davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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)

Numerous correspondence back and from Barclays Bank of Delaware ( my credit card company ), indicates they could have reversed the charges for : Airline tickets CANCELLED by the airline Timeline : XXXX- Barclays spoke to airline, XXXX, whom agreed " over phone '' to reimburse me per submitting my checking acct. information through a responding email. Although I was told this was not legally necessary because they could have reimbursed me through original method of payment- my Barclays credit card- I STILL COMPLIED TO SUBMIT MY CHECKING ACCOUNT INFORMATION. 

From XXXX to XXXX ; continuously advised Barclays that XXXX was not responding to my request for refund. Due to XXXX XXXX change in Personnel, every time I called for follow up, they could not locate the reimbursement request with my checking account information that " I had already submitted '' to the prior employee. I was told to resubmit again to the new employee. This was done 3 plus times ; emailed to : XXXX, XXXX, XXXX, and their legal department as well at : XXXX, ALL OF WHOM HAVE NEVER RESPONDED. 

In XXXX, I wrote to Barclays indicating the issue I was having with this company. 
I was told by Barclays to " wait '' and follow their instructions of waiting 60 days. 

Between XXXX & XXXX ( 2020 ) and my numerous attempts to collect on my refund, I contacted Barclays again in XX/XX/2020, and requested they re-open my claim. I was told they would do so but no response. I contacted Barclays again in XX/XX/2020 and finally they really did reopen my claim and later in XXXX, they sent me a denial indicating my time frame had lapsed and they could no longer collect or reverse the charges. 

Only reason I have attached a consumer complaint database info is to show Barclays does not assist in disputes -- over 1200 recent complaints regarding same issue.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the situation.
Consumer complaint received 2022-03-23
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (CA)

I attempted to obtain my credit report through the Experian website on XX/XX/XXXX, only to be repeatedly told that my report could not be found and that I needed to confirm the accuracy of my address. This seemed odd, as I was entering the correct information - the address I was inputting was literally on a credit report that Experian sent me less than two months prior. 

After struggling with the website and having no luck, I called Experian, and literally spent more than five hours trying to resolve the problem, constantly be shuttled in between the customer service and membership departments and being left on hold for eons. At least four different times, I was placed on hold to be transferred to someone, and then the line cut out. 

Of the course of talking to 10+ different people, I was alternately told that 1 ) everything looked fine and that there was just a problem with the website 2 ) that I had incorrectly answered security questions ( not true ) and that no changes could be made to my account for 72 hours and 3 ) that somehow my credit report no longer had any active addresses. With the latter option, this was apparently the result of me previously asking them to deactivate an incorrect variant of my correct address. Somewhat at Experian deactivated both the wrong variant of my address and the correct address, leaving me with no valid address in their system. 

Attempting to rectify this, I was told that I could go to experian.com/upload to submit documentation proving my identity and address, but that didn't work - I was repeatedly told " We're sorry. We were unable to honor your request. '' Apparently my only option is to literally mail in documentation proving my address and identity, despite the fact that the original error was committed by Experian. Even worse, I'm currently living abroad, which means that this will take weeks to resolve. I just want my credit report and Experian is making it impossible, and even worse they're making no effort to rectify their own errors, putting it back on me to clean up the mess that they made. 

This is an awful company, with horrendous customer service.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

Navient is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the XXXX XXXX XXXX XXXX Navient failed to perform their obligation to respect and protect my privacy. Navient failed to provide me an adequate opt out notice and Ive NEVER granted Navient any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navient actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navient breaking under the Fair Credit Reporting Act, Truth in Lending Act and XXXX XXXX XXXX XXXX, I am demanding Navient to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navient is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2020-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MO)

I submitted an international money transfer request on XX/XX/2020 to help my parent in XXXX for {$500.00} in USD through Remitly.com. It was promised to be delivered on XX/XX/2020 XXXX XXXX   PDT which is XX/XX/2020 XXXX XXXX  KST for the amount XXXX in XXXX. That day, I was contacted that it was stopped by their quality assurance team that it needs some additional information of my recipient. I understood that and waited. I continued to notify my parent that the bank would contact her for verification and I made sure that she was aware if somebody contact her for more bank information. A few days later, my parent still hasn't heard from anyone and I was contacted my Remitly team again that it the transaction was failed. And they need the same information ( recipient name, account number and the currency unit ) to resubmit the transaction or cancel it for refund. They requested me to call them or email them back. I first tried calling, but I could not connect to anyone possibly due to COVID-19. Even though in the e-mail, I need to reach them as soon as possible by phone or email. So instead of calling them, I emailed them back with the information they requested. The next day or two, I receive the same email saying they need the additional information. They apparently hasn't received my respond. I tried calling them again, no answer. So I email them back again with the same information. The next day, I get another same email requesting the same information for the third time. I respond back the same information for the third time and request them a refund and a cancellation since this has way passed the time they promised and my money is on the air. And I am having such hard time communicating with them, I can not get a hold of anyone on their team. I do not know where my money is at right now and I can not talk to anyone. It's very frustrating because I was trying to help my parent not being able to work due to COVID-19.
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (AL)

