davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified as incorrect on my LexisNexis Accurint Report.

The item in dispute is the Incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). 

This is my fourth notice to LexisNexis regarding the Incorrect Possible Properties Owned by Subject that LexisNexis continues to erroneously report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. 

Enclosed is a printout of the public record information regarding the property from the XXXX XXXX, Illinois Clerks Parcel Information Look-up website that supports that I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX See attached Supporting Document # XXXX ). 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (CO)

I have reached out to the creditor and the credit bureaus on multiple occasions. I have received no response. This account wads open XX/XX/2015, It is and outdated account that is reporting has charged off but has a negative balance. This account has been paid in full and is out of the statue of limitation of reporting.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/2019 at XXXX at XXXX a company by XXXX has stolen my money in the amount XXXX from my bluebird account with out my permission i don't know who these people are or what they are they took me royally and dearly this is my social security account they took from i need help. I filed with the FBI
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

Let me begin by saying I take ownership in the fact that I was not reading my statements. I would open my statement, read my balance, and make a payment, but not thoroughly reviewing any charges. Last month I noticed an account maintenance fee, and I called to inquire what that fee was. The first thing the rule young man on the other end of the phone said was that its always been there, and Ive been paying it. So I explain to him that I had not noticed it before and what is it? He responded to say its a fee used for dealing with their customer service so I explain to him that Ive never had to call customer service, so please remove the fee. He said they could not remove the fee because its part of their service so then I asked him to go ahead and close the account and he said OK and advised that would stop that monthly fee. I just received my XXXX statement, and the fee is once again present so when I called today I received a totally different story, unrelated to the one that the previous agent had shared with me. Today I was advised it is a fee that can not be removed, but she really could not explain to me what the purpose of the fee was. I feel like they are taking advantage of people who are working hard to rebuild their credit with this type of fee.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

My monthly student loan is approximately {$90.00} per month. Around XXXX 2017 I made a conscious decision to try to pay off my loan a little faster. So I contacted Navient and explained to them that I want my additional payments applied to my principal. They stated that they would do it but a few months later when i checked back my loan did not decrease it was practically the same. I called back and they said it was applied to future payments and i explained again that i didnt want it applied to future payments but applied to my principal but to this day they are still applying it to future payments and not my principal.
Consumer complaint received 2023-03-18
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. (NJ)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without written instructions
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (IL)

I checked my credit and saw an account from Southwest Credit Systems for XXXX in the amount of {$640.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.
Consumer complaint received 2021-11-10
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. (GA)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT THESE ARE THE FRADULENT ACCOUNTS 1. XXXX XXXX XXXX XXXX. XXXX 2. XXXX XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX. XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX. XXXX 8. XXXX XXXX. XXXX 9. XXXX XXXX XXXX  XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/2023, I requested direct deposit to my bank for the {$100.00} reward. 
According to the Bank-Rewards Activity web page, a {$100.00} Direct Deposit transaction was completed on the same day. See Exhibit XXXX XXXX 
On XX/XX/2023, my bank received a direct deposit from " COMENITY CAPITAL CC REWARDS PPD '' but it amounted to only {$1.00}. Unfortunately, {$99.00} are missing. See Exhibit # XXXX from my bank. 
I made several attempts to resolve this matter with the bank via the internal messaging system and phone calls. 
Send a message on XX/XX/2023 Send a message on XX/XX/2023 Call on XX/XX/2023 Call on XX/XX/2023 During the call on XX/XX/XXXX, the customer service representative briefly mentioned that the bank has some technical issues with missing XXXX decimal points during direct deposits. My request to confirm the same by email and provide me with an Estimated resolution time was rejected. 
Unfortunately, none of the above communication attempts resolve my concern and as of today, Im still missing {$99.00}. Sound like the bank is running some customer scam. 
See Exhibits in the attached document
Consumer complaint received 2023-07-07
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. (FL)

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.

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 2023-03-18
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: GOLDMAN SACHS BANK USA (VA)

I purchased an item recommended by XXXX and got scammed. It was a fake watch, Goldman Sachs ( GS ) was not helpful, the seller was not in America like they represented and said they sold sliding glass doors, not watches. The seller provided GS with a one page document. I paid XXXX XXXX to have the watch appraised and submitted a 20 page XXXX of interaction with the seller and fraudulent claims. I finally was told by a GS call rep to file a police report. I have and have mailed the printed pdf of proof to GS. I have been flagging this transaction since XX/XX/2022. With each denial I have emailed GS additional proof and they say they dont have it.
Consumer complaint received 2019-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

On XXXX XXXX 19 I made a payment to NewRez ( aka XXXX XXXX aka Shellpoint Mortgage Servicing ) in order to make up an escrow shortage of {$540.00}. This was supposed to lower my monthly payment to {$1600.00} per month. I noted, on the check, this payment was for escrow. NewRez received my payment on XXXX XXXX 19.  Although NewRez received the funds they did not apply it to correct the escrow shortage, resulting in a higher overall monthly payment. NewRez misapplied my payment as a partial payment. I have called at least three times since XX/XX/XXXX to resolve this. Each time I have been promised the error would be corrected. As of XXXX XXXX 19 this issue is not resolved. The mortgage was recently sold to XXXX XXXX ( aka NewRez ) and I am in the allotted grace period for punitive actions.
Consumer complaint received 2021-11-10
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. (IL)

