davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

XX/XX/2023 the ATM gave an error message and timed out. It took {$100.00}. It proceeded to the next ATM and withdrew funds again. I went to guest services to explain what happened after I logged on and realized the funds went through. I've been on the phone with three different representatives and they never issues provisional funds. I also emailed 5 times and they said I had to wait until the investigation was conducted. They denied my case with little to no explanation. I asked to escalate the issue and they had closed the case. They have not sent me proof of denial or how they concluded the following. 

Date Submitted : XX/XX/2023 Disputed Amount : {$100.00} Dispute ID : XXXX Date Amount Transaction Description XX/XX/2023 {$100.00} XXXX, XXXX, FL XXXX, {$6.00} Surcharge We have completed our research regarding your dispute and have determined that no error occurred. 
Please be aware that you have the right to request copies of the documents that we relied on to make our determination. 
We apologize for any inconvenience that this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for banking with Credit Karma.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (NC)

I got a letter from EQUIFAX dated, XX/XX/2021, stating At this time, is not blocking information you named in your request. So, I sent EQUIFAX a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 4th time, an affidavit of truth, two forms of ID, and a bank statement. EQUIFAX received all of this on XX/XX/2021, at XXXX XXXX Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I received an email from EQUIFAX regarding results from a dispute ( XXXX ). The dispute stated the item would remain because it has been verified which is inaccurate because all of the accounts Ive listed are part of identity theft. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC. (FL)

Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

I am writing to formally request the validation of the debt associated with my account. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which requires debt collectors to provide verification of the debt they are attempting to collect. I have recently received communication from your organization regarding the above-mentioned debt. However, I am not currently in possession of sufficient information to fully understand the details of this debt, including its origin, the amount owed, and the relevant account history.
Consumer complaint received 2019-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the lending specialist ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX I called to cancel my stolen card. Because I changed my PIN number, they told me my funds were being withheld from me until my new card came in the mail. I asked if I could transfer or if I had any options. I was told no.

On XX/XX/XXXX I called in again. This time the rep said all that was needed was for them to call me on my phone to verify it was me. He then said I could transfer my funds. He specifically instructed me to not use transfer funds, but use bill pay. I then did as instructed and entered in my XXXX card number. 
On XX/XX/XXXX I received my new card as well as a check in the mail. Confused about the check, I called them again. They said because I used bill pay I got a check. I asked them about getting my funds back into my account. He said yes funds will be available thursday. I said ok nvm then I do not want to proceed with that then. He said he sent in the dispute. I said no I need my money cancel it. He said you can it tomorrow without issues, just call us when you cash it. 
On XX/XX/XXXX I go to cash my check, it declined. I called again, now I'm bein told that I can not cash a check in my name that I sent myeelf. I must also want 10 more days for my funds. 
I have bills and I have children they gave me false information causing my funds to be held from me. I can not buy gas to go to go to work, food to eat, nothing.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, XXXX. I have one Hard Inquiry was made by Company on XXXX XXXX,XXXX.Ally Financial : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called Ally Financial XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, XXXX.
Consumer complaint received 2024-01-30
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. (TX)

I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (NY)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which JPMCB is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response that automated and they are not addressing the issue. All the information they may need is in the letter that I sent to them. I will the documents that could help you investigate my claim. 

JPMCB is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (CT)

I am the seller of a property in the State of Connecticut. I had a real estate agent represent me - seller and received an offer from a Buyer agent ( real estate agent representing the buyer ). Included with the offer was a pre-approval letter for the buyer a single person by the lending institution NATIONS LENDING who is present in the state of CT having a branch at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX O # XXXX the representative of the lending institution is XXXX XXXX. We received the offer with the pre-approval letter for the borrower : Ms. XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX my Real Estate agent received an email that originated with XXXX from Nations Lending explaining there is a 'hiccup ' that XXXX XXXX is not the only person that will be on the loan and deed documents but they need to add her mother as well XXXX XXXX . There was no explanation as to why she needed to be added nor the fact they gave a pre-approval only to XXXX XXXX. Further, the mother XXXX XXXX had an 'adverse action ' on her credit that needed to be cleared and the buyers as well as the lending institution NATIONS LENDERS requested a 30 day extension. XXXX who confirmed in an email stated - if Nations Lending can not close the seller will receive {$7500.00} that is the policy of the company. He further told us this fact is on there website. Based on this enticement I the seller approved the 30 day extension to be XX/XX/XXXX with a closing date of XX/XX/XXXX. We were assured from XXXX XXXX that the deal would go through and they are working to get things done. However, on XX/XX/XXXX we received notice from the buyers that they would not be able to obtain the loan and they would like there deposit monies returned. Further we received the denial letter from Nations Lending. However, when you review the denial letter please note they denied XXXX XXXX on XX/XX/XXXX, however we received an offer with a pre-approval for XXXX XXXX from Nations Lending on XX/XX/XXXX. How can you deny someone in XXXX and then approve in XXXX then ask the seller for a 30 day extension for adding the mother to the loan of which the mother had a credit issue that needed to be cleared and then entice the seller ( me ) of a guarantee of {$7500.00} if the deal does not close. My Real Estate agent and myself have tried to collect the {$7500.00} and no one not XXXX XXXX or his supervisor XXXX XXXX will speak with us.
Consumer complaint received 2022-12-14
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF XXXX XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

