davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been sent a pre-approved credit card application from XXXX XXXX, XXXX XXXX. XXXX, UT XXXXXXXXI am registered on XXXXXXXXI would like to know where Capital One got my credit information? And my name removed from Capital One contact list
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

EQUIFAX has my file split. Still. This is a pervasive, existing problem for many. Their IT Department can usually fix it, but their csr don't seem to know how to get the issues to them. This is causing me credit problems and mortgage delays.
Consumer complaint received 2020-10-09
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: Early Warning Services, LLC (MO)

In late XXXX I applied for a checking account with XXXX XXXX. They denied the opening of a new account based on a report provided by Early Warning Services and  directed me to the company website ( e.g. earlywarning.com ). 

The company HAS NO METHOD OF ACCESSING A CONSUMER REPORT ONLINE. They require a mailed letter XXXX it's XXXX-come on people ) with which I printed, filled out, and mailed in. I received notification that they were missing a form of identification which I promptly submitted via their web form ( with the original application id entered into the submission form ). 

I received an automated response that I must submit a form to receive my credit report -- what the XXXX I already did this?
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.
Consumer complaint received 2023-03-29
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: Credit Karma (OR)

In XXXX of last year I noticed my credit score dropped XXXX points for literally no reason on my Credit Karma, they never got back to any of my emails as I was trying to get it figured out as they supposedly don't deal with fraud over the phone. I'm not sure what the issue is, why my score dropped for no reason and if someone got into my account without my permission. XXXX points is a huge drop and will take years to get back up, my score was excellent on there and it dropped to fair, that's not okay at all but I checked on XXXX and my scores were normal, what they should be. Credit Karma as not taken any fault for this happening to my account, they need to fix the problem/figure out what happened.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OH)

I have had XXXX accounts attempted to be opened using my name/SSN/other information. All of the accounts were denied, but they showed up as inquiries on my credit report. No purchases were made as no accounts were successfully opened. I have contacted XXXX to report the fraudulent activity as well as the companies associated with the accounts to report them as fraudulent. Each company stated that they stopped the account/application from proceeding and marked it as stolen. I contacted each company on XX/XX/2023. Each company, along with the date the inquiry appeared on my credit report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, no accounts were opened and no funds were taken.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

This credit card shows as closed on my XXXX report when it is an open account. The account does not appear on either of my XXXX and XXXX reports. This is not an accurate representation of my credit report as they are reporting the account incorrectly on my XXXX report and not reporting it at all on either my XXXX or XXXX reports. 

I have called the company and always talk to someone foreign who put me on hold and never address this issue.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MO)

I have a Venmo credit card. My credit limit was $ XXXX.I have missed any payment and always paid above the requested amount. I went to use my card knowing I had enough available credit. I rarely used the card. The card was declined. I was shocked and embarrassed. So I called the credit card company, I was told they lowered my credit limit. I received no notification, no explanation, prior to them.lowering my limit. XXXX XXXX XXXX XXXX XXXX when they lowered my credit limit, my credit score dropped XXXX points. 
As I said I always made my payments, always paid more than the required amount. They told me they ran my credit and decided to lower my credit limit I had no idea they even ran my credit. As I said I was not i.formed of any of their actions against me.
Consumer complaint received 2022-08-25
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. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-11-26
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. (MI)

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX  ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every 35 days for SEVEN ( 7 ) months consistently. I have complained that about these collection companies with any help.
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (SC)

I have had this account since XX/XX/XXXX. I am 100 % on time and paying ahead. 
On XX/XX/XXXX, Lending Club cash an extra ( two day passed the regular payment being received ) payment with a memo " apply to principal only ''. However, the company took interest. On XX/XX/XXXX, I requested they correct their error. To date they have not and are accruing interest on an incorrect balance. 
Now, I am prepared to payoff the loan and have advise them of this ; they refuse fix the mistake and reverse interest accrued in error.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Syncapay, Inc (CA)

They buried information about the card expiring, putting it under a section in an email that says " If the link doesn't work ... '' then it lists reasons why ... one of which is it could expire. However, no one would read those steps to do if a link doesn't work ... .until the link doesn't work, at a point in time which the card has already expired. This is just a fraudulent vendor, trying to bury this information.
Consumer complaint received 2023-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IN)

On XX/XX/XXXX, I contact Ed Financial Services via email and requested my prior servicing history. From XXXX - XXXX, my loans were serviced by XXXX XXXX XXXX and were transferred to Ed Financial Services on XX/XX/XXXX. The email I received from Ed Financial on XX/XX/XXXX stated that they would send me my full payment history in XXXX XXXX days. I never received it. 

