davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (DE)

XXXX XXXX : XXXX/XXXX/XXXX. 
Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ). 
XXXX XXXX : {$130.00}. 
Merchant Name : XXXX XXXX. 
Website : http : //XXXX/. 

Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood. 

Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood. 

Sellers description says nothing about item having knots, splits, cracks, and/or gouges. 

XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused. 

Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the XXXX XXXX.
Consumer complaint received 2017-09-09
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. (MN)

I was one of the people affected by the Equifax data breach and wanted to file a formal complaint against them. I already have identity theft protection but I am very upset that to get protection from Equifax they required you to waive your legal rights. 

Equifax owes us a lot because this could affect our future, our retirement, and our lives.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ZIONS BANCORPORATION (CA)

I found a cashiers check dated back to XX/XX/XXXX that I had misplaced in the amount of {$5000.00}. issued by XXXX XXXX XXXX located in XXXX Ca. 
I deposited it in to my personal checking account at XXXX XXXX on XX/XX/XXXX. I was notified by XXXX  XXXX that XXXX XXXX XXXX refused to pay. I contacted XXXX XXXX XXXX to reissue me a new cashiers check which they refused to do. They referred me to California State Controller Dept. of unclaimed property. California State Controller Dept. referred me to you Consumer Financial Protection Bureau. 
I am including all records and contacts regarding my cashiers check. 

After researching for XXXX XXXX XXXX we have found this bank is now called California Bank & Trust XXXX
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

Im a senior citizen and have a mortgage for over 28 years and have not had a problem until Guaranteed Rate took over my mortgage. 

Guaranteed Rate is the mortgage provider for my building : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX The building is a three flat. Two of the units are rented and my apartment is a vacation rental unit. 

Since I have another residence in XXXX and travel, I do not spend much of my time at my primary residence. I asked Guaranteed Rate to send all non-secure policy information via email so I have current information on my mortgage. 

Guaranteed Rate has a convoluted and confusing policy to request email communication. 

I submitted a written email request form. After three to four weeks Guaranteed Rate response was their policy does not allow any type of email communication. 

To add to the confusion, I pay my Guaranteed Rate mortgage through a third-party XXXX XXXX XXXX XXXX . 


My XXXX XXXX XXXX online account is Your Mortgage Online, XXXX XXXX XXXX is a Guaranteed Rate website. 


Your Mortgage Online has limited information and errors in the Loan Payment Activity webpage, XXXX XXXX XXXX. 

Guaranteed Rate does not use their Secure Message Center, XXXX XXXX XXXX to communicate important policy information. 

A problem occurred with my property tax increase. Guaranteed Rate mailed that the escrow amount in my monthly payment would increase due to the tax increase. 

Since I wasnt at my primary residence I did get notification of the price increase. 

Guaranteed Rate again refused my request to notify me by email. They also refused to appoint a single-point of contact to resolve outstanding issues. 

Although Guaranteed Rate will not communicate to customer via email, they use email for information to refinance my mortgage with Guaranteed Rate. 

Also, in non-compliance with their email policy, I received an email today from Guaranteed Rate that they are transferring my mortgage account to XXXX XXXX XXXX. 

Guaranteed Rate policy makes it impossible for me to effectively manage my mortgage account and could lead to negative credit rating. In prohibiting email correspondence, Guaranteed Rate compels telephone conversations eliminates email documentation of the complaint process.
Consumer complaint received 2021-09-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Vehicle Loan with Santander Consumer was removed from credit report on XX/XX/XXXX after being repossessed and sold. The company had a lawsuit in which my loan qualified for removal in Florida for high interest rates above 26percent. After removal in XXXX of XXXX the loan reappeared on my credit report as a charge off and owing {$9200.00}. I have attempted to communicate with Santander on XX/XX/XXXX and XX/XX/XXXX about the lawsuit and about a payoff which was offered of XXXX dollars. The companies representative advised that the payoff was no longer an option and I would have to pay the entire XXXX in which the loan balance for the account is only XXXX XXXX, the representative advised that after repossession they have added additional interest fees and charges.
Consumer complaint received 2017-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

I set up direct debit from my checking account on a recurring basis in an amount which exceeds the minimum payment. Since setting this up I have received notices that my payments are late or have not been made but that is not accurate because the money has been debited from my account. I have tried to get in contact with the servicer but my attempts have gone unanswered.
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below : 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 Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 

IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian refuses to remove incorrect addresses off my credit report. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition, The show several incorrect accounts ; This is the Final Demand If all of the information which I have disputed from XX/XX/28, XX/XX/28, XXXX is not removed from my credit report. I am filing legal proceedings in Court with an Attorney. 

