davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-10-16
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: EQUIFAX, INC. (IL)

I submitted disputes to Equifax XX/XX/XXXX and XX/XX/XXXX with no response. They have violated FCRA regulations and are obligated to remove the items below from my credit report : ACCOUNTS XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine INQUIRIES XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX  I XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX not mine XXXXXXXX not mine XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (IL)

In XXXX I applied the Choice Prvileges card ( VISA ) and received it. Within a week of the application I have seen the offer by the same issuer Barclays bank that upped the point limit to XXXX points from XXXX. I called Barclays Card application line and requested the offer to be transferred into the higher point category. I was told they don't have the capability of doing that but after I receive my first statement and I am a member in good standing ( i.e.pay the bills ) I will be able to be get the additional XXXX points credited to my account. I was also instructed to speak to the manager to achieve that.

About ten days ago I called and after a long hold I was told that no manager will speak to me about this as " all managers are very busy. '' I then requested for a call back from the manager which I was told will happen within 48 hours. It didn't. I also reached out to the media relations person from Barclays who assured me the issue will be referred to the appropriate dept for resolution and as of today I received absolutely no response.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I have purchased Cashiers checks from Bank of America, to pay for my XXXX XXXX, on XXXX and XXXX,. I have contacted the bank to research the checks and send me a conformation. 

the bank sent me a letter, that these checks were never being issued, and there are no transactions reflecting their purchase. 

contrary to the bank statement, I have the copy and proof of purchase. 

Thank you,
Consumer complaint received 2019-07-31
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: I.C. System, Inc. (CA)

I received a derogatory mark on my XXXX credit report from IC Systems in XXXX XXXX, Minnesota regarding an XXXX XXXX XXXX XXXX account. This account is the responsibility of my ex-wife as documented in my divorce decree from 2016. A copy of the divorce decree was provided to both IC Systems and XXXX. However, they declined my request for removal of the derogatory remark. I am not legally responsible for this debt so there is no reason for my credit report to be affected by this account.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.
Consumer complaint received 2023-07-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Crystal Moroney, P.C. (NJ)

I received a call in XX/XX/2019 from someone stating they were from the Law Offices of Crystal Moroney, attempting to collect a debt for returned checks in the amount of {$400.00} ( plus {$30.00} fee x 2 returned checks ), for {$460.00} total that were originally from XXXX XXXX XXXX. I requested that proof of this debt be sent to me, so that I can validate, and pay if needed. I was told they can email me proof. I never received an email. Also, the phone number listed on their website to contact them, there is never an answer. On XX/XX/19, I received another call from this " law office '' following up on the debt. I responded that I have not been sent any proof of this debt yet. They insisted that they emailed it on XX/XX/XXXX, and I continued to state that I never received it. I asked what address do they have on file for me. They had an incorrect address, and I proceeded to give them my correct address. I asked if the woman on the phone, representing herself as a lawyer, named Crystal Moroney, could please verify the amount I owe, and provide me with a file number so that I could attempt to pay online to stop this continued pursuit. She stated that the amount owed is {$790.00}. I stated that this is not the amount of the debt owed, and what makes this up? She stated that there are additional " fees '' added on being that it is 90 days past due and they need to make the original creditor whole. I stated that the original debt has been listed as " charged off '' on my credit report, so there is no making this original creditor whole. Clearly they have purchased this debt in an attempt to collect. She stated they do not buy debt, but act as lawyers on behalf of companies to collect debt. I again asked for proof of the {$790.00} debt to be sent to me, and I was met with severe pushback, and was told to check my email because it was previously sent in XX/XX/XXXX. I will not pay this company without proof of the debt, and also, based on their reviews online, as well as court cases I see against them, I do not feel safe paying them.
Consumer complaint received 2022-12-02
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Walwick, Inc (WA)

