davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (FL)

I sent a letter on XX/XX/2023 to XXXX, Experian, and XXXX the following through credit karma. However the credit bureaus said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NJ)

XXXX my concern is that why is my credit score so low and my income even my income taxes that as an adult I have no mortgage loan originator or rental history or Job as a woman that has put me in a position to be self sufficient or secure in employment. I was recently told by unemployment that I did not make enough money in a quarter of {$8500.00} to get unemployment benefits and unemployment told me to apply for XXXX XXXX and the company I last worked for told me that I can get welfare who does that. I have not been able to even get anything to build my credit score according to XXXX and I put a fraud alert on my account because I was afraid that the mailing address I am using will get credit for me using this address, because I have been trying to get a place on my own as a woman and had to sleep on couches, in people 's cars, in train stations with drug attics and shelters with mental problems and not eligible for these welfare programs but told by XXXX XXXX that I can work and get food stamps as an individual even with my children.Its sad.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC (LA)

I took a payday loan out from a company here in XXXX XXXX, Louisiana ... XXXX XXXX XXXX  is the company 's name ... I have been paying on this loan for a little over 2 years ..I first took a payday loan out for $ XXXX..After paying for a while, they told me I could extend it to {$500.00} ... I have been paying {$95.00} in fees for about 2 years now on a {$500.00} loan ... Spoke with company today to try and get on a payment plan for about 4 months to repay this and they told me it would cost me {$250.00} for the first month and {$350.00} for the second month ... If I could afford this, I would pay this off, but I can't ... They will not put my payments lower because they said it was a consumer loan ... I then told them they did not tell me it was that type of loan and I didn't know what that was anyway ... They said there was nothing they could do, that they were not working when loan originated ... Please help
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MO)

My ex and I had a mutual uncontested divorce 5 years ago and we awarded her the house. The judge did not include the date we had set for the house to be refinanced by in the final papers. I have tried numerous times and ways to get my name removed from the mortgage without success.
Consumer complaint received 2019-11-13
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: SYNCHRONY FINANCIAL (OH)

See attached letter from Syncrony Bank. On the first page, the bank admits that the original application for the account is no longer available due to age of the account. So the bank has a name and address, which are 2 methods to verify the account. However, federal law requires 3 methods to verify account information.

Per the Fair Credit Reporting Act, 615, e, 3, the requirement for verification must be consistent with U.S. Code 5318. Below is a reference from the Fair Credit Reporting Act : " Consistency with verification requirements. Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31, United States Code. '' Per U.S. Code 5318, title 31, there must be 3 forms of identification. The collector has only provided name, address,
and confirmed there are no other forms of verifying identity.

Below is an excerpt of U.S. Code 5318, title 31 ( I ) ( 2 ) ( B ) : " Compliance, exemptions, and summons authority l ) Identification and Verification of Accountholders. ( 2 ) Minimum requirements.The regulations shall, at a minimum, require financial institutions to implement, and customers ( after being given adequate notice ) to comply with, reasonable procedures for ( A ) verifying the identity of any person seeking to open an account to the extent reasonable and practicable ; ( B ) maintaining records of the information used to verify a persons identity, including name, address, AND other identifying information ; '' As the law states, " name, address, AND other identifying information ''. 
Syncrony Bank has only maintained a name and address. There are no other records to maintain other identifying information since the original application for the account is not available. See attached for laws provided by the Federal Trade Commission. I have attached documents of these laws for your convenience.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

I.C.SYSTEMS : XXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Consumer complaint received 2019-11-13
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-11-13
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: BARCLAYS BANK DELAWARE (CA)

In mid-XXXX  2019  I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX  with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX  XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for me.
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

So I bought an item and paid through paypal family & friends. The seller is from XXXX so the money currency had to change so it was around XXXX euros. The seller said to have shipped it the same day I paid for it which was XX/XX/2019, but it has been a month since and I still have not received the package. I tried getting in contact with the seller through email provided on paypal, but it was invalid. I tried contacting them through the social media i found them on which was on twitter which it got suspended. Now i have no way in contacting them and cant get a refund. This seems to me as a scam, but before i paid the seller they provided me screenshots as proofs of other buyers who have bought to them, but when i looked back on our messages because their account was suspended the pictures have disappeared. I even tried contacting them about the iteme i bought before their account was suspended yet no messages. Their account seem to have been suspended recently..
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I was paid by two ( 2 ) people using PayPal. The money was received by PayPal. I have what I believe is considered a business account with PayPal. To receive my money they required me to link my business checking account. I entered the information, and it was confirmed by PayPal. 

