davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (IL)

On XX/XX/XXXX US BANK I had a balance of XXXX I made a transaction in the amount of XXXX and XXXX reducing my balance to XXXX. On XX/XX/XXXX with a balance of XXXX I was charged a over draft fee of XXXX twice bringing my balance down to XXXX. On XX/XX/XXXX there was a debit charge of XXXX bringing to to a negative balance of XXXX. I called the bank to dispute charges claiming I had a positive balance and the customer service rep told me that my charge of XXXX was pending prior to the XXXX and XXXX. I requested to dispute charges advising even if the XXXX was pending funds where positive and should have covered the XXXX and the XXXX the rep could not explain how all 3 charges was returned and refused to remove or dispute charges while submitting a complaint I also occurred a extended overdraft fee of XXXX bring my balance in fees to XXXX
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2016 we stayed at a XXXX in XXXX UT and used our American Express Bluebird card to pay for the room. As per normal they held funds to cover the transaction then charged the funds, but they never released the " hold ''. When I called the XXXX they informed me that they did not do automatic releases and it would be up to my financial institution to release the funds. I called American Express and was told that they could not release the funds either, it was n't their " policy ''. So-XXXX will not do an auto release, even though they have been paid, and American Express will not release because it is not " their policy ''. So who has my {$88.00} and who is responsible for returning these funds to me? It has been nearly XXXX weeks and someone still has my {$88.00}.
Consumer complaint received 2017-09-08
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. (CA)

Equifax carelessly mishandled my personal information which has put me and 180 million other people at risk of identity fraud. The fact that I have never personally used any Equifax service and the fact that I was never notified of this and only found out a month later through news outlets makes me feel helpless and this situation seem unfair. Even now the amount of effort and money I have to put towards trying to secure this information and freeze my assets is somewhat absurd and should be entirely absorbed by Equifax, not placed on the consumer. Words can not describe how disappointed I am in this system and how imperative a change is.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them
Consumer complaint received 2017-09-08
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. (WA)

On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Sherloq Group, Inc (FL)

I have disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.
Consumer complaint received 2017-09-08
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)

It is being reported that Equifax had a massive security breach, resulting in the compromise of myriad Americans ' personal information. According to a website set up to check, I appear to be affected by this hack/compromise. As a result, I have had to pay money to place freezes on all of my credit reports. I believe that Equifax should have taken all possible actions to secure my data, along with the data of all others compromised today. I will absolutely speak with an attorney about a lawsuit in order to recover the {$30.00} I spent today freezing my reports.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Prince Parker & Associates (PA)

I was contacted by a debt collection agency. I notified the representative that I would like to dispute the debt because I did not owe the amount. The representative stated she would only mark my account as a refusal to pay. I stated multiple times that I do not owe the amount and she refused to acknowledge it and stated I am just refusing to pay.The representative then stated this call is over and ended the call.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MI)

I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the debt.
Consumer complaint received 2017-04-29
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. (MI)

On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.
Consumer complaint received 2016-12-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (NY)

XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
Consumer complaint received 2017-08-07
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. (OH)

I have incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

Disputing American Express issuing credit card ( allowing for credit increases ) to XXXX. 

History shows long-term history ( 30+ years ) for none and late payments on credit cards, mortgages, utilities, taxes, etc. with low FICO scores ( approx. XXXX-XXXX range ), unemployment ... and income under XXXX,, ( SS and Pension ). Background check would have also shown XXXX active credit cards. 

Also, harassing/intimidating phone calls requesting immediate " pay-by-phone '' checking withdrawals should be illegal. Approval given under the influence of XXXX ... resulting in " insufficient funds '' /fees for bounced checks. 

Feel it is banks negligence that caused him to fall into a black hole of debt IMPOSSIBLE to climb out of. Rather than additional credit, there should have been a limit with cancellation imposed ... NOT increase or allow additional credit.
Consumer complaint received 2016-07-12
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (CA)

Account Control Technology-They constantly call my place of work when after I told them not to call and it is not allowed. They called me 4 time today. 2 times on my cell phone and 2 times at work. I already have an agreement to pay and I have paid with no problem.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I need your help in getting these incorrect address information and unauthorized inquiries removed from my Equifax Credit File. Please remover addresses : XXXX XXXX I, and XXXX XXXX, XXXX, Al. This information is a result of identity theft.
Consumer complaint received 2017-08-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently disputed multiple items reporting on my credit file XX/XX/XXXX CASE # ( XXXX ). I have spoken with the Specialized Handling department that has handled this process on multiple occasions through out this process. I was very clearly told by multiple agents and supervisors ' within this department that any/all accounts that were to be removed from my credit file due to FRAUD would also include related inquiries to such accounts being permanently deleted as well. As of today, XXXX XXXX, I still have all of the inquiries currently reporting on my credit file. Actually, I am currently on the phone with the Specialized Handling department ( US ) and they have stated that even though the accounts that were removed from my credit file were deemed as fraud and subsequently removed accordingly, that they are unable to remove these inquiries respectively. This of course directly contradicts what I have been told up to this point as well as does not meet my rights with regard to the FCRA concerning fraudulent accounts and inquiries. I need for these inquiries to be removed as they were directly associated with accounts deemed as fraud and removed from my credit file. 

- 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 XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - 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/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) I am also wanting to dispute a few trade lines/accounts still showing on my credit file as FRAUDLUENT. The following is a breakdown : XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1600.00} -XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1800.00} XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$2100.00} Does anyone not notice how odd it is that these accounts were opened under a different name and address in a 30 day span? These accounts were opened and closed within 2 weeks a part from each other. How does this not scream fraud? 

Lastly, I need for my current contact information to be updated on my credit file to read as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-09-08
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. (IN)

This is in regards to the recent Equifax data breach. Equifax has indicated my personal information was likely stolen. Given the amount of highly personal information Equifax has about me, I 'm now at a great risk for personal identity theft, and will have to take many additional measures to safeguard my identify, all of which are not full-proof given that they can be circumvented with the very same info that was stolen. Equifax, while a victim themselves, must take action to assist me, and many others in securing our identify once again.
Consumer complaint received 2017-09-08
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. (CA)

On XXXX XXXX 2017, Equifax gave access to my report, along with millions of others, unauthorized to an unknown 3rd party. They offer the standard freezes, but no substantial help for people they are supposed to protect.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (PA)

Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (CA)

XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I made a payment for hotel and flight reservations with my American Express card ( AE ) to XXXX, its travel agent, XXXX XXXX, located in XXXX, Oregon. 
On XX/XX/XXXX, I contacted the travel agent to cancel all of my reservations and request a full refund of {$2000.00} for the hotel. I have been disputing this charge with AE since XX/XX/XXXX to date with no resolution. 
In one of the attached emails dated XX/XX/XXXX, I was informed for the first time, that the hotel reservation was a non-refundable transaction. Though the transaction occurred on XX/XX/XXXX. Therefore, this is the problem I have been disputing with all parties involved, including AE, that the agent failed to communicate to me, either in writing or verbally, of any cancellation/refund policy. 
I do not believe I should be penalized for someone else 's negligence failing to notify its customer of any cancellation/refund policies. Neither did XXXX XXXX inform me of any third party provider of services until I received the vouchers issued by XXXX. And XXXX, upon its response letter to AE on XX/XX/XXXX. XXXX XXXX received her commission. Travel Bound received its payment. And I am stuck with a {$2000.00} AE bill due to someone 's ineptitude. No one is taking responsibility for failing to lawfully inform the customers of its business ' policies. 
On three ( 3 ) occasions, I have disputed this charge with AE. On three occasions, AE has informed me there is nothing more they can do to get the refund from the parties involved. As recent as XX/XX/XXXX, I was contacted by XXXX XXXX, American Express Executive Customer Care with the same response as before. I have observed a lack of protection towards its customer from AE. Evidently, AE has easily accepted a snapshot received from XXXX and XXXX as sufficient evidence to rule in their favor. I have provided written emails evidence to all noting that XXXX XXXX failed in her fiduciary duty to inform me, anytime prior to finalizing the transaction with XXXX. My evidence has been completely ignored. 
At no time did she mention any cancellation/refund policy. I have repeatedly requested all parties to provide me with written or verbal evidence that I was dutifully informed of their policies. All have chosen to ignore my request including AE. 
XXXX provided a refund of {$25.00} on the first dispute. I have asked for an explanation for the refund. Also, it has not been addressed in either of their response. 
Additionally, I am extremely dissatisfied with AE 's poor customer service support. During this dispute, I have observed a lack of support or protection towards its customer. 
I have also noticed XXXX website states their hotel cancellation/refund policy. If canceled 72 hrs or more, full refund. I canceled beyond that timeframe. I find this a deceitful practice to customers. I am requesting XXXX to provide a written explanation of the contradiction of this policy and its refusal to issue a full refund.