davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I opened a credit card with XXXX through comenity capital Bank. Before opening the credit card I spoke to an agent who told me that I would only owe interest after the promotional period. I asked if that is when it will start to add up and she said yes. I paid my balance until the pandemic hit and now that the pandemic hit, I have no money so I paid the minimum and planned to pay it off right away so I wont accrue too much interest. Instead of being charged interest after the promotional period, I was hit with a fee from the interest I would have paid during the promotional period. After my complaint, they began updating the website to appear as if they weren't hiding that from customers. I XXXX complaints related to my situation and they said they same. I am furious because I asked them to show me mercy and allow me to pay the remaining balance in a lump sum to avoid that hefty charge and they do not care. In a pandemic, credit card companies are preying on people and this is not right.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

The Barclay 's XXXX XXXX XXXX XXXX  XXXX by Barclays in Partnership with XXXX XXXX has a fixed policy that charges a $ 199 yearly card fee where they never allow consumers to downgrade their card to a lesser fee card in order to charge consumers exorbitant rates on yearly fees. Over a 5 year period there has never been a 30-day period where I have been offered an opportunity to downgrade my card to a lessor fee when I have called in consistently, thereby holding me hostage to a higher fee card or suffering a credit hit by closing the line of credit completely. This fixed policy as implemented by Barclay 's negatively impacts consumers.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (MS)

To Whom It May Concern I have an American Express Prepaid Serve Debit Reloadable Card in which I use to make online purchases and conduct online other money transactions. However, I tried unsuccessfully to load ( add ) cash to my card to one of the authorized retailers. It would not allow me to load {$50.00} on Friday, XXXX XXXX at a local XXXX XXXX or Thursday, XXXX XXXX at a local XXXX store. I asked the store clerk why it would not take and they both stated it needed " preauthorization ''. I haven't had this problem before. I've loaded my card sometimes 3 to four times a month with various amounts. It has not reached the maximum limit of ( {$100000.00} ) for the year listed under cardholder agreement fees. There is no email to contact American Express Serve about this complaint, only a mailing address. That will take probably this time next month or many months after to get the complaint and a resolution. The telephone number only gives you certain options and when you try and bypass those options it hangs up on you. They have FAQs but someone would like to talk to a customer service agent to further direct the consumers.
Consumer complaint received 2021-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I opened an account with XXXX XXXX a year ago to check my credit to make sure it is in good standing. I found that there were collections on my credit that I was unaware of from XXXX and XXXX that were unresolved. I disputed these collections and they were resolved but they came back up on my Equifax credit report. I tried to dispute through Equifax but I could not log into their website because they redirected me to call them. I called and I kept getting transferred to another department and I could not speak to someone. I then called XXXX about my {$1.00} collection. They said it was too far back and they could not find that I owed any balance but I should call XXXX, the collection agency that was used. XXXX told me there were no collections under my name or my husband 's name which means it should have been resolved. They said they can not do anything on their end because they just have a contract w/ XXXX to pursue collections. I then called XXXX back to speak to a manager. I was transferred to a manager and was put on hold for 10 minutes. The receptionist then stated that she is unsure when the manager will be available and asked for a call back # which I gave. I am now waiting on a call back which can take up to 24hrs. I did not even realize this was on my credit. It is now taking an act of congress to see why my credit has been messed up for a dollar.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

There is an account listed on XXXX XXXX, and XXXX report that seems to be inaccurate and violates my rights under FCRA. The account in question was stated to be deleted upon successful payment, but account still remains. The agreement was fulfilled on my end, but not the creditors end. Attached is the agreement that I was aware was in effect. Please review and fix any errors on my credit report.
Consumer complaint received 2017-11-26
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. (CT)

XXXX erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Consumer complaint received 2021-03-04
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. (TX)

I purchased a XXXX treadmill on a promotional 12-months XXXX interest through XXXX XXXX. I paid the card on time and within the12 months. In addition of XXXXXXXX XXXX posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and XXXX  showed me DECEASED based on XXXX XXXX XXXX report. I called XXXXXXXX XXXX and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and Experian also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Co 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 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.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had two credit cards with this company and last year they cancelled one and just recently they cancelled the other. I don't use the cards much and pay them off as soon as the bill comes.

There was a huge hit on my credit score when they cancelled the first card and I'm certain I'll take another hit on the second card.

