davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I called Equifax to get the incorrect information disputed on my account. I was unable to do so over the phone because documentation was needed to be faxed over so I went online to do it. I uploaded all required documents and continued to call to speak to someone to talk with them about what was needed to be disputed over the phone. After calling throughout the day speaking to a Supervisor getting the run around no one wanted to help. The one person who was willing to help said to me go in the system and upload the document that needed, I will wait on the line once you do let me know because I pulled up the license ( one of the documents being requested ) he was able to do this because I gave him the dispute number ) I was not able to stay on the line with him because in turn I put the wrong password into the account and my account was then locked due to an incorrect password and I had to wait the 30 minutes to be able to log back in. The excuse being given is call back because the system is being updated and we cant pull up the file when not even 10 minutes prior I called was on hold with someone and the person hung up. This started at XXXX and continued with until XXXX. I have yet to be helped and the documentation is there in the system already. I have dispute confirmation numbers to prove such. I spoke with 7 associates and 1 supervisor. Again the end the excuse as stated was our system is down and we can not access your account. This is only happening because I am being persistent and wont take no for an answer because no one wants to actually do the work. This is unacceptable when this is not my fault at all. They want consumers to use credit in America but EQUIFAX wont take responsibility for mixing up two credit files. I did what was asked of me and now Im getting the run around and its aggravating. Please I am asking for your help in this matter. I shouldnt be treated this way as a consumer not to mention this is holding up be being able to securely apply for things especially when I know that my credit is clean.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IN)

I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XXXX/XXXX/XXXX balanceXXXX, XXXX/XXXX/XXXX balance of XXXX, XXXX/XXXX/XXXX balance of XXXX, and XXXX/XXXX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
Consumer complaint received 2022-09-08
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: Nelnet, Inc. (TN)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (NJ)

I received a notification that I owed {$440.00} to a Hospital in XXXX Missouri. This was on XX/XX/2019. I asked the collection company Senex Services CorpXXXX of XXXX Indiana to give me documentation for their claim that I owe {$440.00}. I have heard nothing from Senex. I do not owe this, but they reported it on my credit report.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX, all have 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 an account without my written instructions.
Consumer complaint received 2017-07-06
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)

On XX/XX/XXXX I submitted a legitimate dispute to Transunion in reference to three accounts that are being reported incorrectly as well as three unauthorized inquiries.and an inaccurate address that Transunion reports on my current credit file.
The three incorrect accounts, three unauthorized inquiries and inaccurate address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Transunion claimed they disputed this information and updated with a completion date of XX/XX/XXXX. There is no way this was an adequate investigation.They have yet to send any proof of how they conducted their investigation. Transunion is continuing to falsely report inaccurate and incorrect information on my credit file which is causing me unnecessary stress, not to mention tarnishing my credit report. I have documentation where these three accounts have been updated to a current status by the creditor on current previous Transunion credit reports. I also have documentation where the creditor has sent correspondence to Transunion to correct the status to " Current ''. Clearly this is a violation of the FCRA to report false incorrect information on a consumers credit file. Also Transunion continues to report unauthorized inquiries on my credit file. I did not authorize these inquiries and the companies did not have permissible purpose and they are not factual. These need to be deleted because no one has sent me any applications bearing my signature.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

On XX/XX/2021, I received a notification from XXXX  regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I used my Chase Rewards points to redeem a {$25.00} XXXX gift card. Chase sent me an XXXX XXXX gift card, which is owned by XXXX  but different from their general store. I ordered the general XXXX  gift card so I could purchase XXXX or XXXX products. I am not a baseball fan, so an XXXX XXXX gift card is worthless to me, as the XXXX XXXX gift card can not be used in other XXXX stores. I took a screenshot of the receipt which reflects the XXXX  gift card that I ordered. That and the gift card I received are attached to this complaint. 

I contacted Chase immediately upon receiving the incorrect gift card on XX/XX/XXXX. I was told the points would be refunded but it would take 2-3 weeks for the issue to be escalated to the proper department. Today, XX/XX/year>, I contacted Chase to follow up because I had not received the refund nor any communications from Chase regarding the status. After being transferred to a supervisor, I was told that the escalations team he denied my refund and there would be no further discussion. They just kept repeating that I agreed to Chase 's terms and conditions which apparently provides that they do not have to honor any redemption. I asked repeatedly what my other options were and if there was any way to get the gift card I ordered or have the points returned to my account. The representative would only say that the decision is final and that there will be no further consideration.
Consumer complaint received 2022-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SECURITY CREDIT SYSTEMS INC (MD)

Security Credit Systems IncXXXX called me and my place of employment on XX/XX/XXXX about a student loan with XXXX XXXX University that was already dealt with ( via loan consolidation with XXXX ) in XX/XX/XXXX. They not only called me at my work number, they called a co-worker, and the front desk at my job and asked to speak with HR. I called them back and they were very rude, threatening, and predatory. They told me that I have this on my credit report and that i need to make payment today. When I told them that I would like to look into the matter myself before sending payment, by pulling my own credit report and contacting XXXX, they told me that my offer would not be valid if I did not call them back tomorrow. They claim that I owe them {$11000.00}. I pulled my credit report and did not see that debt listed. I also called XXXX and they confirmed to me that the debt was consolidated successfully back in XX/XX/XXXX.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Since 2018, Care Credit has been inaccurately and overcharging me for interest on promotional purchases. Apparently some promotional purchases expired before I had been able to pay them off, I was charged the interest I would have accrued ( which is accurate ) and then charged interest on that interest. 

One single example is a purchase for {$1300.00}, where I have been billed {$430.00} of interest. 

All the statements I have access to have been attached to this complaint for review but there are statements dating back to 2018 that need to be reviewed. I would like the interest from ALL transactions on the account for the entire history of the account to be reviewed and corrected and refunded.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2014 I tried to have my credit report freeze with Experian temporarily lifted so I could get a credit increase on my credit card with XXXX XXXX. I repeatedly and tenaciously attempted to do this both online and via telephone. The Experian website offered me a P.I.N. that I could give to my bank to temporarily unlock my credit report, but my bank told me that they could not use a P.I.N., and that I should call Experian for assistance. 

Contacting Experian has been time consuming, frustrating, miserable, fruitless and IMPOSSIBLE! Experian is wasting my time, depriving me of the credit that I deserve, and XXXX me off. The government ought to put Experian out of business tomorrow morning. 

First I had to go on a treasure hunt for a telephone number to contact Experian, because a telephone number is either very well hidden or else nonexistent on the Experian website. I used several telephone numbers that I found on the internet and called them to no avail. Each Experian number I called required me to wade through seemingly endless voice prompts, starting with " For English, press 1 '' which is to accommodate, at my expense, mind you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I finally was finished growing older and older and older and older while wading through computerized voice prompts, the end result for each of the several telephone numbers that I called REPEATEDLY was a recorded message telling me that Experian could not assist me, or words to that effect, along with a monotone apology and a suggestion that I " try again later '', followed by disconnection. This happened every single time! If it is impossible to get help from an Experian computer over the telephone, FORGET ABOUT EVER SPEAKING TO A HUMAN! Not gon na happen!
Consumer complaint received 2022-09-08
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. (FL)

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Consumer complaint received 2020-05-29
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX  XXXX &XX/XX/2020
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. 
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info. 
After the 2nd letter they start charging you for their insurance. 
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
If you call you are sent to a call center, and are told they have no knowledge of your account. 
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency. 
Our loan number is XXXX. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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)

The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Law Offices of Les Zieve (CA)

ATTORNEY MISCONDUCT COMPLAINT Date : XX/XX/XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Servicer : XXXX XXXX XXXX XXXX  Trustee : XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : My name is XXXX XXXX XXXX, I am the Trustor for this property.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX XXXX talked to XXXX XXXX Trustee Sale Offcer on XX/XX/XXXXand gave him the information that the Temporary Restraining Order ( TRO ) is granted, requested him to postpone the sale, he said that he does not know that he can postpone it, he need to contact the loan servicer_XXXX XXXX XXXX XXXX XXXX ( XXXX ) to find out how they want to proceed the sale even he know that the TRO is granted.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX again and talked to XXXX XXXX and noticed her about the TRO, she said the sale date isXX/XX/XXXX nothing changes. She said that if I need more information I need to submit it in writting.

