davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit 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. (DE)

Home Depot Account number XXXX XXXX XXXX XXXX Police Report - Case # XXXX Home Depot XXXX Home Depot Executive Response XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX Details : XX/XX/XXXX two charges were made at the XXXX XXXX DE Home Depot. In the amount of {$630.00} & {$2.00}. Home Depot card services looked up the purchased items and they were bathroom remodeling items. 

XX/XX/XXXX Two more charges were made. {$2.00} at the XXXX Home Depot and {$19.00} at the XXXX  Home Depot. 

I did not make these charges and filed a dispute with Citibank on XX/XX/XXXX. ( Citibank is the servicer of the Home Depot credit card ) I was told that someone in their fraud department would call and let me know what else was needed for the dispute to move forward. No one contacted me and the dispute was denied, since the purchase was made in store. 

On XX/XX/XXXX, I filed a police report and an appeal through Citibank. The appeal was quickly denied. No one is investigating this. No one will pull security camera footage and I fear that it may be too late to obtain footage. 

We did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my Home Depot credit card to make supply purchases. The credit card was always promptly returned. Only contact info we have is his phone number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. 

I do not know what happened. I did not make these charges. I am not supposed to be liable for fraudulent charges, but no one appears to be helping me. Ive asked for security camera footage of the New XXXX DE transaction every single time I have contacted anyone from Home Depot or Citibank. Was this transaction made with an old credit card? Pre chip? Was my credit card spoofed? Im well aware that its not easy to duplicate those chips, but there are reports of it having been accomplished.
Consumer complaint received 2017-10-18
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. (CA)

XXXX XXXX XXXX XXXX has put many debts ( 8 on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Consumer complaint received 2017-12-25
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. (CA)

My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax
Consumer complaint received 2017-10-18
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. (VA)

The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.
Consumer complaint received 2017-06-27
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. (NY)

I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CARS Acquisition, LLC (NV)

XXXX of XXXX, I bought a XXXX XXXX  XXXX from a dealership here in XXXX XXXX, NV. They got me finance through Car Financial Services here in XXXX XXXX, NV. In XXXX of XXXX, a gentleman decided that he wanted to broad side my new truck. My insurance company paid it off in a matter of days. After that I purchased a XXXX XXXX  XXXX from the same dealership, but at a different location. I was financed through the same lending company, Car Financial Services. I miss understood that there was no grace period on the payments. I missed the payment date and was considered delinquent and was referred back to the dealership. I promptly made the payment to the dealership and was pick up again by Car Financial Services. I made XXXX 's payment on time. At that point, I had my payment date to match my VA compensation payment date. In XXXX of XXXX, I made my payment over the telephone. At that time, I asked the customer representative why i was being reported to the credit bureaus. He informed that they report it ever month, and condescendingly said that i must use XXXX XXXX. He made it sound like was I ignorant and did not know what I was talking about. I had the same conversation several times throughout the past year. 
I informed most of the customer representative I talked to that my first loan was there and closed, but the second was not there. I was always informed that it is automatically reported. 
In XXXX of this year, I wanted to try to get my truck refinanced to lower my interest rate. Finally someone agreed with me and saw that it was not being report and told me what to do. 
I preceded to get a hold of the credit dispute team for Car Financial Services. I then got a letter in the mail from them stating that I was right it is no where to be fold on any of the credit bureaus. I requested that that it be posted and i was informed that the account ; as far as, the credit bureaus is concerned my account was closed and could not be reported. Why can they report one account a decide not to report the other. 
I asked why it was closed and not being reported, i was informed that it was done last XXXX. Also, Car Financial Services didn't would not to post it. 
You see I wanted to accomplish 3 things. One. of my goal was to get a bad XXXX new truck that was done. the second goal was to try to improve my credit rating and get refinanced. Hoping that would improve my score enough to use my VA loan to buy my Mother 's property for her as a present. this was the third and finally thing. Now knowing that I can't accomplish any of things, I am some what XXXX. I don't remember being told that the account was never going to be reported. 
I then was informed by the credit reporting team that they didn't have to tell me and it was their choice to report it or not. Which i found out to be true, I can't get my truck refinance and i will have to find another way to improve my score. The other option is to go ahead and file bankruptcy and start all over!
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (OR)

This company contacted me as a " potential '' relative of mine. I do not know the person that owes the debt and do not know how they retrieved my private phone number. This is NOT a debt I owe. I am only related to the debtor as my daughter is married to his Aunt.
Consumer complaint received 2017-10-17
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. (PA)

Access to Citibank 's website has been denied " temporarily '' for at least the entire month of XXXX with no suitable explanation or time estimate for remedy from customer service. This raises concerns of electronic compromise, but has gotten no traction anywhere that I find in news reporting.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

Procollect inc I created a police report send them all the evidence that I wasnt in the apartment they tell me I was renting there and trying to charge me for it I have everything that I send them this is their address that it was fraudulent because I never reside there. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and this is the phone number XXXX
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Please, I need assistance from this company. I am still being wrongly labeled as 30 days late by Macys and this information is being reported so inaccurately and so viciously against me. They are being very unfair to me and are refusing to rmeove the wrong reports claiming I was late. all of the credit reports have different and inaccurate infkrmtiuon being displayed and I am terribly sad and confused by what they are doing to my finial life. <P/>I was never late to make a payment! It is not my fault that my statements went missing and I called to speak to representatives who had helped me and promised me that the returned statements would not impact my credit score. I am a good person and I do not deserve this false and abusive treatment from Macy 's. They claim to have verified and updated everything with the bureaus but every bureau is showing different false information. One company is saying I have two 30 days late the other says I have one in XX/XX/XXXXand then XXXX says I was late in XX/XX/XXXX! <P/>I am so XXXX and upset and feeling absolutely neglected and lied to. How can Macy 's do this to me? I was never intentionally late and statements were missing and never seen or paid, UI called and complained and wanted all the fees reversed and I was assured this would not impact my credit report. So why has it? Why are they doing this to me? Why does every credit bureaus say something else and yet the accounts read FCRA verified? What was verified? How? Who verified this to whom? Why do costumers get tossed around like we do not matter!?
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

XXXX XXXX is reporting on my Equifax report has late and with a last payment date of XXX 2017. I have n't had an account with this company in over 15 years. This debate is well over 10 years old. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe XXXX  XXXX any money therefor it should n't be reporting late payment and balance due.
Consumer complaint received 2017-10-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C. (WI)

A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XXXX I received an invoice from BestBuy credit card for purchases of {$4700.00}. Transaction date XXXX at XXXX XXXX, N.Y. consisting of one computer@XXXX. Also on XXXX @ XXXX, N.Y. there is a charge for one computer @ {$3000.00}. They are billed to a credit card with my name. I do not have a Bestbuy card On XXXX I received an invoice from XXXX credit card with a charge of {$970.00}. I 've never heard of this company. The charge was made on XXXX. {$640.00} and listed as XXXX direct # XXXX @ XXXX XXXX IA again on XXXX another charge was made at XXXX XXXX IA for {$320.00}. In both cases I contacted the account manager and the charges were removed. Both managers suggested contacting your services.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NV)

I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI, INC. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-06-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Statebridge Company (NY)

I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
Consumer complaint received 2018-06-04
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. (NC)

Equifax illegally displaying innacurate information on credit report. A medical collection account is apearing on my report from XXXX. I have no collections. This account may be from a workers compensation claim which I am no liable for and all claims were satisfied by employer. Account is illegal
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I opened a XXXX/ XXXX XXXX XXXX credit card account in XX/XX/XXXX. There was no interest rates due that I was told. I was making timely payments on account until they XXXX XXXX on balance on account and never credit payments towards account. I have been disputing off and on since XX/XX/XXXX and XX/XX/XXXX now XX/XX/XXXX. I have sent proof of a letter from Sams Club crediting my account in the amount of {$770.00}. This is admitting they made a mistske on account. Otherwise they would never have credit my account. I also have a letter on the interest rates. They have made my credit XXXX by reporting a false report on my credit report. I am not able to get or do anything for three years. I need them to either correct my account or take their name off my credit report. 
I also have a Walmart credit card by same bank. I have been making my payments on Walmart since I opened in XX/XX/XXXX never late. So this shows proof I do pay my bills. This company is violating the fair credit reporting act by reporting an account where XXXX XXXX XXXX have no paperwork to show the account. 
I declare under penalty of perjury under the laws of the state of California that the above is true and correct of my own knowledge. God Bless Sincerely, XXXX XXXX
Consumer complaint received 2018-06-04
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: Nelnet, Inc. (TX)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
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. (CA)

I disputed inquiries in XX/XX/XXXX both through the website and on the phone. They have not removed them. I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Dept. Stores Phone Number Address XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX/XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number MAIL ONLY Address XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address