davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX card issued by Barclays. Barclays stubbornly refuses to provide the additional XXXX points for {$6000.00} spent within the first year, and only credited the base XXXX based on {$1000.00} spent within 90 days. Barclays reps are poorly equipped to handle and discuss card features much less read the disclosures. Again, the card does not call for aditional {$6000.00} to be spent, instead it merely calls for {$6000.00} net for the year. Client qualified for XXXX points, double the XXXX points he was awarded.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

Email received from XXXX XXXXXXXX XXXX purporting to be PayPal. The body of the email contains this text ( below ) and a PDF attachment. I DID NOT OPEN THE ATTACHMENT. It is attached. 

This is fraudulent. I rarely use and owe nothing on PayPal.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC (FL)

To whom it may concern, Delinquent account underwent three transfers over a 7 year period : from XXXX XXXX  to XXXX XXXX/LOANCARE to LOANCARE. Each time the account was transferred it received a new account number. As a result, the delinquency is reflected on my credit report beyond the 7 year time limit because the account last received a new account number in XX/XX/XXXX, making it look like it was a newly reported delinquent account at that time. Date of first delinquency is XX/XX/XXXX, and this account should be removed from my credit reports as directed by the Fair Credit Reporting Act. 

Thank you in advance.
Consumer complaint received 2024-03-07
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. (FL)

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  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My XXXX account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under Equifax it shows that i have XXXX XXXX late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted
Consumer complaint received 2022-10-19
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: Paypal Holdings, Inc (FL)

I made a {$74.00} purchase from XXXX on my account on XX/XX/2022 ( transaction # XXXX ). I canceled the ticket with the company. I was meant to receive a refund of 80 % of my purchase ( {$59.00} ). I have not received the refund. I contacted PayPal and filed a dispute. They replied with a very confusing message about requiring more information by XX/XX/2022. I replied saying I did not understand but sent them the information contained here ( in the form of a copy of the transaction information from their website and a receipt from the company ). 

They closed the dispute in the seller 's favor because I did not reply as requested ; however, their own website shows I replied on XX/XX/2022 and the documents I attached. I have been trying to contact PayPal via telephone as I am not able to resolve this online. This weekend I spent several hours on the phone. PayPal 's automated system is geared toward not allowing consumers to speak to a person. When I did get through ( after holding for many minutes, I was disconnected once, told I needed to speak to another department and then transferred back into the same queue I had just left. 

I was finally able to get someone to help me and I was told I needed to speak to someone in another department. I begged not to be transferred and received the telephone number. Today I have called this number but again it is geared toward getting me to go to the website ( this does not help as they have closed the dispute ). Once I did get placed in a queue to speak to someone, the message states it will be 45 minutes to over an hour. I waited for 30 minutes and was disconnected. I can not resolve this issue without speaking to a person who is both competent and properly trained. 

PayPal is a large financial institution that is not behaving as an ethical and responsible financial institution. While I understand that I can not be dealt with immediately, I should not be left to feel that I am dealing with a man in a back alley buying black-market currency. I should be able to contact a person without having to deal with a electronic system that is either poorly designed or designed to shield PayPal from being accountable for their mistakes or poor customer service.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (PA)

I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.
Consumer complaint received 2024-03-07
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. (TX)

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, XXXX XXXX XXXX XXXXXXXX, 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 2 out of 3 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 :
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX, contacted Chase Bank to reverse payment error, the payment was meant to be for $ XXXX. However, the payment went through for $ XXXX. Called Chase Bank XX/XX/XXXX to reverse payment of $ XXXX and process the payment for $ XXXX. I was informed the reversal would take XXXX business days. CSR stated he would set up autopayment for Friday XX/XX/XXXX for $ XXXX. Allowing time for $ XXXX reversal to process. Friday XX/XX/XXXX, contacted my bank and the $ XXXX had not been received by bank. $ XXXX was scheduled to come out XX/XX/XXXX. I had to take out a personal loan at bank to cover this payment and several other small payments that were coming out. These payments would have been covered by the $ XXXX reversal. XX/XX/XXXX spoke with XXXX, a supervisor, he told me it can take up to XXXX BD for reversal to process. Told me he could not resolve my issue. Had I known this, I would not have agreed to another $ XXXX coming out on XX/XX/XXXX. On XX/XX/XXXX, call Chase again. Spoke with XXXX, supervisor, she said the reversal was not processed correctly and she would fix it and I would get the money in XXXX XXXX.I am accruing interest on the $ XXXX reversal b/c Chase immediately recharged my XXXX the $ XXXX reversal. It has been 10 days of interest accrual and now I have to wait another XXXX, I want 17 days of the interest for $ XXXX credited to my account! Chase has held my money for 17 days while still charging me interest.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (NJ)

On about XX/XX/XXXX I tried to contact Volkswagen care and credit telling them Im permanently XXXX which left me without a job, collecting XXXX and losing half of take home every week. My wife had to get a job jus to help me with my bills. Volkswagen denied me any option to trade it in or lower my monthly payment. I sent them all proof they required still cant afford the payment today
Consumer complaint received 2020-12-18
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. (FL)

Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-10-19
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. (MS)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (TX)

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 :
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (MO)

I was contacted on XX/XX/2020 by Allied Collection Services Inc. of Nevada about a XXXX dollar debt owed to XXXX. I have never been a XXXX customer. Their number given to resolve this issue did nothing but try to pry more personal information out of me. I signed up for XXXX immediately after to monitor both this company and the possibility of identity theft. It's great I did because ACSI put this on my credit report on XX/XX/2020 despite the fact that it still isn't my debt. Also, they reported the debt being from XXXX of 2020, which is simply way too soon to put a XXXX dollar debt onto a credit report, even if it was my debt, which, to reiterate, it isn't! 
According to other reports, I'm not the first person they've done this to. They don't even bother to change the fake representing company ( XXXX XXXX. This company, if it's truly making up these debts, needs to have its doors shut. If it's just an unfortunate coincidence brought about by identity theft, their practices are still awful and must be monitored more closely.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received my Transunion Credit Report with the information from the XXXX XXXX XXXX XXXX being reported inaccurately. I contacted Transunion asking for the information to verified after I had received letters from XXXX XXXX XXXX on XXXX XXXX XXXX and a letter from XXXX XXXX XX/XX/XXXX. The first letter indicated the information of the account stating the account was discharged in a XXXX XXXX  bankruptcy. They also stated that the account was charged off XX/XX/XXXX. 
The letter was XXXX XXXX indicated the account was settled with a XX/XX/XXXXXXXX filing XX/XX/XXXX. They also state this was closed XX/XX/XXXX not charged off as stated by XXXX Services. XXXX XXXX states the account was sold to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXstates they acquired the account XX/XX/XXXX. Which is a week before XXXX sold the account to XXXX XXXX XXXX! 

Also the included document was received with language crossed out.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have removed a bankruptcy from my file. I have already disputed this with XXXX, Equifax, and XXXX and it came back verified. This would mean that a proper investigation was not conducted which is a violation of my consumer rights and I have a right to sue. Please see attachment for details.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

THIS IS NOT A DUPLICATE COMPLAINT - PLEASE READ - THIS IS A NEW COMPLAINT ABOUT A NEW & RECENT ISSUE WITH SPECIFIC INFORMATION SO SHELLPOINT DOES NOT RESPOND WITH A VAGUE AND AMBIGUOUS ANSWER Shellpoint letter dated XX/XX/20 indicates " your mortgage payment that was due on XX/XX/20 is now 17 days past due ''. This is the 3rd letter I received that my mortgage payment was not received. The mortgage payment due for XX/XX/20 was mailed via USPS certified mail with tracking number XXXX and was delivered to an individual on XX/XX/20 at XXXX XXXX. The money orders were issued as follows for XX/XX/20 payment. M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$340.00} and was cashed by Shellpoint on XX/XX/20 I responded to their letter dated XX/XX/20 via USPS certified mail tracking number XXXX and Shellpoint has refused to investigate or respond back to my letter disputing their assertion that my XX/XX/20 payment was not received.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I pulled my consumer credit report and saw inaccurate information being reported by a debt collector. This debt collector has not provided evidence that this alleged debt belongs to me. They pulled my credit without authorization when they received my validation letter on XX/XX/2022. I did not give them consent. I have a right to privacy.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

I have disputed this account several times and can not get anything resolved. I even have a letter stating that Comenity Bank investigated and found the account to be fraud!!! Yet they continue to bill me and put delinquent status on my credit report. If this account is fraud then how can I be delinquent??? I also found on XX/XX/2020 on my XXXX report that Comenity had XXXX accounts for me!!!! Imagine my surprise to have opened XXXX accounts on the SAME DAY unknowingly!!! And charge on BOTH accounts!!! I am getting sick of seeing Victoria Secret bills and Comenity Bank being on my credit report. Then after requesting for them NOT to contact me ... .I got a call today wanting to discuss my dispute!! There is nothing to discuss. I have a letter stating it is fraud yet Comenity continues to post as I am delinquent. This needs to be removed from my credit report, all XXXX, immediately.
Consumer complaint received 2022-10-19
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. (WV)

The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Consumer complaint received 2020-12-20
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: JPMORGAN CHASE & CO. (GA)

I filed a dispute with Chase Shappire credit card for a charge of {$500.00}. I explained to them I never received any service from the merchant and neither did I do a consultation with the doctor. The merchant was XXXX XXXX XXXX and they refused to give a refund stating that, my charge was for a consultation that I never had. Chase stated I'm responsible because the merchant states it is non refundable. This is unacceptable because no services were rendered and Chase should be protecting me as their customer from this type of situation. It should be illegal to charge for a service not rendered and not giving a refund.
Consumer complaint received 2022-05-13
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. (OH)

PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE! 


THESE CREDIT REPORTING AGENCIES NEED TO BE REPORTING 100 % ACCURATE INFORMATION AND NOT WHATEVER THEY WANT TO REPORT! THIS WRONG INFORMATION HURTS ME AS AN AMERICAN AND AS A CREDITOR!
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP (NJ)

We have been receiving harassing phone calls from Keybank regarding an alleged debt. Although Keybank as been notified to stop calling, the calls continue daily. Also in attempt to resolve this alleged debt a notarized affidavit to dispute and requesting verification of debt was sent certified mail to Keybank back in XXXX 2020. No response was received regarding verification of debt. The calls had slowed after letter in XXXX 2020, however have recently started to be a couple to few times daily. My mother is elderly and has health conditions and has been disturbed tremendously with the stress from these phone calls and letters ( that note " debt collector '' ) from Keybank as she has hard time even getting the phone to answer. 

It was clearly communicated on each call from Keybank, to no longer call numbers noted on alleged debt account or to send threatening letters that they are debt collectors. A call received from Keybank today caused major stress as the representative responded to her after noting once again it wasn't her debt, please don't call ... representative responded " pay your bills and we won't be calling. '' Also stressed has been caused as Keybank has reported information to the credit bureaus that have adversely affected both of our credit scores. We are both aware of our natural protected consumer rights these are clear violations and we are requesting for this matter to be resolved as soon as possible as it is affecting our lives daily. 

Some of the noted dates and times of recent calls : XXXX/XXXX/20 XX/XX/XXXX20 XXXX XXXX XX/XX/XXXX20 XXXX *yes am ( have voice mail proof ) XX/XX/XXXX20 XXXX XXXX/XXXX20 XXXX XX/XX/XXXX20 - XXXX XX/XX/XXXX20 XXXX XXXX/XXXX/20 - XXXX Thank you.
Consumer complaint received 2018-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I submitted documents for a HELOC, and the lender ( BECU - Boeing Employees Credit Union ; Routing # XXXX ) lost them. The loan application expired w/out the lender making me aware prior to expiration.