davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Macy 's has been unable to resolve an issue of wrong charges posted to my account and has been adding late payment fee on top of the charges posted incorrectly to my account. I have called Macy 's customer service multiple times as recent as on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, ID # XXXX and on XX/XX/XXXX, I spoke with an associate with ID # XXXX. Both associated acknowledged that the fault is at Macy 's end and they will put in a recommendation to fix the issue. No action has been taken so far and I keep receiving bills with even a higher amount due to added late payment fee. 
I started this discussion with Macy 's team in XXXX of XXXX and even had my lawyer speak to Macy 's. All discussions for almost an year have not led to resolution. I am sure that this is impacting my credit score. I would like Macy 's to take responsibility and fix the issue at their end. I would also like Macy 's to correct the information so my credit score is not impacted by their mistake. 
I would never every purchase anything at Macy 's and encourage others to do the same. A firm which can not resolve a billing dispute in almost an year does not deserve customer loyalty.
Consumer complaint received 2017-10-25
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: Premium Credit Bureau (PA)

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : Premium Credit Bureau XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my XXXX attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

i called to dispute some transactions on XX/XX/XXXX XXXX 2020 for my us relia bank card they sent me a new card but put a fraud lock on it, i have faxed documentation over twice and they have not reviwed it ts been almost 4 weeks and i still cant access my card
Consumer complaint received 2020-10-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.
Consumer complaint received 2017-10-25
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. (OH)

On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I came in to the branch on Tuesday and opened an account. The process was fairly fast and easy and everyone was very nice. I even met the branch manager and was told that I can setup my direct deposit and any automatic transfers since the account was fully opened and I had nothing to worry about. I went home and made a transfer to my new account via XXXX  and everything was fine. I go to check my account via the mobile app today which is now Thursday and I got a message saying it was restricted. I was so confused as to why since I didn't do anything for that to happen. I called the bank and the manager told me he doesn't know why and to call customer service as it's pending closure. I started to panic since I've already set everything up to this account since I was told everything was opened and fine to setup permanently. Custer service told me that chase decided to close it with no explanation  and it can't be reversed. That's so unprofessional and when I went on XXXX I saw that this has happened to so many other people. Why open the account just to close it days later once people set up their lives revolving an account they were promised was good to go? This is horrifying and wrong.
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (CA)

I am writing to request that the account in collection placed on my credit report be removed. Under the XXXX XXXX XXXX Practices XXXX XXXX FDCPA XXXX. This is not a request for validation ... XXXX XXXX XXXX -- XXXX
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

Greetings, I have frequent and distressing problems with my loan company, MOHELA. My current problem is that they revoked my deferment ; while confusing ( I was under the impression from them that my XXXX enrollment was sufficient through XX/XX/XXXX! ), they also did so after a barrage of bizarre messages that appeared to change my loan terms from when they was instituted ( e.g., XX/XX/XXXX -- these were consolidated loans ), then notified me that a standard payment was due with less than 10 days warning. 

Further, they have ( and still do ) present me with conflicting information. I managed to get that first payment in by XX/XX/XXXX ( {$260.00} ), in fear of getting a 'late payment ' tag, but they were also telling me at the same time that a payment of a different amount ( {$270.00} ) was *first* due on XX/XX/XXXX. There is still conflicting information on their website -- it both tells me that a payment is due on XX/XX/XXXX ( {$270.00} ) and that no payment is due. Interest is accruing, however. 

Finally, I received no official explanation for the change in terms, nor why they instantaneously increased my Current Principal to {$21000.00} from {$20000.00} ( an increase, without explanation or warning, of {$400.00} ). 

I have asked them repeatedly for an itemized accounting of every aspect here, and they have stopped responding and refused to provide one, even after I indicated last week that I would contact you for help. At least once a year, I have some event like this occur with this company ; things only ever get sorted when I contact the CFPB or the Federal Loans Ombudsman. 

I am attaching a screenshot of my account after my recent payment ( as of today, XX/XX/XXXX ). 

Thank you for your assistance in getting MOHELA to account to me the circumstances of my Federal Loan. 

Best, XXXX XXXX MOHELA Account : XXXX
Consumer complaint received 2017-10-24
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)

I am writing to file this complaint because Equifax & XXXX have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, EmploymenXXXX and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I
Consumer complaint received 2020-04-24
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. (TX)

Evening as I began to review my reports XX/XX/2019 I noticed that equifax had not reported/updated my credit. This has stopped me from obtaining my home due to them dropping the ball. I've contacted them several times they're telling me that this is not true to contact the entity of choice. I was also provided equifax logins however their site is still saying the same. Countless hours on the phone constantly purchasing reports to only end up with the same results have landed me here.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Hard inquiries made without my knowledge or permission. 

XXXX : Equifax XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX GARDEN XXXX XXXX CA XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed Equifax Mortgage Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX  from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (GA)

After reviewing my annual credit report, I realized I had not closed my account with Macy 's. On XXXX XXXX I mailed them a letter requesting Macy 's close my account. I was only able to supply them with the parcial account number supplied on my credit report. On XXXX XXXX I received a letter from Macy 's in response to my closure request. They were unable to close my account with the information provided. I do not know my full account number and would like to have this account closed.
Consumer complaint received 2022-01-05
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: ALLY FINANCIAL INC. (VA)

I scheduled my XX/XX/XXXX payment on Ally Financial 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that Ally financial tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in one day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that Ally Bank resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX one time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to Ally Financial requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX Ally financial reported a 30 day lateness on my credit file on XXXX. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to Ally Financial Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct my credit report.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I have contacted Equifax 7 times in the last 8 months to clear up a collection on my record. The collection was cleared. Equifax has not responded to my letters, emails and they have their online dispute system locked. Equifax has other misleading information on my account and they have not responded to anything.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP (GA)

An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

Company : PayPal Credit Report PayPal Identifier : SYNCB/PPC PayPal Inquiries : XX/XX/20 Inquiry ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) I did not open a PayPal line of credit. I have been unable to get a live person with PayPal and I just get the run-a-round. The PayPal website and the phone call only lets you access their dispute center if you have an account. I am unable to determine what this account is because I did not open it. The email listed in the document does not belong to me. I do not want to be held accountable for the fraud charge and the account. The account reflects {$20.00} was charged to the account for some unknown reason. The credit limit is {$3300.00}. Who knows what will happen because I can not get through to PayPal to close the account and notify them of the fraud.
Consumer complaint received 2021-01-19
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. (TN)

I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.
Consumer complaint received 2018-06-04
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: JPMORGAN CHASE & CO. (CA)

There is a Chase Bank credit card account XXXX reporting on my credit report and negatively impacting my credit scores. I was a victim of Identity Theft and have tried to resolve this issue with Chase Bank by providing them a notarized Identity Theft Affidavit along with a Police Report and they have yet to respond or delete the account off my credit file. This is preventing me from getting the credit I deserve and need this resolved immediately.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo lost my account information and refuses to fix it. I can not transfer money out of my account without physically going into a branch during a global pandemic. They 'investigated ' the issue for over a month and concluded that there is nothing they can do other than have me open a new account, which also requires me to go in person to a branch. 

Wells Fargo is a bad actor. They fraudulently open accounts in my name and then refuse to fix their error. Then they have the gall to suggest that I open another account as the only remedy.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

Credit Management has violated one or more of the prohibitions set forth in 1692 of the Fair Debt Collection Practices Act. I believe they knowingly incorrectly addressed the initial notice of collection. The address listed on the notice does not include my full apartment number, XXXX, the apartment number is listed as XXXX. The apartment number in my building range from XXXX to XXXX. 
The notice was dated for XX/XX/XXXX and I did not receive this notice until the evening of XX/XX/XXXX because it was incorrectly delivered to a neighbor who inadvertently opened and read it. 
I have had several phone calls with Credit Management where I have advised them that I did not receive the notice as required by 1692 of  the Fair Debt Collection Practices Act. I have had them verify my address and they had my full apartment number. My address is also listed correctly on their website. The only response that I received when I advised them that I had not received the notice was, the notice was already sent or we sent it. 
I believe that they intentionally used an incomplete address with the hopes/intentions of not allowing me the ability to request that they validate the debt in question. 1692 of the Fair Debt Collection Practices Act allows me the ability to dispute the validity of the collections account within 30 days of receipt of their collections notice. This collection was reported on my credit bureau reports as of XX/XX/XXXX, days prior to one of my neighbors clipping the incorrectly address notice to the outside of my door. 
Since the notice had an incomplete apartment number listed, the notice communicated to a third party, sensitive and private financial information, also a violation of 1692 of the Fair Debt Collection Practices Act. 
This collection account dates back to XXXX for an account with XXXX XXXX XXXX  that has now been taken over by XXXX. My credit bureau report states the creditor is XXXX XXXX. As I have a current account with XXXX, this does not paint a clear and accurate picture of the original creditor. 
I have been in contact with XXXX. I have spent hours on phone calls and chat sessions attempting to find out any information on this collection and none of the agents I spoke to were able to tell me anything about the account or the reason I was being contacted by Credit Management.