I contacted the debt collection agency ( Merchants Credit Association ) myself to schedule and setup a payment plan. The lady I spoke to immediately started making statements such as what your wife doesnt work?, you are over doing your self financially, etc. when in fact nobody predicts a medical bill typically and why would she say things when she has no idea what she is talking about and it is personal information and for her to treat me like that is completely unacceptable. If someone is trying to do the right thing then why on earth would they want to make you not want to pay them and tolerate their abuse? No I dont want this on my credit but I dont deserve to be treated that way when i just want to take care of my debt.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I am a senior citizen and went to a XXXX office in my area to have them do a routine check up on my wife 's XXXX. They only did two XXXX XXXX, yet I received a bill for {$14000.00} dollars for services she never received or we agreed for. The XXXX office opened up a credit card in my name in order to pay for these services without my permission or consent. I do not speak good English, and they deceived me of the services we would receive, and I never received any receipts or copies of anything until I received a bill in the mail from the credit card company. I tried to resolve the billing issue with the XXXX  directly, but they were charging me {$9000.00} for an XXXX that took 1 hour of time. 

I have tried calling the card company numerous time to close the account and have fraud reported, but they continue to tell me its closed and they have not resolved anything.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (PA)

On XX/XX/2020, I faxed a letter to American Honda Finance after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to American Honda Finance that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off Honda . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX  has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or XXXX has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX and XXXX : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (WA)

XX/XX/19 In order to receive a copy of your personal credit report from Experian through their website, one is required to sign up for an account, which also supposedly supplies you with a monthly report ( whether you want that or not ). There is no clear option for a 1 time request of a report without signing up. When one signs up, one is  asked to accept terms of use, privacy policy and ad policies, which state that it gives Experian permission to share your information with others, including unaffiliated third parties. In the sign up information, it says that to opt out of this sharing you can contact customer service. It provides a phone number with operating hours and a mailing address. When one calls the customer service line, it is all automated and there is no automated option provided to opt of of sharing or marketing offers. There is not any way to reach a human being to discuss this issue or make this request no matter which prompts you choose. If you hit the end of the prompt flow and have not found what you need, it basically says goodbye and hangs up. This means that really the only real option a consumer has is to write a letter and send it to the mailing address provided. There is no indication of what specific information they need for one to opt out if one does write to them. Also, who knows how many they could have shared one 's information with by the time a letter gets to them? They say in the terms that once they've shared your information, there is no way to get it back. This is an incredibly misleading and deceptive practice to collect consumer data, tell them that they can call to opt out of sharing, and then not actually provide any way for the consumer to communicate this request when they use that contact information provided. At this point they have all my information and can basically share it with whomever they desire until I can figure out how to actually make them stop.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (HI)

BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

Discover bank freezed my debit card and not giving an explanation. They are accepting incoming payments such as check deposit, Inward deposit through bank transfer but not allowing me to use my debit card or banking. When i call they keep transfering many departments saying they have some special notes in the system on my account. I request for closing but in vain.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Hi- I am a former Univesity of XXXX  School of XXXX student. I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I, unfortunately, had to borrow to finance my education. Federal loans were not enough to cover the full balance and I had to also take out private loans to cover tuition costs. I was in the process of refinancing my loans this week and noticed 3 " fees '' that were charged on 3 of my student loans titled " repayment fees '. These fees were charged in addition to the capitalized interest that accrued while I was attending school. The fees were around 5 % of the loan balances and totaled nearly 4,000 dollars. Of course that amount is then repaid, with interest, for 30 years. I'm actually afraid to calculate how much I'm actually paying for this fictional fee over the term of the loan. I have ZERO recollection of this fee ever being mentioned to me by anyone at any point in the process. Not during the application process or by the student loan office at the University of XXXX. Just shameful that they would be a part of it.

I've requested the loan disclosures and promissory notes on all 3 documents. That Navient and my University would be a party to this makes me sick to my stomach. Its criminal and should not be tolerated by our government. Saddling kids with enormous debt to get an education is bad enough- legitimately stealing from them through fine print should put people behind bars. I'd love to talk to someone at the CFPB or at a law firm that will handle a class action on this- that will be my next email. Thanks!
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (CA)

I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX   because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to "pay my bills" and "not buy things I can't afford" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a "XXXX XXXX XXXX." I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to "lose my attitude" and that he would "check on the bankruptcy, but I'll see you in court" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/XXXX I discovered said negative credit item from XXXX. XXXX XXXX with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/XXXX on Experian but an open date of XX/XX/XXXX on XXXX which is re-aging of the original account.