davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (AL)

I been trying to get Equifax To delete hard inquiry from my report with them, the rep say the inquiry was verified and I told her that cant be true I never tried to attain credit with any on the companys, I was in Bankruptcy and my lawyer told me not to apply for anything while in the program I tried 3x to get the inquiry remove with Equiifax she say she had sign paperwork I ask her to send me copies where I authorized them she then say call each consumer yourself to get them deleted help accounts including XXXX for {$1000.00} I sent letter showing what the company stated that the account will be deleted and they still wont take it off it report XX/XX/XXXX wasnt my account all the inquiry was done is not mines but XXXX XXXX XXXX XX/XX/XXXX I ask them to delete the rest they wont do anything to clear this up I ask for all addresses to be remove but one nothing help me please
Consumer complaint received 2020-12-16
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. (TX)

This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( XXXX XXXX XXXX XXXX ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.
Consumer complaint received 2018-12-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (CA)

A NOTICE OF TRUSTEES SALE WAS SERVED ON MY FRONT PORCH BY XXXX XXXX XXXX   XXXX CALIFORNIA ON FRIDAY XX/XX/2018. THIS IS THE SECOND ATTEMPT BY THIS DEBT COLLECTION AGENCY TO ILLEGALLY SELL MY HOME AT AUCTION .THIS NOTICE WAS SUPPOSED TO BE SERVED TO XXXX XXXX AND XXXX XXXX AS THEY DO NOT LIVE AT THE ADDRESS SERVED, THEY WERE NOT SERVED. MY NAME ALSO DIDNT APPEAR ANYWHERE IN THE NOTICE OR ATTACHED DOCUMENTS NOR WAS THE NOTICE TO PROPERTY OWNER SIGNED IT WAS LEFT UNSIGNED! WHAT KIND OF SERVICE IS THIS? THIS IS BAD SERVICE WICH RENDERS IT VOID. I AM THE OWNER OF THE PROPERTY IN QUESTION AND I WAS NOT SERVED. THIS IS A DEMAND TO CEASE AND DESIST ON THE ILLEGAL AUCTION OF MY HOME AS YOU NOR CHASE BANK HAS VALIDATED THE DEBT, IT IS ILLEGAL FOR CHASE BANK TO HIRE XXXX XXXX TO FACILITATE A ILLEGAL THEFT OF MY HOME .IN NON COMPLIANCE WITH FDCPA 15 US CODE 1692 AND SECTION 5 OF FTC  REGULATIONS.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

In XX/XX/2012 I was encouraged to consolidate my student loans after finished grad school. I had approx $ 40k in XXXX loans and over $ 250k in XXXX loans. I was told consolidating would be cheaper and more affordable payments. I did this and was given a loan through Sallie Mae, which is now served my Navient. I was not thoroughly educated on the interest rate or long implications of consolidation. At the time, my XXXX loans had a fairly low interest rate and payment of around $ 300/month. Perfectly manageable. My consolidation was $ XXXX and interest was set at nearly 8 %. I was making $ XXXX out of grand school. Standard payments on this would have been more than my salary. With the income driven repayment plan I now pay around $ 420/mo. My total loan balance has increased to over $ 450k in the 7 years Ive had the loan. The company has refused efforts made toward lowering the interest rate and with this gigantic balance I cant even afford payments if I tried to refinance the total amount of the loan with another lender. My husband is XXXX XXXX military, so moving has also made it hard for me to advance my wages. They do not take this into account. Furthermore, I am a physical therapist so I work in public healthcare. I was not told that you can only work for nonprofit etc to qualify for certain forgiveness. This is completely unfair, as I am still providing the same needed services to my patients and live in a rural area. I have discussed bankruptcy with an attorney but was advised against it, as I was told they would not likely qualify. At this rate, I will owe nearly a million dollars by the time the loan is done. I will never make this kind of money. What loan companies are doing is fraudulent and needs to be stopped if theres any hope of Americas youth wanting to pursue graduate education
Consumer complaint received 2019-04-20
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. (OH)

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX   {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof.

{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction.

I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered.

I am attaching a statement. Most recent charges are in Euros. But there area few XXXX  charges in Dollars. This is where they are ripping people off.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently disputed an account from XXXX XXXX XXXX that was already paid in full and sent Equifax a copy of the letter from XXXX stating that the account has been satisfied. I received the dispute results and it still states that the account is active in the amount of {$1800.00}.
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Company called XXXX is attaching a collection to my credit report on both XXXX  and Transunion. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (TX)

Over the last 3 years SWC Group has made several unauthorized charges to our XXXX XXXX card small business card. The company name is XXXX  XXXX. We never supplied them with the card number nor did we authorize any of the charges. We even cancelled the card twice and they still somehow are finding the new card number and charging us new amounts. I contacted them on each occasion and they claim they don't have a record of the charge or aren't sure why we were charged but the charge clearly came from them and has been verified by XXXX XXXX. The charges are overturned by XXXX XXXX eventually because they are clearly fraudulent but require us to get a new credit card number and creates unnecessary work. At this point they are just committing fraud and hoping we don't notice to challenge the charge. This has been going on across years with the following charges - XX/XX/XXXX - XXXX, XX/XX/XXXX - {$6.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$64.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX Inquiries : 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 2018-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IN)

