davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRINITY HOPE ASSOCIATES (OR)

Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of XX/XX/XXXX.
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AR)

I sent a Validation of Debt and C & D letter to chase. 
I have been contacted 3 times which is {$1000.00} fine per contact. I ceased all contact except certified mail involving my dispute. This includes- in person, email, phone, and credit reporting/third parties ON my behalf. They failed to answer me within the time ( 30 days ) that I gave them. I proceeded to then get into contact with the CEO requested the information, have yet to hear anything yet a report of late payment was put on my credit report AFTER opting out of all communication with me or any third party regarding me. Were up to {$5000.00} in fines PURSUANT to the law and TILA. 
According to 15 usc 1650 ( a ) ( 1 ) ( c ) a co signer is not a spouse, so this entire transaction was illegal to start with. I have a team of attorneys, as well as proof of claims, and debt lined up and proof they failed to comply with TILA!
Consumer complaint received 2021-12-11
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX they issued a provisional credit as I stated and I guess this bank as usual doesnt read things right that in a dispute they sold fake cases I learned that so I didnt open the package I REFUSED the package on XX/XX/XXXX of XXXX. See the tracking number!!! When you refuse through the XXXX they take it back and return back to sender. I am not responsible after refusing the package ( as its not in my position its the XXXX sending it back to the original sender ) if the XXXX delivered it. Upon calling them today they said they did. So I suggest the bank and the merchant deal with that because I returned it!! Its says refused which means I dont even have it in my possession the XXXX sends back to sender when you refuse! The XXXX man said they would only do this if I refused it and did not open it. So I refused it as I will provide the screenshot from the actual XXXX website and it was on its way back. Thus when you refuse a package its returned to sender. If the merchant is that ignorant they should probably call the XXXX and speak with them. I am providing the actual tracking, Barclays response that the merchant is right which is laughable since I never had opened said package it was refused!!, and the mailman scanned it refused so I didnt touch the package. 

I suggest the merchant and Barclays give me the XXXX back as I have the proof attached it was refused by me and back to their state. If I dont see the XXXX youll be hearing from my law firm. You know the one you say you call but you never leave a message but nice try saying you contact people when you clearly dont leave messages for them. 

Last warning Barclay you see it refused and you are blatantly refusing to credit me you instead charged it back on Me. Thats fraud.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-11
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. (TX)

I was notified through a push notification and email from Chase Bank, that there was a suspected fraud transaction. The transaction was from XXXX XXXX, located in XXXX, TX, for the amount of {$4000.00}. This fraudulent transaction took place on XX/XX/2021. I immediately disputed this claim to Chase by calling their fraud department. The fraud department advised me that they had determined it was fraud and that the transaction was had tried to be processed numerous times before successfully charging my card. On XX/XX/2021, I received a letter in the mail from Chase that was dated XX/XX/2021, notifying me that my fraud claim had been denied. The letter did not state the reasoning, nor did they provide me any information on how to dispute their finding.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with Experian XXXX and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Consumer complaint received 2022-11-20
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. (NC)

I originally filed a complaint with the CFPB regarding a verification letter that I sent to and was received by Equifax on XX/XX/2022. CFPB Complaint # XXXX. In the letter, I requested verification of a Bankruptcy item, and I also requested the Method of Verification as well. 

Equifax exceeded the maximum amount time of 30 days in which to respond. They failed to respond until after I filed my complaint at which time, they opened an investigation when they should have deleted this item pursuant to the FCRA. 

Now they are claiming as no XX/XX/2022 they verified this item to be accurate. This is no doubt, a violation of the FCRA. It is clear that courts do not report to credit reporting agencies.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (NY)

XXXX XXXX - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALCHRO INC. (FL)

I have had a credit repair service dispute this by sending letters to the original creditor and collection company numerous of times and they refused to stop calling and sending new collection letters from different agencies violating my ( Hippa laws ) and letters were sent to address that portion of the problem too but to no avail
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

XXXX/Macys is reporting that I had a 60 day late payment in XXXX of 2008. I have disputed this several times and have requested validation and proof that the payment was not made on time and I have not received anything back from them, but XXXX and XXXX are claiming that they verified the information which I know is false because I have never made a late payment with them. XXXX/Macys updated the information to XXXX stating the account was positive.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

I have been trying to close this credit card account for 2 years. 

In XXXX I opened a Best Buy credit card account for an XXXX computer. I paid it off completely and closed the account out in XXXX. The account was completely closed in XXXX. Surprisingly, In XXXX I was charged an annual fee for the credit card account. I called Citibank in XXXX and told them that I had closed the account the previous year, so they waived the annual fee and late fees and told me that I would not have this problem again. 

Now in XXXX, they are trying to charge me an annual fee AND late fees AGAIN for a card that I closed completely 2 years ago, in XXXX. Every single time I try to call Citibank to see what's going on, I get somebody on the line that doesn't speak XXXX clearly and I can not understand. I am consistently transferred to somebody new that I have to explain the entire problem to from the beginning again. I've spent several hours on the phone being transferred around, several times, only to repeat myself over and over. Every time I ask anybody for their extension number or company ID, they either hang up on me or try to tell me that there is no such thing as an extension number or company ID at Citibank. 

I figured out I could have my call transferred to somebody " stateside '' in the USA, that's when I connected with XXXX ( Company ID # : XXXX ) She was the first person to be able to actually help me. She told me there must be a glitch in the system that keeps charging me an annual fee even though my account is closed. She transferred me to somebody that spoke clearly and was able to waive ALL of my account fees. 

Now only one month later, they are charging me an annual fee, and several more late fees. All I want to do is close the account completely and be left alone. This has lowered my credit score and caused me hours of headache. Please help me get this credit card closed completely because I can not deal with Citibank anymore.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

Someone used my name to open a sorage unit account. I was barley legal and had already had previous accounts that were reported as identity theft. This account was not reported because at the time it was not on my credit history. I called the place they told me there would be nothing they can do because it was not reported.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I had an appointment with a local dentist for some much needed work. Upon receipt of the estimate for services ( attached ) I inquired about the use of my credit to which they gave me a pamphlet for CARECREDIT by Synchrony Bank. I submitted an application on XX/XX/2022 online. I immediately received a denial letter online ( attached ) which I believe to be in violation of 15 USC 1691.
Consumer complaint received 2022-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

On XX/XX/2022, I was denied XXXX XXXX XXXX XXXX ( XXXX ) & Temporary Expanded XXXX ( XXXX ) that I should have been approved for based on the new XXXX program requirements. I need your help with getting this matter resolved. 

I have {$18000.00} in public student loan debt that should have been forgiven based on the new XXXX program requirements. After taking all of the appropriate actions and submitting all of the required documentation, I received an email from FedLoan Servicing stating that I have only made XXXX qualifying payment. This is not correct. Under the new requirements, including that periods of repayment under any plan count and periods of repayment on loans before consolidation count, even if on the wrong repayment plan ; all of my payments should count, and all of my student loan debt should have been forgiven. https : //studentaid.gov/announcements-events/pslf-limited-waiver I have an amazing payment history and never defaulted on my loans. I have also made more than the required XXXX qualifying payments and taken all of the required actions including : ( XXXX ) completing the Direct Loan consolidation by transferring my student loans from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX, ( XXXX ) submitting the XXXX application, and ( XXXX ) my employer verification forms documenting my XXXX years as a full-time federal government employee. I also noticed that XXXX of my employment verifications forms ( showing XXXX years of full-time federal employment at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX is missing from my account. I have attached supporting documentation for your review, including my student loan payment history and full-time federal employment for the past XXXX years. 

Since receiving the denial email on XX/XX/2022, I have contacted FedLoan Servicing several times but was put on hold for hours and unable to get through to a representative to obtain guidance on how to fix this problem. I understand that the representatives may be busy ; however, there should be a way for me and other people seeking help to get a timely access and a response. Consolidating my loans into the XXXX XXXX program was seamless; but getting my XXXX benefits has been very stressful. As a veteran and military family member, Ive experienced stressful situations and have compassion for people on the other end trying to help. I cant image what others are going through who have less experience dealing with these issues and are in financial duress.
Consumer complaint received 2022-11-20
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. (NJ)

My score disappeared on both XXXX and Equifax and I have zero negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

There are hard inquiries on my account that are reflecting inaccurately. 

SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, NELNET is reporting numerous accounts in my name as 120 days late. I have contacted NELNET numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because NELNET responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2022-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 

15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.