In XX/XX/XXXX, my loans were transferred from Ed Financial to XXXX. XXXX is unable to approve my public service loan forgiveness application because they are waiting on my payment history from XXXX - XXXX. Ed Financial Services has not provided them with this information. Ed Financial Services should have received this information when my loans were transferred to them in XX/XX/XXXX.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

I disconnected my XXXX internet service on XX/XX/XXXX. I have email confirmation of my cancellation of service on XX/XX/XXXX. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. The latest collections agency I C SYSTEM INC has now tried to validate the debt by providing a copy of an old bill dating service of XX/XX/XXXX through XX/XX/XXXX. A copy of an old bill does not qualify as adequate proof of a debt owed. My account with spectrum has been paid in full and is settled.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (KS)

Hunter Warfield failed to contact me after they received dispute letter with in the 30 days. I disputed the debt from a lease because the dates end date of the lease was before the start date of the lease. The lease we signed on XX/XX/2015 and it clearly said the lease started XX/XX/2015 and ended XX/XX/2015. There is an error in the way this lease was written by them and I 'm not at fault for their error. I feel they had a professional duty when creating this leases to be sure all the dates are listed correct. I also ask in my letter to them to notify me in writing by mail and email immediately when they have receive my letter. I only recieved the intial from them and was never mailed anything else about this debt.
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (FL)

In XXXX of XXXX I enrolled in classes at the XXXX XXXX XXXX XXXX XXXX Division. I took out student loans in order to get a XXXX. When discussing attending the school with the admissions advisor I was pressured to sign up as quickly as possible. I was offered a {$100.00} book voucher and waived application fee. I did not immediately cave in to the pressure, instead I took a couple of weeks to think things over and make sure I knew what I was getting into and making the right decision. 

Over those couple of weeks I was in contact with the admissions and financial aid advisors. I explained my financial situation ; married, XXXX XXXX XXXX, with a young child, a mortgage, lots of debt. I thought their job was to guide me through this process. I trusted them. I did n't know that I needed to mistrust everything they said as if they were a used car dealer. I told them I could only go back to school if I had no out of pocket expenses during the time I was attending school. Once I graduated and got a better job, then I could pay. But with my current bills and current low paying job there was no way I could afford anything out of pocket. 

I was assured I would pay nothing out of pocket. I enrolled. in late XXXX I began receiving bills for tuition. I sent the financial aid department many emails and placed many phone calls. All were ignored. It took months to get answers. Finally in XXXX XXXX I was told that I had hit the Federal Aggregate Loan Limit. That was my first time hearing that term. Apparently there was a limit to what could be borrowed, meaning that the initial advisors in XXXX were not truthful with me. I was told at this point that I would need to pay out of pocket or get personal loans. I attempted to get personal loans to finish the degree that I was about XXXX of the way through. I was denied by every bank I tried because I had too much student loan debt. I was forced to withdraw. 

I would 've never enrolled in the school had I known this information up front. Now I owe {$70000.00} for a degree I could n't even finish and I will never be able to pay that back. Due to this situation, I ended up with XXXX and was hospitalized twice, once for 1 day and another time for 3 days, due to severe anxiety attacks. I had to go on anti-depressants so I could function on a day to day basis. All because the XXXX XXXX lied to me to get me to enroll. I have {$70000.00} in student loan debt and have run up credit cards paying for the hospital stays, doctor visits, and prescriptions. I am so much worse off than I was before enrolling in college. 

I thought I was making a good choice for my life by choosing to go back to college. Now I see it as the worst decision of my life. I ruined my life. They ruined my life. So much for the American Dream. I have no faith in our government any more since it seems that the XXXX is complicit in allowing for-profit schools like XXXX XXXX and others to prey on students like me and use us to steal our Federal aid dollars.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights & XXXX XXXX Account # XXXX has violated my rights XXXX 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 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-08-07
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (PA)

The company never credited my account for cashback earned in XX/XX/XXXX. They offered a debit card that earned 1 % cashback on purchases. I made five purchases, each totaling {$5000.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these purchases indicated on my account as earning {$50.00} in cashback. This cashback, totaling {$250.00} was never paid to my account in XX/XX/XXXX or XX/XX/XXXX. Upgrade then closed my accounts in XX/XX/XXXX.
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

I was in the process of completing my home purchase through Newrez LLC I had closing date of XX/XX/2022. On XXXX XXXX Newrez fired their entire XXXX office in the middle of processing. My loan was being processed using down payment assistance programs and Newrez had one person in their XXXX office that processed these loans and he was terminated with the rest of the office. They have no one that is certified to complete this process and I am now going to loose the house I was in the process of purchasing. I have no recourse, they will not return phone calls they are giving me the run around and I will be homeless in 3 weeks. The loan officer XXXX XXXX, has been willing to complete the process but they have no clue what they are doing or who is even doing what. There are 100 's of other clients that are in the same process. They were literally awaiting paperwork to cut a check. Someone needs to complete the process of my home loan and to stop giving myself and everyone else in this process the run around.
Consumer complaint received 2020-10-09
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. (FL)

I am currently disputing a negative mark with Equifax for a closed XXXX credit card. the original dispute was over a missed payment in XXXX of 2020. During the investigation process, Equifax corrected the mistake on the payment history but left the comment that first 30 day delinquency was XX/XX/2020. In addition, they then marked my account as having a missed payment in XX/XX/2020! This account was closed in XX/XX/2020. How can I possibly have a missed payment 5 months after an account is closed? .. How can you mark me as having a 30 day late payment on a closed account???!! and it clearly show in the payment history calendar there was no missed payment in XXXX yet the date of first delinquency is still listed as XXXX? do they even inspect what they are putting on someone credit for accuracy?? Stop marking payments as missed for the month an investigation is being conducted. every time i dispute a mistake, it is made worse by the investigation process.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.
Consumer complaint received 2023-02-28
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. (GA)

Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. XXXX as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I XXXX XXXX paid a merchant to provide hair services on XX/XX/22 in the amount of {$80.00} deposit fee. Services were never rendered. Her phone number is XXXX. Her address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX la.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes