davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (GA)

On XX/XX/XXXX a fraud charge of {$97.00} for XXXX XXXX, on XX/XX/XXXX Chase gave me a credit for it. 
On XX/XX/XXXX XXXX sent a credit, On XX/XX/XXXX Chase recharged me the {$97.00}. This should make us even. Actually the supervisor agreed we XXXX out. Now they say I still owe the {$97.00} and it must be from a previous charge. Funny the exact amount from another charge. No. I have been paying them in full for months now except for the {$97.00}. I spoke with a supervisor last month that assured me it would no longer show. It was a fraud charge to begin with. I owe them {$86.00} which I will pay in full. They can not show me anywhere that I charged another {$97.00} or any balance for that amount. How can you agree two fraud charges minus two credits equal XXXX balance but still charge me?
Consumer complaint received 2019-03-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

I have called Navient and formally Sallie Mae many times to get some of my interest rates lowered. I have XXXX private student loan that is 12 % interest! It's so demanding that I will never pay it off.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Experience credit bureau Reporting number XXXX XXXX According to US 15 1681 & According to US 15 1681 Section 6048 Experience has violated my rights by reporting on authorized information to creditors. Also, it describes that I have the right to privacy. They have validated my right by providing information without my consent, right I have this information removed.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Would like to exercise my rights to have all information deleted from my account and remove. 
Wrote them letters for several months with no response. My name is Its XXXX XXXX thank you
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fait credit reporting act XXXX  account number XXXX 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
Consumer complaint received 2019-11-10
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. (MD)

I filed a dispute with TransUnion on XX/XX/XXXX regarding incorrect reporting by XXXX XXXX XXXX for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on XXXX XX/XX/XXXX, TransUnion stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from XXXX XXXX XXXX and XXXX XXXX should have notified them that they received payment.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc. (LA)

Why didnt the hospital send me a bill on this amount of XXXX I never received and bill or a past due notice about a XXXX bill if I had it would have been paid but due to their negligence I never received a bill nothing at all about this so they send it to collections totally wrong on their part ruining my credit for again their negligence
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX, after receiving a promotional offer from Huntington bank for new business accounts, I and my husband appeared in person at the local branch to see if we qualified for the offer, having received personal promotions from Huntington in the past. We met with XXXX XXXX the branch manager ( XXXX ) who assured us that since this was a business account, our previous promotion awards did not disqualify us from the offer. My business was in the name of XXXX XXXX XXXX. XXXX helped us fill out the application and gave us our promotion code ( XXXX ), The offer was to deposit {$20000.00} and keep it in our account for at least 60 days and keep the account open for 90 days. We deposited the funds on XX/XX/24. After the 60 days elapsed, we tried to contact XXXX to see if we had completed the initial requirements for the bonus. We appeared in person again at the branch. XXXX informed us we didnt qualify for the bonus because we had received personal promotion bonuses in the pastand Huntington decided we didnt deserve the bonus. We protested to her that our first question to her when we opened the account was that we had told her about previous bonuses we were awarded. XXXX didnt deny this but said the decision wasnt hers and she couldnt help us. She referred us to a district manager to appeal but after 4 unreturned calls, we gave up trying to reach him ( XXXX XXXX XXXX ).
Consumer complaint received 2022-08-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (CA)

I was trying to fix my credit with XXXX XXXX XXXX  and a couple accounts was supposed to be paid off for them after 4 years paying till I find out there was a miscommunication with the company because they wasnt making the payments on all my accounts, a few days ago a third party company its been harassing me over the phone and calling family members asking for me company that I wasnt notified about I try to speak with one representative but she was been rude and un respectful to me where she said that they cant sue me for that amount, that she was mentioning but also that account was supposed to be be pay off since XXXX. What it got me confuse because I didnt have any knowledge about I try to my credit report company to make a disput but the third party its refused to remove the collection that its been Pay out since XXXX
Consumer complaint received 2022-05-02
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. (SC)

In accordance with the fait credit reporting act XXXX  account number 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 XXXXal
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

I received a notice yesterday ( XX/XX/XXXX ) that my escrow account was underfunded for XXXX and my escrow payment would be increasing in XXXX by {$700.00} a month ( {$8400.00} ) a year. This would be a roughly 60 % increase in my monthly payment. 

I called Investors Bank and they said it was because my account underwent a review in XXXX and my escrow was deficient and there were also increases in the estimated escrow for XXXX that needed to be spread over 12 months. 

I think this is terribly unfair for a bank to give a customer two weeks notice that their monthly escrow is increasing by {$700.00} per month for the next 12 months. There should be protocols in place to identify this shortage or under-funding well in advance of the new calendar year. 

