davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MI)

XXXX XXXX XXXX XXXX XXXX ( Costco ) Reward earned over {$100.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$170.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$200.00} All three cards by Citi were canceled on XX/XX/XXXX without any warning. We were told that we would loose all the reward $ $ that we had already earned based on our purchases. It amounts to over {$470.00} as broken down above. How can Citi take away our reward $ $ that we had already earned. 

I wrote to them but their response was the same - - - stating that it was in the contract. Well it is an unfair contract and it must be in the fine print that the consumer never sees. 

XXXX XXXX
Consumer complaint received 2022-09-27
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. (NC)

this is not a duplicate. This is an identity theft dispute. I am submitting to you in attachment 's that report was filed with Equifax and XXXX and still thus far have not removed these disputed hard inquires from my credit report ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... credit score, and come chilinquires listed in the report that i submitted three times thus far along with identity theft doucments.
Consumer complaint received 2022-09-27
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: World Acceptance Corporation (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I recieved defective vouchers from XXXX. I called raise immediately. I filed a dispute with Citi soon thereafter. 

Citi refused to further help me. They denied my claim saying I had not contacted Raise in time and had to resolve the issue with Raise. This is incorrect.
Consumer complaint received 2018-05-21
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. (OH)

XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.
Consumer complaint received 2022-08-22
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: The Bureaus, Inc. (PA)

In accordance with a fair credit reporting act [ XXXX # XXXX, THE BUREAUS # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IN)

I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Texas Guaranteed (TX)

TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc. (IL)

I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (GA)

I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history
Consumer complaint received 2021-06-08
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

After trying to get a Mortgage Modification since XXXX. On XXXX XXXX, XXXX I received a " XXXX Modification '', with the new principal balance of my note to be {$270000.00}. With a interest rate of 3.5 %. I am to pay this note for 19 years with a final balloon payment of {$180000.00}. Due and payable on the new maturity date. I also must have my signature notarized, and return the documents to Chase Bank by XXXX XXXX, XXXX, or I would no longer be eligible for this modification. My XXXX XXXX, XXXX Loan Overview, from Chase Bank, shows my Original Principal Balance to be {$170000.00}. My Unpaid Principal Balance of {$180000.00} At a interest rate of 7.36500 %. My Escrow Balance ( {$20000.00} ) My Unapplied Balance {$940.00}. And XXXX XXXX Balance of {$9100.00}. ( Minus my Unapplied Balance of {$940.00} ). This total is {$210000.00}. 
This " modification '' puts me in worst shape than I started out. It does not make my " XXXX XXXX ''. In the modification documents, Chase Bank does not state, why my Principal Balance was increased, by {$69000.00}. The web-site XXXX, shows my home to be worth, {$210000.00}. 
This " modification '' puts me upside-down, in the housing market. With no chance of refinancing to a VA loan for which I am eligible. Also I expect my home-owners insurance to increase substantially, due to the substantial increase of my new Principal Balance. 
How can this be a " XXXX XXXX Modification ''.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase allowed my ex-wife on multiple occasions to change terms on my note without my authorization or approval. I informed Chase formally in the Bank and on the phone through Auto that she had my social security number and other identifying information and I wanted her and her contact information specifically, restricted from my account. This was not done and I have been financially harmed. When I spoke with the bank today, I was not asked my verbal security password and was able to access my account without it. I am horrified by what has happened and extremely upset.
Consumer complaint received 2018-05-21
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. (IL)

Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence.
Consumer complaint received 2018-05-21
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: DISCOVER BANK (CA)

Around XX/XX/XXXX my cellphone wallet was lost including my ID, Bank card and possibly my Discover credit card. I was unaware that my discover credit card was in my wallet because I never use it. On XX/XX/XXXX I saw my statement with a high balance and I called Discover and reported my account had charges that I had not made. The account was closed and a new card was mailed out. I received a letter on XXXX stating that the investigation was closed. A month later I received a strange phone call from someone who said they worked at Discover and insinuating that i used the card by asking how would someone know what my credit limit was and how could they use the card and stop at my credit limit. Also caller stated he wanted a copy of my drivers license and a police report. I was on the freeway at the time and could not speak to the caller and ask to be called back later and given an email address and fax number so I could send information requested. I send a copy of requested information but the caller never called back. In XX/XX/XXXX all of the fraudulent charges were added back to my account.
Consumer complaint received 2019-03-28
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. (AZ)

On XX/XX/2018 I received a fraudulent inquiry on my Equifax credit report titled XXXX/XXXX. I called the XXXX XXXX that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to Equifax to remove the inquiry. After 2-3 months of no change to my credit file, I called XXXX  XXXX once again. They created and fraud case and requested that Equifax remove the inquiry. No change once again. I called Equifax numerous times and they consistently advise that I need to contact lender. I faxed Equifax a police report, FTC affidavit, copy of letters the XXXX XXXX sent to Equifax, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX  XXXX/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/XXXX. I constantly called Equifax and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NV)

On XX/XX/XXXX, contacted Mr. Cooper to speak with an agent regarding how they can help me and my husband with our loan. I think we were about 1 month behind on our loan at that time. She explained to me all the options available, but told me that they would put us on the forbearance program from XX/XX/XXXX to XX/XX/XXXX, and that I was to check in and let them know if anything changes in our present status. On XX/XX/XXXX, we were approved for forbearance. On XX/XX/XXXX, I checked in to let them know our status had not changed and could not afford the high payments and interest because we had moved out of town in XXXX of XXXX. We paid our payments up until around XXXX of XXXX. Because of renter, repair, and maintenance, loss of income, it put a strain on our mortgage in our new town. I told her that we are considering initiating a Deed In Lieu of Foreclosure. I was told that she would send me a Statement of XXXX, to fill it out and fax back to them and to make another login for the Deed In Lieu account. On XXXX, we filled the form out and attached a copy of our drivers licenses, and faxed all to Mr. Cooper. We never heard from them about the appraisal the agent told me they would have to make on the property to see if it qualified. We started receiving mail from a XXXX XXXX. We hadn't heard from Mr. Cooper, so I didn't open the mail at that time. I just kept it in the file. Our mortgage insurance company for the property called on XX/XX/XXXX at around XXXX am to inform us that someone was trying to calling to change the name on our property insurance and they wanted to see if we had allowed it. We didn't know what was going on so the agent said she wouldn't do anything until she hears from us. When I got to read the mail that was sent in from XXXX  The agent said that I wasn't authorized to talk to them. I'd have to send another authorization for them to talk to me. I tried to email them but I didnt have the correct one. Tried to call them back but no response.
Consumer complaint received 2022-08-22
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)

I ordered a copy of my report from XXXX on XX/XX/XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX, as I believe these accounts are reporting in error.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (TX)

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FRESNO CREDIT BUREAU (TX)

I had billing disputed with an original service provider ( XXXX ). They billed me incorrectly for a service ( either by poor oversight or fraud ). I called them 6 times in the last 12 months to resolve the billing error. They never replied and instead sent the debt to XXXX XXXX XXXX. XXXX XXXX never notified me about the outstanding claim of debt. They reported the collection debt against my credit violating the Fair Debt Collection Act section 8a. I was given no ability to resolve the claim and only found out when my credit was run and saw the notation. Consequently neither XXXX XXXX or XXXX XXXX have made any effort to resolve the dispute despite me making every good faith effort to resolve the billing with them.
Consumer complaint received 2022-08-22
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. 
I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX   bill of {$1400.00}. 
So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX  due to the same issue.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IL)

For the last couple years this company submitted claims to credit companies, and it has been removed because it doesn't not belong to me and i have no knowledge of this. My credit report has lost major points for something that doesn't belong to me.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Tried to find out why my credit report from Equifax called in on XXXX has not been sent as of XXXX. I called them but was not able to understand the person who had a lot of background noise and a heavy accent. Would not identify where they were located.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/2018, my insurance company paid {$120.00} to the creditor, XXXX XXXX XXXX. The result amount owed was {$30.00}, and I would be liable for absolutely no more than that as stated in the insurance company claim. However, on XX/XX/2018, XXXX XXXX, the collection agency, wrote in my credit report that I owed a sum of {$390.00} to XXXX XXXX XXXX. This is illegal under the Fair Credit Reporting Act, and they should be held accountable for this.
Consumer complaint received 2022-09-27
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: Revco Management, LLC (CT)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose