davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BARCLAYS BANK DELAWARE (PA)

I was on vacation through my current time share company, XXXX. I was recruited by XXXX for a sales seminar for another " higher '' timeshare that was for the parent company, XXXX, of what I already have, XXXX. First, we were scolded that we did not " check-in '' at the " help '' desk until 3 days into our trip. Now I know that those 3 days are 3 days that they have to keep us from looking at the paperwork. I was lead to believe that I was just getting a " deluxe '' program of what I have now. I NOW realize that I have a MORTGAGE with ANNUAL maintenance fees close to {$1000.00} and also MONTHLY fees of almost {$100.00}! My boyfriend was present and he was unaware that they just sold us a MORTGAGE!!! So it was not me no hearing them. We were there for about 4 hours. At the very last 20 minutes, we were put into a different room with another person who put all of these pages in front of me at a rapid pace to sign because she had to be somewhere with her daughter. I was NEVER told that I was BUYING a piece of PROPERTY! I was really misled. The next day I called the man who had taken us to the sales seminar, XXXX, to ask him about the paperwork and mortgage and he said he would talk to us in " 30 days ''. I do not understand what is the importance is of " 30 days '' and why he would not talk to us just 24 hours after spending 4 hours with us the day before! XXXX had asked me if we wanted to see this place and we thought it was just another time share and said no. He SHOULD have said " YOU JUST BOUGHT THIS PROPERTY/ MORTGAGE AND SHOULD LOOK AT WHAT YOU BOUGHT! '' But, he did not. If he did, I would have known I was scammed. I tried to call XXXXXXXX XXXX XX/XX/XXXX to discuss cancelling my contract but the office was closed when I called at XXXX XXXX. Looking back, it was a total card trick. I just want my XXXX back. XXXX salesmen are unethical. I just want out of the contract.
Consumer complaint received 2018-05-19
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. (TX)

On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (MO)

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} 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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX Credit Card, 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 2022-04-25
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: EQUIFAX, INC. (NC)

I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

XX/XX/2022 {$630.00} was sent to me. 
XX/XX/2022 I tried to withdraw my funds that was sent to me and was unable to. 
XX/XX/2022 I sent a email to Venmo stating I was unable to withdraw my funds. 
XX/XX/2022 Venmo replied asking me to send a picture of my id. 
XX/XX/2022 I sent Venmo the picture of my ID they requested. 
XX/XX/2022 I sent another email asking why am I not able to withdraw my funds. 
XX/XX/2022 Venmo replied with an email asking for a selfie holding my ID. 
XX/XX/2022 I provided Venmo with a selfie holding my id. 
XX/XX/2022 I sent a email asking why am I not able to withdraw my funds from my Venmo account. 
XX/XX/2022 Venmo asked me to send proof of my bank account. 
XX/XX/2022 I sent my bank statement. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
Venmo never replied. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
No reply As of today XX/XX/2022 I still can not withdraw my funds of {$630.00} from my Venmo Account.
Consumer complaint received 2022-05-04
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. (TX)

On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). 

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. XXXX. 

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). XXXX. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around XXXX separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Consumer complaint received 2022-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

AES, the servicer of my loan has tried to bait and switch my payments so that interests continue to accrue on one of the loans. I contacted them when they started this practice and told them it was not acceptable and I wanted my payments to be allocated equally. They did this for one payment and the next payment they are back doing the same thing.
Consumer complaint received 2022-07-30
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. (GA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-07-30
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. (FL)

All 3 credit bureau specially Experian told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 60 plus days of no response. I have disputed this alleged debt collection with eastern accounts and the XXXX credit reporting agency. Asking for validation proof of debt proof of a signed contract over 60 days. I was told by the representative at eastern account that they do not have to show me proof of debt and she said that she will try to call original creditor to get proof but like i stated earlier that it has been over 60 days and no response from either company. Last communication via phone call was on XX/XX/2022.
Consumer complaint received 2022-05-04
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. (CA)

Inaccurate information is reporting on my credit. XXXX, Equifax and XXXX are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING
Consumer complaint received 2022-05-04
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. (MD)

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-30
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: LEXISNEXIS (TX)

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX  XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. LexisNexis reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. LexisNexis reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX XXXXXXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. 
LexisNexis Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXlexisnexis.com
Consumer complaint received 2019-03-27
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)

I opened a new credit account on XX/XX/XXXX with XXXX XXXX where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at XXXX and could not find the account in question as it did not show up in my virtual wallet that I set up with XXXX personnel for all of my accounts. I worked with XXXX personnel to try and find the account information. After searching XXXX customer service figured out where the account information was located. I paid the amount due on the XX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that XXXX never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to XXXX Customer Service I spoke on the XX/XX/XXXX to the XXXX Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though XXXX personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Consumer complaint received 2022-09-27
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. (PA)

I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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 XXXXXXXX
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

Chase sent me several special offers that expired in XXXX. I checked one for XXXX XXXX ( XXXX XXXX XXXX ) and used it on XX/XX/XXXX. I receive no such credit ( which normally can be checked once the charge posts ). I have received multiple " run arounds '' rather than a normal response of " let 's fix and correct this ''
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MI)

I HAVE A WALMART CREDIT CARD WITH XXXX   INSURANCE. I SUBMITTED A CLAIM USING MY PERSONAL MEDICAL INFORMATION XX/XX/XXXX. MY DOCTOR WANTED TO CHARGE A FEE THAT I CAN '' T AFFORD DUE TO MASSIVE MEDICAL BILLS. THE PERSONAL MEDICAL INFORMATION SUBMITTED CONTAINED ALL PERTINENT DATES OF MY XXXX. CARD SECURITY ( XXXX INS. ) CLAIMED MY CLAIM WAS INCOMPLETE BECAUSE THEY NEEDED A DATE FOR RETURNING TO NORMAL ACTIVITIES. MY XXXX IS ON-GOING. I HAVE XXXX XXXX AND I AM STARTING XXXX XX/XX/XXXX. THE QUALIFICATIONS FOR FOR THE CLAIM IS : XXXX  THAT LASTS MORE THAN 90 DAYS. TO FILE WITHIN A YEAR OF DIAGNOSIS, TO BE UNDER A DOCTORS CARE. 
THEY HAVE NOT PAID MY DEBT CANCELLATION INSURANCE INSURANCE AND I KNOW THAT I QUALIFY. I HAVE NOT HEARD FROM ANYONE SINCE THE CLAIM WAS SUBMITTED.
Consumer complaint received 2022-04-15
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: CITIBANK, N.A. (IL)

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX ( XXXX XXXXXXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (CA)

Mariner Finance wont stop! Ive explained the problem, a financial hardship prevents me from paying. I have answered some calls, I tell them I intend to pay, I cant give them a date, no I do not want another loan, etc. I have asked them not to call me ( three times or more per day, every single day ) because nothing is going to change tomorrow or the next day. It doesnt stop. Ive told them they are harassing me by continuing to call me. It doesnt stop.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

My CareCredit Synchrony Bank account started adding a fee for Account Security without my permission. This fee is based on the account balance. I signed up to have the minimum payment due automatically paid thru my bank account. The minimum payment calculated by CareCredit does not cover this fee. Therefore, each month my balance increases, and this fee increases. I contacted CareCredit and they stated this fee started in XX/XX/XXXX and they would refund 3 month 's worth of these fees ; however, I am looking at statements back inXX/XX/XXXXthat show this fee. I don't currently know how far back these fees go since this account has been open at least four years. When I went to the CareCredit website I could only view transactions back toXX/XX/XXXX.