davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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: ALLY FINANCIAL INC. (NJ)

I have a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. ALLY FINANCIAL Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4.  XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX know that they need to put these accounts on my credit report because this is a defamation of character
Consumer complaint received 2019-02-04
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)

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX XXXX Account ( result of identity theft ) There are late payments showing on XXXX XXXX and XXXX XXXX ( I was  never late on these accounts ) Names : XXXX Addresses : XXXX XXXX, XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX  ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: DISCOVER BANK (NM)

I OPENED AN XXXX XXXX ACCOUNT. I CANCELLED IT XX/XX/2020. I deleted my credit card information from the XXXX XXXX information at the same time as closing the XXXX account. XXXX sent confirmation emails of the closing of the XXXX XXXX XX/XX/XXXX and XXXX. But they billed my credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I tried to contact XXXX, but b/c my account is closed I can not get into their system any longer. I contacted Discover XX/XX/XXXX. They did nothing. I contacted them again today when i saw the new XXXX charge. They have given me provisional credits. But if XXXX doesn't agree, those charges will be reinstated by Discover. 
I also complain about how very difficult and complicated it is to close an XXXX XXXX account. A " help '' website for the problem states it requires 15!! fifteen steps. I think this is a clear sign of abuse of their consumer services. I represent elderly people and this is exactly the kind of misleading abuse that causes people to be overcharged and give up trying to fix it.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in XXXX? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with XXXX  before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from my credit report.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (LA)

Good afternoon, I have a Chase Sapphire Reserve credit card. It offers travel miles which can be used to book hotel reservations through their portal. 
A hotel reservation at XXXX XXXX XXXX XXXX was made on XX/XX/2020 through the XXXX XXXX  on Chase website for a stay from XX/XX/XXXX to XX/XX/XXXX. I used XXXX miles to make the reservation ( XXXX $ value ). 
Upon arrival to the hotel, it turned out that the hotel is closed since XX/XX/2020 ( 6 months before the reservation was made ). 
I immediately contacted Chase XXXX XXXX program to get a refund, they said that in order to give me a refund, they have to contact the hotel to get an authorization for the refund. I had to book a different hotel ( XXXX XXXX ) for a value of {$950.00} $ since it was a late reservation. 
Since then, they made multiple attempts without a response. I had called Chase numerous times and received the same answer, they're still waiting for the hotel to email them back with an authorization. 
Attached documents include the confirmation of the reservation at XXXX XXXX XXXX that was made after the hotel was closed, copies of the emails that i received from Chase saying that they're still waiting for a response, a picture of the sign the hotel has on their front door stating that they're closed, a picture of their website stating that the hotel is closed, a copy of the new reservation confirmation which was made on XX/XX/XXXX ( the date of the original check in ) and a copy of the new hotel reservation transaction. 
I appreciate your assistance with this regard.
Consumer complaint received 2022-10-13
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. (FL)

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (WI)

The company knowing, willing and intentionally reporting false credit information to all 3 credit agency 's in there effort to deny my right to cancel private mortgage insurance. 

On XX/XX/2020 I requested the cancellation of PMI insurance and was denied. On XX/XX/2020, I made a second request and was again denied. On XX/XX/2020 I made a XXXX request and in XX/XX/2020 the company falsely reported that I was more than 30 days delinquent in making my XX/XX/2020 payment. On XX/XX/2020 my 3rd request was again denied for being more than 30 day late in making my XXXX payment. 

On XXXX XXXX I was denied a personal loan from a financial institution that I had a perfect credit relationship with for more than 5 years due to the false XXXX reporting by the company.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2019-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC (IL)

I was sued by a collection agency named Markoff Law for an installment loan I took out with another company named XXXX XXXX XXXX. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to Markoff Law and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead Markoff Law took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted Markoff Law and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. Markoff Law contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. Markoff Law and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (VA)

I started using Freedom Debt Relief on XX/XX/XXXX. 
I closed my account with them on XX/XX/XXXX. 
I believe I've been charged fees for debts not settled and other extra fees. 
XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) unsettled debt, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXXXXXX ) Claimed they had settled a debt on XX/XX/XXXX, and charged me a debt settlement fee of XXXX. On XX/XX/XXXX, I found out that it had never been settled. I asked for a letter stating that the debt had been settled. FDR sent me a paper twice but it wasn't proof of settlement. The third time I called them, I was given a hard time. These fees and a lot of other smaller fees were charged to me also. I really feel like this company was deceptive to me when I signed up for the program. I would never suggest this to anyone else.
Consumer complaint received 2022-10-13
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: JPMORGAN CHASE & CO. (VA)

