davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NH)

I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MO)

On XX/XX/2022 I deposited a personal check for {$75.00} I also deposited a XXXX Treasury check from my retirement plan that was {$1600.00} into my Citibank checking account. I have called over 100 times to get an answer on where my money is and why they are telling me i will not get any of my money back.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MA)

I have, on numerous occasions, reached out for proof of late payments. They have yet to provide any valid, verifiable verification. They dont provide any response whatsoever unless its from a CRA ; which is also questionable.
Consumer complaint received 2020-08-14
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: CITIBANK, N.A. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I made a chase quickpay payment through XXXX on XX/XX/2019 for the amount of {$2000.00} to my non-chase account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my chase account, but never reached my XXXX account. I called XXXX and they said that the transaction failed and the bank should return the money to my chase account. I called chase and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my XXXX accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.
Consumer complaint received 2020-08-14
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: LEXISNEXIS (MN)

I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, XXXX  and Lexis Nexis. I need to know how XXXX, XXXX and Lexis Nexis verify a bankruptcy before they add the information to an individuals credit report.
Consumer complaint received 2020-08-14
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. (MN)

I am requesting a letter with method of verification for verifying a bankruptcy from Equifax, XXXX and XXXX XXXX. I need to know how Equifax, XXXX  and XXXX XXXX verify a bankruptcy before they add the information to an individuals credit report.
Consumer complaint received 2020-08-14
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)

It has been over 60 days with no response from the credit bureaus on the issues I have sent them which I know is in complete disregard of the FCRA. I really hope you can actually help me with this situation and get them to finally respond.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TCF NATIONAL BANK (MN)

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving debt collection phone calls from TCF Bank in regards to 2 checking accounts that I had with TCF Bank that was included in my bankruptcy petition. The 2 checking accounts was under the following social security numbers : XXXX and XXXX. The 2 checking accounts was discharged in bankruptcy court. My date of birth is : XX/XX/XXXX
Consumer complaint received 2023-01-23
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. (MD)

I'm reaching out about a previous dispute investigation concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made Equifax aware that the date of first delinquency filed is missing and the compliance code has not been updated to indicate that this account is in dispute. Is the account delinquent? When did it become delinquent? The missing details are not compliant with the industry standard XXXX XXXX nor the Fair Credit Reporting Act and Equifax had over 30 days to correct this therefore it must be deleted.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IN)

I have attempted to pay my new ( " transferred '' ) loan depot mortgage online several times. By the way, I have not received any statements since the initial statement in XXXX ( loan transferred since then. ) I was told you do not receive a statement, until the payment is made. That's also wrong : you should receive a statement consistently each month in order to pay in a timely manner. But this is the real problem : their website keeps sending me back and forth between the same screens. I've called several times and no one has been able to get me through to the correct place to set up my online payment : most recently, this past Monday. I spoke to XXXX ( wrote this one down ) who assured me my old loan info. would be removed ; and I'd be able to access the transferred loan. My previous transferred loan was # XXXX ; I am trying to set up online payments for the new Loan Depot refinance mortgage ( # XXXX. ) I gave the website plenty of time to ( " may take up to 48 hours : '' ridiculous ) and this morning, still could not access my account! When I did finally get through, it stated it would be another 48 hours before I could access, and pay, my loan. They will be conveniently servicing the website Sunday, XX/XX/XXXX setting up customers to be late on their payments. 

XXXX XXXX XXXX created their payment website in XXXX. It is truly the worst. Please help. I shouldn't have to keep calling in and paying by phone ( more fees. ) I have a credit score of XXXX and have always automatically paid my mortgages on the XXXX of the month.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I am, XXXX XXXX, consumer in fact. The Department of Education Navient accounts are being reported inaccurately as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of Education-Navient alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of Education- Navient accounts are also in violation of federal law because when I disputed the inaccurate information it was not noted on my consumer reports as consumer disputes information *Cited from Violation Notice sent to Navient* *I have attached Violation Notice that has breached the 30 day response* *I have attached my government issued identification*
Consumer complaint received 2022-03-29
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. (NY)

XXXX XXXX charged my Chase visa credit card {$1700.00} XXXX ( canceled ) the purchase was protected and I was nopt give a refund or credit.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (TX)

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a zero balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX  is and has always been in good standing but XXXX is the problem!
Consumer complaint received 2019-01-11
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: BARCLAYS BANK DELAWARE (CA)

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX Account # 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
Consumer complaint received 2020-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

I recently received my latest Annual Escrow Statement account for XXXX. The statement shows a shortage of {$3600.00}. This shortage results in my mortgage payment increasing from {$1400.00} to {$1800.00}. This increases my monthly mortgage payment by {$490.00}. This increase will cause significant financial hardship for some time to come, for an error I did not commit. 

Since my refinancing in XXXX below are the Annual Escrow Statements by year and the shortage amount : XX/XX/XXXX {$760.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3600.00} Property and school tax increase are limited by law to 2 %. The Hazard insurance increased by 10 %. from XXXX to XXXX. The significant Escrow shortage is not due to my taxes or insurance increasing. 

Conducting a research of School tax Payment, the following faults are identified. The XXXX School tax payment for {$2000.00} was made on XX/XX/XXXX. The XXXX School tax should have been paid in XX/XX/XXXX. However, the XXXX School tax {$2100.00}, was paid late on XX/XX/XXXX. The XXXX School Tax payment was due in XX/XX/XXXX. The late XXXX Tax payment resulted in using misappropriated Escrow funds from the wrong year.

This late tax payment is the primary reason the Escrow shortage amount is so significant. 

Since the inception of this mortgage I have not missed any payments, nor have I been late. As a Federal Government employee, I have endured two federal government shutdowns where I was not paid. Yet, I met my financial requirements to US Bank. My credit score is above XXXX points and have worked diligently to maintain that score. 

As stipulated in section 3 of the mortgage document I request that I no longer be required to maintain an Escrow Account, and I pay all taxes to appropriate offices.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Apparently I am all of a sudden a high risk to them and they have closed two accounts. I havd value pays coming up, so I had to pay for previous items myself. Now my monthly payment has doubled, which is an amount I can not pay. This has started a snowball effect to other crediters, my credit limits are starting to be lowered. in some instances I have items backordered since last XXXX, now I will not be able to pay for them. I XXXX XXXX XXXX XXXX at the end of XXXX, and have been inundated with medical bills. Two weeks ago I XXXX XXXX XXXX. Minimum payments are all I can do right now.
Consumer complaint received 2020-08-13
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

This collections account showed up on my credit report and I have tried SEVERAL times for account validation because this isnt mine and unfortunately had identify theft with XXXX so I watch my credit report VERY carefully. I have never received communication by mail or phone from this company and went as far as to contact the credit agencies for help.
Consumer complaint received 2021-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

its the data hackers that try to think Im stupid : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I received a {$36.00} overdraft fee on XX/XX/18. On XX/XX/18, I had {$6.00} in my bank account. I had a deposit of {$10.00} sent via XXXX to my account that day. Which meant I would have had {$16.00}. I can provide an image of all items that were still in the pending status as of XX/XX/18. Except for one item - XXXX XXXX for {$15.00}. That was NOT posted or even in pending. I had the {$10.00} deposited specifically because I knew the {$15.00} would post the next day. The {$10.00} would have added enough to my account so I wouldn't go into the negative. I can also provide the receipt for the deposit which states " The money will be in your account TODAY. '' Unfortunately, I am not able to show how that account looked that day. From the next days ' image it is hard to understand that because of how the items actually posted. Regardless, if you would go based upon the screenshot of my account. It should have added {$10.00} to my balance before the pending items posted which means the computer system should have given me a balance of {$82.00}. With that balance, my account would not have gone into a negative balance. I went to the branch to try to have the {$36.00} overdraft fee reversed. However, they were not able to do that since they said the deposit was made after XXXX XXXX and it didn't post until XX/XX/18. I was not made aware of this by PNC. Specifically, I was informed of the exact opposite. The receipt I have says " The money will be in your account TODAY '' If at any point PNC made aware I would have gone to an ATM and put the money in that way. I should not be penalized for misleading information sent directly from PNC. I am asking you to help reverse the fee. Additionally, for them to correct their official misleading policies/information.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I was sent communication from Discover that I had a past due balance, with no communication regarding a penalty of closing my account if I did not pay the past due balance. On XX/XX/2021 I paid the account balance of {$7000.00} in full. On XX/XX/2021 my account was closed. 

The Discover representative that I spoke with today, XX/XX/2021, didn't know why my account had been closed either. The only note on my credit report is that the account was closed by the creditor.