davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CO)

I called and request to have to account closed and closing bill issued to me on XX/XX/2023 the company bluntly and flatly stated that I could not request the account closed/ cancelled. I advised them that after the XXXX of XXXX I have no access to the card because I threw it out and attempted to closed the card down they bluntly refused. They used deceptive practices in clarification of what type of account this is. I explained that because I did not have the card I was not sure of the transactions and that I would like to report it lost or stolen they refused. The company on recorded like stated I had no right to close the account request/ report a card lost. I disputed the account as well because I requested the account closed in five different calls. The company then refused to provide me the bal owed via email or mail stating I had the balance owed. I was also mocked on the calls and laughed at on the line with team members XXXX, XXXX, and XXXX ( supervisor ) all and the XXXX Az Call center who stated that I could get no further resolution or escalate the call and no matter how many times I called they could not be escalated and there was no further supervisors or supervision for their department leading to this complaint.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

This problem originally included both XXXX  and XXXX  ; XXXX  corrected the issue and removed any reference to Shellpoint from my credit report. XXXX  did not. 
The furnisher company involved is Shellpoint Mortgage Servicing, a division of NewRez LLC. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with XXXX even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by Shellpoint also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, Shellpoint was not the servicer of the loan and it belonged to a different company as well ( Shellpoint services it for XXXX  XXXX, XXXX  ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of Shellpoint that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is XXXX  's report on the issue. Notice that the information that supposedly came from Shellpoint is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at XXXX, they claimed not to have access to the PDF I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was charged a late payment fee of {$30.00} by Macys ( Department Stores National Bank ) for an overdue payment. This was something that I was responsible for. 

I paid the balance due in full one day late, and Macys was kind enough to reverse the charge. Over the phone I was assured that there would be no balance due and no additional charges on the account. 

After calling to check on the balance ~one week later, I learned that the reversal was not for the full amount, but rather {$28.00} dollars. Seeing as I was partially at fault, I gladly paid the {$2.00} hoping that the issue was resolved. 

The next month I received a bill with an additonal {$2.00} fee to my surprise. This was later explained to me as interest. 

The problems with this as I see them are : - I was told that after the payment and reversal there would be no further charges - I have dealt with this issue now multiple times -- 3+ phone calls - Unanticapated charges are being made against the account that seem predatory in nature
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the Equifax data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.
Consumer complaint received 2020-03-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (ID)

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Consumer complaint received 2022-12-12
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX and number XXXX Account name XXXX  and number XXXX Account name XXXX XXXX  and number XXXX Account name XXXX XXXX and number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my whiten instructions
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Errors from DISCOVERY FINANCIALS SERVICES are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
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: National Credit Adjusters, LLC (TX)

Received a threat that they will take me to jail. Not sure of the debt. 



This is the email below. 
ATTENTION- LEGAL ACTION FINAL NOTICE Inbox XXXX XXXXXXXX XXXX ( 5 hours ago ) to me Dear XXXX XXXX City : - XXXX State : - TX Zip : - XXXX S.S.N. : - XXXX XXXX, XXXX, XXXX My name is XXXX XXXX. From the National Credit Adjuster ( Attorney at law ), I want to inform you that there is a case file on your name in the amount of {$1200.00}. 

Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, now the company wants their money back so that is the reason why creditor has decided to forward your case file inside the courthouse. However, Our Company NATIONAL CREDIT ADJUSTER, would prefer to give you one last opportunity to make payment and avoid legal action, If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of the USA, it would be affecting your XXXX scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Explanation of Bankruptcy Discharge in a Chapter XXXX Case, That order does not close or dismiss the case. a creditor enforce a claim against the debtors ' property For example, a creditor may have the right to foreclose a home, mortgage or repossess an automobile. 

Your case file will be presented inside the courthouse on XX/XX/XXXX, Kindly let us know, If you are willing to resolve this case out of court so that we can offer you the settlement amount, If not then we have to download this case forcefully against you into the courthouse. 

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, Alabama XXXX,
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I receive constant calls from a debt collections company named Linebarger, Goggen, Blair, and  Sampson. They are calling for a XXXX XXXX from XXXX ; to reference his acct # XXXX. I returned the call and spoke with a live agent and specifically requested a DNC to my number, as Im not that person. They have not ceased calling and phone incessantly ; seeming to call more after I requested the do not call.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

There were three fraudulent cash advances and advance fees charged on my XXXX XXXX rewards card. The cash advances were total {$1500.00} and advance fees were total {$75.00}. The cash advances happened places I never visited. According to the credit card 's statement, the first cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX, NJ, total {$500.00}. The second cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX NJ, total {$500.00}. The third cash advance happened on XX/XX/2020 at XXXX, NJ, total {$500.00}. During those days I was never in those places in NJ as I live in XXXX. I have called the credit card company several times since XX/XX/2020 and reported the fraudulent activities. After XX/XX/2020 I received a letter from the company stating after their investigation those transactions are valid and they declined my fraud claims. Their reason is simply because it's a chip card. Now they say I am responsible for all the fraudulent charges on the card including interests, late fees incurred as I was waiting for resolving the issues. As a medical doctor working during those three days in XXXX, I can provide proof that I was not in those places during those three days. Thus, this is totally unreasonable for a credit card company to just simply put the all the fraudulent charges to a honest, five-year-long customer. As we know chip card technology is not 100 % safe.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CO)

First off, I finance my XXXX XXXX XXXX XXXX through Chase Bank, and not my normal bank, XXXX XXXX. I do not have an active credit or debit card through chase, however I do have a car loan account and that is all. All of my finances are banked through XXXX XXXX  where I actively have 5 accounts open through them. 

On XX/XX/XXXX, I believe, I logged onto my Chase bank app and scheduled my car payment to come out on XX/XX/XXXX, instead of the traditional XXXX of every month. With the XXXX being XXXX, I figured it was the responsible thing to do. Yesterday morning on the XXXX of XXXX, my payment for my car loan came out of my XXXX XXXX  checking account, {$390.00} as scheduled. This morning which is now XX/XX/XXXX, ANOTHER CHARGE for {$390.00} came out of my account, making it a double charge for my car payment. 

I caught onto this double charge and immediately started making phone calls! My first call was to Chase, in XXXX, CO off of XXXX XXXX, and they were very non-helpful and just directed me back to calling XXXX XXXX  ( where my accounts are located ) and left it at that! 

So after calling XXXX XXXX, those folks told me the right thing to do would be to call Chase back and speak to a manager about the situation. Although the XXXX XXXX  employee was very helpful and even said he could start the dispute but I wouldnt get my reimbursement funds in a reasonable timeframe he still thought that I would be better off taking up situation with Chase because technically it was their mistake in the first place. And even if it was a user error on the app, I should still be able to have access to my rightful funds when a transaction is disputed, right? 

So as of now, I talked to Chase once again in the Auto Loan department, and they have squared away the refund, BUT I wont have the funds available until XX/XX/XXXX? This is what angers me!!! I am currently on vacation ( we left this morning ) and now I am out basically {$400.00} that I can not use. The gentleman from their customer service department said that with the upcoming holiday XXXX XXXX XXXX  ) I wouldnt be able to access the refund funds until the XXXX of XXXX? 

WHY WHEN THEY ARE ACTIVELY STILL WORKING THE NEXT 2 days!!!! Why do I have to wait until the XXXX if they have employees working until the holiday?? I just want this squared away, and I would like my funds in the next day or so, so I can enjoy my vacation!!!!
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the XX/XX/XXXX data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good afternoon, On XX/XX/XXXX and XXXX, XXXX my Transunion credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from Transunion. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from XXXX XXXX XXXX requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to XXXX XXXX XXXX XXXX who pulls it again. I stated that the dealer did not indicate that XX/XX/XXXX would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (TX)

I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and Experian multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from Experian, XXXX  and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. Experian and XXXX  just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report Experian and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX Experian and XXXX  have ignored my requests to provide the verification information available XXXX XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (TX)

Gateway One lending and finance decided to sell out to santender financial. 

I have a loan for a car with Gateway One lending and finance. I found out through a 3rd party that my loan had gotten sold on XX/XX/XXXX. In the email that I had received ; my credit report improved but I found it inappropriate that I found from a 3rd party on the sale of gateway. After getting an email from santendar, I immediately called them on XX/XX/XXXX. In that phone call, I asked the questions regarding when the sale was started with negotiations, when both corporations knew about the sale and declined to advise clients about this sale until getting information from a 3rd party. In the call, they informed me that the sale was final on XX/XX/XXXX. They mailed out a letter on XXXX apparently ; I find that unacceptable and Gateway One or Santendar should have sent a letter or a call or email immediately about this action. 

Now, I have to develop a new web account and continue to pay on a car that Ive been paying on for a year and a half. I have a year left on my car. 

I think there should be fines or penalties associated with the action by gateway sale as many people according to Santander have been upset about this. They knew this was coming and did nothing. Its unacceptable that this has happened!