davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
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: EQUIFAX, INC. (TX)

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... Equifax ... XXXX ... nor XXXX have done such. The inquiry is STILL on my credit!
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (TX)

They were providing false information related to account numbers and reference info after I had submitted a payment. What was most disappointing was the fact that this debt was not even mine. Someone had used my social security to obtain service through att and I was paying for it.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.
Consumer complaint received 2017-06-17
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: EQUIFAX, INC. (FL)

I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Consumer complaint received 2020-04-10
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (CA)

In the month and date of XX/XX/2018 it was reported on my credit report that I was delinquent 60-89 days on my account when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank, but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a personal loan because of this mark on my credit and the company will not help me with this unpair situation.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX. 

The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information. 

On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call. 

On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim. 

Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

42 USC color of law Citi bank upon entry phone system stated that no credit report would be consider for line incresse. However letter recieved was upon credit report.Decitful business practices.
Consumer complaint received 2017-06-16
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. (CO)

Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years
Consumer complaint received 2020-01-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

mY COMPLAINT IS WITH EXPERIAN REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

I do not use the card, I did not notice that there was an unauthorized charge in the amount XXXX on XX/XX/17. I did not pay the bill and then started getting emails and past due notices. When I realized, I contact them and they reversed the unauthorized charge yet continue to bill me for late charges and interest on a charge that they have reversed. I called them, they agreed but could not figure out how to transact it. They were combatative. This had impacted my credit and it is harassment.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2021, I began the process refinancing of my mortgage with Well Fargo my current lender. Since this time I have had several conversations with office managers regarding the delayed process of my loan and lack of communication. The request was made to send documents of income that were sent, weeks later I'd get another request for the same documents ( this has happened at least 3 times ) I have emailed with no response and have had to communicate with other employees at the call center for assistance. It is now XX/XX/XXXX and I continue to get the same message regarding a rate lock which I have reviewed several times. It is impossible to get a hold of my loan officer and when he does send an email its at the close of his business day thus I am unable to call or when I send an email response I do not get a reply and usually end up having to contact the call center. This complaint has been brought to their attention on 3 or more occasions and usually, the response is an apology with no resolve. It should not take this long for the process! 

Please help!!
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Discovery Systems, LLC (MO)

XX/XX/2018 at XXXX XXXX - I was finally able to get this Debt Collector, XXXX, on the phone. I had to XXXX this phone number to find out information on this company and it appears that the name of the company connect to this number is Account Discovery Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, https :  //accountdiscoverysystems.com/contact/. They were very rude to me on the phone. I asked them to send me information on this debt in the mail along with a validation of this debt as I no longer have this Kia Sportage they referenced in their voicemail message and that XXXX XXXX XXXX XXXX XXXX XXXX had recently sent me a check for about {$40.00} in the mail recently regarding this account. They claimed that they were not representing XXXX but another third-party collection agency. This left me confused. They also refused to send me anything in writing regarding what they claimed I owe. They said that I was refusing to pay a debt I owe because I was asking for information on a debt that they claim I owe to a third party that is not even XXXX whom had recently sent me a check and for which I have the legal right to request information. They also threatened me with legal action since they said that I am refusing to pay a debt that I don't have any information about. As far as I am concerned my business with XXXX should be completed with the sending of this check in the mail to me. Their refusal to send me any information in writing regarding this debt that they claim I owe, their refusal to send me a validation of this debt are all business practices that goes against the Fair Debt Collection Practices Act. Also a quick XXXX search of this number reveals that this company has been sued multiple times and has had several complaints placed against them for unfair debt collection practices : https : XXXX, https : XXXX XXXX & XXXX & XXXX & XXXX & XXXX, https : XXXX, https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX ... XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are even XXXX XXXX dedicated to this company due to all of the complaints and lawsuits that have been files against it : https : XXXX. Please help me to resolve this issue with this horrible company and let them I do have the legal right to ask for information in writing, I do have the legal right to request validation of the debt that they claim that I owe, not to them and not to XXXX but to some other third party. Thank you.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I 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 XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On various dates, someone used my debit card to make unauthorized purchases at XXXX and XXXX XXXX XXXX  for a total of {$350.00}. I called Navy Federal Credit Union on the night XXXX XXXX, 2024 to file a claim explaining that I was not the person who made the purchases on my debit card. At XXXX am  on XX/XX/XXXX, without contacting me, NFCU emailed me to state that my claim had been denied. Obviously, no investigation into my claim was made since NFCU denied it without contacting me and within a few hours of receipt.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

I received correspondence from Pressler & Pressler stating I allegedly owe them another {$2600.00}. I have found errors in their accounting. Per the numbers they sent me, they have collected {$3200.00}. This is incorrect. Just for XXXX alone, they report having collected {$1900.00}. Per my pay stubs on my former companys website, they have taken {$2100.00} from me in XXXX. 

From XXXX to XXXX, they state they have collected {$1300.00}. They have not provided where they got their numbers from and I am unable to verify and reconcile their reported numbers from XXXX to XXXX. The temp agency I worked for at that time does not keep records from that far back. Per the numbers Pressler & Pressler reported, they have collected a grand total of {$3200.00}. This is also incorrect. 

Per their numbers reported along with the records of my pay stubs, they have taken from me a grand total of {$4100.00} and are demanding another {$2600.00}. 

I do not find it prudent to send them any money or fair for them to garnish my wages without proof of debt. They didnt even provide where they got their numbers, as well as refused to provide proof of where the debt is from and have only listed the dollar amounts. If there are errors like this in their records, what is to stop them from making up another dollar amount and demanding more from me in the future after this is settled?
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I opened an account on  XXXX / XXXX /   2017  with Citibank using my  XXXX  number. They opened the account and I funded it with a transfer from my neighborhood  Credit Union  account. Everything was fine, they sent me a welcome packet, a card and some checks. They  one  day I was unable to use my account. Then I received an intent to close letter regarding my newly opened account stating they had received information from  XXXX    XXXX    XXXX  and that they  XXXX   XXXX   XXXX  was going to close my account. They said in the letter Dated  XXXX / XXXX /   2017  that I needed to step into a branch to close the account, or they were going to close it within 10 days of the date of they letter. I had transferred over {$2500.00} into this account, and Even opened up a  CD  with them at this point. They also stated in the letter that no more deposits were going to be able to post or debits. A week later a transfer that I could not cancel that was set into action before I knew of the closing was deposited into the account, yet I can not get any of the funds out and they still to date  XXXX / XXXX /   2017  have not closed the account. I have spoken to them on the phone and all they tell me is I need to call  XXXX   XXXX    XXXX   and they will be the ones to issue of the check with the balance of the closed account.
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (MD)

I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again. 

After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid. 

The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen. 

I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped. 

My dob is XX/XX/XXXX. The last four of my SSN XXXX.
Consumer complaint received 2024-03-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

Prepaid gift card was purchased in XXXX of XXXX for {$75.00}. 

I tried to use said gift card at an online retailer of choice on XX/XX/XXXX for a purchase under the balance of the gift card. XXXX was declined and I immediately called AMEX support for assistance. They said there was nothing they could do and that I wasnt able to use the card at that retailer and that it was an issue in the retailers end. Followed up with the retailer and they provided me information saying that the bank declined the transaction and to contact AMEX again to solve issue. 

I called AMEX support again on XX/XX/XXXX and they were again saying that it was an issue with the retailer and wouldnt help me solve the issue.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I settled account # XXXX with Bank of America/ XXXX . I recently reviewed my credit report and I have noticed that Bank of America is still reporting my account inaccurately. XXXX  is still reporting this account as " Derogatory '' instead of " paid. '' They have continued to report inaccurate reporting to XXXX  and XXXX  after I have written the credit bureaus to update. I have attached my receipt of payment and wish for Bank of America to correct/update my credit reporting across all 3 major credit bureaus. Because of this account I have been categorized in subprime level and wish to have this resolved immediately. Thank you.