davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (GA)

Equifax is continually refusing to remove fraudulent information from my credit report. I have supplied Equifax with all the documents needed to delete this fraudulent account from my credit report however, Equifax is refusing to remove this information. In addition, each time I submit my personal documents to substantiate my identity Equifax continually send me letters telling me to verify my identity when I have already provided documentation of my identity with the request to have the fraudulent information deleted the fraudulent account is XXXX XXXX XXXX. Equifax has refused to delete this account and I have disputed this account for the last two years.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc. (IL)

I keep getting auto dial phone calls that are designed to go straight to voicemail and can not be picked up from a company called Nationwide Credit. I have spoken to them repeatedly denying any debt as I have never received an invoice, they say I have a debt, but I have never received anything nor have i ever been to the place they say I owe. I have repeatedly stated that Until I see an Invoice I don't owe anything, They say that's not correct and THEY have determined I owe this debt, Now they continue to call after they have been told to stop and they are sending letters to my home address. When I try to contact directly to say they have to stop calling they reply they will keep chasing me for a debt I don't owe, they don't listen and cut me off mid sentence It is continued harassment and they should be held accountable.

I have NEVER received any Invoice nor have I ever been to the place that Nationwide Credit say I owe, I DONT owe this debt that Nationwide Credit keeps Harassing me for.

The last XXXX I spoke to was XXXX, After telling them to stop calling yet again I received two calls to my voicemail while I wrote this complaint. They need to be held accountable for this Harassment.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I inquired about a loan last year with XXXX XXXX. I did NOT know they would send it out to other companies. I did NOT ask about a loan with the following : Equifax Mtg., Equifax Mort, XXXX, XXXX, XXXX, XXXX, XXXX ( listed twice ). I've never heard of some of these before. 

The ONLY ONE I recognize is the XXXX. 

I want these taken off my credit report immediately. I think it should be against the law for one company to send my information to other companies that I WAS NOT applying for. Please correct thisASAP
Consumer complaint received 2018-05-03
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: Investment Retrievers, Inc. (TX)

I have tried to contact investment retrievers regarding an account that I never owned and they told me to dispute it and it will be deleted and that was correct except it still remains on XXXX after 90 days and I am trying to close on a home and this is holding me back I just ask that since its verified it didn't belong to me why wasn't it removed from all 3 not just 2 reporting agencies.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (CA)

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (VA)

There was a wage garnishment placed against me which was granted by the courts in XXXX County,  VA however no is able to provide me with a Notice of Service. I was not contacted about this matter, the address that is on the summons XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX which was provided to me by my employer is not my current address. I have not resided at the address on the summons in over 6 months. I did not know I had a court date nor did I know I had the opportunity to dispute this debt, my right was taken away from me. I am also the only one working in my household as my husband is currently battling XXXX XXXX and is unable to work. So this was a stressful shock and has/will effects us financially I am I the only one carrying the financial burden.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have sent the mortagge company all the requested items for a loan modification. On the application is states that you have the option to use a CPA. I used a CPA. BOA then said the CPA needed to show certification which I provided. They then said the certification was valid. However, on the application it says the cpa DOESNT HAVE TO be certified. Also, you don't have to use a CPA at all if you provided certain documentation. I have been going through this process for almost a year. Living in fear of losing my home. Please help me. 


XXXX XXXX
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I borrowed a total of {$2100.00}. but with daily calculated fees and interest it has accumulated to {$2500.00}, due to me not being able to make the payment of {$270.00} bi-weekly. I have called several times to ask being account is now in default to stop interest and fees which it states in the contract would happen once account goes in default, in oreder to set up a payment agreement to pay this back. Instead, Easy Money continues to charge interest and fees after default in order to make the pay back way more than borrowed, which truly is predatorial. Please stop interest and fees and allow reasonable payback.
Consumer complaint received 2019-07-10
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED ACCOUNTS WHICH IS CAUSING EXTREME DAMAGE.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (RI)

