davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

The purpose of this complaint is to express extreme dissatisfaction with work of Barclays banks /Dispute department/XXXX XXXX XXXX XXXX and the decision they made in the above referenced case /dispute XXXX. We are going to attach all the correspondence related to this case for your review. 
In a few words- this case is very simple : it was much easier for your Dispute Department to award this case to the Merchant ( Hotel ), but that the reservation in question was cancelled due to natural disaster of world proportions, and as clients we should be protected by our credit card Agreement. 
For someone who would review our letter / map attached it will be easy to understand that it was physical impossible for us to fulfill our reservation obligations and get to the hotel. We predicted this situation a week in advance, but in fact on XX/XX/XXXX the whole area was on a lock down and that would make totally impossible for us to drive from the airport to the Hotel. 
That should be a sufficient reason for the Dispute Department to adjudicate this claim toward us, the clients who should be covered by the Credit Card Agreement. But, unfortunately, our claim was denied with erroneous recommendation to continue attempting to resolve this matter on our own For your information, that was the first thing we have done, we exchanged multiple emails with the Hotel, and never got even an offer to split the charges, or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved. 
May be it was not clear back in XXXX, but it is clear now, that we live during the pandemic, and this is probably equal or worst to the natural disaster.. It is far from being over, and even now visitors from USA are  not accepted in XXXX. 
I strongly feel that this matter should be re-visited by Barclays management.

We attempted to contact Bank/ Dispute Department on a regular basis, few times a week. We have the names of almost all Customer Services representatives we spoke to. Unfortunately, all these people  are trained to give the same answers, but not able to access the computer, see if any of our documents, email or fax correspondence was received ... Even further, if we ask to speak to the Supervisor ( who might possibly have better access to the computer ), be ALWAYS are placed on hold, and get disconnected.
Consumer complaint received 2020-08-03
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. (MN)

Equifax I would like to Exercise my right using the fair credit reporting act 609 section act its states if a consumer may request its full credit reports including all information that is in the reports including investigation from prior investigation send me everything that is in my credit file Im concerned that you believe some credit repair company is sending information to you please send me everything in my credit file Company 's Response Thank you for submitting a complaint through the CFPB Complaint Portal. The format, verbiage, and associated document ( s ) in this complaint are similar to other complaints received from credit repair companies. Because this complaint does not appear to be a direct communication by a consumer, Equifax will not initiate an investigation into the disputed item ( s ) at this time. Please be advised that you do not need a credit repair organization to help you with your Equifax credit report. You may contact Equifax at XXXX or visit https : //www.myequifax.com to create an account, manage your Equifax credit file, and initiate a dispute. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (MI)

Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2022-03-02
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. (WI)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX XXXX  on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by XXXX XXXX   on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX. Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 a account without my written instructions.
Consumer complaint received 2023-01-06
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. (MI)

Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (TX)

MULTIPLE ATTEMPTS WERE MADE TO 21ST MORTGAGE COMPANY ON REGARDS TO PAYMENTS THAT WERE BEING MADE, I WAS REQUESTING STATEMENTS OF PAYMENTS ( RECEIPTS ) TO KNOW WHERE WE STAND ON PAYMENTS/MORTGAGE. 21ST MORTGAGE COMPANY REFUSES TO SEND ANY INFORMATION VIA MAIL, EMAIL OR ANY TYPE OF PROOF AS TO WHERE MY PAYMENTS ARE GOING AND HOW MY HOME LOAN IS BEING PAID OFF.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXXXXXX/XXXX XXXX inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX/XXXX XXXX  has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from ALL STUDENT LOAN thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (MO)

AmeriCollect XXXX : This was through XXXX XXXX Hospital in  Missouri and it was for my daughterXXXX She had double coverage at the time of this bill. Insurance was never billed and I tried to Call the hospital billing department to which I never received a call back. i do not owe this debt. This needs to be filed with the insurance.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OR)

What to Do if You Get an Unsolicited Credit Card I received a U.S. Bank ReliaCard to my home in XXXX OR. 
It was supposed to be for benefits from the Colorado Department of Labor and Employment ( CDLE ) I filed a fraud report with the organization and called U.S. Bank Fraud Department and was told they would look into it. 
I have excellent credit and am XXXX. 
I never lived or worked in the state of Colorado. 
How can I be sure that this will not affect my credit or IRS information. 
I file taxes in CA and just paid for 2019 quarterly taxes. 
How can I find out if my information was fraudulently altered? 
How can I be assured this account is closed? 
I have put a freeze on all my accounts with credit monitoring agencies.
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

This loan is hard to keep up with. It's been a year of making payments and I Still owe more than I borrowed. It's a huge financial burden.. I explained to their reps that this loan was taken because my finances were hit hard from covid.
Consumer complaint received 2022-03-01
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. (MO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

Ally Financial : XXXX : Police report wrote that I was using this car for work and I was delivering news papers at the time of the accident. My gap insurance didnt pay out for this because of the false information that was filed by the cop who wrote the report. I was using this car for personal use only. I was driving from one job to the next and told the police officer this. They billed me for the remaining balance and I do not owe this. This cop wrote false information.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX. I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2020-08-03
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: SYNCHRONY FINANCIAL (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Syncb/Paypal on XX/XX/2019 and I have no recollection of doing any business with Syncb/Paypal. I contacted Syncb/Paypal, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2022-03-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

Ive received a Pay Day loan with Check n Go in XXXX for {$300.00} and Ive received a call XX/XX/XXXX from representative who states this is considered fraud and if I dont pay the debt or give my bank information theyre serving me with a warrant for my arrest. The representative also requested a portion of the payment in order to stop a warrant from being served at my place of employment or home. I advised the rep I never received any documents regarding this issue and they advised it was sent to an old address but its my responsibility. Im really scared to give my bank info but Im also scared to be arrested for a {$300.00} payday loan that is now {$1400.00}. Is it legal for the threats and harsh calls with representative yelling at me?