davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (OH)

XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called XXXX XXXX  they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone  number. Also the letter didn't say why I was denied.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MS)

I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( XXXX ).
Consumer complaint received 2018-06-25
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: EQUIFAX, INC. (VA)

In XXXX I was a victim of fraud and the XXXX Security Breach and I have been disputing items on my Equifax and XXXX credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with Equifax they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with Equifax and XXXX. As of today XX/XX/XXXX my credit score with XXXX is a XXXX and Equifax is a XXXX. My credit score is up and down as it pertains to Equifax and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. Equifax is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with Equifax they drop my score instead of completing the updates in which they were instructed to do.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (IL)

Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity.

I still have not heard from the bureau regarding my dispute last month.
Consumer complaint received 2018-06-25
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. (IL)

Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I wrote Portfolio Recovery trying to obtain more information on an alleged debt. I sent them a letter asking for more information and they simply sent me a billing statement from them ( PRA ) not the original company who said debt is valid. I am asking that this be removed from my credit report unless they can prove it is my debt. This debt is from XXXX 2012 in the amount of {$550.00}.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

I was trying to open a dispute with Chase Freedom credit card starting XX/XX/2018, the day I faxed a request to open a purchase dispute. On XX/XX/XXXX I was informed that the Chase didnt receive the fax, even though I have a proof that the fax has being received. The same day, the XX/XX/XXXX, I emailed via secure messages a request to open a dispute. On XX/XX/XXXX I received an email from Chase : We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that the dispute wasnt opened. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that no one was assigned to the dispute. It has been 25 days, and nothing has been done by the Chase credit card company. 
The item in dispute was received and signed for by the seller via XXXX XXXX on XX/XX/2018. 
I would like to resolve the dispute as soon as possible. 
Thank you, XXXX XXXX.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (CA)

Good afternoon, This is in regards to the fees from XXXX XXXX XXXX XXXX University from the Spring and Fall of XX/XX/XXXX which I did not attend.

In Fall of XX/XX/XXXX I transferred from XXXX to XXXX. It was my first time attending a private college and I was working full-time. 

Unfortunately, I was working as a XXXX at XXXX XXXX XXXX XXXX  and the XXXX was going through a high turn-over and was under new management. XXXX XXXX XXXX XXXX  XXXX were unable to work with my school schedule and I had to drop out mid-fall semester XX/XX/XXXX. I never returned to XXXX. 

However , XXXX XXXX and I had email correspondence prior to the beginning of Spring XX/XX/XXXX Semester in hopes of returning. I had added courses in that attempt. XXXX XXXX advised me that I would not be able to attend the classes I selected because I did not have the prerequisites ( XXXX courses ). I followed up with a phone call at the time as well. I was then unable to drop these classes that I could not take because there was a hold with the health clinic due to vaccinations of the XXXX shots. I did not have the money to pay for these vaccinations. 

I am now in XXXX dollar debt because of this situation. 

I called several staff members of the XXXX system asking for help to clear this. Some replied others never did. I was able to get a female advisor in financial aid to assist me somewhat. I was told that I needed to come up with proof in order to remove these fees from my XXXX   record/credit. The proof was that I show XXXX that I notified someone of my work changes in schedule. 

I have spent the last three years trying to resolve this. I have sent them countless emails to advice they are charging me for classes I never attended and that I could not drop these classes due to the holds on my records. 

I am unable to access emails from XXXX XXXX and other professors discussing the fact that I will not be attending and emails from XXXX XXXX XXXX on campus stating I had a hold on my records. These emails were erased from my XXXX email account as time goes by. 

XXXX XXXX has helped me but Great Lakes is stating that I owe XXXX approximately XXXX dollars. 
I did not attend Spring XX/XX/XXXX. I do not understand why the teachers would continue to bill if I was not there for the first day of class as I was told that I did not have the prerequisites per XXXX XXXX. 

I have forwarded you all the emails I could find on my personal email account to support what I am saying. Please help me. 

Thank you for your time. 


XXXX XXXX XXXX XXXX regards, XXXX XXXX
Consumer complaint received 2018-06-25
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. (PA)

i bought my XXXX sunglasses on XX/XX/2017 from the store in XXXX mall and they did not fir so I returned it on the same day.Sales associate did not have a replacement so she put the refund back on the gift card and she used it to order them online on the same day. The ones I got from the online order did not fit me either so I returned them on XXXX XXXX and I have a receipt and I told the sales associate to put it back on my card and she said she did. Now after a month I got a bill with a balance and I called them and they said they will fix it, but they did not until the due date so I paid the minimum balance twice at a total of XXXX dollars. After two months they did not resolve it and keep giving me different answers like it is wrong receipt or sunglasses and even after closing my account they wont resolve the dispute. Now they tell me that I dont have to pay anything or late fees and they will investigate, I keep waiting but they dont give me a actual response. Please help, I don't want my credit score to get affected.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Great Lakes Capital Management, LLC (VA)

In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX contacted me, with what XXXX XXXX said was a care regarding a payday loan I had taken through XXXX in XXXX. While I did not remember having taken out this loan I was pressured into settling on an amount to pay back, or else I would be served with a bench warrant for my arrest. I agreed to set up a payment arrangement, at which time I gave XXXX XXXX my debit card information and she took {$150.00}. I was unable to make the arranged payments after that, which I did email XXXX XXXX about. Fast forward to XX/XX/XXXX, when I receive a call from a private number, with a man stating he was with this company and had a bench warrant he would serve to me the next day, if I did not make payments. I made a payment with XXXX XXXX again for {$99.00}. After a little time, I became suspicious and contacted both XXXX  and their collections agency and was told # 1 my debt had been written off and # 2 they had no knowledge of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. I contacted XXXX XXXX about this, who informed me she would not contact me again, however she wished me luck with the legal matters that would come with me basically being arrested. I have tried multiple times to speak with someone to get my money back, and I was told by a gentleman ( called me from a private number and mumbled his name ) that the sum of the {$150.00} and {$99.00} would be replaced in my account around XX/XX/XXXX. I then spoke with a XXXX XXXX who told me the money had been replaced XX/XX/XXXX. When I tried to question this my emails and calls suddenly started being ignored. I've not heard a word since. However, during the time they were trying to collect money they were calling 6 to 8 times a day/night. I was even in California at one point and my phone would start ringing at XXXX in the XXXX.
Consumer complaint received 2018-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OK)

On XX/XX/XXXX I contact US Bank concerning a get well plan for my past due payments. On that date I agreed to an ACH payment to occur on XX/XX/XXXX.  Unfortunately the customer service associate made an error and the ACH payment was processed that day when the funds were not available. On XX/XX/XXXX, when I received the overdraft notification from my bank, I contacted US Bank and advised them of what was going on. I was advised by the customer service associate that I should stop the payment at my bank. He also stated that their system was down at the moment so he could not pull the call to verify the arrangement, and that once the system was back up, he would call back to resolve the issue. I did not hear from them, therefore I contacted them again on XX/XX/XXXX. During that conversation I was advised by the customer service associate that a supervisor would contact me by the end of the business day to resolve the issue. I did not receive a call back. I contacted them again on XX/XX/XXXX and was advised that it was in the supervisor queue for a call back, still no contact. On XX/XX/XXXX I was actually contacted by the collections department due to my late status. I missed that call and immediately returned the call. I spoke with a young lady that took the initiative to resolve the issue. She had the call pulled and verified the mistake made by the customer service associate on XX/XX/XXXX. She advised they would remove any fees that they had in their records due to the returned check, and that they would refund the stop check fee of {$30.00}. The associate stated that their normal policy was to mail any refund payments under {$100.00}, and that it would take 7-10 business days to receive the check. I advised her that it was unacceptable due to the fact of how long the issue had persisted and my financial situation. She stated that she would speak with her supervisor to get the authority to wire the funds to me. She stated that she spoke with her supervisor and received the approval to wire the funds. She stated that it would take 24-48 hours. On XX/XX/XXXX I was contacted by their collection department again. They were contacting me in regards to the status of my account, although on each of the previous calls I had advised them of what my get well plan was. The associate made no mention of the status of the refund transaction. When I asked about the status of the transaction I was advised that the refund had been mailed because the payment was under {$50.00}. I told advised her of the situation, at that point she transferred me to a supervisor, he only announced his name and then the call disconnected. I called back and spoke with another associate that consulted with his supervisor and stated that there was nothing that they could do in their department and sent me over to a senior customer service associate. That associate advised that there wasn't anything that they could do, and that I should receive the check in the next couple of days.
Consumer complaint received 2018-06-25
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, XXXX XXXXXXXX and American Express are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2022-06-30
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: LEXISNEXIS (MD)

Today I reached out to Lexis Nexis via phone. I called XXXX and was transferred and told the correct number to reach someone who handles my issue was XXXX. I was transferred to Representative XXXX. I informed her that I received my Lexis Nexis results stating they had removed both bankruptcies from their credit file and that correspondence was dated XX/XX/22. I asked the representative since they are the FURNISHER of bankruptcies for XXXX, XXXX, and XXXX did Lexis Nexis send an update to them to either remove or update that it is has been found per Lexis Nexis investigation that it was unverifiable. The representative XXXX stated no and that the credit bureaus have access to my Lexis Nexis file and can pull it up. I requested that they send an update to the three major credit bureaus informing them of this update, representative XXXX refused. I asked for the compliant department and she informed me to send an email. I requested to speak to a supervisor and she placed me on hold for over 3 minutes before hanging up on me. In the state of Maryland hanging up on someone is XXXX. 

FCRA 623 ( a ) ( 2 ) ( B ) a furnisher of information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>>> XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2018-06-25
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 — Investigation took more than 30 days
Company: Waypoint Resource Group, LLC (IN)

Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the  collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc. (AZ)

This company RGS Financial which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX