davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

In XXXX I was approved for pua unemployment benefit the office mailed me a letter through the mail and it said the card would be here within ten days. I waited and waited no card came so I call to find out and here they sent my card to another address where it was stolen activated the card and spent {$14000.00} and so I called state cops and opened a investigation did all kinds of paperwork for the card center and they are refusing to pay back my disputed transactions I'm a single mother with no support and forced to stay home with my children we have nothing I wan na a lawsuit the kids want a lawsuit this is their fault and my children and I shouldn't have to suffer. I have no money no food my kids have no winter clothing. What do I do.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NJ)

I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2020-10-06
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. (NJ)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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 information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NY)

After receiving multiple phones calls, Threatening me to pay amount that was already pAid. They told me they would delete Collection from my credit report. They deleted then posted again as a new debt owe for the same collection. Ive asked them to delete and remove this debt but Ive had no success. Please help. Ive asked XXXX  and XXXX XXXX  or better know XXXX  to provide me with documents confirm the removal will be taken care of but been denied
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$360.00} for a XXXX XXXX  according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Consumer complaint received 2020-10-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Account XXXX - XXXX XXXX XXXX XXXX I opened a Bank of America credit card XX/XX/XXXX because of the no interest balance transfer and no interest on purchases for 1 year. [ Page 6 ] Bank of America falsely advertised no interest on balance transfer and no interest on purchases until XXXX of XXXX. 

I called on XX/XX/XXXX and XXXX/XXXX ( unknown spelling ) told me I read the advertisement wrong. 

I said I wanted to talk to a manager. He said no one where available and I could email a manager XXXX XXXX at XXXX. I got no response. [ Page 5 ] I followed up XXXX of XXXX after I paid of the transfer balance and no response. 

I called back on XX/XX/XXXX and talked to XXXX. I was still calling about XXXX ; however, I was also calling about an interest charged not related to the balance transfer. 

XXXX said he could not reverse it. And said XXXX would call me back. I got no response. 

Bank of America customer service " told me what I wanted to hear '' to get me on the phones and never followed up like promised. 

I can attach the full documents and/or print them off ; however, I made it simple. 

XX/XX/XXXX to XX/XX/XXXX = {$26.00} XX/XX/XXXX to XX/XX/XXXX = {$93.00} XX/XX/XXXX to XX/XX/XXXX = {$53.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$7.00}
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AR)

XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX   XXXX had to delete the account then in late XXXX  it was put back on credit report
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Calling Credit Coll at XXXX got XXXX XXXX He requested the address, I asked if they could confirm the DOB instead but they dont have my DOB on file so they asked for me to confirm my phone number instead. Once that was done I asked if I could settle this today for deletion as I never got a written notice to dispute. 
Getting transferred to his supervisor XXXX at XXXX, I let him know no notification in writing had been delivered to me. I also know they dont even have my DOB on my file.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank, during the month of XXXX 2015 closed my Old Navy Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Old Navy Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (CA)

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with Experian, XXXX, and XXXX. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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  In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA.

I am an FHA program buyer and Experian 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (HI)

My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the active-duty military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XX/XX/XXXX, I emailed the company regarding concerns with the account. From XX/XX/XXXX to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXX to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed without my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, a glitch in the Firstmark system indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. The company failed to amortize my account from XX/XX/XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call. Additionally, annotated in the payment history, the payments made on XX/XX/XXXX and XX/XX/XXXX were not applied to the principal or interest for the loan. Based on the payment transaction, a total of {$20000.00} in interest was calculated for the loan that I am seeking clarification on as well.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.
Consumer complaint received 2023-05-06
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. (TX)

After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

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. 

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 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 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 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 has violated my rights, and has been reported with multiple account numbers for same creditor on all 3 credit bureas. 

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 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 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.