The credit card reasoning for cancelling my card was primarily my lack of use.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt XXXX  and Equifax followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : XXXX  XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged High Credit : XXXX {$4100.00} Equifax {$3300.00} look at the 2 year history equifax is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$2200.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt Transunion and XXXX  followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- -This has been reeaged Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- XXXXThis has been reeaged High Credit : Transunion {$4100.00} XXXX  {$3300.00} look at the 2 year history XXXX  is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CO)

My name as stated on all my legal identity documents including my Social Security Card is XXXX XXXX XXXX. Loanpal is referring to me as XXXX XXXX XXXX and is refusing to correct this. I have shown them proof of a legal name change in XX/XX/XXXX and they tried lying to me about my name legally being XXXX XXXX XXXX when it is not. They would refuse to correct my name on the loan certificate that was issued before the install was finished even though they said payments are not due until 60 days after completion of the project. They would lie to me in XXXX of XXXX and XXXX of XXXX about fixing the name on my account and still send me statements under an illegal dead name of XXXX XXXX XXXX
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I would like to thank you for the opportunity to address me concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has knowingly exposed my right to privacy and has put my reputation at stake which is a violation under 15 usc 1681 ( 4 ) Through my thorough investigated I have found that this reporting agency was reporting extension of credit that I initiated with these financial institutions showing payment history which should have been excluded from my consumer file. Is a violation under 15 usc 1681 ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. My reputation has put a restrain on me due to this un fairness of this consumer reporting agency. I'm extremely anger at this reporting agency putting me in such hardship of decisive unfair practice. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature between I ( Consumer ) and Transunion ( reporting agency ) authorizing consent to obtain and furnish my file, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

Our family has been impacted by Covid 19. My husband 's company is in the hospitality industry and I lost one of my two jobs significantly impacting our ability to pay our mortgage. We have been in constant communication with the mortgage company the whole time. Initially our loan was placed in forbearance. During the forbearance period we communicated with several representatives of the lending company in order to work out what the next steps would be. We repeatedly spoke with them asking for assistance and tried to make sure that we would not be put into a situation in which we would have to pay a balloon payment at the end of the forbearance period or be forced into a repayment plan that was unaffordable. We were assured multiple times that this would not be the case, conversations that we recorded. At the end of the forbearance we reached out again order to come up with a sensible repayment plan. After the forbearance expired ( according to the lender ) we were asked to pay $ XXXX for XXXX, XXXX, and XX/XX/XXXX respectively. As of XX/XX/XXXX we resumed our contact with the lender. We were told to submit documents in order to apply for mortgage assistance or a possible trial modification, which were some of the options that were presented to us before we were told to make the {$1000.00} payments. As we supplied the requested documentation, we kept getting in touch with the lender only to find out that the documents were not being processed in a timely manner, and the lender was " dragging their feet '' coming up with a solution for us, while starting to make threatening calls requesting us to pay the balloon or in the end offering us a repayment plan in which we would have to pay our current mortgage amount as well as satisfy the balloon debt within a year. This payment plan is not a sensible mortgage assistance program and is not showing that the lender is trying to offer any real support to it's borrowers during these trying times. We would be very happy with a loan modification in which the balloon payment would be placed at the end of the loan and the interest rate would be reduced. Apparently, even though initially that option was offered by the lender, it is no longer available. We are willing to make significant payments to our mortgage in good faith. Our lender is acting in bad faith, only offering options that they know are not feasible given our financial circumstances.
Consumer complaint received 2021-03-04
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. (PA)

Equifax credit reporting I have account with XXXX XXXX accounts it's been over seven years I've XXXX  and XXXX  remove that account from my credit report on the other hand Equifax when I try to dispute the account of XXXX XXXX account on XX/XX/XXXX my score went down XXXX points on the account never got removed from my credit report on Equifax and also this account was closed in XX/XX/XXXX but Equifax after I dispute the account on Equifax now it's a the account will closed in XX/XX/XXXX they keep sending the wrong information on my credit report this account should be removed because it's been over seven years I need your help
Consumer complaint received 2021-03-04
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. (GA)

On XX/XX/2021 I mailed Equifax a letter disputing a few errors on my credit report. I also mailed letters to XX/XX/XXXX and XX/XX/XXXX at the same time. I received XXXX response on XX/XX/2021 and XX/XX/XXXXon XX/XX/2021. I understan from the Fair Credit Act, I should hear a response within 30-45 days. I even gave a few days extra due to COVID and the mailing system being slow. However, it is now XX/XX/2021 and still have not received any notification from Equifax. According to the Fair Credit Act, all my concerns on the original dispute should be updated / granted due to lack of response. 

I would like my credit report to reflect all the disputed information at this time.
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a SBA loan in these hard times during this pandemic.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

Hello, this is in response to XXXX Please see the attached information regarding my emergency room debt with XXXX XXXX. As you can see, on XX/XX/XXXX, they were advised that I did not have insurance and a discount was applied. Please review to see why the amount you are providing me is showing the procedures without the applied discount. Please reach out to the hospital to verify the debt you purchased.