davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifex : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  Equifox : XXXX XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2023-07-10
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. (MI)

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 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of Education? XXXX  # XXXX, Account XXXX : Dept of Education/XXXX  # XXXX XXXX Account XXXX : Dept of Education/XXXX  # XXXX, Account 6 XXXX US Dept of EdXXXX # XXXX, Account 7 XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, Account 8 : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account 9 : XXXX XXXX XXXX XXXX, Account 10 : XXXX XXXX  XXXX XXXX XXXX5 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years. 

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Beginning XX/XX/XXXXof this year my house payment was increased nearly {$1000.00} per month ; from what I am being told it was due to escrow shortages from a property tax increase. I have spent the past two months attempting to obtain a partial release to sell off a portion of my property to compensate for the property tax increase that I will not be able to continue paying much longer. I was initially told that it would take 30 days to process, then told 60 days, then 120 days, and now that they do not know how long it will take. I have requested a number of times to speak with the special loans dept to clarify and to find out if they need anything else from me, but I keep being told that I can not speak to anyone in that dept and that I would receive a packet in the mail. I have not received anything in the mail and it has been months. I spoke to the loan guaranteerer about my situation and he said to speak to the escrow dept of my servicer to spread out the negative equity while I await the partial release. I called loancare ( the servicer ) and again was told that I can not speak to anyone in that dept and to write an email. I sent the email request and have had no follow-up from loancare. I have never been late on a payment and am working hard to maintain my end of this contract, but a near {$1000.00} month increase in my payment is ridiculous. I can not seem to get any assistance from loancare to help resolve this issue.
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MN)

I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the account.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and Wf Bank Na with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-10-18
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: SYNCHRONY FINANCIAL (MO)

Credit card refused to close an account and remove unauthorized charges in an amount of {$120.00}, after I called and reported those transactions as fraudulent. The company who was making charges breached contract and I ask credit card to stop payments which they failed to do. 
Customer service was very rude and refused to fix the issue. 
Worst customer service!!!
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NJ)

First of all, a big XXXX you to everyone at Barclays who was involved. The issue is pasted here. As I work for XXXX XXXX, management is also aware, they are reconsidering partnering with Barclays in the future. To Whom It May Concern at Barclays Bank/not that you actually care : I am beyond frustrated with the complete incompetence and mismanagement of my account. After being blocked on XX/XX/XXXX due to address, phone number, and PIN updates, I submitted all required documents to your fraud detection team. On XX/XX/XXXX, these documents were verified, I passed all security checks during an outbound call to the verified number on file ( XXXX ), and my account was unblocked. I was even able to make multiple purchases, proving that everything was cleared. Yet, on XX/XX/XXXX, my account was blocked again for the exact same reasons, despite having already been approved. This repeated blocking is unacceptable and highlights a lack of coordination and accuracy in your internal processes. 

Your team has blatantly disregarded the fact that I completed all verifications. Notes on my account are inaccurate, and it appears a XXXX from XXXX XXXX, XXXX, overstepped her authority by re-blocking my account in ultra-blocked mode simply because she did not like the documents providedeven though the verifications team already approved them. Her hostility and interference are completely unprofessional, and her actions need to be investigated. Furthermore, I was able to reach a XXXX XXXX XXXX on XX/XX/XXXX, but now I am forced to wait for callbacks, which is entirely inconvenient as I do not answer unfamiliar calls. 

I demand immediate resolution of this issue. If this is not addressed promptly, I will escalate further by filing complaints with XXXX XXXX, the FTC, and other relevant regulatory bodies. Barclays must stop delaying and solve this matter now. 
Have the day you deserve. Which isn't good.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I became XXXX while I was attending school. My federal student loans have been discharged because I fall under their classification of non veteran XXXX XXXX. Navient has denied my application for discharge due to XXXX. They said the only way I will fall into their description of XXXX XXXX is if I 'm deemed so by the VA, but I 'm not a veteran.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NC)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX has the wrong name listed on my credit report it should be XXXX XXXX not XXXX XXXX XXXX. Middle name should be removed. 

Experian has two wrong addresses that should be deleted XXXX XXXX XXXX XXXX XXXX, Illinois XXXX should be removed and XXXX XXXX XXXX XXXX, Illinois should be removed. 

XXXX has the wrong address and should be deleted XXXX XXXX XXXX XXXX XXXX, Illnois XXXX. 

The employer is also reporting incorrectly and should be changed to XXXX XXXX XXXX for XXXX, XXXX and Experian.
Consumer complaint received 2024-10-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (NC)

I have been in private litigation with Bridgecrest since XX/XX/year> ; this dispute has requested evidence proving that I owe a debt they think I must pay. A Bridgecrest representative called my phone and stated that I owned my vehicle! How do I pay for a car that I own? Bridgecrest counsel received my response to their letter on XX/XX/year>. However, I received an email on XX/XX/year> stating, " Payment is needed on or before XX/XX/year> to prevent your vehicle from being assigned for repossession. '' Not only is this threat to put me and my family in a dispossession of what is ours a constitutional violation, but it is also a violation of the FDCPA. As a consumer and creditor under the FDCPA, I have invoked my rights to the information I requested to no avail. Bridgecrest has harassed, abused, and attempted to oppress me by way of threats, obscene language, and harassing me on the phone. Bridgecrest has engaged in deceptive acts to threaten to take legal action, seize my property, and imply that I have committed a crime. It has been unfair that Bridgecrest has continued throughout private litigation to collect any amount from me, threatened to take nonjudicial action depriving me of my due process, and use language in which is in connection with this debt collection. Bridgecrest should know as a debt collector, they have no standing to take any legal action against me & any payment foregoing is not an admission of liability.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (WA)

I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (ME)

My credit card was charged multiple times with Cash advances that were not mine. Fraud. I communicated this to Barclaycardus. I have already provided information about this. 

The company keeps telling me that a manager will call me. They say 24 to 48 hours but do not provide me the name of the person or the number they are calling from. Because their phone number is not in my contacts the calls are marked as potential spam. I don't know where the calls are coming from. I don't even know if someone has actually tried to contact me. 

I have messaged them often and yet, they don't seem to be doing anything to resolve this situation.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MA)

XXXX  days ago XXXX  contacted milestone cc/aka concora credit card requested over payment made by consumer be reversed back to checking acct where originated rep confirmed routing had checking on file state would be done.did not see refund into my checking so i called back and spoke to a women today foreign accent .dhe said does not see anything about a refund but did see where i called in.again i requested retuen of overpayment she stated can only mail and get within 45 days!!!! i said no want returned to my checking as promised.she stated could not do .i stated why then did the gentleman say it could be done .and if it couldnt be done why wasnt i given the curteousy of return phone call. requested escalation spoke with XXXX and she i explained situation to her and she stated she would get back to me.she did acknowledge that consumer did make request XXXX a unfair business practice.they get their payments right away why should i have to wait 45 days for a paper check that may never come .requested certified mail .im on a fixed income and need the cash over payment made in error. i went on my account now and can not access it .is this retaliation .i hope they did not close account and mail that would be and unfair business practice
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NY)

I have been called repeatedly by Pioneer Credit. Their number is XXXX. They often call early in the morning on weekends and wake up my children. When answering, I hear an automated message -- it references a debt of a XXXX XXXX. So I know the debt is not mine as that is not my name. I have only had this phone number for XXXX months so I assume the debt relates to a person who had my phone number previously. I called back and the representative was not helpful and noncommittal about when/if they would update their database and stop calling.
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I bought something off of XXXX, I sent the seller {$97.00} on XX/XX/2018 in XXXX currency due to them living in XXXX. They then asked me to send them {$50.00} in XXXX, for the item to be " marked as shipped '', the seller gave me a fake tracking number which at the time I did not realize. They then kept on postponing the date of when I would receive the product. They are no longer responding to my messages as well. I called Paypal because this is what I used to make the payments, they said to file a claim, and to write out what happened here.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Equifax continuously and willfully is violating the Fair Credit Reporting Act and has caused MAJOR willful financial harm. 
They repeatedly have been notified of an erroneous tax lien reporting on my credit file and they refuse to follow the Fair Credit Reporting Act. All their compliance department and their legal department do is simply use their XXXX system to verify information without actually doing their due diligence and actually investigate. 

Additionally, on XXXX/XXXX/2016, after they knew they were erroneously reporting a tax lien belonging to someone else with the similar name, I still proceeded to file another investigation by phone on XXXX/XXXX/2016. The confirmation number of this transaction is # XXXX. I requested for the erroneous tax lien to be yet again reinvestigated. We are now XXXX XXXX, 2016 and Equifax has YET TO FURNISH RESULTS. They had by law 30 calendar days to furnish results and they have failed and yet the erroneous tax lien still is on my credit report. 
Additionally, so I can consistently and continuously catch Equifax, I purposely filed an ADDITIONAL investigation online on XXXX/XXXX/2016 with confirmation number XXXX, although the first investigation which commenced on XXXX/XXXX/16 was not complete and still showing on my credit report. In this second investigation, they again have passed their allotted time of 30 days to furnish results of the investigation. 

As of XXXX XXXX, 2016, they are over 100 days and counting of my first request for an investigation with still no results and also over 15 days on my 2nd and last request. Again, a complete and deliberate violation of the Fair Credit Reporting Act. 

Additionally, on XXXX XXXX, 2016, I furnish all info to both the XXXX and XXXX State Attorney 's offices so they can conduct their own investigation. On XXXX XXXX, 2016, I hired a private law firm out of XXXX who is giving Equifax 10 additional days before filing both state and a federal suit against them for willful financial harm. 

Sadly, I can not fathom a company like Equifax continuously violating the law. They are getting to the point of being worse than XXXX XXXX and yet they seem to escape any serious consequence. 

I simply do not want yet " ANOTHER INVESTIGATION '' or wait " ANOTHER HOUR '' of their complete lack of responsibility and their complete violation of the Fair Credit Reporting Act. 

They need to now remove and delete this erroneous tax lien immediately without question. If they do not, they will be answering specifically to my attorney and law firm I have hired after they have been sued in both federal and state law. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
US BANK XXXX