However, despite doing everything PayPal has asked me to do on their website or on the phone, I have not been able to withdraw my money. The amount I am trying to withdraw is {$1200.00}. I have not received anything but error messages on their website and no help when calling them. Over the past few weeks, I have done everything PayPal has asked me to do. On the phone they have repeated admitted to problems with their systems. They only suggest things that do not work. They even tried to get me to send the money to a XXXX using their phone app, which is not an available option for my account. 

At this point, I am running out of options, short or making official complaints and suing PayPal ( I am an XXXX, and will do this if necessary ). Thank you - XXXX XXXX
Consumer complaint received 2019-11-13
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: Experian Information Solutions Inc. (GA)

XXXX, EXPERIAN, XXXX AND XXXX CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

PLEASE RE-INSERT ALL MY XXXX XXXX  ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.
Consumer complaint received 2017-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

[ RE : Capital One Account ending in # XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. A Police Report was filled with The XXXX Police Department on XX/XX/2017 with Officer XXXX, Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2019-11-13
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: JPMORGAN CHASE & CO. (CO)

This situation involves a XXXX painting company what I hired last XXXX ( XXXX ) to do some interior painting in my home, and a disputed amount of {$1600.00} that they charged on my credit card without my permission, and without finishing the job. I am in a dispute with Chase, who has messaged me that they are ruling in favor of the painting company ... who in my opinion very clearly committed fraud. I agreed to have the company take a 1/3 payment for the job through my credit card. After the company worked in my home for 1-1/2 days, I let them go ( it was Chase 's suggestion that I do this, as I had a conversation with one of their representatives over the phone ) ... due to issues that were unresolved with regard to quality of work and professional behavior of painters. Unfortunately I forgot to call my credit card company to protect me, and the very next day after I let them go via email, the painting company ( XXXX XXXX XXXX ) charged my card for the full remaining 2/3 of the original job ( on XX/XX/XXXX I was charged {$1600.00} ) ... even though a large portion of the job was not complete, and I never signed off and gave them permission to charge anything. The company made NO attempt to settle this situation, and I took their action of charging my account without my permission as a clear message that they were not willing to satisfy me in any way. 

After providing Chase with multiple photos, a receipt from another independent painter that I hired to fix the poor work, and complete the work that was never done, as well as a letter from the same painter stating his view of the situation ( which Chase requested of me ), I received a letter from Chase that they were still not changing their decision to rule in favor of the painting company. 

I have no reason to lie about any of this, and I have excellent credit and no history of any other disputes ( other than a vacation package scam ). I have no criminal record, and have never been in trouble with the law. I am only guilty of being very upset over the phone when the Chase has been difficult to deal with. But being upset over the phone in no way makes me a liar, or someone who is trying to get out of paying their bills. In this case, the painting company clearly committed fraud, and Chase does not seem to care. It appears that the painting company has dealt with complaints before, and maybe has a lawyer who is threatening them. I do not know what else to assume in this situation, but I do know, and would swear in a court of law, that I am not in the wrong in this situation.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

I called today to do a balance transfer on a new Citi Simplicity card that I received. I spoke with someone called XXXX ( I am not sure of the spelling ) and I was told that the balance transfer fee was going to cost me 5 %. I told her that there must be some mistake that I was told that there would be no cost for doing a balance transfer she told me that it was standard for them to charge 5 %. I asked to speak to her supervisor and she transferred me to a lady by the name of XXXX. I told XXXX that I felt like I was tricked into getting this card because I wanted to use the card for a balance transfer and take advantage of the 0 % fees. I also let her know that I was told on the phone by another rep a couple of weeks ago that there would be no fees. It turns out that XXXX wasn't even a supervisor she was only another rep and that she couldn't do anything for me. I asked to speak with her supervisor and she told me that there wasn't a supervisor there. I asked her when her supervisor would be in and she said in 3 or 4 hours. I said to her that it is the middle of the day and there are no supervisors there, then she said that there were no supervisors available. I told her that I would wait, she said that I couldn't do that and hung up on me. I feel violated and feel like I was lied to and deceived into getting this credit card.