davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I bought a car on XX/XX/17, and they sent me a XXXX XXXX card. I used the card for about a year and noticed the card kept going up they had signed me up for a card security plan. I tried calling but never got a response that made any sense. I finally requested a payment history, and when I talked to someone over there they refunded me XXXX but they did not refund the interest from 2017 until the present. I want the interest refunded, and they should be reprimanded for signing people up without them knowing. In a lot of places, they would call that forgery.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NV)

Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.
Consumer complaint received 2022-02-01
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: BARCLAYS BANK DELAWARE (FL)

When I updated my credit report this month, I lost more than XXXX points for debts that I have not paid, I checked my report and I see that someone opened a credit card in my name. Barclay Bank Delaware on XX/XX/XXXX with a credit limit of XXXX. I do not recognize that credit card and I have never been in possession of it. Therefore apparently my credit score dropped significantly.
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. (TX)

In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-01
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. (NY)

I have a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX 2016, Chase Mortgage placed my home in Foreclosure. 
Chase demanded I pay {$11000.00}. XXXX to have my home rescinded from Foreclosure status and stop all foreclosure activity. 

In XXXX 2016, I overnighted a Chase Bank cashiers check for the full amount of {$11000.00}. As of XXXX XXXX, 2016, I have not received a recorded rescinded document. I do n't know if my home is still in foreclosure or if it was rescinded. Chase Mortgage did cash my cashiers check, but never mailed me a copy of the recorded rescinded document. 

I am worried because I do not know how the foreclosure on my property stands as of XXXX XXXX, 2016. Chase Mortgage has failed to communicate if they are continuing with the foreclosure.
Consumer complaint received 2022-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (IL)

On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. 

so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. 

I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. 

I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. 

I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. 

They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. 

This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. 

I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy.

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report. 

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC (CO)

Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several
Consumer complaint received 2022-02-28
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)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now o

ver 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}
Consumer complaint received 2020-04-24
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX XXXX {$420.00} XXXX  XXXX {$740.00}
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

There were several disputes back and forth regarding service that were not rendered. A settlement of {$1200.00} was paid XX/XX/2016. They sent a new statement on XX/XX/2016 that they found new charges. I called and they said they just found them. I explained that our account has been settled and paid.
Consumer complaint received 2022-03-02
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. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (VA)

I recently received a 1099 K form in the mail from PayPal for money that was sent to me by a family member, refunded, for the amounts of XXXX, XXXX as a gift from XXXX XXXX. I only received a total of XXXX as a gift from a family member, XXXX sent me a 1099 K for the amount of XXXX which is not the amount I received. 

I received a 1099-K ( 2021 ) form in the mail from PayPal on XX/XX/XXXX. The form states that I received funds in exchange for a good or service amounting to {$910.00}, but I ONLY received {$600.00} as a gift from family members. These transactions occurred between XXXX. 

Scenario : the initial payment sent was {$610.00} ( attempting to send {$600.00} ) because it was submitted accidentally as a good or service payment vice a gift ( XX/XX/XXXX ). Since the payment was put on hold ( due to it being categorized as a good or service ) my family and I called PayPal for an explanation. In the meantime, another family member attempted to send split payments of {$300.00} ea. ( one payment was accidentally submitted as good or service ) and thought that this was the reason for the hold. Once we found out that the payment was submitted in error ( good or service selected vice gift ), I refunded the amounts sent as good or service ( {$910.00} ) and received a payment of ONLY {$600.00}.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : 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 2022-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You
Consumer complaint received 2022-02-14
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: Exeter Finance, LLC. (PA)

It has come to my attention that EXETER XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that EXETER XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2021-03-24
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. (CA)

On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX XXXX for a test drive and soft check quote of a XXXX 2020 XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX XXXX. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from XXXX in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX  reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by XXXX. As it was now Saturday at XXXX XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with XXXX, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''
Consumer complaint received 2022-02-28
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. (OK)

I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Chase credit card benefit services through XXXX ( XXXX ) has not addressed concerns with claim process. All required docs have been provided but repeatedly being asked for information that is not necessary as per insurance claims review policy, would like review to be conducted by different personnel.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (FL)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: E*TRADE BANK (CO)

On XXXX and XXXX XXXX and XXXX my savings account was hacked for a total of {$12.00}, XXXX after calling my Bank for XXXX  days in a row and talking to at least XXXX different customer service people, I have asked for a supervisor to call me and have not received a call from anyone. I have spent numerous hours on the phone with this outfit and nothing is getting done. Please help me, I need my money back in my account.