davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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: LEXISNEXIS (NM)

In early XXXX of 2021, my insurance company, XXXX informed me my home insurance rate would be increasing by nearly {$400.00} because credit information provided by XXXX determined that information they had gathered negatively impacted my XXXX XXXX. 

I was astounded since I have always paid bills on time, paid cash for everything except XXXX houses and have no debt. I could only conclude this was a case of misinformation or identity theft. In my 47 years with XXXX, I have never received such a notice. 

I immediately wrote Lexis /Nexis on XX/XX/2021 at the address XXXX provided, along with a reference number provided by XXXX XXXX I mailed the letter return receipt requested. The letter was received by Lexis nexus on XX/XX/2021. There was no response to my request for my report. 

On XX/XX/2021, I wrote lexis/ nexis again, requesting a credit report .This was also mailed with a return receipt requested. Records indicate lexis /nexis received this request on XX/XX/2021. Again I received no response. 

This time I also copied XXXX with my second request and included a cover letter explaining why I thought the credit report was inaccurate, and that XXXX had 47 years of me as a client to determine whether I paid my bills on time, had suffered adverse effects due to bankruptcy etc., since they also handle my bank accounts, as well as other insurance needs. This was also sent with a return receipt requested. 

I also requested that XXXX contact me in writing with their response, because I wanted a record for my files and also because I wear XXXX  XXXX and phone calls mean a lapsed time connection where I live.This letter was also sent with a return receipt request. 

On XX/XX/XXXX, person named XXXX from XXXX contacted me by phone ( never mind my request accommodating my XXXX ). After a discussion, he filed a digital request for my credit report on a XXXX portal and told me lexis/nexis would send my report in 5 to 7 business days. I have still not received the report. I can not address any credit issues without this report and continue to be impacted financially with higher insurance rates.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
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 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/XXXX the talked to SPS select portfolio services to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with XXXX please fix. XX/XX/XXXX the per attached pictures said late changed to current per SPS Last night XX/XX/XXXX SPS select portfolio services hit my credit with XXXX again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
Consumer complaint received 2020-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinman Acquisition Group (TX)

Weinman Acquisition Group continually calls me after I told them to STOP calling my phone. The rep goes on to say I will call you three more times how bout that and do what you have to do?? I 've emailed and called them to stop these harrassing phone calls and they still do so. Now I will file a lawsuit in court. Also stating a warrant for my arrest would be served if I do n't contact them. I have a voicemail stating that.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied and got approved for a business and personal Chase XXXX XXXX Credit Card in XXXX of 2017. At the time there was a promotion that stated I would receive XXXX miles for any friends I referred. 
I referred my mother the same month and she also opened a business and personal XXXX credit card. About two weeks later after she opened her credit cards, I called Chase customer service to see if my referral points had been issued. The representative stated that it would take a few weeks before I saw them reflected on my online mileage statement. 
Months passed and I finally got around to reviewing my mileage statement earlier this month and realized 8 months after I referred my mom my mileage had yet not posted. I called Chase again and they stated that the original representative had not informed me correctly, and that in order to receive the referral, my mom had to use a special link which would then link me to the referral. I explained to her that I was not told that by the original representative and the current representative acknowledged that there were no notes on the system from the original representative advising me of the process. 
She then told me to contact XXXX to resolve the issue. I called XXXX airlines and after holding for over an hour I was informed that I needed to call Chase again because I was told incorrectly. Chase was running the promotion so they were liable for the XXXX mileage credit. 
I then called Chase again and escalated to a manager who apologize and stated he would request my mileage to be posted. A few days passed and I got another call from a Chase representative who stated that I would not be getting my referral mileage after all because my mom opened her credit cards on the same month as I did. 
I asked him where on their advertisement does it state that the referral can not open the credit card the same month as the person making the referral. The representative stated that this information was not on any of their advertisements and that legally they did not have to disclose the terms and conditions of this.
Consumer complaint received 2021-08-13
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)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 XXXX
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MA)

