davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX BANK, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX BANK XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report buXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (AL)

I have been attempting to pay off a credit card that I have with BBVA USA. I use an external checking card with XXXX XXXX XXXX  and have made payments for the last year. I made a payment on XX/XX/2020 for XXXX XXXX which BBVA showed as accepted. On XX/XX/XXXX, BBVA reversed this transaction and the proceeded to place a block on the credit card. I was told by BBVA credit card services that only card services can remove this block, however when transferred to card services I was unable to recieve anyone by phone on XX/XX/XXXX after being on hold for over an hour and transferred by numerous departments.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For XXXX years I 've been transferring funds from my credit union account to my checking account at Bank of America. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the " risk department '' at BofA, a supervisor giving her name as " XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union.
Consumer complaint received 2016-06-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX  no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate. 
Please provide information on the steps taken to prove the information is 100 % accurate.
Consumer complaint received 2018-03-16
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. (TN)

I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative named XXXX. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX  XXXX  ( accnt # : XXXX ) 2. XXXX XXXX XXXX ( accnt # : XXXX ) 3. XXXX XXXX XXXX ( accnt # : XXXX XXXX 4. XXXX  XXXX XXXX ( accnt # : XXXX ) XXXX. XXXX XXXX ( accnt # : XXXX )
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (WI)

I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Owed : {$70000.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a chase marriott rewards card the was supposed to come with a XXXX bonus points after spending {$3000.00} in 3 months. Chase sent the card to me and let me spend {$3200.00} dollars then 6-8 weeks after sending me the card I was told I did not qualify for the bonus. I should have been told when I got the card that I would not be getting the bonus or denied the card in the first place. I was mislead and this needs to stop.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (NJ)

Re : Maury Cobb Attorney At Law LLC Maury Cobb represents XXXX. They are trying to collect an amount that is not owed and they have not substantiated the charge. 
This firm continues to call and try to collect the amount without describing what the charge is for. They call using multiple numbers. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
When the representative calls, they demand personal information before they say who is calling and they do so in an aggressive and demanding tone. They immediately demand payment and refuse to accept that I am vigorously disputing the charge. Today, the representative very rudely demanded payment and threatened to notify all XXXX credit reporting agencies and they may have already done so. Today after I had tried to ask what the charges were for, the representative very abruptly said that he was not negotiating and hung up the phone.
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report
Consumer complaint received 2023-03-22
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. (VA)

Experian claims that XXXX # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The correspondence from XXXX has been attached. In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX has violated my 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

On XX/XX/21 I was approved for a revolving credit limit for XXXX through Citi XXXX XXXX AAdvantage credit card. I used this credit card to purchase XXXX airline tickets to my daughters wedding in XXXX. When I went back in two weeks later to purchase the baggage my card was declined. I purchased XXXX on the card. When I called the credit card they stated to me they decreased my credit limit to XXXX. They made this decision without notifying me in any way. They claimed they sent me and email. They didnt nor did I receive a letter in the mail and I never signed up for any kind of paperless notification. All my credit is on time and in good standing. The only change in my credit was their decrease of my credit limit and a Parent Plus loan I obtained for my daughters college education. I also can not gain access to my account to set up Autopay. I think this treatment is unfair especially with doing no wrong to my standing credit with this company. I had no history of late payment or over the limit for them to decrease my credit limit.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.
Consumer complaint received 2021-10-09
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: MedRecovery Solutions, LLC (GA)

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and MedRecovery. Med Recovery provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! Med Recovery hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue Med Recovery, XXXX XXXX, AND XXXX!
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (CA)

Today, on XXXX XXXX, 2016, I shopped at the Target store located on XXXX in XXXX, California. While waiting in line to make my purchases, I heard the cashier ask the young man in front of me whether he wanted to apply for a Target Red Card ( credit card ). The young man said he was XXXX years old. He was unaccompanied by a parent or guardian. The cashier then asked a co-worker if that was old enough for a Red Card and was told yes. She then began processing his credit card application. I told the cashier that I myself was the parent of a XXXX year old, and that I would be upset if my daughter was getting a credit card without my knowledge. The cashier replied that she was required to obtain a certain number of new credit card applications per month, and that she got in trouble if she missed this quota. I told the cashier that I did n't think it was right to ( 1 ) provide credit cards to minors ; and ( 2 ) for Target to pressure its employees in this way.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently I disputed accounts that were on my credit report that did not belong to me. I was a victim of Equifax data breach that ultimately resulted in me being a victim. I have disputed this information countless times with Equifax and provided information to Equifax that this fraud was not me.