davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a loan with XXXX XXXX XXXX. 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 and Transunion and XXXX XXXX XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (SC)

I graduated in XXXX. They gave 12 months after graduation before repayment began. Before the 1st payment was due I contacted Sallie Mae to see if I could receive forbearance or deferment due to not working and not being able to afford tye current monthly payment of {$570.00} Which was due XX/XX/XXXX. I was informed nothing could be done except to apply for my payment to be lowered based off of my income in which I did on XX/XX/XXXX. My payments were lowered to {$350.00} of which I could not afford so I asked if any other options were available. I was informed that I can find a company willing to purchase or consolidate my loan, go back to school, borrow from friends and family or ask my cosigner to cover the amount until I am able to cover it and pay my cosigner back. Due to the pandemic my cosigner is unable to help. I am currently past due {$1300.00} since the 1st payment due date in XXXX. Although I'm currently searching for employment since graduation I have no relief from my loan servicer. I call weekly to keep them updated with my financial status, and I always ask is there anything else to be done that can help refrain from default but unfortunately there is no relief and every call made I am told to borrow more money from family and cosigner. With the pandemic still in effect I Dont understand why there is no other relief available to borrowers. The payment amounts are easy to cause default especially to someone like myself who in unwillingly unemployed for the time being. I tried to navigate the site for help with difficulty making payments but was directed to calling my servicer for help which was already done atleast once weekly/biweekly, and information on filing chapter XX/XX/XXXX & XX/XX/XXXX bankruptcy and what will happen if your account becomes delinquent or defaults.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NV)

Im coming forward today today to state how this company have purposely created and formed deceptive forms and reported false and inaccurate information on my consumer report with out proper validation I have listed all the laws Credence have violated I want action behind this as I have been embarrassed by the forms they have furnished and placed on my consumer report
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

Good afternoon, My concern is with how checks still showcase the entire account number, routing and customer information. I have worked in the XXXX XXXX for over XXXX and understand the importance of redacting customer information yet our checks still showcase all customer information. 

I believe this needs to change and be brought up to speed with other regulations related to customer privacy and information security. 

Thank you.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX between XXXX and XXXX EST I was selling an item on XXXX XXXX XXXX and this buyer reached out to me that he wants to buy my item. 
I did sell an item before and it went smooth. Hence I trusted this buyer too. He has asked me for my XXXX email and he said hes gon na transfer the amount. Once he transfers the amount, I get an email from XXXX saying xxxx amount has been put on hold as this is not a business amount and deposit of {$500.00} has to be made to XXXX ( buyer ). 

I was suspecting the email, but it did not occur to me that its a fraud. Hence I make a {$500.00} payment and another email comes up asking to make another {$500.00} payment in order for the buyers funds to be released in my account. And the buyer shares two other email ids to send the amount to. 

I immediately called my bank and XXXX and they have mentioned the refund can not be made since I have authorized the payment. I request you to kindly consider the case and do the needful.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (CA)

AAMS ACCOUNT NUMBER XXXX BALANCE IS {$4700.00} THIS COMPANY IS VIOLATING THE HIPPA ACT, SO I WILL SUE IF THEY DO NOT REMOVE IT FROM CREDIT REPORT.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (GA)

I call stated when I looked at the account they said they closed it, but they still went back and charge me late fee six months after it was closed, then turned around and gave me extra fees. I didnt know about I knew I owed it one amount, but not trying to give me an option to resolve this issue. I call to resolve it to do a settlement they would not take it because they added all those late fees on there.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MD)

Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : I C Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXXXXXX XXXX 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XXXX XXXX The supposed collections debt to XXXX was started several years before I first subscribed to XXXX  as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

