davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I received a XXXX form dated for XXXX from XXXX XXXX XXXX, XXXX. in regards a XXXX XXXX XXXX account ( credit card ). I have sent numerous letters all three credit bureaus and to XXXX XXXX XXXX asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now, XX/XX/XXXX my credit report still shows a balance owed of {$17000.00} ( this is not correct and is severely damaging my credit reports and credit scores ). I demand action and my credit report be updated immediately. I also want a letter from XXXX XXXX XXXX XXXX XXXX  N.A. stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO. (NY)

I need your assistance to resolve an issue with Chase Bank which I tried to resolve on my own.     I received a letter from Chase on  XXXX  that they were cutting off my line of credit effective immediately. I went to my local Chase branch and spoke with the  Private Client Banker.    Th e Private Client Banker  called the    XXXX   XXXX   XXXX    for clarification, at which time he put the call on speaker phone. We were told that I have to  make 3 payments bef ore they would set the terms. Nearing  the 3rd payment, the   Private Client Banker ca lled th e    XXXX   XXXX   XXXX   again asking for the terms. He was told it was for 5 years but still must determine the rate.     After th e 3rd paym ent cycle was made and I didnt get my rate, I went back to my local bank to inform the  Private Client Banker o f not receiving my rate. Again, th e Private Client Banker ca lled the    XXXX   XXXX   XXXX   in  my presence.     We were told by a representative from t he   XXXX   XXXX   XXXX   tha t I must make another payment, which would be a 4th payment before they would calculate the terms and interest rate, so I made  a 4th  payment.     I received a call on  XXXX  from th e   XXXX   XXXX   XXXX   an d was told they were giving me a 36-month repayment plan, which is what I currently have. When I informed the representative from the    XXXX   XXXX   XXXX   that a 5year pa yback was the deal, she said no that it wasnt.     As a result, I tried to do a loan modification with them and they denied my application. Again, I tried to work with Chase but they are not dealing in good faith.     Why would  Chase have me make a 4th payment only to give me a 36-month pay b ack plan when Ive had that plan for 20 years!     I never missed a payment and paid more than the minimum due. In addition, I asked them numerous times for the promissory note from  XX/XX/XXXX which they cant seem to find to send it to me.  The  XX/XX/XXXX  a lso informed me that during a dispute I didnt have to make payments.     All this is recorded on line and in the presence of their company private banker at my local Chase bank.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

I was contacted by Pro-collect in XX/XX/2019 regarding a {$910.00} debt for XXXX XXXX in Texas. I am a victim of identity theft. I have filed a police report and I have provided a copy of my police report, identification, my mortgage statement, and my power bill. I forwarded this information to Pro-collect to prove that this debt does not belong to me. I have requested copy of the identification that was provided to XXXX XXXX and a copy of the lease and/or application to compare my signature. This information has not been provided to me. There is no identification on file, no drivers license, no passport, no ss card, and the lease was signed electronically, so no signature. Pro-collect is aware of this and still will not delete this account. This debt does not belong to me. I am a Georgia resident and I have NEVER lived in Texas. I did not give anyone permission to use my information for any reason. I need this collection debt removed. 

I am attaching a copy of the police report, an identity theft report/affidavit from the federal trade commission, proof of utilities via XXXX XXXX  and XXXX XXXX, and a copy of my mortgage statement.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX   XXXX  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.
Consumer complaint received 2017-04-24
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: Experian Information Solutions Inc. (FL)

Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  XXXX   XXXX ,   XXXX  ,   XXXX   XXXX     XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,   XXXX   XXXX     XXXX   XXXX ,   XXXX  ,   XXXX   XXXX     XXXX   XXXX ,   XXXX  ,   XXXX    XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX    XXXX   XXXX   XXXX    ,  XXXX   XXXX    XXXX   XXXX   XXXX     &   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Consumer complaint received 2017-04-24
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. (VA)

Chase incorrectly rebilled a charge for {$4000.00} back onto my account. I submitted a complaint. They responded to me and told me they were looking into it. In the interim, they 've charged me a late fee and over {$150.00} in interest. It 's been a week and a half since I was told they were looking into the issue and I have left several voicemails and send several emails to the person at the Chase Executive Office who  contacted me, and have not heard back at all.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (DC)

I booked three hotels in XXXX with my Citi Costco Card. This was during XXXX, during the pandemic and when XXXX was in total lockdown. Two of the hotels refused to refund my money or offered me credits to use during the pandemic. 