XXXX called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXat XXXX talked to to XXXX XXXX Trustee Sale Offcer to notice him that the borrower reinstated the loan, wire amount is {$190000.00}. He confirmed that the sale date is XX/XX/XXXX at XXXX.

XXXX  called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXtalked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX confirmed the sale is active, sale date isXX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX again onXX/XX/XXXX talked to XXXX XXXX XXXX XXXX  confirmed the sale is active, sale date is XXXX XXXX XXXX at XXXX. He advised XXXX call XXXX XXXX a paralegal for XXXX phone number is XXXX. He told XXXX that as of yesterday ( XX/XX/XXXX) he confirmed with XXXX  that no payment has been received.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXXat XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

This law firm is not Maintaining The Integrity of the Profession Rule 8.4 Misconduct.

This law firm violated Rule 8.4 Misconduct.

( a ) violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; ( b ) commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation.

Attachments : 1__XX/XX/XXXXReinstatement from XXXX__XX/XX/XXXX 2__Wire to XXXX__XX/XX/XXXX 3__Wire to XXXX XXXX__XX/XX/XXXX 4__Sale Date__XX/XX/XXXX 5__State Bar Complaint__XX/XX/XXXX
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I opened a Citi checking and savings account XX/XX/22 with a {$30000.00} transfer from my checking account with another bank. On XX/XX/22 2 days after I was making a {$5000.00} transfer from my Citi savings account to my brokerage account, I received a notice that my transfer to my brokerage account did not go through. Upon further investigation, I found through the Citi app that both my checking and savings accounts had been blocked from my access. I have not as of this day XX/XX/22 received any formal text, call, or e-mail, or mailed statement telling me that my account has been blocked. 

The first time I was able to contact a representative, he stated that my account had been flagged for fraudulent activity and that my account was now blocked and any funds would be returned to me by check in 30-60 business days. I requested further information and was told that there was a fraudulent alert issued by the other bank account that I had originally transferred funds to the savings account from. 

Upon investigation with my other bank, they stated that this was a false statement as they do not flag fund transfers between bank accounts and that there was no record of flags ever having been on my account. 

This led to my second attempt to contact Citi which led me to a second representative who again stated the same scripted statement that my account was blocked, would be closed, and that I would receive a check in 30-60 business days. I pushed for any kind of background information after voluntarily offering to confirm my address as well as the last 4 digits of my SSN. At this point she simply wished me a good day and hung up the line. Note that each phone call takes approximately 10 robotic messages to reach a human representative. 

The funds that i've deposited in my Citi accounts make up roughly 90 % of my liquid funds as well as my full emergency fund that i'm able to pay my bills with, buy groceries, etc. Any kind of interruption in my regular income will most likely affect any financial stability that I currently have.
Consumer complaint received 2021-10-04
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: LEXISNEXIS (TN)

I have recently been made aware that LexisNexis has illegally obtained my personal information including a bankruptcy without my consent and has been selling that information to various other consumer reporting agencies including, XXXX, XXXX, and XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Congress states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for a consumer 's right to privacy. Also, pursuant to 15 USC 1681 ( a ) ( 2 ), Congress states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I have not, at any time, given Lexis Nexis written instructions to report a bankruptcy on my consumer profile. This act equates to Identity Theft. I have sent a letter to Lexis Nexis asking them to remove my information from their database, which they have received via certified mailing. ( attached below )