davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I had an account report from XXXX XXXX XXXX an owed account on my credit report for the amount of {$2000.00} that I am certain does not belong to me. I mailed a certified letter received on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX and received a response from my inquiry dated XX/XX/XXXX. The letter included my name, current mailing address and social security number. The response included information and a credit account tied to a person name XXXX XXXX. I now have the private information belonging to another person, tied to may address. My understanding is that this breaks federal credit reporting laws and regulations. As well, I am certain the information they are claiming belongs to me and are reporting to Experian and XXXX are also incorrect. I am requesting help in immediately removing the fraudulent and incorrect reporting to all XXXX credit bureaus as well as the the extraction of all of my personal information from XXXX XXXX XXXX. Thanks for your help and immediate response.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (IL)

Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (AR)

I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

In XX/XX/2017 I requested my free annual report from all XXXX reporting companies. Equifax and XXXX refused to issue the report stating they could not verify me. I had moved and also I have not had any debt on my report in years. I could not answer any of the questions Equifax asked- none of them. Both XXXX and Equifax sent letters to my current address requesting additional proof of identity, which I did and sent by certified, return receipt mail. XXXX processed my request, however Equifax has not replied. It has now been over 2 months since the request was made and proof of identity submitted. I have the return receipt stamped as received by XXXX.
Consumer complaint received 2017-04-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.
Consumer complaint received 2017-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Machol & Johannes, LLC (OR)

On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.
Consumer complaint received 2017-01-13
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (LA)

Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS (CA)

received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.
Consumer complaint received 2020-06-21
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: JPMORGAN CHASE & CO. (CA)

I received a letter dated XX/XX/2020 informing me that the credit limit on my Chase VISA would be reduced by half within 30 days because I " spent far below [ my ] available credit limit '' during the preceding 12 months. 

I worry what this will do to my credit report ( s ) and overall credit score, and I may need the higher credit limit for a planned home remodel.

Can they do this? Do I have any recourse? 

Thank you for any and all assistance. 

XXXX XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Account Brokers Inc. (IA)

On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Quality Lenders Inc (SD)

I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2017, I opened a credit card with Citi Cards. On XXXX, I received both a text and email saying I should have received the card by now and to please activate it. On the XXXX, I called the customer service number stating I had never received the card. The customer service representative told me that it apparently had been returned because the apartment number was incomplete. We confirmed my address and he assured me that I would receive it within 7-10 days. On XXXX, still not having received my card, I called the customer service number again because now I 'm thinking I 'm a victim of identity theft. Citi Cards is unable to verify that I 'm the account owner, in spite of me giving them my security password, first concert attended, and all of the information I used when opening the account. On XX/XX/XXXX, I called Citi Cards five ( 5 ) times with no resolve. Each time I 'm told I will be called back and never was. They did tell me my account has a hold. Not hearing from Citi, I called again today XXXX. I confirmed the XXXX digits of my card ( which I pulled from an email from them ) and my security password yet again was told that I would absolutely receive a call back from their fraud department as my account is under warning. That was more than 12 hours ago at XXXX this morning. I can not get a direct answer nor status on my account and I do n't know what else to do since I have never received the credit card. I 've called Citi Cards eight ( 8 ) times and can not get a direct answer as to when I will receive my card on an account that was opened more than one month ago.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (VA)

In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (IL)

CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to my credit report.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.
Consumer complaint received 2017-07-19
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. (TN)

XXXX   XXXX   XXXX   XXXX   has been running a hard credit check when I have NOT applied for credit and they have now done it  XXXX  and will not remove the information though I 've been in contact with them through a   XXXX   since  XXXX    XXXX   and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new  XXXX  in  XXXX   XXXX !
When I submitted the complaint on  XX/XX/XXXX  all that " Equifax did was to say that   XXXX    ran my report so it 's accurate. '' THIS IS A LIE. The FACT of the matter is that   XXXX   RAN MY CREDIT REPORT WITHOUT MY AUTHORIZATION, PERMISSION OR ME EVEN APPLYING FOR CREDIT WITH THEM OR THEIR AFFILIATES.
Saying that it is " accurate '' is FALSE AND FRAUDULENT BECAUSE THIS WAS DONE BY  XXXX  WITHOUT MY PERMISSION AN ILLEGAL ACTIVITY ACCORDING TO THE FCRA. IF I DID NOT APPLY FOR CREDIT, AS I DID NOT IT FOLLOWS THAT A HARD CREDIT INQUIRY CAN NOT BE ACCURATE! I WANT THOSE INQUIRIES REMOVED AND  XXXX  BLOCKED FROM RUNNING MY CREDIT UNLESS YOU HAVE PROOF THAT I ASKED THEM OR THEIR AFFILIATE FOR CREDIT!
REMOVE IT! The first time I filed the police report and the whole nine yard and this was supposed to be removed! It was n't and so now this is going to need to be ESCALATED and FIXED. IF I DID NOT APPLY FOR CREDIT THEY HAVE NO RIGHT TO RUN MY CREDIT AND EQUIFAX HAS NO RIGHT TO REPORT THAT I AUTHORIZED IT WHICH YOU ARE DOING BY HAVING IT LISTED ON MY CREDIT REPORT!
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order. 

On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX. 

That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off. 

I am requesting this account be deleted & removed.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Coinbase support not responding I have already opened a support ticket on  XXXX / XXXX /2017 Case #  XXXX .
I lost my phone and did n't have the backup code to restore   XXXX   XXXX  
I tried with the wizard to verify the identity but it say document is unreadable, same ID I used to verify the account a few months ago.
The problem is the lack of support, they do not have a support phone line and it is not possible to write direct mail.
The first time I received an automatic mail telling me to wait up to 72h, since then 12 days have passed. I tried to contact them via other channels (   XXXX   and  XXXX  ) but I have never received a response.
I 'm frustrated because I have access to the mail used to sign up for their service and the   associated cell phone number, but I still can not access my funds
Consumer complaint received 2017-07-19
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: SUNTRUST BANKS, INC. (NC)

I have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1.   XXXX   XXXX   XXXX    XX/XX/XXXX  2.   XXXX   XXXX   XXXX   XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX 4. Suntrust Banks of FL  XX/XX/XXXX  5.  XXXX   XXXX   XXXX   XX/XX/XXXX  6  XXXX   XXXX   XXXX     XX/XX/XXXX 7 .   XXXX   XXXX    XX/XX/XXXX
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CT)

I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.