davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NY)

I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. Thank you.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the XXXX Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end
Consumer complaint received 2023-01-27
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. (NY)

I the consumer sent a letter to the consumer reporting agency Experian on XX/XX/, 2022, pertaining to the reinvestigation of an inaccurate account furnished on my account without any validation from me the consumer regarding the information the creditor gave Experian without my consent, which is a violation of my rights. Experian stated that they sent a reinvestigation letter and notified the creditors. Creditors responded by just saying that they rejected my request for account deletion, without informing me the consumer of the process of their reinvestigation by following what the states the process should be. Experian failed to inform the consumer of their reinvestigation process and how an account and information on an account were reinvestigated, not asking for the validation of the consumer under 15 USC 1692g. The law states that only a consumer can validate a debt that I did not validate. This wrongdoing towards me, the consumer, has caused me to be mentally and physically injured, be denied credit, and affected my family and character. Experian stated that they mailed me the result summary on XX/XX/, 2022, which I didn't receive. Congress states that there isn't any evidence without testimonials, so I would like to know how a decision can be made without witnesses or testimonials or determine the accuracy of the information the creditors and the consumer reporting agency formulate a response. Down below will be a document and another reinvestigation letter I sent out to Experian. I asked what is the method of your verification as I stated above asking how this reinvestigation was conducted. Pursuant to 15 U.S. code 1681 ( i ) talks about the procedures in case of disputed accuracy
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (ME)

beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and Chase Home Finance. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX 2017 I did a wire transfer of {$10000.00} from my XXXX XXXX XXXX XXXX Account to XXXX XXXX company 's Account in Bank of America. While processing the request online one digit in account number was missed. Bank Of America rejected the wire due to invalid account number and charged {$45.00} and sent back {$9900.00} to my bank. I do n't understand how can XXXX charge me, I did n't have any contract with them. Just because they had access to my funds does n't mean they can keep any amount. I called my bank and they were unable to help as they did n't charge me, so they could n't reverse it. There is no way for me to contact XXXX as I do n't have an account with them and it 's hard to figure out on self automated customer care phone number, with no real person to talk to. This {$45.00} charge is unfair and I would like to have a full refund.
Consumer complaint received 2022-03-03
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. (CA)

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. Experian responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Consumer complaint received 2024-04-21
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 violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Reporting account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1682 Section 604 A. Section 2 : Also, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. A. Section ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, and any adverse items 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
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: Block, Inc. (MA)

I AM REOPEN A COMPLAINTS THAT I HAVE ALREADY FILED WITH YOU AND I WASN'T ABLE TO RESPOND TO YOUR REQUEST FOR MORE INFORMATION BECAUSE I WAS IN THE XXXX BECAUSE I HAD A TEMPORARY MENTAL BREAKDOWN DUE TO THE IDENTITY THEFT THAT THE COMPANY 'S In questioning what's in my complaint that I submitted back in XX/XX/2022 my identity was sold in all my money was the XXXX all the banks that I mentioned in my complaint has not resolved this issue and the company that I paid to protect my identity and my bank accounts liked to me and told me that my bank account apps in my phone apps and everything that has to do with my business was safe and which it want to be open this complaint and get Justice and get all the money that was stolen for me I ended up having a mental breakdown and been put in a XXXX I have to have XXXX XXXX and I still haven't received any help or anything about my identity information stolen and it is at the point of this SERIOUS situation I have to change my Social Security number and I have been homeless since this SERIOUS incident happened to me and I have found out that XXXX XXXX Credit Card Department let hackers submit over 28 to 30 credit card applications and XXXX XXXXXXXX gave theses hackers 2 credit cards in my name and Social Security number and they have USED them and maxed them out and this situation has messed up my credit score and my whole entire credit report and I have repeatedly reached out to everyone in questioning and let them know that my identity information was stolen and being sold on the dark web sites and they ignored it and all three credit bureaus didn't notify me of all the fraudulent activities that were posted on my credit report because they were asking me to pay them XXXX dollars per month and I did until they had DATA BREACHES them selves and they didn't notify me about all the fraudulent activities or the banking companies that I used for my banking accounts and for my BUSINESS THAT I was trying to START up by saving my money and saving money for my daughter TRUST FUND and grandchildren TRUST funds accounts and emergency IRA accounts for EMERGENCY situations were all stolen and I REALLY need YOUR help PLEASE THANK YOU
Consumer complaint received 2022-08-09
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. (TX)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information from my credit reports has been ignored by the Credit Reporting Agencies. The last letter I sent to XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NM)