I fell a little behind and am still one payment behind. Selene allowed customers to pay payments online. Several months ago they changed their online system so that customers can only pay what is due. Nothing less and nothing more. The amounts are grayed out so that nothing can be changed. I contacted them and was told this was their new policy and that customers would have to call in to make any other payment arrangements. The problem is that as of XX/XX/XXXX when making a payment on the phone a customer is required to pay either an {$8.00} fee on their automated system or {$12.00} with a customer service rep. They also increased late fees. So if a customer would like to pay more on their mortgage loan, they are required to pay this fee. When I discussed this with the customer service rep, it was clear there is no recourse for the customer. It seems that to maintain a good standing with customers they would have grandfathered in customers that have been with them long term. At the very least, they should have contacted customers notifying them of this " new policy. '' This was not done. I see this nothing more than a way to take advantage of their customers and they know there is no way to dispute their ridiculous fees and holding customers XXXX by not allowing them to pay additional amounts on their loans without paying a fee.
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Sunset Management, Inc (GA)

My wife, and I received a loan from Sunset financial, in XXXX, Georgia, in XX/XX/2018. When we got the loan, we asked that my wifes work not be contacted. We were only behind a couple of weeks on our XXXX payment when on XX/XX/XXXX, the manager, Mr. XXXX XXXX, called my wifes work. When the receptionist answered the phone, Me. XXXX, was very loud, rude, and threatening. He told the receptionist, XXXX XXXX, that XXXX, ( my wife ), better call today, or she would have a big problem. This is after XXXX, told him that she was in a meeting and he demanded to speak with her! I called the office and asked Mr. XXXX, not to call and threaten my wife, but he said he will call and do what ever he needs to! That if I didnt get in there that day, that I was going to have a big problem too! 
I called and made a complaint to the companys corporate office. I told them that his bully tactics, and mafia style threats were not very professional. I received a call from the district manager, a Mrs. XXXX XXXX. She proceeded to tell me that this was uncalled for and that she would take care of the problem. 
So, on XX/XX/2018, I went into the store and made a cash payment. After I paid, Mr. XXXX XXXX, stood up and started saying that I was lying and not to come into that store. 
He said We do have a big problem when you dont pay! 
I called Mrs. XXXX XXXX and put it on speaker phone, but she was unavailable. I left a message and told her what was going on. 
I walked out of the store and Mr. XXXX, followed me to my car. I had my XXXX year old daughter in the car and he proceeded to tell me how big of a piece of XXXX I am, because he was a XXXX, and a man shouldnt call in and tell on him. And I should keep my word or Im going to XXXX. He was shaking very badly and I told him to walk back in the store because my daughter was crying. She kept saying whats happening. Why is he yelling? So, I called Mrs. XXXX and left a message with the details.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( JCPenney Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.
Consumer complaint received 2018-10-18
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX.
Consumer complaint received 2023-03-25
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. (MD)

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
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: LEXISNEXIS (MI)

XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!
Consumer complaint received 2019-04-20
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: CITIBANK, N.A. (WA)

A few weeks ago I was purchasing flights through XXXX XXXX ( XXXX ) Upon purchasing I was presented with an offer for a credit card that provided a statement credit of {$250.00} if you use it to purchase your flights. ( AAdvantage ) I signed up for the offer and used the card immediately to purchase flights. I could have used several other cards I have with really good rewards, but I did not due to this offer. 

When I received my first bill in the mail, I noticed I did not receive the advertised credit, which was the reason I signed up. 

I called in to customer service, thinking they could easily help me, but apparently there was two cards accidentally created at the time of sign-up with the second card actually being used for the flights, and also the one I received in the mail.

Obviously I never wanted two cards.

I had to be escalated to a manager who said there was nothing they could do because there was two accounts created, and my offer was stuck on the " first account '', which was never used.

I explained that I only used one of the cards to buy the flights ( $ 800+ ) and I just wanted the duplicate card closed and my statement credit fixed. 

They repeatedly told me that because there were two cards created, I am out of luck, and there's nothing they could do for me. 

I explained over and over that the multiple accounts being created was an accidental circumstance that I never wanted to happen. 

All they had to do was hear me out, realize that two cards were created in error, and hook me up with the credit as advertised. 

So, I cancelled both cards and I am avoiding doing business with either Citi or XXXX XXXX ever again. 

This was a blatant slap in the face which should have been the beginning of a new customer-business relationship. 

I had planned to use this card generously. 

This was one of the most illogical and ridiculous things I have ever experienced, and a terrible way to start a new relationship with a customer. 

From a managerial standpoint, my mind is completely blown. None of this makes any sense, that they would let someone who spends over {$10000.00} on credit cards per month due to a self-owned business completely walk away, so unhappy. 

CITI DOES NOT CARE. 

The employee who denied me is named XXXX and his work code is " XXXX ''