davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

In 2019 I was let go from my job while on maternity leave so there for bills got tight. I got in a program with chase which prevents my account from becoming delinquent. After advising of hardship I was put on payment plan and was told that my account would report past due. But after reviewing my credit report I discovered it was indeed reporting delinquent on my credit report for several months. 

I reached out to chase spoke to the credit reporting department and they acknowledged the issue that the representative set the payment plan due for a date after 30 days which it resulted in my account being reporting late every month which I was unaware of. 

This is an error by chase and not mines and should not was the consequences. These late payment hurts my credit score and chances of buying a home. I have showed exceptional payment through out my time with chase.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}
Consumer complaint received 2021-06-04
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. (TX)

XXXX, Experian, and XXXX is wrongly reporting my XXXX XXXX Spark card balance. I do not carry a balance on this card.
Consumer complaint received 2020-12-10
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.
Consumer complaint received 2020-12-10
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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to XXXX to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-06-04
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. (AL)

Ever since XX/XX/21 I have been trying to remove some reports that have been intrusive to my privacy concerning the XXXX  Case Number : XXXX, and Case Number : XXXX. I sent a dispute out to XXXX Equifax, and XXXX several times and filled a complaint to get these inaccurate items off my credit report that is a violation to the LAW. I am sad, and my family is being affected due to denial of credit, not being able to get a mortgage or even move into an apartment during this unprecedented time were in. It's stressful and scary all at the same time, and I don't know much else to do. The reinvestigation that has taken place has not been fair or accurate to my liking. So I have been doing some research. According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated time and time again. XXXX, Equifax, and XXXX refuse to remove these negative items from my credit report and obey the law. I would file for litigation but I have to wait until I get some extra funds. Also, according to 15 U.S.C 1681 ( h ) this has been another violation of invasion of privacy because I never gave the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported, and now I'm being frowned upon when it comes to getting a loan from the bank. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. I have been going back and forth with them since XX/XX/21 and it is now overbearing. It has brought major emotional distress to me and my family.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (FL)

These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a with BANK OF AMERICA customer since XX/XX/XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

A person called up and stated was I purchasing or purchased a computer on XXXX and being sent to Ohio. I stated I dont know anybody in Ohio and no I did not purchase a computer they asked me to go onto my XXXX account and check which I did and then they told me to go onto my online and run a test to make sure and see if it was taken out of my account {$990.00} later I am out I filed a police report and reported it right away to M & t Bank and they say its under investigation I am a new customer there. This is the first time Ive ever done banking online I will never do banking online again. I had not even or ever tried any of the other features on the online banking app at M and T now they have it under investigation and I am not sure if they want to return my money which they should. I am very upset I am out {$990.00}
Consumer complaint received 2021-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (PA)

This charged off account is on my XXXX report.which I have no prior knowledge of.which was opened fraudulently and under the FCRA 15 usc section 1681. Must be removed immediately.if not will be included in litigation.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (NC)

On XX/XX/XXXX I attempted to use the card which is managed by a government 3rd party organization called XXXX XXXX to get an XXXX and the charge was denied. When I contacted the financial institution to find out why the agent " XXXX '' told me that the purchase went above the limit and I'd have to contact the managing organization to raise the limit. 
I asked him could I transfer money from it, he said no. I asked him what can I do with the card and he mentioned they have full control. 
I asked him can I cancel the item. He repeated the question to me " Can you cancel it? '' and I said " did I studder? ". 
There was a long silence and after about 10 seconds I said ''just transfer me to your supervisor ''. At the same time I spoke, he spoke, saying " I've cancelled your card and now I'm transferring you ''. 
He immediately transferred me and the hold music started playing. 