My income tax return of XXXX went on my Bluebird Prepaid American Express account and I can not access my money online, from my card in any way or reach customer service that they don't hang up on me after sitting on hold for hours at a time.
Consumer complaint received 2019-03-01
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. (VA)

hello i have inquries on my report i have no idea about and i call experian about the problem and they telling me its nothing i can do about and i say oh yes i can ... inquiry ... XXXX ... XXXX ... .XXXX ... XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX credit/XXXX ... XXXX   XXXX  ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX/XXXX ... these are all the fraud inquiries i seen can somebody plz tell these people to remove these its aginst the law ...
Consumer complaint received 2022-09-07
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. (AL)

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX al XXXX NEW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws states that reports containing information solely as to transactions or experiences are excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from my family and me. Thank you for your time!
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2021 TransUnion began applying monthly charges to my XXXX credit card in the amount of {$26.00} for items that I had not authorized. I made the discovery sometime in XXXX and I contacted TransUnion to find out what the charge ( s ) were about. I was told then that these charges would no longer be placed on my XXXX credit card. TransUnion did not identify the items or the merchant ( s ) providing a service for which I was being billed. When I reviewed my XXXX credit card bill I noted that there was no charge in XXXX and I thought that this would be the end of such billing. I also expected to receive a credit from TransUnion to my credit card. Unfortunately, not only did I not received a credit for these unauthorized purchases ; I discovered the continued billing in the amount of {$26.00} through XXXX until XXXX. When I called TransUnion, I spoke to representative XXXX who suggested that I ordered a credit monitoring and that it would be canceled in XXXX. This did not happen either. At this point I reached out to XXXX XXXX Services for their assistance. I informed them that I never authorized the purchase of any items nor did I request any " credit monitoring '' from TransUnion and I would appreciate their investigating this matter. I believe file # XXXX will support my efforts to get to the bottom of these charges. I was told that I would be credited on my card for the outstanding charges from TransUnion until these disputes were resolved. At that point, it was suggested that their was possibly a subscription that I ordered. Again, I know of authorizing no such items.. By XX/XX/2021 the disputed transactions were settled in the favor of TransUnion amounting to {$180.00} plus interests. In addition, when I received the statements from XXXX XXXX regarding these disputes my husband 's name appeared as the recipient. He, too has no knowledge of receipt of any merchandise from TransUnion. Thank you!
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (MO)

A year ago I ordered a cash app card. The card came but I was unable to activate.Contacted company they asked me to send in verification of my address. I've sent verification 4 times. I never get a response after I send verification and They still will not activate the card.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (AL)

I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
<P/>
I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX
Consumer complaint received 2022-03-03
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. (MD)

So I called Equifax at XXXX PM on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Performant Financial Corporation (PA)

I graduated XXXX XXXX in XX/XX/2009 with 2 loans totaling XXXX. Now they have been in collections and the principals have grown dramatically towards XXXX. Ive had wage garnishsment, sent federal income tax refunds, been on rehabilitation programs and have NO IDEA what to do now. I am extremely distraught financially and emotionally about this. I need to have these consolidated and want a line item description of everything that has happened. This company PeRformant on XX/XX/XXXX sent me a letter saying I had a principal of {$21000.00}, interest = {$850.00} and fees and cost {$4200.00}. A month later I get a letter stating my balance isnnow {$26000.00}. In one month my balance goes up over 5k! This is totally unacceptable. I am outraged. I recently submitted a complain about XXXX. I need help. I have no idea what my options are.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (AR)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company