davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Merchant credit is being reported on a monthly basis even though it has been claimed in a Chapter XXXX bankruptcy, on my credit report it has been reported each month as a current open past due, unpaid account, this is incorrect especially since this account was discharged in Chapter XXXX bankruptcy, it is still included on credit report as unpaid as of XX/XX/XXXX. I have repeatedly sent certified letters asking for my credit report to reflect the correct information, I 'm a single mother trying to correct my credit, they still try to include incorrect infomation
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I am trying to place a security freeze on my Experian credit report, but their web interface for doing this is not functional ( has not been for months ), and the site just retuns a message citing technical problems and provides no other way to get in touch with them, so effectively, a person can not initiate a credit freeze through Experian ( at lease not through their web interface and they do n't provide a phone number as an alternate ). Because they are unable to provide this functionality ( I was easily able to accomplish the freezes on my XXXX and XXXX reports ), they, in my opinion, are in violation of FCRA.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.
Consumer complaint received 2015-08-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

While in XXXX, a gas station attendant stole my credit card and fraudulently charged to it. I immediately disputed the charges with Barclaycard. Barclaycard sent me a letter saying that they investigated the transaction and their research indicated the transaction was valid. The letter says that the results of their investigation were enclosed with the letter, but nothing was enclosed. I called to resolve the dispute and spent over 1 hour on the phone, mostly on hold being bounced between departments because Barclaycard could not figure out whether this was fraud or not. I still have not received resolution on this matter. Is their strategy to make customers hold for so long that they eventually give up?
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I was making my monthly payments on my private student loan XXXX XXXX ( Navient ), however come XX/XX/XXXX I lost my full-time job and was n't able to make payments. XXXX XXXX ( Navient ) was made aware of my financial hardship but told me I do n't meet the requirement for any programs including the *financial hardship program*. So of the XXXX private loans I had I used my unemployment money to at least pay the loan with the co signer ; I stop paying when my unemployment ran out in XX/XX/XXXX. It has been roughly 185 days since my last payment with this loan but they sent it off as defaulted. I called the XXXX XXXX customer service and lady told me that my loan was in default for being over 210 days late, I then told her that, the loan I 'm speaking of was only maybe 190 days. She tells me when I was making payments on that loan I was still late so they added up days I was paying into not paid. She also told me which really hurt was that I did n't qualify for any hardship programs when I called them in XXXX and XXXX when I was still unemployed and looking for a job to see how can I make arrangements but I could have probably qualified which the guy I spoke to in XXXX clearly told me to call back when my financial situation change.
Consumer complaint received 2021-08-04
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXXXXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

The promissory notes for my private loans were stolen out of my home. I have been trying to obtain copies of the promissory notes from my student loan servicer. I had XXXX XXXX Loans ( XXXX ), but my loan servicer has provided a copy of the promissory note for only XXXX XXXX loan. I have asked for a copy of the XXXX loan, and I received a form letter that said, " enclosed in the information you requested, '' except the missing promissory note for the XXXX XXXX loan was not enclosed. I have been requesting copies of the promissory notes on all my loans from the loan servicer since XX/XX/2015.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.
Consumer complaint received 2017-02-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.
Consumer complaint received 2022-12-14
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: U.S. BANCORP (WA)

I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report 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 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

On or around XXXX XXXX, my XXXX XXXX was taken over by Navient & my due date was changed with no notice. I began paying my student loans monthly through Navient ( I have never missed a payment since I started paying approximately the XX/XX/XXXX ). Although making payments in a timely manner, I noticed it continuously said late & they were charging me late fees. I did call & spoke to a customer service representative who confirmed I was making my payments. Around XXXX XXXX I submitted a payment ; however, my account said delinquent. When I called they were extremely rude and explained I had been overpaying on XXXX loan and failed to pay on the XXXX loan. I had originally consolidated my XXXX with my private loan through XXXX XXXX so supposedly they had put my payment towards XXXX and not the other. My credit score had subsequently dropped in 2-3 months from an XXXX to around a XXXX with a delinquency on my credit report. I have been working hard to raise my credit score since and according to my credit report I range anywhere between a XXXX and XXXX now. I had made numerous complaints through Navient and was told by their customer service reps : " too bad. '' Since then, I have consolidated my federal loan through XXXX to receive loan forgiveness as a government worker and also to get XXXX loan out from under Navient ; however, my private loan is still through them.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (KY)

My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

I tried to contact Navient, the company which is handling my student loans. I am in the process of applying for loan forgiveness based on XXXX, and have been continually harassed for payments which i can not afford to make while in that process. I tried to call the company to find out why i am still being asked for payments, and what i need to do, but could not get past their automated answering system which refused to transfer me to a representative and then hung up on me.
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VNU Group, LLC (NC)

I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my account.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Total Card, Inc. (CA)

Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc (CA)

My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AL)

From XX/XX/XXXX thru XX/XX/2016, I because a victim of predatory lending practices by my home mortgage company : CitiMortgage Special Loans XXXX XXXX with a rate increase of 10.24 %
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (UT)

When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NV)

I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree XXXX XXXX servicing XXXX of my mortgage account number has been recently sold XXXX, I have a statement of my mortgage paymnet due of XXXX under a loan modification agreement and now i am getting harrassing calls XXXX that payment due is {$2100.00}. and that i will incur damaging credit and a collection record. I have not received anything in writing of this taking place, i understand that Green Tree is paying a XXXX dollar fine for doing exactly what XXXX is starting to do now and would like assistance as to what my options are.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

After starting a refinance application with Quicken [ Id. XXXX ] I decided not to continue with them and notified them to that effect on XX/XX/XXXX requesting that they send me a copy of the appraisal for which I had already paid and terminate my application. They have so far not done this. They chose to harass me with repeated phone calls so I eventually blocked their numbers ; they mis-transcribed my email address and then claimed I was using wrong address so they could n't deal with me. Eventually I told them either send me the report or return my money by end of XX/XX/XXXX or I would make a complaint, which I am doing.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (SC)

They will not let me access my account without jumping hoops I want them to fix it or take their app down they made get it now I want it fixed or took down as soon as possible every other credit card fixies promblems they do nothing but tell that dept is not open and they tell you there hours I 'm sick of them can I see a lawyer
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc. (CA)

XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (NJ)

Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently looked at my credit report XXXX notice that there was incorrect info reporting. Two companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to XXXX and Equifax explaining this!
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2016 I filed a dispute with Equifax regarding a hard hit inquiry by XXXX XXXX. I have never received a response by Equifax with the results if the investigation providing me proof that I authorized this inquiry. Equifax is in violation of the Fair Reporting Act time allowed to provide the consumer an answer regarding their dispute. 
CFPB CASE # XXXX