When the supervisor " XXXX '' got on the phone I told her what happened and she said there was nothing she could do. Of course naturally after hearing this lack of empathy from her I lost my temper and I started yelling, and rightfully so. 
I never said to cancel the card, and did I studder means exactly that. 
It meant I didn't say anything else other than what was said and it was a simple question -- -- ->>>>>> " Can I cancel the card? ". 
I was simply finding out what I could do with the card. 
I asked question after question after question. This is not a misunderstanding. He did it out of anger and retaliation. 
Also when I hung up on 'XXXX  ' I called back and escalated it to the next chain in command which was 'XXXX ' and XXXX confirmed it's possible it was cancelled out of anger. 
I requested for a call back to find out what happened after they conducted the investigation for transparency. 
Nobody called. 
I've provided proof from my phone logs that I did call them and that the event did take place over my phone.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group (NC)

I am writing in regards to a company by the name ASCENDIUM who has been harassing me about monies they say I owe to them. I have never agree to a contract with them. They have stated that I owe them XXXX, XXXX. I have sinced asked them to send me a copy of the contract with their letter head that I signed an agreement with them. Of course they sent me a something with XXXX LETTER head. XXXX stated that the amount owed to them is XXXX. But ASCENDIUM stated the amount owed is XXXX more than navient has stated owed. Again I have never agreed with or signed a contract with ascendium. I don't understand how they can fudge XXXX extra. 
Thank you XXXX XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FRANK & ISRAEL LTD. (NY)

I pulled my credit report in XX/XX/2021. I saw a collection that I had no idea was on my report. I sent a validation request to the collection agency ( certified mail ) on XX/XX/2021 ( attached letter ). I submitted a follow up letter request. 

I have received no response, and this needs to be removed immediately.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (IN)

I recently completed a loan rehabilitation of my Parent Plus loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX XXXX  XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX XXXX  XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX XXXX  XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I paid the full balance shown on my XXXX statement ; however, unbeknownst to me, was charged a {$2.00} Minimum Interest Charge Fee. I was subsequently charged a {$21.00} late fee for not paying the minimum interest charge, which again, I wasnt aware of. 

I called Comerica customer service on XX/XX/2020 to explain the situation and request a refund. The representative refused to refund either of the fees, and then asked me if Id like to close the credit card account. 

I ended up having to pay a {$21.00} fee for not paying a {$2.00} fee ( that again, I wasnt aware of ) and closed my account. 

This is a predatory practice that has likely affected hundredsif not thousandsof consumers who deserve refunds, particularly in light of the global epidemic and economic downturn.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

I defaulted on the credit card in 2018 and they closed my account and wrote it off. They sold the debt to a collection company. Not knowing any better, I paid the collector. They still claim that I owe them money. They continue re-opening and closing my account every other month, and adding remarks to my account. Ive tried clearing this up with them and they claim that they never received the money from the collections company. They will not address why they keep re-opening and closing my account.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (FL)

My lease contract ended on XXXX XXXX. After speaking to the lease return department, I was advised that I could extend my lease for up to 6 months in 2 month increments. I was told that if I do not return the car the car would go on automatic extension and I didn't need to do anything. Sometime in XXXX, I was contacted by GM Financial asking whether I returned the vehicle. I was advised that extensions needed to be approved and that I needed a reason for extending. I explained that due to the pandemic, I am out of work and would not qualify for a new lease leaving me with NO form of transportation. I asked for more time to get employed so that I could secure a new car. I was approved until XXXX and requested another two months. They advised that now I needed to sign documentation. The documentation was emailed to me. I explained multiple times that I do not have access to a printer and would like to have the documentation mailed out instead. On XX/XX/XXXX they finally decided to mail the document to me. Upon receipt I would sign and email them a copy. At that point I could request another extension, and per the representative, my reasoning was valid and she didn't see any reason why I would be denied. Today, XX/XX/XXXX I receive a call saying that I need to return the vehicle and that my request for a new extension would be denied. Every conversation with GM Financial has been such a headache. Different representatives tell me different and inconsistent information. They do not read the notes on file, and continue to berate me for simply requesting an extension, which is allowed and stipulated in my contract. Many families have been affected during this pandemic and I really can not understand GM Financial 's inconsiderate, unrealistic, and unlawful treatment of it's customers. My husband uses the vehicle to get to work. He is the only individual working in our household. The representative was rude and showed no compassion, and even said that because I am not working that is even more reason to return the vehicle, to alleviate financial stress. That is not their concern. It's the only way for my husband to continue working and pay the bills. The vehicle is paid every month and her response was distasteful and disrespectful. I don't understand what changed since my last conversation with GM Financial. I haven't even received the documentation in the mail yet. Supposedly I am not able to request an extension without sending over the signed documentation. And yet they're able to deny my request? I don't understand. They won't put in my request for extension until they receive the documentation but they already know they will deny it. That is illegal.