I spoke with XXXX XXXX the week of XX/XX/2021, I was behind on my payments. I explained to XXXX XXXX I had just loss my mom and I would pay the following week, I did not because I forgot, yet in grieving process. I have gotten behind at times before due to coronavirus work issues but never not paid. I returned home XX/XX/2021 and the man up XXXX XXXX from me gave me my mail. There was a unprofessional message written on one of my statements from Tower Loan for the world to see, which violates my privacy. I called down to their office and XXXX XXXX answered, I confronted him about this and he informed me, he wrote the message and he was within companys regulation to collecting a debt.
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

Upon reviewing my most recent personal credit report, I discovered that fraudulent items are still present on my Experian credit report. I had previously requested an investigation into the following items to identify the party responsible for their unauthorized reporting in my credit file. Following the completion of your investigation and the confirmation of my claims, I request the removal of these items and the provision of an updated credit report to my specified address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act, Section 605B ( a ), you are obligated to eliminate any items opened without my knowledge, consent, or authority within four business days, provided that you receive ( 1 ) valid proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me affirming that the information does not pertain to any transactions made by me.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le 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 by such agency of XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX - I received a phone call from a lady stating that they were trying to serve me court documents. I asked for what? She said some company filed a judgment against me but couldn't provide any information. She gave me a claim number and a phone number. I called and spoke to someone named XXXX. She stated Santander filed a judgement against me. I explained to her that can't be true because the debt is really old, from XXXX. Also, it was sold to another company and discharged in a bankruptcy. She stated for to review my bankruptcy discharge and give her call back. I did, she then stated, I have to take the items to court, I can't send her anything. However, she did say I can pay her restitution. Which is strange, I've never heard of that involving a debt. She stated that Santander tried contacting me to no avail. I said that's a BLATANT lie. I asked for her to explain how she can collect on a debt that was discharged. She transferred me to someone else, I don't remember his name. Very rude. He lied and said the debt is still showing that I owe Santander. I explained, I check my credit regularly and that's not true. He stated because the debt was removed in XXXX but I still owe. I couldn't get him to explain how the debt was sold to XXXX XXXX and then discharged, now being sold again to XXXX XXXX XXXX. He couldn't answer and stated he doesn't know what else to tell me. I disconnected the call. I googled and found that this company is notorious for predatory practices. I called back again and the same guy answered. I asked gor the company 's name and address. He asked who I was and I told him, he gave me the name but refused to give me an address. He proceeded to tell me that he can no longer review my file and that he transferred it over and he hung up. These people have my personal information and are trying to use scare tactics to force me into paying a debt that I don't owe. The phone XXXX.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I realized that I was being charged {$24.00} per month for Experian 's Credit Monitor service, so I cancelled the service and wrote Experian an email to ask when did I agree to this charge? And, I asked for any refund possible. As a side note, I use XXXX XXXX to monitor my credit for free. I received a refund for the latest {$24.00} charge and was somewhat happy with that. However, on XX/XX/XXXX and XXXX, I paid down my four credit cards. I paid down XXXX XXXX card by about 12 %. I paid down my XXXX card by 7.5 %, and paid down my XXXXi card by around 40 %. I paid off the {$46.00} on my XXXX card, and my student loan has also been paid off in full. So, I expected that after these payments posted that my credit score would go up. However, my Experian credit score decreased by XXXX points, from XXXX " Very Good '' to XXXX " XXXX ''. 

I feel that I am being penalized for cancelling Experian 's Credit Monitoring service. My XXXX score is XXXX and my XXXX score is XXXX, but neither of the latter two credit reporting agencies have been updated after the payments I made above.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX I contacted Goldman Sachs about my Apple Card. The app setup my auto payment to pay full balance monthly. I didnt notice it until I saw a payment of XXXX. I called for it to be reversed or cancelled and the rep processed it. On XX/XX/XXXX I noticed a declined transaction due to over my {$3500.00} limit. I new I havent used the card that much so when I checked my balance was {$4800.00}. They doubled the reversal. They have been reporting that over limit balance to the credit agency plus charging me interest. I contacted them again XXXX, and XX/XX/XXXX to get different stories each time. The last was a supervisor that said she has seen this many times but never heard on one being resolved. I was told everything to 3 days, 7 days, 10 days, 30 days and 90 days to get fixed. They finally sent an email saying the dispute was rejected. This is simple math. I also checked with my bank and I only received one refund from them as one of the supervisors said the problem was due to multiple refunds. I have seen others on forums complaining about the same thing. This means they are stealing money via interest or payments made for an error in their behalf. This is not legal. Please advise.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I used XXXX to send disputes to Experian, due to being unable to go the physical post office or unable to upload any documents. Each time I try, I receive an error message. The documents were delivered XX/XX/2022. I never received any correspondence and I called Experian on XX/XX/XXXX to inquire about my disputes and was told they were not processed because they thought they assumed they came from a third party, like a credit repair company. I let them know that since I am XXXX XXXX due to long XXXX symptoms, I could not physically get to the post office so I used XXXX to send the mail for me. They said I could upload and I mentioned that it would not allow me to. They sent me to their help desk and they were still unable to fix it. They said that they would take my dispute over the phone but I let them know that I had supporting documentation that needed to be attached. I let them know that I would send the documents again and to put notes in my account that my disputes were not coming from a third party. On the XXXX, I received notice that one of my disputes to XXXX XXXX was already completed and my account had been undated. I checked and the update is incorrect as I have documentation that the account was not charged off. Experian claims that they do not have any other way of processing disputes, which leave consumers such as myself that are XXXX or XXXX  at a disadvantage.