davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Enterprise Systems, Inc. (TX)

I had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. 
Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. 
Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. 
I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. 
I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XX/XX/2017.
Consumer complaint received 2016-09-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: DISCOVER BANK (NY)

XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. 

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. 

I am quite XXXX off you have included the following information on my credit report : XXXX XXXX XXXX following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX XXXX This account does not seem accurate to me. Can you investigate the account number, account terms, account balance, balance history, payment history if any, and the address being reported on this account. Please delete this account for any inaccuracies. 

XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

Chapter XXXX Bankruptcy XXXX I am disputing the file & discharge date on this bankruptcy because it does not seem right to me. Where are you getting this information from? Delete from my credit report.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a XXXX account back in 2017 I borrowed XXXX from XXXX. I was put in the hospital and got behind on payments this XXXX they called me on a recorded line. I refinanced my loan with them for XXXX with no interest. I am making XXXX payments a month. They told me they would correct my transUnion report to show this I have been calling them for the last 3 months. Now they tell me I have to dispute it and when they hear from transUnion disputing the entry they will tell them the first loan was refinanced and the balance is XXXX. I am disputing that now for your information they closed there company in California the only one they have is in XXXX Illinois, My fist loan account # was XXXX, my refinanced account # XXXX this should be the only account please get this fixed. There telephone number is XXXX thank you for your help
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX  XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (NY)

I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.
Consumer complaint received 2018-09-05
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: Exeter Finance, LLC. (GA)

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2016-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I called to increase my monthly automatic payment in order to pay less interest and pay off my loans sooner. This went fine for a while, until this month when they bumped my loans back down to the minimum payment, and have scheduled an automatic payment for {$0.00}. I gave no authorization for this, nor did I receive any notification of this. I only checked because it happened to a friend, who posted it to XXXX advising everyone to check. Otherwise I would n't have known until after the fact. This seems like an extremely shady tactic for collecting additional interest and does n't seem to me that it should be legal.
Consumer complaint received 2018-09-05
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. (CA)

Chase credit card has not given me protection on services rendered on a particular dispute I opened with them. XXXX XXXX failed to deliver my bags for my wedding in XXXX and ruined my whole wedding and vacation. We had to cancel the wedding due to this. I opened a dispute and chase is saying that XXXX XXXX is not responsible for my bags and that they only sold me a ticket to fly. I sent them proof that the ticket was purchased with one luggage and they are refusing to side with me on the dispute. Please let me know what I can do about this matter as it is very serious to me. They are saying that they are only responsible for getting me there, and not my bags ... This was not disclosed to me and the whole purpose of this particular trip was for a wedding which didn't happen because they didn't deliver the bags on time for the wedding which had the tailored tux and dress in it.
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC. (FL)

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (PA)

1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CT)

Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in XXXX
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (UT)

Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (OH)

To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete Rentdebt Automated Collection - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2016-05-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.