davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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. (CA)

To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.
Consumer complaint received 2021-06-05
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. (MS)

I have sent a letter on XX/XX/2021, to all credit bureaus requesting validation of my accounts listed as derogatory. A period of 30 days had passed and I havent received any responses. I am worried that my records may influence my FICO assessments.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CT)

I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Please see the enclosed email sent to SLS today regarding time usurped due to belief caller from SLS XXXX  was from SLS as the phone displayed SLS as the caller. 

That the Short Sale buyer should NOT BE PENALIZED due to this loss of XXXX business days = XXXX days in full. 

There was NO WAY to know the XXXX XXXX from SLS XXXX was NOT from SLS XXXX. 

The timing of the call +emails sent to XXXX marked URGENT URGENT URGENT that went unanswered. I've since been advised that those emails ARE NOT READ? IF the email correspondence is not read with one being unable to get through via PHONE then what is one supposed to do? 
Had no knowledge until this past week probably Wednesday, that the emails are NOT READ. Where do they go? XXXX XXXX and other necessary identifying information is provided with each email This is STRESSFUL. STRESSFUL STRESSFUL not to mention UNFAIR, UNPROFESIONAL & a WASTE OF TIME. 

Further over and above the emails to XXXX are NOT READ the preferred mode of communicaiton for SLS as their phone message states is their new and improved www.sls.net for communicationl I'm told this would be flagged for me, however, I am unable to get copies of any correspoindence I tender through that site. What? 
I've asked XXXX why is there not a cc line so I can cc myself with my language tendered. 
There is not the ability to to cc myself. And FURTHER there IS NOT THE ABILITY FOR SLS TO PROVIDE ME WITH A COPY OF MY CORRESPONDENCE UNLESS I SEND A LETTER TO A GIVEN ADDRESS? 
That is an inconvenient along with time delay way to receive my correspondence 1st I must have time to write to them 2nd I must post an envelope 3rd I must hope it gets there 4th I must hope someone reads it 5th I must hope there will be a reply with my correspondence included. 

This is crazy. Forgive my less than proiessional opinion. Thank you,
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

Date : XX/XX/2020 Amounts : XXXX It's the annual fee, I agree with that. But the main thing is, I never agreed with over credit limit spending. It caused my credit score to significantly dropped.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (VA)

On XXXX XX/XX/XXXX I had the windshield on my XXXX XXXX XXXX replaced by XXXX XXXX located at XXXX XXXX XXXX, XXXX, VA. When I picked up my car on XXXX XXXX, I paid the entire bill and received a certificate stating that XXXX  had recalibrated the advanced safety system in my car. Later that day, I noticed that a warning light was illuminated on my dashboard, showing that there was a problem with the advanced safety system. I contacted XXXX, and arranged to bring the car back in for them to check out the problem. 

When I dropped the car off with XXXX to investigate the problem, I received a call a couple of hours later in which XXXX explained that they could not recalibrate the advanced safety system in my car, as they did not have the proper equipment. I asked XXXX ( 1 ) why didn't they tell me this before performing any work, and ( 2 ) why did I receive a recalibration certificate from one of their technicians? The XXXX XXXX could not provide an answer to either one of these questions. 

I had the work performed at XXXX XXXX, paying {$450.00} to have the system properly recalibrated. I went back to XXXX and requested a refund of the {$250.00} recalibration fee that I had paid. I also spoke to XXXX customer service. Both the store and customer service kept giving me the run around, so after dealing with them from XXXX to XXXX, in XXXX I filed a dispute with my credit card provider, XXXX XXXX. XXXX XXXX reviewed the matter, and then reversed the {$250.00} calibration fee. 

In XXXX I received a notice from XXXX that I owed them {$250.00}. XXXX claimed I did not pay them the deductible associated with the original work performed on XXXX XX/XX/XXXX. I responded with a letter, stating that I did in fact pay the deductible, they were confusing it with the reversed {$250.00} calibration fee. It just so happens my deductible is also {$250.00}. 

On XX/XX/XXXX, I received a letter from Recovery One, a debt collection agency retained by XXXX, stating I owed XXXX {$250.00}. I responded on XXXX XX/XX/XXXX with a letter stating the listed debit is invalid. 

Bottomline is XXXX fradulently certified that they properly recalibrated the advanced safety system on my car, which induced me to pay the {$250.00} recalibration fee. I tried to work with them for months to obtain a refund for this work, which they did not complete and they refused. I am stunned that they have sent this matter to a debt collector given their malfeasance, and am looking for help to resolve this matter.
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

To Whom It May Concern, The premise of my ongoing complaint with XXXX XXXX ( a.k.a.,  XXXX, Lender, and/or they ) is that I, XXXX XXXX XXXX, XXXX, am not, nor have ever been, the borrower on the Loan To Learn ( see attached Combined Consolidated Application and Promissory Note ), though they contend, otherwise, without any supporting documentation or legal basis. 

In response, I demand that XXXX acknowledge ( in writing ) my status on this loan as the Student only, that I do not hold any title as a Borrower, and that Im not financially or legally responsible for the  repayment of this note. 

