davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

Years ago, I had phone service with XXXX. While living in XXXX, my account was charged for bills incurred by someone in XXXX according to conversations I had with customer service. The issue was never rectified. XXXX reported that I owed {$440.00} ; which I dispute because I do not owe them. They reported it to the credit reporting agencies. I had disputed there, and they did not to change it citing that the account was in my name. It sat for years in my credit report, and I could not get it removed. My score just went down 11 points because XXXX just reported the account as a new account again as they have done in the past. This is deceptive. Please see attached. I got the alert from Experian yesterday. Had I not have this credit monitoring account with Experian, I would not even be aware. Please help me.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank put a check on hold because I " have a short account history and few deposits '' which is absolute XXXX because I was actually a Chase banking customer for many years when I lived in XXXX -- and, frankly, people move and I have never experienced a bank holding checks for ANY reason, anyway ... 

NO ONE EVEN NOTIFIED ME THAT THE CHECK WAS PUT ON HOLD so this could have resulted in overdraft fees that I 'll take a wild guess Chase would have refused to refund. Chase took a course of action that I 'm calling out as an attempt to fraudulently gain more fees from me. 

When I called the bank, the representative would not clearly explain WHO put the freaking hold on the check and her supervisor 's best excuse was that the system 's algorithm told them to do it ( in far less intelligent wording ). Well, I have a XXXX and used to work in XXXX, so that 's a XXXX answer if I 've ever heard one. There are REASONS an algorithm is programmed to take certain actions. 

I have never had such issues with a bank, and this is completely unacceptable. 

I should not need to go to the trouble of finding a new bank and transferring everything over just because Chase is XXXX with me. I 'M XXXX, BUT FRANKLY WHEN THERE IS NO ACTUAL REASON FOR BEING DISCRIMINATED AGAINST IN THE FINANCE INDUSTRY, THAT 'S *ALWAYS* WHAT IS ACTUALLY HAPPENING. THIS XXXX WILL TAKE HER BUSINESS WHERE SHE IS WELCOME ... ( AND ENCOURAGE HER MOTHER TO MOVE OVER {$200000.00} IN CHASE STOCK ELSEWHERE IMMEDIATELY )
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

A company named XXXX XXXX XXXX who is located in XXXX charged my acct for a total of $ XXXX from XXXX XXXX XX/XX/XXXX in increments of XXXX XXXX {$300.00}. Showed proof of email that the company is acknowledging that the charges were unauthorized. They still denied the claim after the fact. I dont even think they did enough investigation to make an outcome.
Consumer complaint received 2022-10-02
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. (NC)

As you can see Transunion said they validated this information by the attached old complaint, but if you review the information I provided, there are several items that are being reported inaccurately and illegally.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (TX)

My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

There is a bankruptcy entry placed on my credit reports ( XXXX, Experian, XXXX ) and I have been trying for 5 months to have them removed. I have spoken with numerous representatives, supervisors, and managers. I have requested in writing as to how this erroneous public record has been placed on my reports and I have neither received verification/validation nor resolution. This is my 4th challenge of reportability of this bankruptcy in which I am currently awaiting results. I have spoken with representatives from all XXXX credit bureaus and inquired as to how XXXX, Experian, and XXXX verifies/validates their public records. I want to know this information because the public record keeps coming back as being verified under my name. I have had several different representatives inform me that the request/reportability is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I contacted the bankruptcy court in Nevada via U.S. mail and received a hard copy response advising that the court does not disclose, release or verify any information with the credit bureaus or any 3rd parties. 
I decided to submit an additional challenge of reportability of this bankruptcy and received return information stating that bankruptcies are verified by runners who go to the courthouse. I asked what information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureaus. My questions were not answered at that time and have not been answered to date via verbal or written response. I requested to speak with a supervisor/manager. The supervisor advised since this is a " re-investigation '', no runner is involved. He advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the bankruptcy court confirmed via written response that it does not verify any information with the credit bureaus. XXXX, Experian, and XXXX refuses to give me physical documentation ( tangible or electronic ) that they use to verify this alleged bankruptcy as mine. How were these bankruptcies accurately validated when NV Bankruptcy Court confirms that social security numbers are redacted to only the last 4 digits on consumers? Please assist me as a consumer in this matter as I want these alleged bankruptcies removed from all XXXX of my credit reports. My transactions with all XXXX credit bureaus have resulted in my issue not being resolved to date. There is a blatant failure to provide me with the information requested. Experian continues to state that they will not re-investigate my request. At this point, the representatives from all XXXX credit bureaus and their actions carried out pertaining to my consumer file are a violation of my rights and several acts of noncompliance under federal law.
Consumer complaint received 2015-10-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX of XXXX advertise to sale car @ {$69000.00} on their website, and I confirmed about same to XXXX XXXX XXXX XXXX XXXX XXXX ). Dealership DSR website has buy now button page below : XXXXXXXX XXXX XXXX -- XXXX Once you fill up buy now form, it directs to credit application and I filled the same on XXXX XXXX. Their sale rep ( XXXX XXXX ) called me in the evening and told me, he may not have vehicle on the lot or even if it is there, they will charge $ 5k above MSRP. I have verbally denied buying the car above MSRP ( advertise price ) and therefore there was nothing to do on that deal any further. On XXXX of XXXX morning XXXXXXXX XXXX from dealership ran my credit application for no reason. We neither has pricing agreement or nor car finalized as well. I got to know after my credit monitoring tool triggered me messages for hard enquiry from them. I asked dealership on serval calls, why they ran my credit, and they kept kicking my call in between transfers. Finally in the evening XXXX original salesman called me and apologies for un-authorized credit run and offered me car at MSRP plus $ XXXX ( instead of $ 5k ). I still denied working on that deal as well. While I filed application online, as per their buy now flow suggested, however they do false advertisement on price of Car and force customer to buy add on product in the name of market adjustment. They are conducting shady business practices, where they my run credit without pricing agreement or even without finalizing vehicle itself. 

Thanks, and my best regards, XXXX
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NY)

I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MI)

XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. 
Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.
Consumer complaint received 2017-03-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, XXXX
Consumer complaint received 2022-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

On or around XX/XX/XXXX, I contacted FedLoan Servicing asking by what date I am required to complete income recertification to renew my PAYE repayment plan. I specifically used the word " required '' in an attempt to ask by when I am obligated to recertify my income to be able to remain on the PAYE plan without any repercussions. In a reply from XXXX from FedLoan Servicing on XX/XX/XXXX ( nearly a month later ), I was informed that " the best time to recertify is by XX/XX/XXXX. '' I find this to be an unsatisfactory answer because recertifying income is an obligation to remain in good standing on the PAYE IDR plan and the answer to my inquiry about a requirement should be an objective and definitive response. Instead, XXXX replied with what would be " best, '' which implies a degree of subjectivity. I was not seeking a subjective opinion on when to complete XXXX XXXX recertification, but rather fact on by when I am obligated to recertify income in order to remain on the plan. Additionally, as the obligation to recertify income happens on a specific date, I would like clarification on what that date is rather than being given an entire month. I find FedLoan 's response to be lacking clear and complete information. I do not feel like XXXX actually answered my question.
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (ID)

I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student