XXXX Bankruptcy Court GA XXXX ( two different inquiries ) XXXX Bankruptcy XXXX GA XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX real estate Child Support -Collections account, Insurance claim, government claim or terminated defaulted XXXX XXXXXXXX XXXX XXXX  This information is incorrect. I have sent paperwork showing several items are invalid, inaccurate reporting, and showing I owe a balance. Information on a credit report which is wrong is supposed to be removed. Your reporting should be accurate and Valid. XXXX and XXXX  is not reporting the same information. It is impossible for all three credit bureaus to be accurate. This is my final request. All efforts to have you accurately reporting information on my credit file should be reported with accurate information.
Consumer complaint received 2017-09-09
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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)

Recently heard Equifax has had a breach in confidential information of mine. I do not want to search on there site to find out if I am a victim, because I would give up my rights to take action.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I had two prior accounts with Huntington that were charged off. I paid them both off and was advised that upon paying those accounts off I could still open a new account. I waited the waiting period after payments has posted and attempted to open the account. I was denied but they could not tell me why and advised I call customer serivce.I sat on the phone with customer service for them to tell me the accounts were paid and to go back to the branch and speak with someone else. 
I have been to the branch twice and still not resolution and still no account after being told they could also just reopen my last account. I am requesting that an asterick free checking account along with the savings account be opened per what I was told by agency management as I have done everything as requsted.
Consumer complaint received 2017-09-11
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. (WI)

Starting XXXX XXXX, XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my XXXX credit report.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.
Consumer complaint received 2017-09-09
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. (ID)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company with their " free ID protection '' in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2021-10-04
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. (KS)

Equifax has been asked to verify the accuracy of 8 accounts from XXXX XXXX XXXX on XX/XX/2021. Account XXXX XXXX has receive several documents from me over the last before XX/XX/2021 to include but not limited to Notice of Default and Opportunity to Cure where XXXX XXXX XXXX has failed to answer all doc sent by registered mail. Included in the documents they have received is Notice to Cease and Desist. At this point Both XXXX  and XXXX have removed these accounts because XXXX XXXX XXXX is one of the unscrupulous 3rd party debt collectors. Despite the Notice To Cease and Desist Equifax claims to have verified the accuracy of these 8 accounts. XXXX XXXX XXXX XXXX has violated my rights again by verifying these accounts or Equifax has not done an investigation as required by law upon request and is in violation.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

I searched for a discover card through the prequalify tool on their website ( XX/XX/XXXX ). I was offered the cash back card but when I finished applying it says the reason I was denied was due to status of prior/existing account. Across all 3 credit bureaus my previous account with Discover has a XXXX balance and is current. When I called the Application department to rectify the issue on ( XX/XX/XXXX ) after applying I was told to call the verification department. I called the verification department ( XXXX ) on ( XX/XX/XXXX ) and was not given any information to remove this previous status. The reason my account was revoked was due to a verification issue with a glitch in the form 4068-T. I filled the form out on XXXX XXXX XXXX but Discover never received it. When I called to pay the rest of my old discover card off I was told once it is settled and paid I would be able to open a new account. That does not seem to be the case.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I obtained a mortgage and they insisted my homeowners insurance was to be paid through them by impounding the monthly charge. My policy expired in XXXX 2016, they did not pay it nor inform me that this policy was not being paid. However they have been collected the funds for insurance this entire time.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters certified US mail to update my correct personal information. These credit bureaus after the correction revert back to incorrect information. I have a freeze and have sent all documentation necessary and allowed months to pass to double check behind these credit bureaus.
Consumer complaint received 2021-09-06
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: JPMORGAN CHASE & CO. (FL)

JPMCB Card or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2017-09-11
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. (NY)

My information was stolen and is freely available on the public internet due to the ineffective security measures put in place by Experian to protect my data. I am concerned that I will become a victim of identity theft.