The attached Promissory Note is difficult to read, but is the only copy ( seen to date ) that exists, unless another, clearer, copy can be produced ( which has been requested from the Lender, but has not, yet, been fulfilled ). From it, the following can be extracted : Block # 1 STUDENT section, where all my information is stated. NOTE : No financial or employer information is requested or contained in this block, thus proving my status, and point Block # 2 APPLICANT ( i.e., primary Borrower ) section. My father, XXXX XXXX XXXX, XXXX, completed this section, which included all of his employer and salary details. 
Block # 3 APPLICANT ( i.e., co-Borrower ) section. My mother, XXXX XXXX, completed this section, which included her employer and income details Initials In the lower left portion of the Note, just below the last information box, are clearly only two ( 2 ) sets of initials, representing both Applicants ( Borrowers ). These are the initials of my parents, XXXX and XXXX XXXX Signature Block The most discernable part of the Promissory Note, which most strongly supports my case, is my fathers signature as Applicant # 1, my mothers signature for Applicant # 2, and my signature on the Student line.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXXXXXX but instead they ran it with the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX XXXX XXXX XXXX conducted a hard inquiry against my credit history via Experian. I have no business, nor ever had business, with XXXX XXXX XXXX and immediately notified XXXX XXXX XXXX on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite six ( 6 ) follow-up emails and phone calls to XXXX XXXX XXXX no one will provide me any details nor will they remove the hard inquiry from my credit history.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau. 

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

XXXX received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

TransUnion received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (TN)

Security Credit Services LLC and XXXX use an account ending in XXXX that was in repayment plan with this creditor to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with XXXX was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau XXXX today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor Security Credit Services LLC started to take the payments out on the XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made a payment as a with agreement. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My address is incorrect and my identity is showing up incorrectly when creditors verify The only address that needs to be shown is XXXX XXXX XXXX XXXX, Tx XXXX My name on my social security card is XXXX XXXX XXXX XXXX And please remove all hard inquiries not associated with my current address
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX  BANKRUPTCY
Consumer complaint received 2021-06-22
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. (LA)

They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.
Consumer complaint received 2021-06-22
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. (LA)

They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I contacted my Bank CHASE & notified them of unauthorized reversal charges on my account there had been several to make them aware is wasn't me but to also ask them why I haven't I been notified by them & or the fraud department, By this time I had changed my username to try to stop whoever it was and started receiving fake text and phone calls messages asking me why. I then realized just a few weeks before thgis I noticed some weird activity with my debit card & request it to be deactivated change immediately and a new card be sent out possibly were the ones doing the reversals on my account & I followed by also reporting this to my local Police department obtain a police report case number for fraud. 
Chase Bank started the claim process & told me they would take extra security measure on my account and it would take 6 days as I request to close the account as it still was accruing a increase negative amount they ask me is I wanted to dispute all charges I stated yes & I requested that my creditors all be paid back for the reverse charges, and then proceed to close the account. Chase informed me the account must remain open during the investigation, its been over 6 days also after reporting this on XX/XX/23 there was another reversal made after me warning them its not me and this reversal was made with my old debit card that I ask to be deactivated specifically told Chase from this point on if I have to conduct any business with I would call and use the security measures put in place to avoid any more charges it went thru as well. I received several letter saying the reversal was completed but still the account remains in a negative status, I proceeded to make an appointment to speak with someone on XX/XX/23 about this manner and get an update only for the representative to tell me I have to call claims again, now Im receiving emails stating I need to make a deposit in order for this account to remain active because its - {$2400.00} and havent heard or received anymore correspondence from them.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I sold an XXXX in XXXX 2021 and I reset the phone and disconnected it from my XXXX and sold it through XXXX. I shipped the phone to Delaware. XXXX weeks later I received a message through XXXX from the buyer that said that the buyer could not get the phone set up because he was able to log into my phone and subsequently get access to all of my accounts and passcodes that were saved in my phone. He then subsequently used my phone to purchase items on my XXXX account. On XX/XX/XXXX after noticing my balance was off on my account I disputing several different items on my last XXXX months billing cycles with Wells Fargo. Over the next XXXX months I spent HOURS going back and forth with Wells Fargo with them ultimately telling me that it was my fault that this happened and I was complicit in this transaction. I took notes and records o every time I spoke to someone and ultimately how many time I talked to people and ultimately they closed the claim, restarted and reopened it XXXX times. I am so frustrated. But they had to close the claim. This was for over {$5000.00}.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NJ)

I lost my job after the pandemic began and fell behind on several obligations. I enrolled in a hardship program with XXXX XXXX for a XXXX account. I couldn't keep up with the payments because my unemployment benefits ran out. When I started working, I began working with a debt management firm that has paid XXXX every month. However, they still assigned my account to a collection agency. 

Recently, I received a letter from XXXX that indicated a settlement offer with a payment I could afford. However, the collection agency never informed me of this and instead I needed to pay a larger amount with a higher settlement balance. Today, XXXX called to tell me that XXXX is no longer willing to honor the smaller amount and monthly payment amount because of " agreements crossed. '' I was paying XXXX and the agency and didn't realize this. I can not afford this and not able to pay my rent and other expenses. I can't find the letter on the XXXX site. I feel like I have been hoodwinked by XXXX and XXXX.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored