davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MD)

XXXX  report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by XXXX stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by SEARS/CBNA with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was XXXX.
Consumer complaint received 2024-03-22
Product: 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: Incomm Holdings Inc. (TX)

I was given a {$250.00} vanilla gift card for XXXX, XX/XX/XXXX I entered my card online for a subscription several days later the company notified me that when they attempted to process the payment the card declined. I had never used the card and it had always been in my possession. I called the number on the back of the card and was advised that there was no funds on the card and it was used at XXXX in California. I told them I had not been to California and I did not do this. I was told I needed to file a dispute and the information would be sent to me with instructions I received the request to provide copy of receipt and front and back copy of card. I contacted the person that gave me the card and was able to get a copy of the receipt all requested information was sent on XX/XX/XXXX, I made a follow up call to make sure everything was received and they confirmed that it was. I have made numerous calls since XX/XX/XXXX to check on status and I have been getting the runaway after being told the investigation was near the end call back in XXXX  days, XXXX  days, call back tomorrow. I was told on XX/XX/year> that the card will be activated in XXXX  days. Why would a fraudulent card with no funds be activated. Based on the companies response it appears they have no intentions of refunded me and are just stringing me along. I have requested a refund and have even spoken to a supervisor and still get the same runaround. Please assist in getting my money refunded.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

My loan was transferred from XXXX to Shellpoint in XXXX. I received written notification of this from XXXX, and presume it was due to their bankruptcy. I was current on my mortgage, but have been unable to pay the XXXX mortgage, because Shellpoint has yet to send me any information other than 2 e-mails. I can not pay, as I don't know where to send the loan, I'm unable to create an online account because they have not assigned a user name, etc. 

I've called their customer service number, but they put you on hold, while giving you the option to leave a message for a call back. I tried that a few times, but never get a call back. If you stay on their phone line, you eventually ( after @ 11minutes ) get automatically transferred to voice mail and are forced to leave a message - which they still won't return. 

They are more than happy to send me demanding e-mails to make a payment, to which you can not respond successfully, nor can I comply - as they've not given me the information necessary to do so. 

They informed me I would receive written correspondence, but that has not occurred. In their welcome letter they stress how important it is to pay the mortgage on before the due date, and their welcome letter is sent about a week after the due date. 

All of their listed methods of contact have not yet worked. 

XXXX said that they can't help.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc. (NV)

I been trying to work with " Designed Receivable Solution Inc. '' for the past month and a half. I spoke with a man working there and explain my problem and ask the man why that company was sending negative and false inaccuracy reporting to all three major credit bureau. I was never given a clear explanation why this third party collection agency was reporting bad and false information. I don't owe " DRS '', any money or anything else. This matter was handled/discharge in US BKPT Ct CA XXXX XXXX 2013. Why " DRS '' did what they did was unlawful. I am not obligated to them for anything.
Consumer complaint received 2019-05-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

I received a letter in XX/XX/XXXX from Central Portfolio Control for a debt owned by XXXX XXXX XXXX. I asked for proof of the debt, the original owner, proof that the debt was transferred to a new owner. They provided a response in XX/XX/XXXX stating that I owe for an online payday loan taken out from a XXXX XXXX tribe. This loan is illegal in my state and it is also illegal for a new non-tribal owner to attempt to collect it. They are continuing to attempt to collect the alleged debt for XXXX XXXX.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-28
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: AES/PHEAA (GA)

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING  AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

Original loan balances {$19000.00} ( Subsidized ) and {$10000.00} ( non-subsidized ) Current loan balance {$45000.00} Amount paid since XXXX : {$110000.00} I had a few late payments and put the loans in deferment when I got divorced, but something seems really wrong here. 
AES recommended to place notes ahead of time on payments to pay the subsidized loan a certain amount, etc. Nothing helps to reduce the principal. 

XX/XX/XXXX : After graduating I began repayment of student loan XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX ) subsidized loan ( {$19000.00} ) and subsidized loan ( {$10000.00} ). 

XXXX My spouse and I were badgered to consolidate our loans via telephone, so we did. Then AES purchased the loans. Our interest rate is 7.63 % The unsubsidized loan : I am not sure how, but by XX/XX/XXXX our new balance was {$38000.00} XX/XX/XXXX All Loans Disbursement {$48000.00} new balance {$87000.00} ( There was no disbursement taken by us. AES can not explain this transaction or why my balance is now {$87000.00}. ) XX/XX/XXXX All Loans -Loan Consolidation {$39000.00} {$48000.00} ( Now my balance is $ XXXX AES can not explain why ) The Subsidized loan : XX/XX/XXXX our new balance was SUBSPC + {$13000.00}. 
XX/XX/XXXX : Current Balance of this loan : {$12000.00}
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX I applied for a XXXX  credit card with XXXX XXXX XXXX XXXX.