I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a few accounts that show in collections and some that show past due, this week my credit score went down because it was showing that I was 60 days past due on an account that has been paid off. 
One of the accounts that is in collections and has been paid off is for XXXX XXXX XXXX collect, for the amount of {$450.00}, payment was made on XX/XX/year> - confirmation number # XXXX Another account is First Credit services, for the amount of {$170.00} this account also has been paid off. - Account was paid around XX/XX/XXXX These XXXX accounts have been removed from XXXX and XXXX, and I am not sure why they are still showing with TransUnion.
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Management Company (PA)

I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I am in the process of applying for a home loan and in the process I discovered that Macys reported a charge off/collections under my social and name to XXXX from XXXX. I previously had a Macys account and closed the account in XXXX but XXXX paid the account before closing it. I contacted Macys about the charge off to see what was going on and they informed me that they did not report a charge off and the only records in their system indicate that I fully paid off the balance and closed the account in XXXX. Since they could not seem to find anything, they referred me to Citi Bank who might have more information. Upon contacting Citi Bank, they shared the same information Macys shared. I had an account in XXXX with Macys and the account was fully paid off and closed in XXXX. I do not owe them a balance of {$1300.00} as the charge off amount indicates on any XXXX  Credit Report. Citi bank suggested a submit dispute as I do not owe them any money and they have no record of this charge off. I spoke to Citi Bank representative named XXXX.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report o this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-01-24
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: Experian Information Solutions Inc. (AR)

I have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (TX)

During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (NC)

I contacted the national credit system a debt collection company many times, by phone and by letters. with this i asked to validate my account, then submitted a settlement offer to the company. when i made a call to the company i was spoken to very abusively and disrespected horribly, i was just trying to make an reasonable offer and settle me debt. I want someone to be aware of this company 's unprofessionalism
Consumer complaint received 2022-09-09
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. (NY)

I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc. (MA)

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

On the morning of XX/XX/XXXX, noticed an {$87.00} charge. My payroll check was deposited at XXXX. At XXXX XXXX, the funds were withdrawn from my account. Below is the message received to my email. ( {$360.00} available after {$87.00} purchase at XXXX XXXX XXXX on XX/XX/XXXX XXXX CT with your NetSpend card ending in XXXX. ) I have never purchased anything from them, and it is not a recurring charge. Nonetheless, I had disputed this on the XX/XX/XXXX and was told I had a XXXX business days wait. On the day in question, I spoke with XXXX, who I asked not to block the card until I went and withdrew my paycheck from my Netspend card. When I got to the bank the card had been closed. <P/>I received my card XXXX days, only to find out that XXXX ( who took initial complaint ) never followed up and began the dispute of fraud that took place on XXXX XXXX 2017. Understand my frustration, waiting additional days for my card. I had to borrow money from family to pay bills and get gas for my car. I called and explained myself several times, and after not getting anywhere, I requested to speak with a supervisor. The customer service rep assured me I would on hold 1-5 minutes. Forty-two minutes later, CJ a supervisor gets on the phone and apologizes for the delay. <P/>In the interim, I called from my daughters phone, after waiting 35 minutes on my phone to see how soon I would get a supervisor. I waited less than 15 minutes. I spoke with XXXX, who I explained my frustration with XXXX and the other customer service rep by the name of XXXX or XXXX, but I can recall he had me on hold for forty-two minutes! Finally, got XXXX who was cooperative, and listened to my frustration of having to wait that amount of time, but when I was informed I had an additional XXXX MORE DAYS to wait for my monies, I was more upset and asked if it can be expedited since XXXX did not follow through from the first day it was reported! Was informed a {$25.00} shipping would need to be paid. I opted out. On XXXX XXXX, 2017 I received an email on Netspend site to my account, stating " based on the information we had and the facts of our investigation, we do not find that an error has occurred, no funds will be credited to your acccount as a result of this claim, and this matter is considered closed. '' Also offers any documents that were utilized to determine decision. I requested and am still waiting. <P/>I work part time, due to my XXXX XXXX, unable to work full time. As I said, I have never received anything from this company and was not provided any proof of any order to my home. After waiting several days, I was told that after they conducted their investigation, and was not receiving any refund. I never saw any paperwork or ordered anything. I usually purchase at a vitamin store or XXXX. <P/>Thank you for your attention to this matter. <P/>Sincerely, XXXX XXXX