I have never had a credit late, payment late, or a collection, perfect payment history, my score is about XXXX for all XXXX  scores. After paying down my card with a XXXX payment to Citibank, a few weeks later Citibank dropped my limit to over and over maxed out the amount of what I owed. Dramatically lowering my credit scores for NO reason. My Credit limit was XXXX.now it is XXXX ( Immediately I locked my Citibank Card ) After making the payment my balance was XXXX total. Citibank doubled my payment amount which was 67 % annual rate. Absolutely illegal and usury. I reached out to Citibank at least 6 times for a reason and they could not give me any reason. My credit is excellent. I also asked them why the payment was so high and that the interest rate was usury. After numerous attempt, including today being on hold over 1 and a half hours, was hung up on. My compliant in the payment and the rate, my card balance is now XXXX and my payment is XXXX per month ( Interest ONLY ) that is 67 % interest annually. This is Fraud and Usury.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmeriCash Holding LLC (IL)

Sail Loans I took out the loan XX/XX/2024. 
I requested {$400.00} and got {$400.00}. They want me to pay {$1200.00} to payoff. 
I want to pay off the {$400.00} that they gave me.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

NFCU refuses to grant a loan of any kind to this XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Veteran, especially when this XXXX has qualified on several occasions for a VA Home Loan. NFCU refuses to reimburse all of the current Fraudulent NSF fees applied to this XXXX NCFU account XXXX when this XXXX has a receipt that a deposit was made to cover checks written to this account ; as well as reimburse this XXXX for {$2.00}, XXXX Fraudulently stolen from this XXXX Savings account XX/XX/2017 and put back in this XXXX Account
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

To Whom this will concern XXXX XXXX XXXX  -present time Chase Bank Chase bank is my mortgage holder and when I call customer service, they requested that I open a checking account to pay my mortgage. I have been paying via my saving account for the last 5 years without a problem. They sent me emails that I am4 month in arrears and I am in foreclosure They said should go to a branch and make extra payments in addition to my monthly electronic withdrawal. ( On my mortgage ). ( See attached ). My original loan amount was {$160000.00} in XXXX  I have documents proof that I already paid {$550000.00}. Because over the years I made 2 huge payments of {$50000.00} once in XXXX and {$50000.00} XXXX TO PAY DOWN THE PRINCPLE OF MY MORTGAGE but there is no evidence of these huge payments.. I was told the XXXX branch that I could not buy down my principle??? but the more questioned and complained I was given more court judgments. To pay. I made {$17000.00} in XXXX that was to pay down on my principle, but they applied it to my interested to pay off all these fraudulent judgments '. Chase bank has been calling me 3 times a week to since XXXX ( sounding very unprofessional ) to refinance my mortgage to avoid foreclosure. My house should have been paid off 10 yrs. ago but I am constantly receiving bogus judgements that is added onto my principle. ( See attached ) I have a judgment that belongs to my ex-husband that is 10 yrs. old, and I have been divorced XXXX. 
To XXXX XXXX ` XXXX XXXX XXXX XXXXXXXX Fraudulent Loan amount form Chase. 

Please see attached documents. I financed my original loan with XXXX XXXX XXXX in XXXX for {$120.00}, XXXX NOW I still owe {$120000.00} I GOING TO LET THE NEWS MEDIA BE THE JUDGE OF THIS OURRAGOUS FRUDNET MORTGAGE LOAN FROM CHASE. THEY OWE ME {$510000.00} and for ruining my credit for 25 years. YOU HAVE TO WOONDER HOWMANY PEOPLE THAT THEY HAVE ROBBED LIKE THIS. 
I have documented proof AND NUMBERS DO NOT LIE PEOPLE LIE. ITS NOT WHAT YOU KNOW BUT WHAT YOU CAN PROVE. 
Thank you for your time and consideration.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I have set up an account with www.equifax.com to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the XXXX XXXX, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

I havent been able to use the PayPal debit card for over 2 months I get my direct deposit into that account it always decline and PayPal says its an internal problem and they dont have no time frame to get it fixed, every time I attempt to transfer money to my other regular account it denied only few times allow me to transfer and block me access to my funds for days I have been charged unnecessary fee for transfers I should be able to use the debit card and I believe PayPal its keeping it blocked so they can keep charging me all transfer fees and they wont even let me withdraw the entire amount so I have to keep doing transfers once a week as permitted I even attempted to transfer XXXX  dollar to my regular checking account non PayPal an it was never received but PayPal did took the money off from my account
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me an email to open everyday checking account with the promotional bonus. When i followed that email and tried to open the account then the application was denied. Why in the first place Wells fargo send an email like this if they have to deny my application?
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MN)

I recently discovered that US Bank has been reducing my rewards on my XXXX XXXX XXXX XXXX XXXX Card ending in XXXX without out notice of any kind that they were reducing my rewards. In 2023 they reduced by rewards from XXXX to XXXX. The statements have no information on the reduction or warning of further reductions. This likely amounts to XXXX  of dollars for customers.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (UT)

My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (CT)

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 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Disputes with : XXXX XXXX - Equifax # XXXX - XXXX XXXX and XXXX XXXX # XXXX. I 'd submitted complaints and disputes to all of them because it was irresponsible and no reason to XXXX XXXX to report me as " Consumer Deceased ''. It has caused me a lot of undescriptable headaches with possible and/or current creditors. The only thing that I got from my communications with every Credit Report Agency is that some of the has restored the credit score that went down to XXXX point. Still missing credit score with Equifax and XXXX because Equifax has not reported yet to XXXX XXXX and for XXXX I have to pay. I 'm alive and in good health except for issues due to my age. As a matter of fact, I talked to XXXX XXXX customer service agent XXXX, and he supposedly transfer me to a supervisor but the person never answer the call and it was dropped. I called again in english and the english speaking agent transfer me to XXXX who never answer. I decided not to continue calling. The XXXX XXXX account number is XXXX. My credit report with Equifax and XXXX still says " Consumer Deceased '' even though I talked to them and said, listen to me, I 'm alive, make the correction now. If, be the end of the week such information is not corrected, I 'll be contacting a lawyer. and take the necessary measures to resolve this in another way and/or place. I apologize if I sound rude but you can imagine how I feel. Somebody will pay for this horrible mistake. Thank you.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA. XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Date RE : Case Number XXXX ( XXXX ) To Whom It May Concern, I am writing to dispute the information on my LexisNexis consumer report dated XX/XX/2024 I have enclosed a copy of the report with the disputed items highlighted. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any information that I dispute and correct or delete any inaccurate, incomplete, or unverifiable information. 

The following information on my report is inaccurate and should be removed or corrected : - Invalid court name : The report lists a court name that does not exist or does not match the official records. The correct court name is United States Bankruptcy XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX - XXXX XXXX XXXX : The report claims that the information was obtained from the XXXX XXXX XXXX, which is not a source of consumer or credit reports. The XXXX XXXX XXXX is a service that provides online access to federal court records for a fee. It does not contact or furnish any reports to consumer reporting agencies or credit reporting agencies. 

Therefore, the information from the XXXX XXXX XXXX is not reliable or verifiable. 
- Copy of the petition : The report does not provide the name or contact information of the company that filed the petition against me. This is a violation of the FCRA, which requires you to disclose the source of the information. I request that you provide me with the name, address, and phone number of the company of the petition as soon as possible. 

- Failure to verify, correct, or remove the account : The report shows that I have an account that I do not recognize or that does not belong to me. 

I have never authorized or consented to this account being reported on my credit file. 

You have failed to verify, correct, or remove this account from my report, despite my previous dispute. This is a violation of the FCRA, which requires you to promptly delete or modify any information that is found to be inaccurate, incomplete, or unverifiable. 


- Non-compliance of inaccurate information : The report contains information that is outdated, misleading, or irrelevant to my creditworthiness. 

I request that you conduct a thorough reinvestigation of the disputed items and provide me with the results and findings within 30 days of receiving this letter. 

I also request that you send me an updated copy of my consumer report with the disputed items removed or corrected. If you fail to comply with my request, I reserve the right to take legal action against you under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (MI)

This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.