So, I challenged the payment with Citi. Citi refused to give me credit. It is unfair that I should have to pay for hotel reservations during the pandemic. My flight to XXXX was cancelled. Citi should refuse payment to the hotels and refund my money. I have attached correspondence from the two hotels. 


Thank You, XXXX XXXX
Consumer complaint received 2017-04-24
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: Experian Information Solutions Inc. (KY)

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C.   Employment D. Court Order The following credit inquiries are related to none of the afo rementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX   Please remove these inquiries from my credit report immediately
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a problem with Equifax for over 20 years reporting the incorrect information on my credit file. Today,    XXXX   XXXX   XXXX  , I  applied for a loan with my credit union and my score is  XXXX . Equifax has accounts that I have paid in full and on time listed in bankruptcy when they where never included in the bankruptcy. They are reporting accounts I never had and have disputed over and over, they remove them and send be a letter. The next year I pull my report, Equifax has put the accounts back on my report, so I have to file a dispute again. I do n't know what to do, Equifax is used by most banks and if they are constantly reporting the incorrect Score and information on my report it is causing me to be denied or pay a higher interest rate. This is unfair to me. You ca n't call them or speak to anyone.
Consumer complaint received 2017-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

I recently use the service Venmo to transfer money to a friend of mine who I owed {$600.00} to. I transferred that amount to my friend using the Venmo mobile app. Once I submitted the transfer, I noticed the amount jumped to {$620.00}! There was an instant 3 % fee that was charged. It would have been nice if I had know about the fee before the transfer occurred. It was instant, and I had no chance to cancel the transfer. I thought this was very shady on the part of Venmo. I contacted the company and they said the 3 % was assessed because my account was linked to a credit card which causes the fee to occur. They declined to get rid of the fee citing the terms of agreement. However, it 's important for customers to at least review the upfront fee before they transfer the money. That 's all I wanted, a choice. I was not provided that.
Consumer complaint received 2023-02-09
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. (KS)

i do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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: Synovus Bank (NV)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX  XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX XXXX XXXX PAID has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2020-06-21
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. (AR)

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, Equifax, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient intentionally obfuscates the " email us '' option on their website. When you click " email us '' you are brought to another page with a written list of instructions on how to get to the email form rather than a direct link ( a tactic to reduce the number of emails received ). 
Navient does not offer webchat or email assistance ( although as one of the most dominant loan services in the country, they are more than capable of doing this securely as other financial institutions do ). They direct every inquiry to their toll-free number regardless of how it was received. They do not allow customers to record conversations and thereby ban us from having any proof of what was communicated. 
I felt deceived and bullied into making hasty decisions, and last year, I refused to have ethereal telephone communications about the financial options and the unaffordable rates and fees on my account. Because of the intentional limits of communication options available, I have been forced to go into default on the private student loans, which are on my account. 
I believe that all of this deception, limitation of communication options, and obfuscation of information is unethical and preys on the most vulnerable students. 
I have reached out to Navient via the " email us '' option on their site several times over the past year and have only received a message asking for a phone call each time. Because I will not call, I can not collect information about making alternative payment arrangements. 
These deceptive practices need to stop.
Consumer complaint received 2023-02-09
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: Nelnet, Inc. (IN)

I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. Nelnet Also In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has violated my rights. 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. 
I am not nor giving permission to furnish these fraudulent accounts.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I opened a Lowe 's credit card when making renovations on my kitchen. Although I quickly paid off a large ( $ XXXX ) balance and the parent bank ( Synchrony ) showed my payment as having cleared on XX/XX/2023, the bank is still reporting the balance as outstanding as of XX/XX/2023. The bank representative said this is because this is a new account and the bank will take up to 20 days for " processing. '' As a result, my credit score has fallen from XXXX to XXXX even though the lender has now had my funds for XXXX days. This is absurd.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (TX)

The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (NV)

My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.