On XX/XX/2018 my paycheck was direct deposited into my Amex serve account. I checked my account around XXXX XXXX on XX/XX/XXXX and my balance was XXXX $ and change. I work nights So when I left my shift at XXXX XXXX  on XX/XX/XXXX, and checked my Amex serve balance. There was at that point XXXX $ dollars in my account, all my money was gone. After checking my account, after my direct deposit went threw there was four charges on my account that were fraudulent and not made by me. The charges where actually money transfers from four different names I never heard of before. The first charge took my entire direct deposit amount. The second was a few hundred $ sent back to me. The third was another few hundred sent back to me. The fourth was the remaining balance sent someone. These were all transfers from all different people I never heard of in my life. I immediately called Amex customer service to start a dispute, the next day I got a Email from Amex saying the charges were not fraudulent and there is nothing to do to help me, my account was also locked and shut down due to them saying I violated there policy. I called back today XX/XX/XXXX to try to resolve this issue again. Customer service said there was nothing else they Could do and they could not transfer me to the Fraud department and the only was to reach them is by email or a letter via postal service. I then asked to talk to a supervisor, was out on hold. I waited 2 hours on hold and no one ever picked up. My account is clearly compromised and all my hard earned money was stolen. The only thing I can think of is a email I received claiming to be Amex serve asking me to validate my account. The logo was exactly the same and looked authentic. It even brought me to the Amex serve account website. I verified all my information and my guess is this is how my account got stolen. I sent Amex serve this email and told them about this and they did nothing and said nothing about it. My next step is calling my lawyer to pursue Amex legally in hopes of recovering my hard earned money. Please help me out as this is completely insane and Amex serve is allowing this illegal activity to happen on a account that is said to be completely protected against fraud.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I've already spent 3 months working directly with American Express to attempt to resolve this issue, and they continue to deny responsibility. 

AmEx offers bonus miles / points when you refer a friend to one of their credit card products, and the referee is approved for that credit card. I made ( 5 ) referrals dated starting in mid XXXX during a promotional period where the referer ( me ) would earn XXXX miles per referral. Instead, American Express awarded me XXXX for 4 out of the 5 referrals ( These miles were received in my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 ). 1 of 5 referrals did, indeed, earn the XXXX bonus miles ( these miles were awarded to me on XX/XX/2019 ). 

I've provided them all the necessary data to show that I was eligible for the additional points, and they continue to deny. I screenshot the offer and submitted that at their request, too. Still, they deny.
Consumer complaint received 2018-06-03
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. (GA)

I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

When I received my Experian credit report in XXXX there are three inquiries that should not be there. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XXXX/XXXXXX/XX/XXXX.
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (KS)

On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my  granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency. 
On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.
Consumer complaint received 2018-06-03
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: 3rd Generation, Inc. (AZ)

XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help
Consumer complaint received 2018-06-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

Not only have I been receiving calls from this collector using tactics such as fake businesses ( XXXX  business services ) but they've tracked me down at my place of work and called the general number to be routed to my office. I've already requested no phone contact. They've also failed to provide a Debt Validation.  Thank you
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC fraud report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX To whom it may concern : May I please receive some consideration for future investigations as a valued customer, regarding {$500.00} reversed from my checking account ending XXXX on XX/XX/2023. Because I thought the person contacted online was from XXXX, as a value customer this has put a negative impact on my finance, and Ive attached additional information as well as local police department report case number XXXX. Filed On XX/XX/2023 at XXXX XXXX XXXX at ( XXXX ) XXXX he texts me back immediate once I discovered it was a fraudulent activity conducted on XXXX XXXX approximately XXXX XXXX thru. app. Called any desk app. XXXX from Chase Claims Department took my complaint over the phone. 

Might I include the person I communicated over the phone however its not in order or date sequence XXXX XXXX at XXXX XXXX  Name XXXX at Chase Customer Claim Supervisor XXXX told me I was scam and no further action will be taken Best regards
Consumer complaint received 2021-02-17
Product: Credit card or prepaid 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. (CA)

Citibank Billing Dispute/Case # : XXXX I am the victim of a scam, perpetrated by XXXX XXXX XXXX in the amount of XXXX Originally on XX/XX/20, I wanted to order a XXXX bottle of XXXX  oil  on a website. While on the website, XXXX.XXXX, a page popped up about another product & I couldnt figure out how to navigate away from it, so somehow XXXX billed me XXXX. I received both products, but I called Citi to dispute the XXXX charge and they were reversed. I offered to send back both items. 
Upon checking my online activity, I saw a charge on XX/XX/20 for XXXX from XXXX. I knew I never ordered from them, nor had I received anything. I called their XXXX # on the statement & the Representative was very nasty and told me I would have to pay for it. 
I am XXXX & would not order a muscle building product! I dont understand how this happened. I have no emails from any of the three websites confirming order or shipment. Their own return policy states We believe in complete customer satisfaction. You have 30 days to request a refund after you have placed your order. If I had received anything, I would have requested a return & returned it. But I was charged XXXX with no order confirmation, AND RECEIVED NOTHING. Citibank insists I provide documentation showing the Merchant agreed to credit my account how can I show a paper trail when I didnt receive anything, including the XXXX bottle? The XXXX has not had to provide proof it was shipped to me, yet they are given the benefit of the doubt. This is a total scam that started when I bought a XXXX bottle of XXXX and snowballed into this. 
Thank you.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX