davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge 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. (FL)

On XXXX XXXX I was alerted by my XXXX XXXX credit card that fraudulent charges were being made through my XXXX account by an XXXX XXXX XXXX XXXX XXXX, Texas. I immediately called both XXXX XXXX and Citicard to close the accounts and refute the charges made. Citicard had three charges : {$24.00}, {$24.00}, and {$19.00}. XXXX XXXX had two charges of irrelevant amounts. XXXX XXXX and Citicard both immediately refunded my account for the charges made and issued me new cards. Meanwhile, I was never able to fully secure my XXXX account. I took my computer in to XXXXXXXX XXXX and even they, while working with XXXXXXXX XXXX, were not able to keep the hackers from getting back into my account. The best we could do was delete everything and never use XXXX again. A few weeks later, Citicard reversed the credit claiming that the charges were legitimate. They said because at one point in time I purchased XXXX XXXX XXXX XXXX, all the charges made from a completely different XXXX XXXX were therefor legitimate. I then submitted the police report number ( XXXX ), the screen shots, the nasty email from the hacker, as well as had the technicians from XXXX XXXX provided their documentation of this hack and fraudulent purchases. In XXXX, I saw they credited two of the charges, but left one of the {$24.00} charges on my bill as a legitimate charge. I canceled the account entirely but the agent I was speaking with promised me he could fix this and maintain me as a customer ( which I have been for almost 20 years ). Six weeks later, I'm still being billed for the {$24.00} and the only explanation is that I made an actual charge with XXXX at one point in time. The agents can see I should not be billed, but the investigation team seems to be unwilling to see the obvious : that this {$24.00} charge should be treated the same as the other two charges made at the same time from the same XXXX XXXX over a thousand miles away. Every time I call, they say they are fixing it, but it's been two and a half months and this bill is now due and I don't trust them to follow through. I no longer have my credit card number because I destroyed the cards. The original card was replaced with one ending with XXXX. I closed that account entirely and the new account the opened and transferred my remaining charge to ends with XXXX.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

I met with several members of the XXXX XXXX Chase branch in XXXX of XXXX  regarding opening a new checking and investment account and the promotion to do so. Upon speaking w/ XXXX ( Banking ), XXXX XXXX Investment ), XXXX XXXX Mgr ) I was told the following : I would qualify for a XXXX promotional bonus for opening up a checking w/ direct deposit along with investments totaling XXXX. After leaving the branch I followed up with the branch manager, XXXX, and he confirmed this in writing. 

Now, I'm being told that the coupons are not independent of each other and either or. Additionally, they are requiring that a savings deposit be opened as well with more funds. 

This is a classic bait and switch by the largest bank in the world. I've tried to escalate this with my private client banker, manager, and XXXX 's boss ( XXXX ) since XX/XX/XXXX and nothing has been done. I've also opened up customer relations complaints. Nothing done
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

I recently received my LEXIS NEXIS Consumer Credit Report as used for insurance and other financial matters. There are multiple errors and entries including but not limited to incorrect addresses, incorrect names used and other false information. I want the opportunity to immediately correct and remove ALL FALSE information from their files and database. 

Because of their system error, this process to receive information and correct it has taken almost 2 months and I am still being penalized by companies with whom I would do business. So their error filled and erroneous reports are causing me harm and causing me to suffer loss. I wish this stopped immediately.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Radius Global Solutions LLC (TX)

On XX/XX/2023 I've had a derogatory status that has impacted my credit report tremendously due to the fact that the creditors, credit report agencies, and furnisher was in violation of the Fair Credit Reporting Act 15 U.S.Code-1681 602. Also Privacy Act 5 U.S Code 522. Due to such actions by this creditor & credit reporting agency being Radius Global Solutions with XXXX XXXXXXXX being the originally creditor, & XXXX has left me with a balance of {$470.00}. I have made several attempts to try to resolve this issue by agreeing that i would pay this so called debt if proof was shown that I Consumer was who in fact initially opened this account. Which they have failed to do so. Their only response that I will be forced to pay this already discharged debt.
Consumer complaint received 2019-11-08
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: LEXISNEXIS (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX SXXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon, Aylworth & Tami, P.C. (WA)

I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the XXXX XXXX, which do not the belong to me. We have two account number that I am disputing XXXX - account XXXX in the amount of {$1600.00}. 
XXXX  account. Number XXXX {$8800.00},
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GUARANTEED RATE INC. (TX)

XXXX XXXX XXXX XXXX XXXX  VP of Mortgage Lending Guaranteed Rate contacted me with an unsolicited email wanting to engage to offering to adjust my mortgage rate that was just taken out with Guaranteed Rate and after mortgage close was sold to XXXX XXXX I asked him to call me to provide information as to how a reduction in my rate was possible through Guaranteed Rate when my Mortgage was no longer with Guaranteed Rate. I was asked to " authorize him to review my Guaranteed Rate Account '' before he could provide further information. Prior to providing information he did a " Hard pull on my credit report '' WITHOUT MY AUTHORIZATION. 

The tactics of Guaranteed Rate were very suspect from the initial contact, the tact that was taken was very to be very " Slick '' in convincing a consumer that they were offering a no cost solution to adjust mortgage rate since mortgage was less than 3 months old which I already knew was a complete lie and he was attempting to have my mortgage refinanced as a new mortgage with Guaranteed Rate which I had no interest in doing. 

At no time did I engage to start a process in a refinance of my existing mortgage and yet he did a hard pull on my credit without my approval.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (NJ)

My car was totaled in a crash on the XX/XX/2023 
I had a lease going on with around a total of {$37000.00} pending ( pending lease amount plus buyout amount ). The insurance company estimated car value at XXXX and cut a check to my leasing company ( BMW financial services ). I had intended to buy the car out at the end of the lease. Now BMW is not returning me the excess money and I also had a {$5000.00} deposit that they are refusing to send to me in addition to the overage amount. 
I have made repeated calls and tickets on their portal but they are non-responsive. 

They are offering me a loyalty payment credit which I'm not interested in. I just need the excess payment returned along with my security deposit of XXXX that I had paid while signing the lease.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Did not recieve information to dispute. Did not recieve signed contract verifying debt. Harassed via phone numerous times and they wouldn't speak to me in detail without verifying my personal information first ( FULL SSN & date of birth ) Called my PARENTS regarding supposed debt. Filed lawsuit without proper documentation, false claims and inaccurate information. Their verification of debt is a monthly statement from a bank with my name on it and a bill of sale, I don't know what this debt is & a statement with my name ( that could easily be falsified ) does not make it mine.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I have tired on several occasions to get my loan amount changed to be more affordable they keep raising it and offer no help back in XXXX of 2020 they loan officer said that XXXX was a option to get out of it. The loan was for XXXX to date I have already paid {$93000.00} with {$28000.00} left to pay off and 4 years to go. I dont understand if why I have to pay more then double my loan amount
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

I have several federal loans managed by Nelnet. During XXXX of XXXX, I applied for an XXXX plan, REPAYE. It was approved by XXXX of XXXX. In XX/XX/XXXX, I applied for the XXXX plan, and sent Nelnet subsequent information on XX/XX/XXXX. The XXXX application has been processing ever since, being continually delayed. In the meantime, loans have been moved to several different repayment plans without an obvious reason, resulting in extensive increases in the total balance due to high interest rates. I have attempted to contact Nelnet several times in recent months. At one point, the customer service chat and email service was disconnected, meaning that calling was the only way to contact them. With a wait-time of up to 7 hours each time I called, I was unable to reach an employee. As of XX/XX/XXXX, I am unaware of the status of my loans, other than that the interest continues to rise, despite qualifying for the XXXX repayment plan via the federal student loan management website. Some information on the website is contradictory, specifically repayment due dates and dues. Please see attached screenshots for more information.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

During XX/XX/XXXX, I received numerous telephone communications from Affirm, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided Affirm with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an Affirm-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. Affirm representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, Affirm communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. Affirm further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with Affirm, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with Affirm 's request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, Affirm proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXX XXXX XXXX, I received correspondence from a debt collector, specifically XXXX XXXX. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that XXXX XXXX had reported me to the Credit Reporting Agencies.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

During XX/XX/XXXX, I received numerous telephone communications from XXXX, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided XXXX with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an XXXX-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. XXXX representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, XXXX communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. XXXX further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with XXXX, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with XXXX XXXX request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, XXXX proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXXXXXX XXXX XXXX, I received correspondence from a debt collector, specifically Jefferson Capital. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that Jefferson Capital had reported me to the Credit Reporting Agencies.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Wrote to dispute the validity of items reported pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires the credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, the credit bureaus are obligated by law to remove the items.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (DC)

Goldman Sachs Bank claims that [ I ] already received a credit from the merchant for the disputed amount ( attached ) under prior dispute case number XXXX ; note that the disputed amount was {$960.00} for this dispute ( attached ). This was an incorrect statement made by the Bank, as both XXXX XXXX XXXX and the Bank have not collectively issued a total non-provisional credit of {$960.00} to the Apple Card for this transaction made on XX/XX/2023. A complaint has been filed with the Consumer Financial Protection Bureau regarding this false statement, as this specific mis-statement was not addressed by the Bank till date. Moreover, the Bank wrongly marked Consumer Financial Protection Bureau case number XXXX as a duplicate of case number XXXX. The banks issuance of a false assertion about the merchant having issued a credit for the disputed amount, where the disputed amount was {$960.00}, was not addressed and was a separate, distinct complaint.