davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!
Consumer complaint received 2022-02-04
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. (IL)

I have new information pertaining to a complaint I submitted to Equifax on XX/XX/2022. They responded to my complaint on XX/XX/2022 and their response is another violation. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ), this elaborate mechanism continues to give me generic and automated responses. They need to conduct their own investigation about my issue pursuant to 15 U.S.C 1681i ( a ) ( 4 ). I have a right to a reasonable investigation from Equifax. Also, pursuant to 15 U.S.C 1681i ( a ) ( 5 ) ( C ), Equifax needs to make sure that this unfair and inaccurate reporting shall not show up on my report again. This issue lies directly with XXXX XXXX  and XXXX XXXX  because they continue to report a balance that I am not obligated to pay and Equifax continues to leave this negative information on my consumer report when pursuant to the FCRA they need to follow my directions.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Experian put a fraud notice on my credit report Ive tried for over 1 month to get it deleted! 
Experian make it so difficult to delete this unwanted message. The website never work when it comes to uploading documents! 
This unfair practice is put in place to force their brand and services on you! I deleted the fraud notice with the other 2 credit reporting agencies with no problem! Experian has cause me unnecessary problems with this unwanted reporting! Is there a way to launch a class act lawsuit? Im sure you get this complaint a lot!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After recent review of my Credit Report for " TransUnion '' I found that there were numerous Hard Inquiries on my report that I have no knowledge of, nor did I authorize. I contacted TransUnion via telephonically and was told that I had to file a theft report and submit that. Thus I have filed that report to go along with this filing. To wit, these are the Inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
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: EQUIFAX, INC. (CA)

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX  or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it.

4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Per the law Student Loans may not be discharged during Bankruptcy. In 2009 my wife XXXX and I filed Chapter XXXX. We had to exclude our student loan from the case. Our loan at the time was with Sallie Mae, then Navient. During the 5 years of our chapter XXXX, our trustee made payments to XXXX. The total was over {$13000.00}, which would equal the 5 years of payments. 

Per the Waiver, these payments for PSLF will not count because the account states Forbearance/BK. 

I received my Navient Billing progress. Navient, continued to collect interest on my loan during the entire 5 years of our Chapter XXXX, Navient did not apply any of the payments made to XXXX. 

As. of today those payments have not been applied, instead, Navient charged fees each month, capitalized interest, charged late fees, applied transfer fees. 

These payments need to be counted for PSLF because they were made and would give me my 120 payments needed.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Tidalwave Finance Corporation (CA)

I purchased a used car in a used car dealership as is. I was aproved for a loan from tidalwave finance corp for the ammount of {$8500.00} plus interest. My first payment was on XX/XX/2019 for the amount of {$310.00}. ever since then ive made my payments on time if not in advance. 3 payments were rejected by the bank the month and date of XX/XX/2019 do to use of a debit card from another family member, Other then that my monthly payments have been in full and on time. I contacted TIDALWAVE FINANCE CORP a few moths after my loan was approved and asked why my loan did NOT show  in my credit history and i was told that they made the reports once i was done paying my entire loan. I accepted the answer at the time but i looked into credit reporting for more info and realized my loan should have been reported to the 3 credit bureaos since the account was opened. Im now wondering if my auto loan should have been reported or if it ever will be. I would like for the report to show in my credit along with my payment history and my pending balance. SHOULD I WAIT AND SEE IF IT SHOWS WHEN IM DONE PAYING THE LOAN? WHAT IF THEY NEVER REPORT MY LOAN OR PAYMENT HISTORY TO THE CREDIT BUREAU. THERE HAVE BEEN NO UPDATES IN MY CREDIT HISTORY SINCE THE LOAN WAS APPROVED.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (MA)

There is a 30 late payment on XXXX 2014 on my credit report from XXXX  XXXX XXXX . Makes 7yrs should not be on credit report
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-01-26
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. (TX)

Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX  XXXX EquifaxXXXX-XXXX XXXX EquifaxXXXX XXXX EquifaxXXXX-XX/XX/2020EquifaxXXXX XXXX XXXX  XXXX  XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (MA)

I have a credit card with Elan Cardmember Service, today I discovered an excessive interest charged of {$60.00}. This is more thatn any other charges from other compaines. I attempted to resolve with a representative of Elan and what I experienced was a very nasty and unprofessional person. I have attached XXXX billing and ask that this be resolved. See attached.
Consumer complaint received 2020-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

I submitted an application verifying my employment on XXXX XXXX, 2020. I received a response from FedLoan on XXXX XXXX, 2020 informing me that the form was missing required information. I reviewed the form that I provided to FedLoan, and it has the required information. ( FedLoan has a feature where the customer can review previous file uploads. ) I've since resubmitted the form, but I'd like to ensure that the form is properly reviewed.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

On multiple occasions I have received phone calls and emails with XXXX XXXX private information. Including name address, and balances owed and banking information. I have requested multiple times to stop calling and emailing me as I am obviously not her but they argue and refuse. They even refused to remove my email address because I dont know XXXX a full account information. I have been told just to pay it and theyll stop This violates so many privacy laws. And is harassment to someone who never used or had an account with them.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

On XXXX Chime locked me out of my account due to suspicious activities. They swnt me an email requesting i send the front and back of my driver 's license and a piece of mail verifing my address. I sent them everything they requested and then they sent me another email requesting a w9 form and a new form of id. My drivers license is up to date. I have done plenty to prove my identity and my account is still locked.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

1. On approximately XX/XX/2020, Complainant owed Citi Card {$4400.00}. Exhibit " A ''. 2. On approximately XX/XX/2020, XXXX paid Citi XXXX $ XXXX " B ''. 3. Leaving a current balance of {$2400.00}. Exhibits " A '' - '' B ''. 4. Total end activity between XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 5. Ending with a last statement balance of {$2800.00}. Exhibits " A '' - '' B ''. 6. Citi card felt the need to state falsely that a last statement balance : {$3300.00}. Exhibit " C ''. 7. Citi card added the total XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 8. Citi card falsely cooked the books, to reflect that the Complainant now owed {$3700.00}. Ex. " C ''. 9. When in reality the Complainant only owe {$2800.00}. Exhibits " A '' - '' B ''. 
Citi has fail at all times herein, to directly address the issues, but talks around said issue.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion keeps on readding a debt collection that is a result of identity theft that doesn't belong to me. The Debt Collection agency reached out in which the debt collection has been removed from my other XXXX  bureaus however, transunion keeps playing with my credit report by re-adding this debt when it was the collection company themselves that had removed it from all 3 bureaus. Attached I will include the statement from the debt collection agency after an investigation reliving me off this debt. I need transunion to stop these illegal actions with my credit report or I will end up suing.
Consumer complaint received 2022-02-04
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (FL)

Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-08-19
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.