davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: DISCOVER BANK (MS)

On XX/XX/XXXX, at about XXXX, I searched online, hoping to find a cheaper auto insurance and found " XXXX XXXX XXXX Quotes '' ( 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. After putting in all my information, including social security number and car vin number, it led me to " XXXX * Insurance ''. I was charged {$470.00} for a " policy '' on XXXX, XX/XX/2022. 
At XXXX I received an email letter " Your new XXXX policy '' from " XXXX ''. I tried to open the link to see the details of the " policy '' but failed. It says " We're Sorry Our site is currently experiencing technical difficulties. We apologize for the inconvenience. For assistance, please contact Customer Service at XXXX. Note : Due to maintenance, our site may be unavailable from XXXX XXXX to XXXX XXXX  XXXX Monday through Saturday and XXXXXXXX XXXX. to XXXX XXXX XXXX Sunday. '' I called ( XXXX ) XXXX four times but all the customer service representatives could not find any information related to me. 
Then I noticed in the transaction text message sent by Discover bank that the merchant 's name was " XXXX * Insurance ''. But the real XXXX has no " * " between " XXXX '' and " XXXX ''. I sent an email letter to " XXXX '' but received a reply : " Unfortunately, the email you replied to is an automated notification, which is unable to receive replies. " I also could not find the phone number in my Discover app 's Transaction Details. 
I called Discover bank 6 times, but the fraud department told me that it was not a fraud because I willingly put in my information and authorized the transaction. The billing department told me that the money was in pending and the only thing they can do is to wait for ten days after it is posted and then they might raise a dispute, start an investigation, wait for the merchant to provide paperwork to validate/invalidate the transaction. I told a manager of the billing department : It was not a real merchant. They intentionally created a fake website disguised as XXXX XXXX. They did not sell anything to me, except an email letter with an un-openable link, let alone any auto insurance. I did put my information in their website but it was obviously a scam. As my bank they should stop the loss on my behalf when I reported the scam as soon as possible when I found I was scammed and repeatedly petitioned Discover bank to stop the transaction. She told me they can do nothing about it for now. I need to wait for 10 days to raise a dispute. 
I was cheated by a scammer who intentional created a fake website under the disguise of a real company. The scammer leaves the contact information of the real company. I do not think the cheater would react and provide paperwork to Discover bank. Therefore, I have to report this scam to related authorities in order to save more victims.
Consumer complaint received 2020-11-30
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. (NY)

I want to file a complaint against XXXX, Equifax, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification JPMCB XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account
Consumer complaint received 2022-01-19
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: GOLDMAN SACHS BANK USA (OH)

I don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived. 
I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened. 

Disputes are not being processed correctly under XXXX XXXX. 
I need a solution urgently. This can not happen.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

Barclay 's Bank took over my XXXX XXXX XXXX XXXX DURING THE TRANSITION i STOPPED USING MY XXXX XXXX SOMEBODY USED MY ACCOUNT NUMBER ON XX/XX/2022 at XXXX  Stores in XXXX. 

there are charges on this card that are fraudulent, I want them removed and CANCEL THIS CARD. 

I CAN'T GET ANYONE ON THE PHONE WHO SPEAKS CLEAR ENGLISH I NEED HELP AND BARCLAY 'S BANK, XXXX  WILL NOT HELP ME.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-07
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. (IN)

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

I am a senior citizen that did a loan modification during XX/XX/2019 with M & T Bank. I believe I was a victim of an unfair, deceptive act and practice of M & T banks loan servicing department. 
I was told by M & T that I would not receive billing statements right away, but that I should continue to make payments on my mortgage loan, and at some point they would provide me with mortgage billing statements containing the amount due and due date. 
Unfortunately M & T FAILED TO PROVIDE ME WITH BILLING STATEMENTS for the XXXX, XXXX, nor XXXX billing periods so my ONLY OPTION TO MAKE MY MORTGAGE PAYMENT was to call their customer service number and make a payment by phone. They waived the {$17.00} pay by phone fee for the XXXX and XXXX payments. 
However, when I hadnt received my XXXX billing statement by XX/XX/2019 I contacted their service department asking where my billing statement was for the payment due XX/XX/2019. Their customer service representative snidely told me I have plenty of time to mail my payment to them. How can I mail them a payment if they havent provided me with the XXXX billing statement? 
I called them back the following Monday XX/XX/XXXX and asked when I should expect my billing statement for the XX/XX/XXXX payment? They told me at first that my billing statement should have been sent and then informed me that they had not sent it per their records for some reason. XX/XX/XXXX comes which is 2 days before my payment would be late so I call them to tell them that I have not received my billing statement for the payment due XX/XX/XXXX. They tell me that I can make a phone payment, but that it will cost me {$17.00}. I asked them to waive it and they refused so I I had no choice but to make the payment by phone and pay the {$17.00}. 
I am requesting that they remedy the situation for me and that you look into their servicing practices for other seniors as there may be a pattern of deceptive and/or unethical practices. 
Please contact me if you have questions or if anything was unclear. Thank you!
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: CRESCO CAPITAL INC. (AR)

On XX/XX/2017 I started a lease thru Lone Mountain with Cresco Capital being Leesor 7months into the lease the engine failed, I had it towed to XXXX XXXX in XXXX Tn XXXX for a diagnosis, upon the completion of the diagnosis, I was informed that it was going to cost {$14000.00} which I was prepared to pay, however, further diagnosis revealed an additional problem which amounted to {$1900.00} more than I was able to afford, After speaking with the receptionist XXXX XXXX XXXX she mentioned that I could finance the {$1900.00} but I had to fill out the credit application which I was willing to do however, upon my arrival I was told that the truck had been towed by Lone Mountain and terminated the lease
Consumer complaint received 2021-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (AL)

Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX  was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX  ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was sent an email that appeared to be from PayPal ( XXXX, not an apparent phishing address ) saying I had been charged {$500.00} for a gift card. The night before, my wallet had been lost/stolen, and I jumped to the conclusion that this was actually true, and responded to the number given ( XXXX ( XXXX ) XXXX ) and was put through a number of steps which I should have been suspicious of, which included installation of XXXX software and remote access of my desktop. They were very clumsy, though, and I got suspicious, but not before I had opened my bank account and XXXX web view ( stupid, I know ). In the end, though, I think they attempted to get money from me but were so unskilled they actually put money into my account. Then they began demanding to get it back. I was willing to send it back, but they had no good way to do this, no account number to send it to, and so on. They wanted me to buy gift cards and give them the numbers on the back. Then they wanted me to make a crypto transfer, but didn't seem to know how to pull that off. In the end I had to get off the line and agree they could call back the next day ( today ). Upshot is I have extra money in my account, and no idea where it came from ( the online page lists it only as " ONLINE TRANSFER FROM CHECKING '' with a couple of ( to me ) meaningless reference numbers ), which is actually a little scary. I have changed passwords. In any case, PayPal has no record of this {$500.00} transaction they mention.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upgrade, Inc. (GA)

Upgrade - reporting a charged-off account on my credit reports. I received multiple contradicting emails about having an account, not having an account. I never took out a loan or line of credit with this company and have told them this many times via email. I have disputed with XXXX XXXX with no results in my favor. I had many issues with identity theft and fraud charges since the pandemic. They will not speak to me at all. No one calls back, no one will talk unless I provide personal identification such as social security number which I refuse to do over the phone with a company I have never used.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IA)

I have tried for over 30 years to get he lp with a for profit school XXXX XXXX XXXX located in XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX ( XXXX ) was a for-profit post-secondary education organization in North America . Through more than 50 campuses and subsidiaries, it offered career-oriented diploma, Associates and bachelor 's degree programs in advertising design, architectural design, health care, business, criminal justice, transportation technology, construction trades, and information technology. 
XXXX XXXX XXXX XXXX, agreed to acquire remaining assets of XXXX XXXX XXXX in XXXX. At the time of the acquisition, XXXX XXXX was the world 's largest provider of education through mail or computers. 
The school missrepentation of everything from job pay and prospects. 
I now owe XXXX XXXX dollars almost all on intrest. 
I was advised to attend the school by the State of Iowa I was approved for Pell Grants and other grants To pay for this. 
The school was so bad that the teachers left in droves and they had other students teach. 
I learned next to nothing. I wanted to leave but was told by the school I would have to pay everything back so I stayed. 
I have never been able to get a job in computer repair or coding. 
I am now turning XXXX this month I have made so many attempts to settle things with no results I was finally able at XXXX to get a position in XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX I have been told I have made 109 qualified payments toward XXXX I just can't work full-time anymore. 
Can you help me understand why I can't get the debt forgiveness like other schools that were closed and debt forgiveness was given. 
I will now still be responsible for the rest of my life for at least XXXX XXXX dollars in intrest. 

XXXX XXXX
Consumer complaint received 2022-12-31
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.