davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (TX)

In XXXX 2003 XXXX XXXX called me to advertise a program. At that time I was going to college and it was a bit difficult for me to get the time that I needed to attend the classes. So, when they called me I thought it would have been a great opportunity for me to have a steady job as they promised ; in order to finish my college education. So, I accept to sign in. At that time they told me that the tuition will be for about {$26000.00} and I will only pay about {$12000.00} because the government will be responsible for the remainder. However, that was a lie. Around 2003 while in class they called into the financial aid office just to sign on forms that they have already filled out. I thought it was for my best interest because I was in class, so, I do n't miss the teacher 's instructions. But, later on I have realized it was because they wanted to be successful into their scam activities. So, they made me sign on loan for {$12000.00} with XXXX XXXX. I could have said well, XXXX XXXX does not have anything to do with the school being a lawbreaker. But on the other hand I am thinking they must have known something. Because they can not allow anyone calling them and asking them to support a student without knowing who the student is and who the business is. For example if I were to call XXXX XXXX and ask them for {$5000.00} loan or for {$50000.00} they will ask me what type of business that I am conducting, they will also ask me for a proof of license. If they do n't do that that means they are in fault. They will however, get rip-off all the times ; and that is not business. Which means they have to do a thorough search before accepting a request. They either knew who XXXX XXXX was or was an accomplice with them. Therefore, I should n't be the one victimize for this scam game. And like I mentioned if they did not do their research before accepting the school request, this experience ought to be a good lesson for them. Therefore, I am asking for this loan to be erased from my account and also to be reimbursed for the total amount that I have paid to them for eight years which totaling {$20000.00}.
Consumer complaint received 2017-10-20
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 have contacted the company and the bureau on several attempts. The accounts are reporting inaccurate on my credit file. I have no knowledge of these accounts XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (FL)

Regardless of the fact that I received the attached Letter from XXXX XXXX XXXX from Discover Card, please see 3rd. paragraph stating that the rate reduction will be reflected on my next monthly statement, i.e. XX/XX/2018 I have received the monthly bill with the wrong monthly amount of {$97.00} which I can not pay. Upon contacting Discover card via telephone during the past week, and today, in several opportunities they have declined lowering the monthly payment. As you can see Discover is non compliant, as I understand once it is written they have to respect what they offer. Please look into this matter ASSAP as I do not have the amount they are forcing me to pay this month. You need to have Discover card to stand for what they have in writing it is against the law to lie in such a manner. Thanks for your prompt reply. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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. (OH)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the MODPED partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MN)

**THIS IS NOT A DUPLICATE** I mailed a payment into Chase Auto Finance and payment/ envelope was returned. 

I am resubmitted to have this issue taken care of. I have provided a copy of written check/ envelope that was returned. 

The derogatory remark should be removed. If not I will be seeking legal representation to have item removed, since I have provided sufficient evidence of returned mail item.
Consumer complaint received 2017-10-20
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: DISCOVER BANK (FL)

I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX
Consumer complaint received 2018-06-04
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. (TX)

I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (MD)

On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX  beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

My house was f
looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage.
I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished.
XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date.
PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX.
PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards.
PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs.
I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.
Consumer complaint received 2017-10-20
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. (GA)

I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XXXX/XXXX/XXXX I submitted an initial dispute to XXXXn requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXXT XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Consumer complaint received 2022-08-05
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. (MD)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-08-05
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my XXXX  report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my XXXX  and Equifax report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my XXXX  and Equifax Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX Bank Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.
Consumer complaint received 2017-10-20
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (MD)

On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I closed my Citi card account sometime in XXXX XXXX. On XXXX XXXX, they notified me that I had a balance of $ XXXX. I called in to ask what could be done, and they offered to wire the funds to my new bank account. I gave the rep my routing and account numbers, and then did n't see the money for about a week. I called in to ask what had happened, and they said the money had been successfully transferred. Several higher-level reps have agreed that what must 've happened was that the first rep typo 'd my account number but not my routing number, so someone else ( not me ) at XXXX has my {$150.00}. XXXX told me I needed to get the trace number from Citi so they could open an investigation. I 've gotten all the way to the " office of the president '' with Citi, and nobody has been able to get me the trace number. My first contact with them was XXXX XXXX ( that 's when I gave the rep my routing/acc # s ) - it 's XXXX XXXX and I still do n't have the money or the trace number. I keep calling them and keep being told " we 'll call you back Monday, expect the money by Wednesday '' or similar, only to not be called back and not receive my money. 

Call timestamps ( CST ) : XXXX XXXX - Time unknown ( already pruned from my phone 's recents list ) 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 - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I 've been promised callbacks no fewer than 6 times and never received one. It 's been a month and a half and I still do n't have my money. 

( The reason I 've been calling so many times since the XXXX is because I was given a direct number to the executive office on the XXXX, and every time I call it I get voicemail. )