davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (CA)

Chase auto finance is using unfair debt collection practices. 

Six years ago, XXXX XXXX XXXX XXXX dealer sold me my vehicle that was XXXX old and on sale for {$5000.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX not XX/XX/XXXX. I traded my car a XXXX XXXX XXXX so I was only going to finance {$3000.00} i later discovered the Bank is asking for {$10000.00} I called a manager who apologized and promised to fix it. XXXX, mgr, shredded the contract in front of me and ask the finance manager XXXX to redo the paperwork. He never gave it to me and saleman XXXX told me to go home with the car. He said they will figure it out dont worry. I got a lean satisfied letter from the dealer but not the Bank, who is now time barred. They keep trying to repossess my car, and damage my reputation by posting lies on my credit report. I even offered to return the car, and took it back to them, but they refused it at the dealer. California clerk stated that they sold my account to a debt buyer but failed to report this on my credit file. I dont know who to contact. So i hired an attorney to settle my account and he said the Bank wouldnt cooperate. They are refusing to remove the lien, and that I should sue them for unfair debt collection practices
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (TX)

I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and PHH mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and PHH reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor PHH had the right to Report any information pertaining to me to XXXX In XXXX XXXX, XXXX XXXX and PHH previous replies I disputed XXXX in XXXX of 2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and PHH provide the Law which states that as a Lender they had the right to Report a Negative Remark to XXXX  during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and PHH has violated my rights. How and why would XXXX XXXX, XXXX XXXX or PHH sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and PHH explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed XXXX in XXXX or XXXX as they orginally stated.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We are concerned that Citizens Bank has unnecessarily complicated and delayed our refinance with them. In this process, Citizens Banks actions have cost us thousands of dollars and damaged our credit. 

We started our refinance with Citizens Bank in early XXXX of 2020 and submitted all requested documentation to them at the time. After we signed paperwork and paid Citizens for an appraisal, they sold the loan to a XXXX XXXX XXXX  XXXX XXXX, serviced by XXXX XXXX  XXXX. 

The mortgage transfer occurred in early XX/XX/2020. During this transfer timeframe, the XXXX mortgage payment, which has been on auto-payment since its inception, experiences what Citizen Bank states as a coding error, and we were not notified. As customers of the new loan servicer, we immediately enrolled in their auto-payment making payments on the XXXX of the month but not notified of the error in XXXX, resulting in a negative mark to our credit history. 

Citizens Bank has failed to speak directly with XXXX  about this error or offer a reasonable and efficient way of resolving it. They identified the only way to get records for credit restoration is by sending a request by mail or faxing it to them. We have sent a letter ( via certified mail ) XXXX and are still waiting for any sort of response documentation that may resolve the penalty to our credit rating. 

In addition to this error, Citizens Bank mishandled our refinance at seemingly every opportunity : Unwilling or unable to obtain building certificate of insurance ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Unwilling or unable to obtain building financials ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Scheduled ( and subsequently cancelled ) XX/XX/2020 refinance closing due to an error in not initiating XXXX  documentation process. This delay is still ongoing as of XXXX XXXX. 


On the day of the expected closing, the title agent notified us that Citizens had failed to start the XXXX process and to expect the process to take another 8-12 weeks. Despite regular follow up, they have not been able to provide any updates on the process or on the anticipated timeline. 

The errors Citizens Bank made by selling our loan during our refinance, making an payment error during the sale, not starting the XXXX  process ( which would not have been necessary had they not sold the loan ) have caused significant damage to our credit scores, prevented us from savings thousands of dollars in interest ( current 4.25 % interest versus 2.87 % ) and cost us emotional stress and tens of hours in follow-up with little to no progress.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted Experian on XX/XX/XXXX to verify the XXXX XXXX Nebraska account listed on my account. I was sent a ledger by XXXX XXXX Nebraska to show the certified amounts. These amounts did not match was Experian was showing. I sent another request on XX/XX/XXXX to again verify the account as accurate. Experian responded on XX/XX/XXXX that the account was updated and verified as accurate. Knowing the account was not verified, I sent a third request to have the account verified on XX/XX/XXXX. I also asked for a description of the procedure used by Experian to verify all of the information. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inaccuracies between Experian and XXXX. I did not get a response. Frustrated, I did not follow up. I checked my account again XX/XX/XXXX and noticed that Experian was still reporting inaccurate amounts. I sent another dispute on XX/XX/XXXX to both Experian and XXXX XXXX Nebraska. I got a call from XXXX at XXXX XXXX Nebraska who was very helpful. He stated he does not know why the amounts that are showing on Experian are different than what XXXX XXXX is reporting. XXXX stated that XXXX XXXX reports to the credit bureaus on the last Saturday of the month. He sent me a certified ledger of the amounts. I double checked those amounts against Experian and they still do not match. XXXX stated there is nothing XXXX XXXX can do about the inaccurate amounts reflecting on Experian reporting. I also checked the monthly amount and Experian does not have any data on that. Experian finished their dispute today XX/XX/XXXX and stated the account was verified as accurate and updated. Experian is STILL reporting incorrect amounts even after they were notified of the correct amounts.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AL)

In XXXX XXXX XXXX I was working for XXXX XXXX and the company folded without paying me and We'll Fargo let all my stuff bounce even though they knew my company folded at the last minute without paying me. Messed my whole account up. They closed me out
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, XXXX, XXXX XXXX, Experian. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, Equifax, XXXX XXXX, XXXX. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

It appears that there has been a fraudulent charge to my acct. in the amount of {$180.00}. 
also, a payment in the amount of {$28.00} of XX/XX/2020, was not received by this payee from my bank., even though I have proof of an electronic payment being made. 
In addition, I was assed interest charges and a late fee of XXXX because they never received the payment I sent.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TN)

I flew to XXXX XXXX on XXXX XXXX on Friday XX/XX/XXXX and flew back to XXXX on Monday XX/XX/XXXX. On the way back the flight attendant made a pitch, like they normally do on a XXXX flight, for passengers to sign up for the Barclays XXXX XXXX credit card. She said that if we filled out the application that she was giving out on the plane instead of going online and filling it out we would receive 50,000 bonus miles as long as we made {$500.00} worth of purchases in the first 90 days of having the card and paid the annual fee. 

So I filled out the application, got approved, and got my card in the mail a few weeks later. I charged over {$500.00} my first month and my second month and about {$300.00} my 3rd month and paid the balances off in full every month so I qualified for the bonus miles after the first month. 

My bonus miles never appeared on my statement or online. I have another Barclays card so they both showed up on the barclays site but my miles did not show up on the Barclays site i go to pay my bills or the XXXX site where they should be and where i go to book travel via XXXX. 

I made several calls to XXXX to ask why my miles did not show up. On XX/XX/XXXX the Customer Service Rep explained to me that my miles were there but were just attached to my other Barclays card. Sounded reasonable so i thanked him but when i went to the Barclays site the next day they were not there. It was just the points I had accrued using that card. 

So I called again to XXXX XXXX customer service on XX/XX/XXXX and finally the rep acknowledged that the miles were not there and transferred me to someone in another department and said that my 40,000 bonus miles would be taken care of plus the miles from the purchases i had made on that card since i got it. 

So after talking to the CSR who was supposed to help me she said she took care of it and now they should show up. I thanked her but told her that I should have gotten 50,000 miles per the offer the flight attendant gave on the XXXX flight from XXXX when I applied for the card. She said sorry there is nothing she can do about that, the offer is only good for 40,000 whether applied for online or on the plane. 

So .... after trying to get my miles to even post for over 3 months they are finally there minus the 10,000 miles we were all promised on the plane. For what it is worth I am not the only person who filled out an application that day and i can give the XXXX ref # for that flight in case someone who filled out the application can be reached out to and asked what the verbal offer was. 

Feel duped into applying for the card and had to work WAY too hard for my miles to even post. After using these miles i will be cancelling this card. 

Thank you for hearing me out and feel free to reach out to me : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

Hello, in relation to Brinks debit Mastercard 1 ) company never send me an statement 2 ) company over charged and took more than what they were saying before 3 ) company did not report my creditworthiness to : XXXX XXXX, XXXX and other credit agency now : I want that the monthly statement send it to me, all amount which over charged to be refunded to me and the report of good standing send to 3 credit agencies thanks regards
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXXXXXX XXXX  Acct # XXXX, has violated rights. 

15 U.S.C 1681 Section 602 A States I have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In a multi state class action lawsuit to which I am included in a settlement agreement litigation XXXX XXXX has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (WA)

The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on my credit report
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 someone used my credit card number for a purchase of {$2400.00}. I received an alert from Chase asking if this transaction was mine. I replied with no. They immediately closed my card and sent me out a new one. Well weeks go by and I see that that amount still reflects on my balance. I called them and they said they closed the dispute because they found the charge valid. I asked them what evidence do you have that makes it valid. They said that the card was inserted and they called XXXX XXXX and XXXX XXXX made a general statement that any time they receive a credit card payment they check ID. At the time I had possession of the card so I knew this was not true and that I havent been to a XXXX XXXX in over a year. So I asked them to open the claim back up and further there research. In the meantime I did mine : I called XXXX XXXX and stayed on the phone with them for hours researching transaction done using my credit card and transaction amount but they werent able to find anything with my card number or that amount. So I asked them how do you code your transactions because the transaction code for mine was labeled as XXXX XXXX XXXX XXXX. The representative told me it would not have the XXXX in the transaction code. He also, told me its possible that its a scam. So from there I went online and researched that transaction code and there is tons of threads about this being a scam out of XXXX, XXXX and California. I also went on my bank statements from a year out to see how the transaction from XXXX XXXX is labeled and it doesnt have the XXXX. I provided all this evidence to chase and they closed my case again. So now I am stuck paying {$2400.00} for something I never authorized and declined as soon as my alert popped up on my phone. I dont see a point in the chase fraud alerts if nothing gets done about it. I am really disappointed with Chase and will never bank with them again.