davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC (NY)

I got my credit repair account with Credit Saint XX/XX/XXXX. I was not charged until XX/XX/XXXX. Throughout my tenure with this company I was actively reviewing the progress that was being made on my account. I saw that multiple removals were being made so I decided to stay with this agency as it seemed they were making great progress. It wasn't until I decided to comb through my credit report in XXXX of XXXX ( after 8 months with Credit Saint ) that I realized that majority of the " removals '' they were reporting to my account weren't actually being removed from my credit reports. I called, and spoke to the representatives and they told me they would conduct an audit of my account so I could get a more accurate reporting and they would call back with my results in 2-3 days. They never called back. I went into my client portal and they updated my account with the accurate reporting from the audit, and to my surprise majority of the " removals '' they reported had not actually been removed. I called Credit Saint to cancel my service immediately on XX/XX/XXXX, and they told me that I didn't qualify for any refunds ( even though they mislead me for months on the productivity of their services ) I fought back and they ended up granting me their 3 month guarantee refund as well as my last payment that they deducted from my bank account resulting in 4 months of my money returned. I also learned that they are suppose to conduct a monthly audit on their end to ensure they are reporting accurate information to their customers and that they " dropped the ball on my account, and will do an internal investigation to make sure this doesn't happen to future customers ''. Fast forward to 15 days after the " refund '' and still no money in my account. I called my bank to see what the hold up was and they confirmed that they never received a refund from Credit Saint. I call Credit Saint with this information, and they told me its the banks fault and that they issued the refund on the XXXX of XXXX. I have receipts stating that they refunded me on the XXXX as well. After fighting back I learn that they didn't actually issue any refund. I gave them my information yet again, but as of now I have not received anything from Credit Saint in my account. -I was mislead with the productivity of my account. - I was told verbatim from the higher ups that they dropped the ball are reported false information for the entire time I was their client -Im not sure if any work was done prior to them charging me
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2022-11-28
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: CORELOGIC INC (MO)

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : MO XXXX XXXX XXXX, Account name : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (GA)

Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.
Consumer complaint received 2021-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

My original loan was through XXXX XXXX, but this year when they got " out of the student loan '' business, they sold it to FirstMark Services a division of Nelnet. I requested a deferment/forbearance in XXXX and never heard back. I was able to make a double payment that month so all was XXXX. However, this month when my bill came I was like " XXXX '' cause they said they were putting in my forbearance request. I tried to call for 6 hours off and on but the number kept disconnecting. Finallly I got through to someone and he couldn't tell me what happened.
Consumer complaint received 2022-08-16
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. (MI)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

XX/XX/22 XXXX transfer posted for XXXX. 
Called the company the payment was supposed to go tothey received nothing. I called Discover and realized it was sent to the wrong account. They filed a dispute. 

I resubmitted the balance transfer, triple checking that all information is correct. I called the company that was supposed to receive the payment againthey had received nothing. I called Discover backsent to the wrong account again. Now they wont file a dispute for a certain amount of time even though they clearly see its going to the wrong account. And no one can answer why they keep sending it to the wrong account.
Consumer complaint received 2022-11-26
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: SYNCHRONY FINANCIAL (CO)

A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with Syncrony Bank. We had a Sam 's Club Card which was overseen by Syncrony Bank. We payed our debt off to Sam 's Club. We did not file bankruptcy on Syncrony Bank or Sam 's Club. We specifically stated to the Bankruptcy judge that we had payed the debt to Sam 's Club and Syncrony Bank. But our Credit card privileges were suspended. 

Syncrony Bank refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to Syncrony Bank yet they refuse to respond to our questions.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

Someone rented an apartment in XXXX XXXX XXXX in Rhode Island using my SSN on XX/XX/XXXX and owe balance of XXXX XXXX Pro Collect Inc report a collection debt on my credit history on XX/XX/XXXX which impacted my credit history. I called Pro Collect Inc and tried to tell them I didnt owe this money but they are not accepting it and asking me to pay money. 

Pro Collect Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas - XXXX Pro Collect Confirmation No : XXXX Agent with whom I spoke with COntact No - XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

On XX/XX/2022 at US BANK branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I was subject to improperly manipulation in my debit card transactions in order to generate excess overdraft fee revenue. US BANK has been sued for this before in the past. I was rudely kicked out of the US Bank XXXX on XX/XX/2022 by bank XXXX XXXX XXXX ID # XXXX contact info direct line XXXX branch line XXXX fax XXXX E-mail XXXX. I was told by the XXXX and I quote " we close in XXXX minutes I don't have time for this you can leave. '' I was taken back after she said I was being rude for asking her to help figure this issue out. And she would not show me her screen and scroll past all the invalid charges not wanting answer my questions. She continued to humiliate me in front of staff and customers kicking me out not wanting to help due to them closing in XXXX minutes. I was mad and asked what I can do cancel the account and she canceled it with confirming it first and said goodbye its done. And when asked for proof I wasn't given any and was told I would get it to an old address I don't live at any more. I'm reaching out because I didn't receive my charges waived and they will now effect my credit and be sent to owe something that is truly mine. In the past a U.S. Bank 's settle a law XXXX XXXX the exact same reason that i had gone into the bank today. The lawsuits claim that U.S. Bank 's internal computer system re-sequenced the actual order of its customers ' debit card and ATM transactions, by posting them in highest-to-lowest dollar amount rather than in the actual order in which they were initiated by customers and authorized by the bank. According to the lawsuits, U.S. Bank 's practice resulted in its customers being charged substantially more in overdraft fees than if the debit card and ATM transactions had been posted in the order in which they were initiated and authorized.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CO)

Hello. Thank you for your assistance with this matter. 

I signed up for the Venmo Credit card, which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category, 2 % on the second category, and 1 % on all other purchases ( so for the 1st year 6 %, 4 %, 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards, but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00}, or 1.1 % back.

They do not show customers how the rewards are calculated, instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately, they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards, as well as obscure their shady and illegal business practices. 

I have called, emailed and messaged them about this issue repeatedly, they have verified that I should be receiving the 6 %, 4 %, 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance, but have taken no action. 

I never received a physical copy of our card agreement, so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP (NJ)

I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket. 
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX  XX/XX/XXXX, but I didn't. 
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check. 
XXXX  XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX  the XXXX, he took my phone number and said he'd call me on XXXX. No call came. 
XXXX  XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX  that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.
Consumer complaint received 2022-04-24
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. (MS)

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXXDuring this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I stayed at a XXXX XXXX XXXX for 2 nights. I had points and certificates for 2 nights free and would only be charged for incidentals, tax, parking. The person checking me in confirmed this. XXXX XXXX also confirmed this. When I checked out they charged my card correctly for the incidentals, tax, and parking for {$120.00}. Then, the next day, they charged me {$210.00} for a night 's stay. I have contacted the hotel about 8 times and can't get anyone to respond, and I have called XXXX and Chase. XXXX said I have to dispute the charge with Chase. Chase says they can't help me after spending XXXX minutes on line with them.
Consumer complaint received 2022-06-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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 2022-09-19
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: EQUIFAX, INC. (GA)

WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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 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 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (IL)

I was informed that I have an open XXXX debit card with only monthly charge fees and not active usage but attempting to collect past due account fees that amount to XXXX In fees. I was able to give all correct information from XXXX but they are saying in order to give more details I must provide correct apartment number which was provided but they told me it was the wrong apartment number provided. I never opened a XXXX card nor did I stay on another apartment at the address provided which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX IL XXXX. This is an attempt to collect a fraudulent debt which is not on my credit report. I have also filed for bankruptcy in XXXX XXXX XXXX. I do not understand why or who is trying to attempt to collect fraudulent amounts/ company name RGS Financial XXXX
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MI)

I had a XXXX account with a US bank that I closed. I have not been able to use XXXX  with any of my new banks due to this XXXX  account not being properly closed. 

I call XXXX and US Bank, and they each blame each other with no resolution or conference call.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC