davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/18, I went to the XXXX  store to purchase a laptop. I asked the XXXX  employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX   Rewards.

I applied for the Barclaycard and when I used the Barclay/XXXX  portal ( XXXX XXXX XXXX  ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ).

Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX  website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX  employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information. 
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Thank you
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have tried cancelling a credit tracking subscription with Experian multiple times with no success.

I emailed them on XX/XX/2018 requesting they cancel my account. I emailed them after calling them multiple times on that date to cancel my account.

When I called to cancel I was led through automated prompts to cancel. When I finally reached the prompt to select Cancel, I was told by the automated response that I do not have an account with them, which I know I do and for which I am charged {$24.00} each month.

I have wanted to cancel this for months and have had no success in doing so, and I do not know what to do now.
Consumer complaint received 2022-07-12
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. (LA)

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal consumer to privacy and confidentiality under 15 usc 1681.

15 U.S.C 1681 section 602 A. State 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 ) Sections states 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 ) Reporting information with actual knowledge of errors, 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The statute of limitations for debt varies by state and by debt type. In Pennsylvania, auto loan, credit card, mortgage and medical debt all have a statute of limitations of four years. 
Account Name : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX, XXXX
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Assured Financial Partners (MD)

They threaten to call the sheriff but didnt explain for what reason, they called my family memebers non-stop. They are calling me regular ding a debt from which is XXXX to XXXX  XXXX XXXX from 2005. I asked for more proof but non was given. Constant calls and harassment. During the entire beginning weeks of XX/XX/XXXX
Consumer complaint received 2022-07-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX )
Consumer complaint received 2022-03-31
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)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, XXXX  and TU are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Consumer complaint received 2019-06-11
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. (NM)

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

This company opened account XXXX on my credit file on XX/XX/2022 that is reporting to my XXXX and XXXX reports. I noticed this report in XXXX so I sent them a debt validation letter pursuant to the Fair Debt collection Practices Act, 15 USC 1629g Sec. 809 ( b ) on XX/XX/2022 via certified mail with a return slip as well as another request on XX/XX/2022 with a return slip. This has been well past 30 days and this company has yet to present me with the competent evidence of the signed contract between me and the original creditor where I AGREED for account XXXX to be collected by their office validating that I have any LEGAL obligation to pay them. This debt is not mine and this company is committing fraud as well as defamation of character causing me unable to get approved for a vehicle!
Consumer complaint received 2022-07-12
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. (LA)

In accordance with the Fair Credit Reporting Act, the following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2018 I signed on to Experian to get my annual credit report. They billed me {$8.00} for my credit score. What I didn't realize at the time is that they also sneakily signed me up for credit monitoring at a whopping {$24.00} per month. I did not need this since I have already been forced to subscribe to XXXX due to the Experian breach last year. I immediately contacted Experian when I discovered this but they refused to fully refund the charges to my credit card. This is theft! This is fraud! Please don't let these credit reporting agencies take advantage of us consumers. This is the second time Experian has done this to me.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and denied the claim. This is not my debt. It has been removed on XXXX and TransUnion. I have been cooperative with everything asked of me to dispute but XXXX XXXX and refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2018, I applied for the XXXX XXXX Credit Card through Chase Bank. I receive emailed daily offering miles as a perk. You receive instant credit and then you can book your travel immediately to start spending the minimum {$2000.00} to receive the bonus miles. 

I called the Customer Service number to make sure I was doing it correctly. I applied and was approved for a XXXX limit immediately. 

I was then instructed to click the link that goes directly to the XXXX website to book my travel. 

Once I clicked the link, my account profile looked different ( good sign ) and it also gave me the option to use membership miles ( never seen that before ) so I assumed something obviously took. 

After I selected the tickets, I was unable to pay with the new card ( so I can get all the bonus miles ) I called back and was told that the site must have " disconnected '' and they do not have access to my new card number and I will have to wait 7-10 business days. 

This does me no good as I will lose the bonus miles, and most likely lose the tickets I want. And if they are available, they will so much more as the tickets are for christmas travel. 
I called Chase, they said " we are the bank, they are a 3rd party, you should just cancel the card. '' I called XXXX and they said " we can not help you and we can not hold the reservation or allow you to change payment. '' So I ran my credit for nothing. I wasted 3 hours of my time on the phone. 
Neither company gave their Customer Service the tools to fix the issue as it is clear there is no intention of doing so.

This is bait and switch.

Moreover, I have activity logs that show no disruption in internet service. I run a global marketing company and my internet is my livelihood. Best believe I know when there is a disruption in service.

I filed a complaint. The representative from Chase made no effort to speak with me at normal hours. When I attempted to return her call, I was always sent direct to voicemail. I left over a dozen voicemails asking when I could call HER as I wanted to be sure to make contact. No response was given. 

I have not been given baggage fee credits or priority boarding. I purchased XXXX in tickets in one day that I planned to put on my XXXX Card. 
Every call to customer service to Chase or XXXX is met with either confusion or refusal to rectify anything.
Consumer complaint received 2017-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I received a loan in XXXX for school. I started paying the loan back in XXXX. I have paid approximately {$60.00} twice a month since then. I started receiving emails a couple of years ago from Navient stating that I was behind on payments. When I called and spoke with someone they said that my payments were n't being received and had me update the billing address and that they payments would be put onto the right account. Last year I received another call that my payments were behind and I needed to catch up. I was offered a forbearance which I accepted not realizing what capitalized interest was but continued making my {$120.00} payment through the forbearance. I received another call this month and finally spoke to two different people on XX/XX/XXXX who informed me that I have two loans with the same account number but different pay to addresses. Because of this payments were only being made to the Navient account and that is why they had been hitting my credit score and charging me capitalized interest and late fees. So now it 's been 5 years and I owe more now than what I borrowed. This conversation today informed me that I could consolidate or file for an income based repayment option. I also believe they raised my interest rate without informing me. 
They would n't help me by removing late fees or removing any of the capitalized interest from the forbearance even though I paid through them.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I sent a letter to the 3 consumer reporting agencies ( XXXX, XXXX, Transunion ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

XXXX said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

Also if XXXX, XXXX, Transunion, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX XXXX : XXXX XXXX : XXXX TransUnion : XXXX
Consumer complaint received 2022-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

There's a XXXX  XXXX Bankruptcy showing on my credit file that was XXXX XX/XX/2017, the problem is I've never filed bankruptcy. From my understanding Creditors are required by law to only report accurate information to credit bureaus. This requirement protects consumers from having any inaccurate information on their reports that would unfairly harm their credit. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to dispute inaccuracies and errors on my credit report. If I challenge an entry and the agency that reported the entry cant defend it, then theyre required to remove it. Well, I've disputed this bankruptcy multiple times with Experian, XXXX and XXXX and all three have said they verified the information with USBK Court Arizona. I sent a letter to the Clerk of Court at USBK Court of Arizona explaining that I have a record from your court appearing on my credit report. Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX- all of which confirmed the record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. The clerk of court responded stating they have not verified any personal information and that it is against their policy to provide any information to the credit bureaus. At this point it is clear, the USBK court of Arizona does not report to any credit bureaus therefore the original response from Experian, XXXX and XXXX stating that they have verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-06-18
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. (SC)

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX 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 # : XXXX XXXX.XX/XX/XXXX, XXXX # : XXXX XXXX. SC XXXX XXXX XXXX XXXX # : XXXX [ EXPERIAN 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. XX/XX/XXXX, XXXX # : XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2022-06-18
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. (SC)

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/XXXX, XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : # # # # # # # # XXXX [ TRANSUNION 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 XXXXXX/XX/FINGERHUTXXXX # : XXXX XXXX. XX/XX/XXXXXXXX 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. XX/XX/FINGERHUTACC # : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved. 

I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up. 

I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.