The Chase United Airlines Explorer card has offered the following : " Earn a {$300.00} statement credit after your first purchase. * Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first 3 months your account is open. '' I signed up online in and was never credited promised promotional offer despite fulfilling requirements. Chase Credit Card maintain that I signed for a mileage offer and not credit, that is simply not true. When I requested a copy of my application and digital signature they said that they are not obligated to provide that to me. I tried to resolve the matter directly with the Chase Credit and then through XXXX but Chase is not changing their position. I request the CFPB intervention to resolve the matter.
Consumer complaint received 2022-10-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

i reach out to XXXX and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I opened a care credit card with Synchrony Bank this past summer. I have a zero % interest on a portion of the balance good for 12 months and I have a portion that has a 14.99 % interest. I have called every month and asked them to allocate my payments and then they apply however they want. I realize they are doing this so my payments don't post correctly and then they can charge me all the interest that I would have saved with the zero % interest. I have called them twice in XXXX, twice in XXXX, twice in XXXX and once in XXXX. This is a SCAM company and I can't get anywhere with them. The supervisor I spoke to on XX/XX/22 reassured me it would get corrected and I just called today XX/XX/22 and they said it will take 1-2 billing cycles. this is unacceptable by me because its a part of the SCAM they are running. Please help me get this resolved.
Consumer complaint received 2021-09-03
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. (CA)

On XXXX I sent out letter to Equifax XXXX XXXX regarding inaccurate and false information on my credit report. It has been over 60 days and I have not received and type of response yet. I feel as if Im being taken advantage of, and my disputes are being ignored by the credit these three credit reporting agencies. Section XXXX XXXX a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has gone over the 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately. If these items are not removed I will be forced to file for litigation due to stress that has been caused because of this. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I believe that I am a victim of identity theft and these agencies refuse to acknowledge my cries.
Consumer complaint received 2019-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

This is my second complaint with CFPB about Navient. My previous complaint received a copy and pasted generic response from Navient. I am fed up with dealing with this lender. I was never properly educated on how the interest would capitalize during my time in school and after. I was only given options for repayment that paid toward interest and in very small increments which has increased my balance over 150 % in the last 10 years. I owe 2.5 times what I borrowed and have my made payments since graduation I XX/XX/XXXX. The original lender, Sallie Mae, could not keep their end of the bargain and were conveniently allowed to just change their name and continue business as usual XXXX  borrowers that were defrauded by their schools. When students realized they attended predatory and for-profit schools, the lender should have made attempts to work with the students for relief. It is absolutely unfair that I attended a school that lied about accreditation, did not educate me on cost and taking out loans, and eventually closed their doors ; making my degree a useless piece of paper. I am expected to pay back loans until XX/XX/XXXX, which will equate to over {$600000.00}!!!!!! 

GIVE RELIEF TO STUDENTS FRAUDED BY SCHOOLS THAT ARE NO LONGER OPEN THAT HAVE CREDITS THAT DO NOT TRANSFER!!!!!

1. unclear on capitalization of interest over time of loan 2. loan sale and resale without permission 3. loan capitalization that was over 3x borrowed amount 4. horrible customer service, only offer repayment options that make money for navient and never pay toward the principal 5. late fees before payment due date or when payment was applied twice in one month 6. unfair practices for borrowers, policies do not favor the borrower and lender makes enormous profit 7. estimate of my loan payoff is XX/XX/XXXX with a total payment of over {$600000.00} when I only borrowed {$68000.00}. HOW IS THIS FAIR OR LEGAL???? 
8. can not say enough about the customer service. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have your priorities straight and you can afford 25 % of your income to your student loans.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

Second attempt. Prior complaint XXXX Chime posted a transaction in the amount of {$30.00} from XXXX. This transaction was not mine. They closed the dsipute without refunding my money. I asked for proof, as in receipts for items purchased or what the charge was for with a receipt. They ignored my requests. They credited the {$30.00} back to my account on XX/XX/22 and then deducted the amount on the same day. They need to credit my account the {$30.00} back to my credit builder account.
Consumer complaint received 2020-06-05
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: CITIBANK, N.A. (CA)

Hello, On XX/XX/2020 when the COVID-19 pandemic started. I wanted to cancel my international flight since at this time, the USA was at stay at home orders and the borders have been closed. My flight was for XXXX. I tried to get in contact many times with the airline and no response. They would just hang up or lie and say I got the wrong number after I asked about cancellation. So I decided to file a dispute with my credit card, to file a dispute on this transaction. They gave me a temporary credit of {$140.00} USD, which is how much I paid for the flight. 
During this time, I still tried to get in contact with the airline and still no response. 
XXXX came and went. My flight passed. 
So now is XXXX, still tried to contact the airline and no response. On XX/XX/2020, I notice on my credit card billing, that Citi has closed the dispute and decided on the merchant 's favor. So they reversed the transaction of {$140.00}. 
I don't know why they decided in the airlines favor, especially when my flight was in XXXX. So I have no flight, no refund, no nothing. I try to contact the bank, I have been on hold for 2 hours and I get hung up on. I don't know wha else to do.
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I don't believe the monthly payment amount is correct. The loan amount is {$340000.00} with an interest rate of 3.875 percent over a 40 year term. By my calculation and using various calculators online, the monthly amount should be lower than {$1400.00} per month.