davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NY)

I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!
Consumer complaint received 2024-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

On or about XXXX Consumer applied for an American Express Gold card. 

On XXXX I received a letter form American Express denying me for an American Express Gold Card. 

Im aware that a creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. 

Im also aware the application is a security that I tendered via an online Application as an asset to American Express National Bank ( AENB ). 

Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 

In light of consumer protection laws and acts that protect the consumer, on XXXX a letter sent Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Legal Dept to American Express NB ; requesting reconsideration of denial for violations under color of law, the ECCOA, FCRA.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (NC)

I get 3-5 calls a week from a company- they start off asking me to verify my address as... ( I refuse to do it ). Today she said " have a nice day '' and hung up. This is the text they send after the call : XXXX XXXX, XXXX Collector. Put your tax refund to work. Visit https : XXXX or call XXXX to take advantage of 30 % off your XXXX XXXX ( XXXX ) balance. Credit Management , LP has been issued NC XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX by the XXXX XXXX Department XXXX XXXX XXXX XXXX : https : XXXX To optout txt STOP They are calling from : XXXX which is a XXXX XXXX, NC number
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-03-08
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. (TX)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX. XXXX, 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 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete. 
the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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  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 2023-03-14
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: EQUIFAX, INC. (PA)

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  has violated my rights. Or list of inquiries 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 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT HARD INQUIRIES, UNKNOWN NAMES UNKNOWN EMPLOYERS UNKNOWN ADDRESSES UNKNOWN PHONE NUMBERS TO BE FURNISHED / REPORTING ON MY CONSUMER REPORT YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ON CONSUMERS REPORT PLEASE BE PROMPT IN YOUR DUTIES PLEASE DELETE IMMEDIATELY THX YOU IN THIS MATTER.
Consumer complaint received 2024-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

In XXXX Navient reached a settlement with many states Attorney Generals to cancel over a XXXX dollars in private student loans. However, my private student loans with Navient weren't included on the list of those that were being forgiven. Instead, my student loans were charged off in XX/XX/XXXX without my knowledge. I wasn't sent a letter of warning or final action etc. I thought that my loans were in Forbearance like other federal and private loans. I contacted Navient in XXXX to start a repayment program. I was misled into believing that if I make XXXX payments the rest of my balance would be forgiven. This so-called agreement was not in writing, just over the phone. I took a chance that the representative was telling the truth. I made a payment in XXXX after asking for and being denied over the phone, for a forbearance, deferment, or XXXX related forgiveness. I currently have many ongoing XXXX issues and was contemplating on retiring early under a XXXX retirement. I asked for applications to each program, I couldn't find any applications online, and was told that they would be mailed to me. They never were. I contacted Navient in late XXXX, early XXXX, to learn more about the program only to find out that the program was not a forgiveness program. I informed that I never receive any applications in the mail and that I would need more information before any more payment would be made. I became sicker and was focusing more on my health than Navient 's lack of communication. I ended up in the hospital for over a week then back in the hospital a week later. I didn't know that Navient closed my student loans until I applied for a line of credit. I was just informed this month that I had been charged off 6 months ago. 

Navient failed to send me any notification for years about my student loans. They did not send any statements to me although I would update my address online. I set up auto bill payments and established first contact with the service. I even set up my email to receive statements or communication from the service. On XX/XX/XXXX, after the charge off, I received an email stating that they were updated my address after I contacted them to again ask for a deferment. I was not informed while talking to the representative that my loans were charged off. 

Navient failed me notify me of any action they took. Navient did everything they could to make sure I would fail at paying off my student loans.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, my name is XXXX XXXX. 
I have a PayPal account with PayPal email ID as below : XXXX I have put my XXXX name XXXX XXXX at the time of creating this account and now they ask for my legal name, so I already provided them with my proof of address and Identification. 
The PayPal company hold my money since XX/XX/2020 and they want to hold it for 180 days!!! 
Whats the reason to put me in this pandemic under the financial pressure. 

I owe this email and this PayPal is for me so they have to release my money ASAP. 
They never answer the phone and never reply to my email with the solution. 
They make me crazy. 
I am so concerned and disappointed. 

Please help me Regards XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.
Consumer complaint received 2016-10-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, XXXX To whom it may concern, I 'm filing this complaint, with the hopes that you will please assist me in resolving a Release of Lien matter with Bank of America. 

I originally signed a balloon HELOC loan with them on XXXX XXXX XXXX. That 's loan matured on XXXX XXXX XXXX and I am unable to make payments on this. When I signed on that loan, I was just a couple of years away from depending entirely on SSI comma for income, yet I spent the next ten years, depleting my savings, making certain that they got their payments and over the course of the loan, paid just over {$30000.00} in interest on this note. 

The note is due and I can not pay it. I 've turned to a broker, who negotiated the sale of my home, last month, and we 're getting absolutely NO COOPERATION whatsoever from Bank of America on this matter. 

There is a first position on this loan - XXXX. XXXX will be receiving full pay off and there is roughly {$5000.00} in Surplus cash to offer to Bank of America to settle and release this note. 

I can no longer to afford afford to even pay my primary mortgage payments, moving forward, and desperately need your assistance with this. 

THANK YOU! 

Loan information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Loan number - XXXX
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to follow up on my previous communications regarding the negative entries listed on my credit report. Despite raising this issue multiple times with your department, I am disappointed to see that these entries have not been addressed or verified accurately.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX IXXXX XXXX XXXXXXXX Balance {$0.00} XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

There are three transactions that person asked me to pay them by XXXX for documents to apply business grants. And after I paid that, I never heard back from the status of the process. I did report the claims, report to XXXX and chase, I call in chase this morning and they said they wont responsible about any transactions that thru XXXX. 

The transactions are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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: Global Lending Services LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MS)

The date reported was XX/XX/XXXX by a credit collection service. The original creditor XXXX XXXX XXXXXXXX XXXX XXXX which was opened on XX/XX/XXXX. The total amount that they are trying to collect is {$850.00} which I do not owe. I never signed any documents. I havent been sent any documents verifying that the debt belongs to me. I was only sent a collection notice from the credit collection company about paying money I do not owe to them.