I've sent disputes to Equifax regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Equifax to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number : XXXX 3. XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX, Account Number : XXXX 7. XXXX Bank, Account Number : XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

In the last week, I attempted to log into my Chase account and pay one of my credit card bills. In an attempt to do so, I was faced with two new disclosures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreement. Not only did I actually try to read the ONE HUNDRED AND TWENTY FOUR PAGES, but I was then timed out when on page 11. I refuse, with good conscious to blindly accept such a massive document and being timed out after 10 minutes. As a consumer, who in their right mind would blindly agree to terms that they can even read in its entirety. This is misleading, bullying, and truthfully unlawful. I am not able to access any of my accounts without just shrugging it off and accepting- which I am assuming millions are actually doing. I refuse to do so and fall at risk of being late with a payment. That's not okay... I have impeccable credit, but I also like to be an informed citizen who is entitled not only to my money, but understand the scope of a legal binding agreement without distrust in the institution.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-09
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 (NC)

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$22.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (OH)

Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX  in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.
Consumer complaint received 2019-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

on the XXXX of XX/XX/XXXX I made a wire a transfer of {$25000.00} to a merchant called XXXX. 
It turns out that the details ( wire details ) transferred the money to a XXXX Bank account called XXXX XXXX XXXX - this account obviously had no connection to the merchant I had ( tried ) to transfer the money to. 
In the end of XXXX I realised that this transfer was probably a money laundering or wire fraud attempt and I asked my bank ( Chase ) to recall the transfer. 
They came back to me saying that there was no more money in the beneficiary account and that they could not recall the money. 
The Recall Case Id : XXXX I feel that Chase should have shown due diligence and should have " flagged '' this highly suspicious amount and warned me not to transfer it to the suspicious beneficiary.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I hold a master credit card with Bank of America. Every XXXX of the month is my due date. My XXXX statement with due date on XX/XX/XXXX was paid in full on XX/XX/XXXX ( days before my due date that it was on XX/XX/XXXX ). Today, I observed a {$24.00} interest charge. I called Bank of America, because I always understood that if the customer makes the full balance payment for the current statement then the customer should not get charged any interest. It did not happen with Bank of America. I called the bank today XX/XX/XXXX at XXXXXXXX XXXX and after XXXX minutes on line, they refused to assist me. I made another phone call same day XXXX and I was hour and XXXX minutes on line with them. First, the representative stated that my request has been denied then I requested to speak to the supervisor and she stated that the interest charge is for the time in XXXX that you had a balance. I responded to her that in the more than XXXX that I hold and use credit cards, I have never seen that a credit card will charge you an interest after the full balance has been paid before the due date. The supervisor from Bank of America maintained her position that she will not remove the fee and I should pay the interest for the time of XX/XX/XXXX through XX/XX/XXXX that I was holding a balance because there were interest revolving during those days. I stated that every credit card has a a daily revolving interest, but when the balance is paid in full by the due date then the customer should not be penalized with interest rates. She was very dismissive and she told me that she will hang out the phone to me and she did without removing the interest charge that the Bank applied after the balance was paid in full before the due date.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

After being financially impacted by XXXX  I have been struggling lately to open a bank account and keep my XXXX  account paid for with the premium protection and no later than not even XXXXwo months of not paying for that premium protection and having my credit monitored all of a sudden my good standing credit accounts reporting delinquencys in my payment and close my account. I immediately notified the bureaus I filed my disputes and it started changing my information as I did a dark web scan with my premium membership experien was able to detect that my phone number and my email address were being hacked into and distributed across the dark web leaving me to become a victim of identity theft and thus having my good standing accounts being frighted sadly to say the good credit that I was building has taken a huge plumbing and due to the fair credit reporting act I dont feel that this is fair nor is it accurate as Ive always made my payments. I plan to take this further with the merchants themselves however as far as the bureaus are concerned it is their job to report accurately and fairly and due to the current fair credit reporting act this is not fair and I want my credit back to you its good standing immediately
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

XXXX, XXXX XX/XX/XXXXdeliberately accessed my credit report WITHOUT my consent. This is illegal. 
Then she asked me to sign a document for a loan, where she misquoted the terms, after I had over four ( 4 ) hours of major dental work and was heavily sedated and fatigued.

Also, over four ( 4 ) hours earlier, before I was in extreme pain and fatigue, she verbally agreed that I could pay with my credit card, half of the fee, that day ; and the remaining balance when service was completed. 

I am XXXX years old, XXXX, XXXX XXXX took advantage of me by deliberately : - illegally accessing my credit report without my consent ; - unilaterally changing our prior payment agreement ; - informing me about her above-listed actions when I was in distress. 
- having me sign an agreement, and falsifying the terms, while I was in distress. 
- this voidable agreement was at 27 % interest rate, while my credit card was 22.25 % interest. 
She put me at a financial disadvantage of XXXX basis points. 

Comenity Bank did an investigation, and after 90-days they just gave me the agreement that I signed under duress.