davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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 (UT)

On XX/XX/2022 my wife, my son and myself used three credit cars to make a purchase with XXXX XXXX XXXX in XXXX XXXX XXXX The original charge was approximately {$15000.00} split fairly evenly between the three cards. 

After the company failed to produce the product as agreed upon in the contract, we attempted to contact company via email, phone and text and could never make contact or receive any call back or email. 

In XX/XX/2022, all three of the cards used put in a fraud claim with their credit card companies and we each received confirmation of a provisional credit by around XX/XX/2022. My letter from Barclays was dated XX/XX/2022. My actual credit came on XX/XX/2022. 

My card alone had the charge reversed on XX/XX/2022 XXXX 's said the charge was valid. This came despite the fact that I have received nothing up to this date. 12 CFR 1026.13 ( a ) ( 3 ) states a billing error for a service not delivered to the consumer as agreed. 

I would appreciate your assistance in this matter. XXXX XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collectors Corp. (GA)

XXXX  XXXX XXXX Amount {$1400.00} XXXX XXXX XXXX Amount {$1700.00} Both are medical bills and have been pass to 3rd party collectors that I didn't authorize them to obtain my information
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (IN)

In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681Section 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 consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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 incorrect.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Debt collector is trying to collect a deb which is not validated by law with a ( wet ink ) contract. Debt collector is damgming credit y reporting debt to all three credit agencies XXXX, XXXX, and XXXX. Dedt collector is sueing me in state court and has no proper documentation by law that it owns the debt.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I have three credit cards ( XXXX 's, XXXX, XXXX XXXXt ) which are all issued through SYNCHRONY BANK. When I receive a bill from these companies, the payment is made to SYNCHRONY BANK. I have had these accounts for several years, and have always paid on time ( we HAD excellent credit ). I have been receiving paper bills in the mail, I do not pay electronically. In XX/XX/2023, I received all three bills in the mail, and paid the balance, or the amounts due. I did not receive a bill in XXXX, XXXX, or XXXX on any of these three accounts. 
In late XXXX I received emails stating that all three accounts had been closed for non-payment, with months of interest and penalties added. I called to resolve the issue with each SYNCHRONY account, and was told that I must have asked for electronic billing. I did not ever request electronic billing, and there was no billing sent to me ( I checked spam and trash ). I asked for paper copies of each bill, for each month, from each card. When I received the copies, I noticed my XXXX, XXXX and XXXX statements had been sent to an address in OKLAHOMA! ( I never lived in OKLAHOMA and live on the west coast! ) I filed a complaint on each account and they denied it. SYCHRONY BANK will not admit that THEY screwed up. I am trying to repair my XXXX XXXX - and cancelled all accounts with SYNCHRONY BANK! They will LIE to your FACE!
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I was invited several times to apply for a XXXX  credit card, I finally did it and I was denied, the reason they said it was because I was late on my other credit card. I have all my statement I have never been late with them or any other card. When I called customer services they passed me from Business card department to customer service to XXXX  department etc 8 times without solving anything or showing proof of where I was late. when I asked to make a formal complaint or speak to supervisor they kept sating they couldn't hear me. I hang up and called again, the same thing happened when I asked to speak to a supervisor, suddenly they couldn't hear me. So they refused to prove i was ever late and refuse to take my compliant.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (GA)

I have been using Binance.US for about a couple years now, with no prior issues using the platform. However, two days ago, I suddenly was locked out of my account. Support has continued to give me the same generic guarantee that they're " working on resolving '' my issue and that they will update me " via email '' as soon as there is new information, but it feels like nothing is being done to remedy the situation. I went through the process of getting Advanced Verification on my account and had 2FA enabled, so I can't possibly imagine why I'm suddenly being blackballed. I have thousands of dollars in my account and now I'm losing out on potential gains I would've otherwise made.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, * XXXX, EXPERIAN AND XXXX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Consumer complaint received 2023-07-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX : 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 2017-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc. (CA)

I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (PA)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX  and XXXX XXXX  are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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 XXXX years. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC (DE)

Waypoint collection company is calling XXXX asking my XXXX XXXX XXXX child to confirm my name address including city state and zip code. I called the number back spoke with XXXX and informed they the repeated calls to my minor child will need to stop. I requested XXXX further contact again as my child is a minor. Another call came the very same day from a person who claims her name is XXXX XXXX ( ironic ). Again I asked for no dither contact especially trying to have a minor child verify her address as this is not OK.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX. 

On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}. 

I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ). 

Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges. 

Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges. 

Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account. 

However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX. 

Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of. 

On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}. 

Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ). 

Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available. 

I should have NO balance on this account.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COXXXX XXXX XX/XX/XXXX I am officially disputing the fraudulent information and requested an immediate investigation.
Consumer complaint received 2023-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (MD)

XX/XX/XXXX I got a Home Equity line of credit from XXXX XXXX XXXXXXXX. The monthly payments were automatically being withdrawn from account. Therefore I was never late nor has I ever missed a payment. Unfortunately I lost my full time employment XX/XX/XXXX. On XX/XX/XXXX I filed XXXX XXXX and was given a monthly payment plan by court ordered Trustee. At that point the XXXX XXXX XXXX automatic payments stopped XX/XX/XXXX. XX/XX/XXXX I completed the repayment plans and got a successful discharge. The XXXX XXXX XXXXXXXX account was included in the payment plan. Immediately after I got my XXXX XXXX  discharge I started receiving numerous notices of payments request from Specializes Loan Services LLC. I had no idea who they were because I had never done business with them. I later learned that XXXX XXXX  XXXX gave or sold them my account after my discharge. Specializes Loan Services LLC has been demanding full payment from XXXX which those payments had been going to my trustee per the Court Order. Now Specialized Loan Services LLC have totally destroyed my credit by reporting to all the major credit bureaus that Im has 34 late payments on my mortgage. My actual primary mortgage is with XXXX XXXX XXXX XXXX which Ive never been late or missed a payment. These actions taken by SLS is now jeopardizing my Top Secret Clearance which Ive had for over 30 years which jeopardizes my meaningful employment capabilities. Ive tried everything to get this matter resolved but SLS operates like an aggressive debt collector demanding {$25000.00} from me. In XXXX I filed XXXX XXXX to help get myself back to financial stability. SLS has now unjustly risk my chances of decent employment and or cash out refinancing. Ive attached 3 documents which verifies what I have outlined in this report. Both XXXX XXXX XXXXXXXX and Specialized loan services are reporting the same account to the credit bureaus. I find it hard to believe that this is a legal action. Right now I dont have the funds to hire an attorney to address these critical matters.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (PA)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX, XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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. 

The admissions of the Department of EducationXXXX and US Dept of Ed in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.