Application number XXXX XXXX and was denied. The following letter, XX/XX/XXXX, states " For unsatisfactory or unverifiable information '' I called the number given me in the letter to XXXX  and the rep.could not give me a specific reason, not one! and suggested I contact Equifax and get a credit report. TodayXX/XX/XXXX, I tried, on line to obtain a report and even with my old report in hand, apparently did not answer the questions correctly (? ) Then I called the number given me on the Equifax website, went through the question process and then I was told I was unable to get a report! and then was disconnected! I have dealing for over a YEAR with some unknown issue with my credit, even after, with a great deal of effort and your help, removed a " Extended Fraud Alert '' even after all this I am denied credit! XXXX XXXX has my credit rating at XXXX!! Why is this hapening to me?? For God 's sake I think at an XXXX credit score I should have companies falling all over themselves to give me credit instead of treating me like a leaper!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

These accounts were charged off on the following date XXXX of XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and XXXX but stats closed with EXPERIAN which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXXXXXX XXXX, EXPERIAN, XXXX, and XXXX  are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (CO)

I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. 
After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was contacted with a bank of america number with a name of XXXX # XXXX he was in my account an said your under suspicion of activity if i was sending XXXX $ to a XXXX with a XXXX XXXX account i said no he then told me steps was needed to send the money back to my account. had me go to XXXX add my phone number and amount to my account i noticed it said XXXX an not my name using my same phone number, he then hung up an ive been trying to get my money back from the bank
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My credit file landed with The Office of Consumer affairs for Equifax due to mix of files with someone else which to this day they refuse to admit it Denied Access to monitor my credit file online by me or any credit monitor agency institution that offer such service by blocking acces file monitor any innacuracies that where the result of a mix file which con they mon taken possession and claim as is their Their reason Equifax is blocking my credit file does not justified why I cant have access? It is done to protect my credit file this is absurd Incorrect information on a credit report Equifax consumer reporting agency investigation incomplete Improper use of my credit report refusing me access to it Being unable to get a copy of a credit score or file ; and Problems with credit monitoring or identify protection services because Equifax putting block on my credit file Variations between the credit scores and is provide to prospect lenders has led to credit harms from this error not been corrected. These harms include those resulting from inaccurate perceptions of my credit worthiness.

Access to credit reports : By demanding rigorous identity authentication questions to which is preventing me from accessing my credit reports.

Problems disputing errors : When reporting problems disputing errors directly with Equifax. In particular with account place on my credit file that o not belongs to me. by their inability to correct inaccuracies my reports with both Equifax and creditor This issue with Equifax has delayed the process when applying for credit, forgoing the opportunity to refinance my house and my car loan delaying a valuable mortgage refinancing.

As a result because of their inability I am been force to apply with lenders who offer less favorable terms instead of having what truly I might qualify for.

higher interest costs get you to risk and the likelihoods of default due to the greater costs and difficulty of making monthly payments can let too and all because Equifax negligence of correcting error.

I have try to have Equifax understand the important for them to respect of my right as consumer they intentionally have disregard it. This rights are guaranteed by federal consumer financial law whether they like or not, if no they need to be accountable I have follow the credit reporting complaint process but let me nowhere once the process was complete, I was dissatisfied with the resolution and the result because they did not follow protocol and in most cases the issue was not fully corrected until they did not longer have an option than to correct it
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (IN)

On XX/XX/XXXX, Specialized Loan Servicing  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with SLS as of today ( XX/XX/XXXX ).
Consumer complaint received 2020-07-28
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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NY)

On XX/XX/2017, I called U S Bank and ask the representative to look and see when was the 2 bill pay checks was mailed. And ask her to stop payments on the checks.

She did only one stop payment. And now I have paid 2 times to the same merchant.

The 1st presentative that I spoke to today. Told me that I could not file a dispute on checks. I called back and spoke to an other presentative today and she said that, I could. 
The fault is on the bank and the merchant employees. And they are forcing fees and payment on me .I would like the employee 's fried for this mistake. Because we do not no to how many others are con out of fees and a double payment to pay bills.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

I began contact with Chase at the end of XX/XX/2022. Approximately XXXX XXXX, XXXX XXXX, and a few times in XXXX. I made contact with regular customer service and the military customer service representatives. One man in the military department was extremely misleading in that he stated I must open my account before my orders start to be eligible to XXXX benefits. I did so, and I got approved, and my Title XXXX activation orders were under review for XXXX ( which it will be approved ) ; However, Chase then told me I would still have to pay the annual fee BECAUSE I opened it before my orders started. If I get XXXX benefits, which include waiver of annual fee, and they do not apply that, they are in violation of the service members rights and protections under XXXX. 

I then stated I was basically lied to and backed into a corner. If I knew they were going to do this just so I would pay the annual fee, I could have indeed waited for the orders to actually start, and apply for the card to get the annual fee waived under XXXX. 

They would not help me in any way shape or form. Not regular customer service, and not the military section customer service. The sad part is I was approved for the Chase Sapphire Reserve card at a great limit, and ironically it came in the mail that same day they told me they weren't waiving the fee for me. 

I am so upset. This is added stress that I am supposed to be relieved from... 

To say I am extremely disappointed in Chase would be an understatement.