davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.
Consumer complaint received 2022-01-04
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. (FL)

I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Sold ; was Charged-offXXXX Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-11-11
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. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Yes, I need a refund for XXXX and {$150.00}, and {$300.00} for XXXX because the seller stopped giving buyers the services to her XXXX XXXX XXXX XXXX. No one can get in touch with her, and they can't open any disputes with Paypal to get their money back. They can't contact their bank, and if they didn't use their bank with Paypal to send the money to them and I have contacted my bank. They told me I couldn't fill a dispute because I passed the deadline date, and XXXX  they couldn't help me, so I want a refund or a Paypal balance or Paypal XXXX credit to apply to my account ending in XXXX.
Consumer complaint received 2022-11-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Financial LLC (NJ)

I have received four phone calls today l, two within the same hour, all of which state they are from XXXX XXXX in regards to a loan til payday loan. I have asked them to stop calling each time. I told them they are harassing me. The most recent call I asked for their contact information and they said they don't have to provide that. I said I will be filing a harassment case and they said good luck with that and hung up on me. This agents name was XXXX XXXX, I believe.
Consumer complaint received 2022-11-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Exeter Finance, LLC. (IL)

Hello, I am a consumer and I was calling in to put money on an account with Exeter Finance on XX/XX/2022 at approximately XXXX XXXX I initially spoke with a representative named XXXX. I was calling in to put money on the account regarding my vehicle. After the initial data confirmation that is usually done by a debt collector was finished. I said i wanted money toward the account. He then began being very abrasive and started using abusive language towards me. He said that i should pay more and what I was paying was not enough. He then started to threaten me with legal recourse. After he argued with me and belittled me by saying that I needed more money. I realized that he was not going to allow me to put money on the account. I hung up the phone. I then called back and spoke to another representative and she allowed me to put money towards the account and even helped me make a plan so that I could pay the necessary amount for the account to be in good standing at the time. I tried to put in the complaint with the other representative and a supervisor was supposed to call me regarding that said complaint but no one ever called to follow up. 

With all of that being said, Exeter Finance LLC has violated 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violencXXXX or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AL)

On       this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX   and additionally signed up for credit monitoring services with the credit bureaus and have reached out to Innovis as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

Dear Investigating Officer, On XX/XX/2022, I initiated a balance transfer using my Citi Double cash card in the amount of {$9000.00} plus {$270.00} balance transfer fee to pay off a part of my personal loan with XXXX XXXX XXXX. 

However, I was surprised to see that the charge got posted as balance transfer made to XXXX XXXX XXXX XXXX. I never mentioned to Citi or filled up their online balance transfer form mentioning XXXX XXXX as my creditor. For the records, I NEITHER have any outstanding balance with XXXX XXXX NOR have any personal loan with them ( I can provide documentation for the same ). I even called XXXX XXXX customer fraud protection department to verify if they received any check against the account number with my name that I initially provided to Citi when I submitted a request. They denied receiving any such check from Citi in the amount of {$9000.00} on XX/XX/2022. Therefore, I recognize the {$9000.00} balance transfer charge ( Merchant : XXXX  XXXX XXXX XXXX ) posted on my account as fraudulent and request that it is immediately credited back to my account. 

Its just frustrating that Citis online balance transfer application is so broken and incompetent that it couldnt match the account number with the bank name that I provided in the first place. Whats even more frustrating is that it was sent to XXXX XXXX which is not even in the picture whatsoever. 

Now when I tried to contact Citis customer service, they abruptly ended the chat without providing a proper explanation/resolution as soon as they realized they messed up. When I contacted them over phone, they merely mentioned they needed to first verify where the check ended as it is reflecting on my credit card statement as processed/posted. More than offering me help and resolving my issue by issuing me a refund immediately, they seemed more concerned with the error they made on their end and made it seem as if I was the one at fault. 

Personally, I feel CITI should cease their Credit Card product offering if they are not able to protect customers assets and their credit history/file which they worked so hard on for years. 

Thank you for your help and assistance in this matter. I hope for a speedy resolution and request {$9000.00} fraudulent charges and {$270.00} balance transfer fees refunded back to my Citi Double Cash account.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I opened a bank account at US Bank on XX/XX/2021 based on a promotion offered me in the mail to earn {$300.00} if I kept {$3000.00} in that account within 30 days of opening the account. I deposited the funds in my account on XX/XX/2021. I also had to enroll in their mobile app within 60 days of the account opening. I downloaded the app on XX/XX/2021. Despite meeting all the requirements of the promotional offer, I have not been given the {$300.00} in my checking account. I have reached out to the representative who opened my account, but he has no answer for me.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
Consumer complaint received 2022-11-09
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: Rent Recovery Solutions (GA)

On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXXy amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXXt amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date XXXX account name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

Currently have an account with JPMorgan Chase Bank , N.A . and someone has been able to withdraw or change account balance and I've had to call bank to try get bal. adjusted because it wasn't correct and it's always been forigen person answer phone. 
I've never added anyone to my account but the bank current is now stating throw automative system " I have limited access to my checking account '' ; which nobody else should have access and I do not have graudian or conservator ( not married ). But identified money missing out checking account. Chase also stop my online banking and said I didn't respond to email. 
But, I do not necessarily trust cellphone to conduct business from because of previous issues with calling and getting forigen person answering or someone answer call and hangup quickly, like someone using my cellphone other than myself. 
I could hear neighbor conversation across street when checking balance from cellphone and saying we rich and I can take a XXXX. Do not know neighbors, not sure I could hear that conversation via my phone or them know my checking balance ( not sure if phone has illegally be colon, but someone illegal used my checking account and observe neighbors taking XXXX ). 

Also, mail carrier has been delivering mail, depending on carrier to wrong address and I haven't received statements such as checking, utility statement and address deliberately change in websites to next door neighbors..which is fraud. See attachment and where mail has gone and to other neighbors home, my home is the XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I called in on XX/XX/2022 to AES and had the representative switch the payment scheduled date to XX/XX/2022. As of XXXX on XX/XX/2022, I'm still seeing that this scheduled payment has not been in process and allows me to Cancel it through the online account. This is proof that the agency delays processing from when a payment was actually scheduled to be processed. This is concerning and not consistent with how payments are supposed to be processed when scheduled. 

Subsequently, the online account still shows that the account is 45 days delinquent despite the date of XX/XX/2022 coming to an end and the payment still being scheduled to be debited on XX/XX/2022. This agency time and time again has allowed occurrences like this to happen where it tends to favor them as a result of their appalling nature of procrastinating or deliberately delaying processing.
Consumer complaint received 2022-11-09
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. (NJ)

On XX/XX/XXXX, I submitted disputes to Equifax, XXXX, XXXX to verify accounts that weren't mine on my credit report. I submitted proof of identification that includes social security card, my driver license and bank statement ( with a void check ). Its over 30 days and i havent received any status updates or corrections. Can you please assist me in this matters. Thank you.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NC)

On XXXX I made a payment to the mortgage company. I called on XXXX at the advice of my loan originator, I was then told by a call center rep that my bank account information was incorrect and I had an NSF fee. I gave the representative the correct account number and made the payment of XXXX over the phone. The rep stated that she would update my account with the correct account number. On XX/XX/30 I made a payment of 1300 towards my mortgage. On XXXX I called and was told they had a high call volume and that payments were going to post on XXXX. On XXXX I called and spoke to a representative who stated that the account information is again incorrect and that another NSF fee was attached to the account. She stated that the previous rep had the incorrect account saved, which is wrong because my mortgage payment for XXXX was drafted from my account. I was then told I had to make my payment of XXXX. When I requested to speak to a supervisor I was denied, even though the agent was talking to a supervisor through chat no one was available to talk. The agent also refused to take payment over the phone and directed me back to the website.
Consumer complaint received 2022-11-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc (GA)

I opened a dispute for a purchase made through Affirm that was supposed to be resolved within 90 days. It has been more than 90 days and the dispute has not been resolved, which has caused me to not be able to use my account or pay on the loan because it is still in the dispute process. Because I am not able to pay on the loan while it is in the dispute process, the loan now shows as " past due '' on my Affirm account. Because the loan now shows as " past due '' on my affirm account, I am unable to take out any new loans with Affirm, and the loan will now show as a past due balance on my credit report. 
I have contacted affirm over five times through their messenger application, and I have contacted them by phone every week with no resolution of the issue. Each time I send an email to Affirm or message them I do not get a reply, and each time I call they escalate my case to a supervisor, who then tells me that they can not help my case and that I have to wait further until their Disputes Department can get to my case. I was also told after the escalation that someone from Affirm would contact me with an update of the issue, which has not happened. 
I have attempted to have my case with Affirm solved several times to no avail because of the lack of response from their team, and because of their lack of response my Affirm account and my credit score are now being affected.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank will not credit funds back into my account due to transactions being chip and pin purchases at XXXX and XXXX. I informed them as soon as i noticed my account was over drawn by {$1200.00} and they stated they assumed it was me. I informed them i use my account mainly to pay bills and i dont spend money i dont have.I 've been a loyal client for over 2 years and Chase bank should know how i spend my money.In my opinion and research done on this new card with a chip in it, Chase bank did not conduct a thorough investigation.All Chase has done was tell me to contact the merchents and take my hard earn money through my direct diposite XXXX.. and im still overdrafted.All they keep asking me is when will i clear it up and get my account back to positive. I honestly feel like Chase has turned they back on me and my wife and child.Im now behind on bills that should have been taking care of if it wasnt for this fraud on my account.
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses.This is a notice of dispute pursuant to the Fair Credit Reporting Act FRCA ), section623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I amrequesting the verification to follow reasonable procedures to assure maximum possibleaccuracy, of the information on my credit report. So, I am requesting you verify the items Iam disputing at a higher standard than a third-party database search. Please also notify thesource who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove thefollowing unverified account : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please REMOVE/DELETE these INQUIRIES 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.