I have not been a customer of XXXX XXXX XXXX since XXXX and this debt posted on my credit report in XXXX. I have no knowledge of this debt, have not received any communications from XXXX XXXX XXXX nor the collection agency, and, to my knowledge, closed my account with XXXX XXXX XXXX without any outstanding bills. If this is an accurate debt owed, I am not even aware of how to pay the debt as no communications have been sent to me.
Consumer complaint received 2019-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I was rendered XXXX after I graduated college in 2010. I was struggling to pay my loans due to not being able to work and over XXXX of medical bills. I reached out to Navient explained my XXXX ( diagnosed by a Dr. and a XXXX ) and my inability to work due to this XXXX for the foreseeable future. I asked for options and was told forbearance was my only option. This misinformation has led to huge interest accumulation, has dropped my credit significantly and is now in default. Im scared to even deal with them again because I am not savvy enough to know if I'm getting the right information that will help me or worsen my situation. Please, any information that could help me would be greatly appreciated.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TN)

Chase Sapphire issued a card that I did not apply for and then there was a {$95.00} charge on the card. I have called Chase Sapphire and they have started a fraud report. I have also reported this to XXXX.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

The complaint is being filed against Citibank for 2 credit card accounts : Citi XXXX XXXX & Citi XXXX XXXX. 

I received emails for each account on XX/XX/21 indicating that my credit limit was being lowered for each account based on reviewing my most recent FICO report from XXXX. In both instances the limit was lowered to the available balance of about 1 minimum payment, effectively maxing out both cards where there was otherwise reasonable credit limit available. 

Citi XXXX : Original Limit {$22000.00} reduced to {$17000.00} ; I went from having {$5100.00} available credit to having {$370.00} available with minimum payment due of {$300.00}. 

Citi XXXX XXXX : Original Limit {$3800.00} reduced to {$2000.00} ; I went from having {$1700.00} available credit to having {$58.00} available with minimum payment due of {$56.00}. 

I contacted customer service ( finally reaching a live person after about 6 menus of options but that is another issue ) to ask if there was something wrong with my payment history as to why they would reduce my credit lines. I was told it had nothing to do with my payment history and she basically read the reason stated in the email letter they sent. I was told I had to contact XXXX to see if there was an error and this is just their policy and basically there was nothing she would do. I advised her that I would be filing a complaint. 

My balances are higher than normal and I'm pretty sure everyone 's balances are higher given the effects of the pandemic. I have paid on time and all bills are being paid regardless of higher than normal balances on my credit cards. My FICO has fallen given these higher balances but is still in good standing. I have been close to maximum limits in the past with this company and instead of lowering my limit they have automatically increased the limit. Lowering the credit limit on each account to the point where it is now at the maximum limit, seems unfair and abusive to the common customer. I work for a XXXX  and our mission is to assist the customer through this financially difficult time given the pandemic. This action of lowering the limit to max out the credit limit is unfair and abusive to any customer. I am certain that I am not the only customer that this has happened to and that is why I am filing this complaint. 

My account is in good standing, paid on time every month. The resolution I seek is to have my original limits reinstated and not be subjected to arbitrary limit changes going forward. If I were not paying my bill, then I could see not wanting to allow me more credit, but that is not the case and my payment history with this company will show that.
Consumer complaint received 2019-05-14
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. (KY)

XXXX XXXX inncorrect payment XXXX payment on record XXXX Also XXXX XXXX should be dropped XXXX XXXX. 

XXXX XXXX should be still there XXXX. Paid. 

XXXXXXXX XXXX XXXX paid as agreed XXXX These should be on record.