How are families supposed to budget for this type of increase, especially right before the holidays?
Consumer complaint received 2021-12-01
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 (FL)

XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company required a deposit of 50 % of total charges which was non-refundable unless the agreement was cancelled within 3 days of signing. Total amount of {$1200.00} was deducted from my checking account via bank transfer. The company then increased the total charge twice, once prior to pickup and again at the time of pickup. Total charges went from {$2300.00} to {$3500.00} prior to pick up. When the movers arrived to load the items, they raised the price again to {$4100.00}. At this point I had only two options - pay the new outrageous price or cancel the service and lose my deposit. I chose to cancel the service. 

I have since entered a new contract with another moving company which quoted me a price of {$2000.00} to be paid on delivery for the exact same inventory as the one contracted with XXXX XXXX. My items were loaded on XX/XX/2021 and delivered on XX/XX/2021. 

My complaint centers on the fact that they could arbitrarily increase the price, which they did without even examining the items to be moved, giving me no choice but to cancel the service and lose my deposit of {$1200.00}. It was a win-win situation for them and a no win situation for me. They kept upping the price until I had no choice but to cancel. 

I reported them to the XXXX  which shows they have a history of repeating this scenario many, many times. 

I can provide copies of the agreements if requested.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bureau name XXXX XXXX XXXX XXXX I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score.

I had 2 miscarriages within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls.

I really need your help and I appreciate your up.

Best regards, USA
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (AL)

On XXXX XXXX I reached out to equifax about unknown inquiries on my credit report I advised them that the inquiries all happened while having the XXXX year extended fraud alert on my profile they stated that can't remove them I reference them to FCRA that they should be removed because they did not have my permissible use. I have attached a copy of the inquiries that I disputed and were not removed ;
Consumer complaint received 2019-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MD)

Event occurred today, XX/XX/2019 at about XXXX. My wife and I were sitting in our home with representative of flooring company ( XXXX ) completing credit application. I received an email from Well Fargo Bank of a Credit Card Agreement. The agreement did not include my name but noted it was a Terms of Agreement. I had not signed any agreement nor applied for credit card from Wells Fargo. A few moments later I received a call from a WF agent stating I needed to provide personal information ( DOB, last four of SSN ). I refused to provide information and was told I would need to call WF later if I wanted  to proceed. 
The XXXX representative, along with my wife, listened to the exchange ( via speaker phone ) and looked surprised and stated, I dont know why they are calling you - we havent completed application. When I refused to provide requested information the WF agent quickly hung up.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (GA)

Every time I encountered some type of time with hardship. I would never get approved for a payment plan. Because of this, the company would stack on more and more late fees while knowing I was going through a hardship. The company was not fair and understanding of my situation to help. My main concern was always tp try and pay and not to have negative reporting.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2022-05-02
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: JPMORGAN CHASE & CO. (CA)

My personal information was stolen from my car in 2020. I filed a police report. This is how they were able to steal my identity. They opened an credit account with Chase bank. ( I have never been affiliated with any bank other than XXXX  XXXX XXXX ) They took out almost XXXX dollars under my name. The reason it took my until now to file the report is because the perpetrator used another phone number and address for this account. So, Chase bank was never able to contact me. I have all the police reports and transactions made for that account in a PDF. I am unable to attach the transaction in this claim because the file is to large. But I do have that information.
Consumer complaint received 2020-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My wife and I purchased an item via my Capital One credit card from XXXX on XXXX for {$1200.00}. The item, a XXXX XXXX, was broken when I got it. I sent it back two separate times to the XXXX and it was returned to me two times, which took months. I sent it back a third time, which Ipersonally paid {$400.00} out-of-pocket to do via XXXX. The item was finally recived by XXXX on XXXX. XXXX sent me an email stating this on XXXX. I have sent Capital One photos of the broken faucet, proof I paid for it, proof I sent the faucet back ( 3 times ), proof XXXX got the faucet and still Capital One refuses to credit my {$1200.00} plus any interest it has accrued. I have called Capital One a dozen times, spent countles hours explainingthe situation to various Customer Service people, numerous Managers, etc. the past year to get this resolved -- butthey refuse to do so. My last call was with a person named " XXXX '' on XXXX and he actually hung upon me. Capital One are either thieves or incompetent as this is beyond ridiculous. My wife and I have 4 credit cards with Capital One, spend thousands per year and our credit scores are well over 800. Please help!!
Consumer complaint received 2020-12-12
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)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-12
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. (GA)

There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.
Consumer complaint received 2018-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NV)

MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX   XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (CO)

I woke up today ( XX/XX/XXXX ) and noticed I had been double charged and triple charged on ( XX/XX/XXXX ) for a previous purchase this month from " Coinbase '' the digital currency exchange. XXXX, XXXX, XXXX, XXXX - Totaling XXXX I've e-mailed Coinbase 3 times and gotten generic responses and couldn't get anyone on the phone. My bank acct is in the negative now and I'm fearful I will incur some overdraft fees because of this. 

Thank you