davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
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: DISCOVER BANK (FL)

I previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-08-11
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. (MS)

I was the victim of a crime. Fraudulent charges were made on my card for around {$4000.00} XXXX XXXX and his sister XXXX XXXX threatened to kidnap my children, forced me to give them my information, and forced me to make these purchases for them.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA. 
Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product. 
Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval. 
The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria. 
I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's. 
When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.
Consumer complaint received 2018-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MA)

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-19
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX both for travel overseas and military training. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. We have sent another letter to the CEO showing evidence of our travels and military duty.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX Synchrony Bank JcPenney card took a double payment from my bank account with auto pay. I have had auto pay set up for over 2 years never had this problem. I called them they said they didnt see it but there system had a glitch in XX/XX/XXXX.  So she gave me a fax number to fax a bank statement so I tried to do that and the number didnt work it was a line to talk to someone. So I called again they gave me another run around. So chase filed a claim and showed them they took 2 payments now Synchrony Bank sends me an email and is charging me double payment and a late fee but they still have one payment that they need to apply.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX I contacted Citi after getting a promotional offer in the mail. The offer was either for 16.25 or 16.99 and up to 24 or 25 percent. I asked the gentlemen on the phone many questions about the card but the first and foremost question was about the rate I would receive on the card. He assured me 16.99 % would be my rate, and I was still surprised because I still don't have any other credit card at that high of a rate. ( I have or had very good credit ) After this conversation he played me a recorded message from which I would listen and agree to the terms. I assure you that no where in that recording was there anything saying that my terms would be over 20 %, much less 23.74 %. 
When I called them and reported that I found my interest rate in the middle of the 3rd page of my bill, that it was 7 percentage points over what I had agreed to, and that I would not activate this card, they told me that they would " investigate '' what had happened. 
My concern is that this card will eventually get cancelled by Citi for non-use, and that for whatever ridiculous reason, that severely impacts my credit score. I know this because just this year I had 2 credit cards I refused to use get cancelled on me, not knowing that ... .Even Though I Was Never Late With a Payment, and I Owed Nothing On Their Cards ... .my score was brutally beaten down over 100 credit rating points. It nearly affected an apartment I was trying to get, and it will affect so much more in my life!!! Even though my credit rating should be very very good, if not near perfection. 
I called Citi 9 days later because I received another email from them to " activate '' my card. I repeated why I would not and that all I want is for Citi to close this account without hurting my credit, or ... .give me the rate I was promised on the phone. 
I asked for them to heighten my case and then spoke with a " supervisor '', and was offered a compromise rate at 20 %. I said no, and that if I didn't hear anything better from their " investigation '', I would have to report their practices to my State 's Attorney General. From them I received the CFPB address. 
To date, I have received nothing from Citi, until yesterday when I received another email, this time that Citi has " auto-enrolled me to receive upcoming payment alerts ''. 
Please help me. Citi is trying to railroad me into a bogus credit card agreement with a " Bait and Switch '' scheme over the phone. 
To my knowledge, " Bait and Switch '' has long been illegal. Please help me and please stop Citi from hurting my credit along with other unwary consumers. 
Thank You for any help you can provide. 
Sincerely, Xxxxx Xxxxxxx
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I purchased a XXXX XXXX side to side unit including half windshield, roof kit and winch for {$10000.00}. I used my credit card for a {$2000.00} down payment as seen on the invoice. However, the merchant XXXX XXXX, XXXX overcharged {$990.00} as they added the total cash price to {$12000.00} in error when it adds up to {$11000.00}. The agreement was to pay {$10000.00} for the unit with accessories listed above plus registration fees and sales taxes ( as listed on the invoice ) as follows : {$10000.00} + XXXX+XXXX+XXXX+XXXX ( sales tax ) equals {$11000.00}. I explained this to Chase representative XXXX at XXXX X XXXX and also supervisor XXXX XXXX. in Texas but they did not want to acknowledge what occurred but rather sided with the merchant who lied and claimed I purchased accessories separately when as the invoice shows the credit card was used as a downpayment and the accessories were included in the purchase price of {$10000.00}. The credit card receipt shows {$2000.00} with no mention of accessories proving that it was used as a downpayment.
Consumer complaint received 2021-08-10
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. (OH)

I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I used annual credit report to get my credit score from Equifax, XXXX and XXXX. Neither of these agencies had a credit score for me. I called Equifax and they informed me they couldn't give me a score unless my address was confirmed. For me to confirm and address, I needed to write that I XXXX XXXX live at said address. I was also to include a copy of my drivers license and social security card. I faxed them this information as requested. 
On XX/XX/XXXX of 2020. I received a letter from Equifax that claimed I disputed some information. I did not. I called Equifax, and spoke to XXXX, she told me this was a letter confirming they got my fax and they had received my statement as to my new address. I asked her about my credit score, she then told me she could send my one in the mail or I could go online. I explained to her that I was told by submitting the previously requested information I should have gotten a credit report. She simply stated I could request another credit report and I would receive it in 14 days. I did, I also asked her to walk me through getting my online score through Equifax 's website, she reluctantly did this. 
The score stated " We are unable temporarily unable to provide your credit score. Please try again later. '' This is the original message I had received upon my first credit inquiry. When I questioned her on this topic, she no longer responded to me at all. She no longer answered my verbal prompts and the phone went silent though she did not hang up. I want my credit score, please help me achieve this goal. Equifax is refusing to give me this. 

Thanks, XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (GA)

The company is trying to collect debt without contacting me, to see if the debt is valid. I found out about the alledged debt on my credit report. The law requires them to contact me in writing and allow me 30 days to dispute or settle the debt and that didn't happen. I do not owe the debt and they wouldn't know because they have not communicated with me and I have not received mail from them, because I have USPS Informed delivery and there is no records showing I got mail from them.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (TN)

In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( XXXX XXXX XXXXXXXX ). I financed the car through Hyundai Motor Finance. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to Hyundai with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of Hyundai Motor Finance. I am trying to see what my other options are on getting this taken are of.
Consumer complaint received 2020-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

When I was in my XXXX, I signed up for the Public Service Loan Forgiveness Program after graduating from my XXXX 's in XXXX XXXX program from a Public University. I was promised " loan forgiveness '' after I make qualifying payments after a set amount of time. However, what I found was that it is extremely difficult to find an employer who qualified for this program. In the state of California, there is a market trend of XXXX XXXX XXXX being privatized, even though they receive public and federal funding to operate. In 2017, I had a hard time finding a job with an employer that qualified for the loan forgiveness program, even though I searched specifically for a non-profit or government agency. Eventually I was offered a job at a for-profit entity and had to choose between being jobless or getting a job with an employer that isn't qualified under the PSLF program. Now I am in my XXXX and feel stuck with a loan that did not account for the market trends of privatized XXXX XXXX XXXX. The interest rates are sky high and I am drowning in debt from this program. I feel completely taken advantage of and failed by my government.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (CA)

Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX Loan care tarnished my credit score my sending an inaccurate account to XXXX stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of Loancare, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (NY)

I recently sent a request to have fraudulent items removed that are reporting only on XXXX XXXX response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/2022. {$100.00} unauthorized charge. I immediately called Ally and the hold times were very long. They finally allowed me to cancel and get a new debit card and file a dispute for the charge. It is now XX/XX/XXXX and I have heard nothing and am still missing my {$100.00}. And it looks like many other Ally customers are being charged as well. Where is the statement that they are aware of the issue and doing something?
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist me.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.