davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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 (MA)

On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. 
Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. 
Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. 
They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.
Consumer complaint received 2018-08-23
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. (MD)

I applied for a mortgage several weeks ago to find Equifax blocked my consumer file from lenders deleting my student loan and refusal to report credit items being reported by newly opened accounts through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 



I submitted a dispute regarding the deletion of my student loan in the amount of {$1900.00} from my Equifax file XX/XX/XXXX. Contacted Equifax they stated I must submit request to Creditor. XXXX was contacted via phone and in writing. Result of XXXX investigation showed account was deleted by Equifax and to contact them in writing along with letter provided with results of their findings. Equifax claim creditor can not contact them to have account re-opened without my authorization. 

I've made several request to Equifax requesting XXXXt account to be reinstated over the last 12 months upon notice. Equifax denies all my request to reinstate account rather over the phone or in writing requesting that I send in my identification, social security card, and proof of residency over and over again. 

As of today XX/XX/XXXX Equifax state their is nothing they can do to report my student loan opened XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Hi there, Citicards has increased the interest on my citi preferred credit card to 29.99 % without a notification to opt out or anything, When I have noticed, I have contacted citi several times to resolve this, however they largely ignored my requests bouncing me from one person to another endlessly, telling me different story each time I would call to request to lower the interest and have my account credited back for all the extra money they have charged me so far. Their excuses for the increase were, that I was late with one payment for one day, back in XXXX, 2017. Next time I called, they told me that my interest is so high because for the most time i pay only the minimum due on my account and not the entire balance, which were news to me, with this card I never heard that before. The citi, told me that they don't have to send the opt out notices and that the charges are valid, which i dispute, being tired to be bullied by this guys into paying such ridiculous interest rates. 

My credit standing is good and I am in good standing with the Citi bank too so far. Because, today when this issue was only resolved partially, and only because i have told them that I will be paying next monthly bill when they address this. They have lowered the interest to start next billing period to 17.99 %, but absolutely refused to honor or negotiate my request to credit my account for all the extra interest that was charged so far and the monthly payment adjusted as of today, so I could pay the bill with my old interest. 

I would really appreciate your help with this. 

Thank you, XXXX XXXX
Consumer complaint received 2018-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal refuses to refund me {$39.00} for a fradulant transaction - XXXX - they are working with a known international scammer - XXXX XXXX XXXX, XXXX  - They preport to protect their users from scammers and ensure each transaction is safe. They are asking me to mail a product back at my expense and the shipping cost more than the product - this is a common fraud technique used by XXXX compainies - The product does not work and is NOTHING as the product is descrobed. Pay Pal is a party to this fraud - Transaction ID:XXXX - XX/XX/2018 XX/XX/2018
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (TX)

XXXX wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 1 XXXX XXXX XXXX PA XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.Equifax- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-17
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: Informative Research (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-05-13
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. (UT)

On XX/XX/2022 I mailed the FIRST Request letter to XXXX, EQUIFAX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, EQUIFAX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, EQUIFAX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, EQUIFAX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my 3 credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, EQUIFAX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, EQUIFAX and XXXX reports : # 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  # 6 US DEP ED XXXX
Consumer complaint received 2018-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (PA)

I currently have a loan with Discover Student loans. My initial loan amount was issued at {$43000.00}. I have been actively paying my loan for the past 12+ years. My interest rate is currently at 9.75 %. To date I have paid a total of {$51000.00} ( {$4900.00} principal, {$46000.00} interest ) and the loan balance remains at {$39000.00}. I have requested a decrease in the interest rate on 5 separate occasions in the past year with no support from Discover Student Loans. They will not agree to a decrease in the interest rate but recommend a decreased payment ( which ultimately covers less than interest ).
Consumer complaint received 2022-05-13
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: Paypal Holdings, Inc (PA)

ON XX/XX/XXXX, I recd a msg supposedly from XXXX, who I have never used or signed up for that they dectected unauthorized activity. they wanted me to use http : XXXX to contact them. I did not respond. 

On XX/XX/XXXX I recd another msg from pay-pal, same msg, same email address. 

Today, I recd a msg. from paypal.com same msg and telling me to take the steps requested. this address is XXXX. 

As I stated, I dont use paypal but the last four digits are part of my Social Security #/ I am sure this is another scam and haven't responded to it. 

I have also in the past reported false claims of the same nature supposedly from XXXX.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE (OH)

XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX  XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. 
Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. 

XXXX  XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX  XXXX XXXX so that funds get sent back to the issuer. 

Case # XXXX is open with Barclays for the past 6 months.
Consumer complaint received 2018-08-20
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. (IL)

the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I contacted an individual who was advertising two soccer tickets for sale on XXXX. He provided me with his XXXX payment information ( Phone Number = XXXX, XXXX = XXXX XXXX ). 

Upon confirming he was a registered XXXX user via my Chase app, I sent two payments in the amount of {$140.00} and {$30.00}. After that, the individual did not respond to any of my follow-up text messages, nor ever send the tickets. 

I contacted my bank ( Chase ) on XX/XX/2022, and explained the situation, and requested a refund as I had obviously been defrauded, and this qualified as an unauthorized transaction according to the CFPB. However, they refused to reimburse me, even though this individual was a registered user on the Chase-owned XXXX ( making him appear as a legitimate individual which which to transact ), and my experience qualified as an unauthorized transaction. 

Thank you
Consumer complaint received 2018-08-20
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2022-10-24
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. (NV)

I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Recently I received two generic emails from Bank of America dated XX/XX/22 at XXXX and XXXX. This email was sent to my personal email address. The email was notifying me that they were unable to open a Bank of America account ( s ) online and that I needed to come into a branch. The problem with this is that I have not applied for any type of account with Bank of America recently. I did not authorize for any Bank of America employees to attempt to open an account. Nor did I authorize anyone else to do so. I am fearful that this account/accounts that someone tried to open may be a result of identity theft from within the company. I am demanding for a thorough investigation to be obtained to get to the bottom of how my personal information was accessed, obtained and used without my permission.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (PA)

I paid this account and was told by the Capital Accounts agent it would be deleted from my credit. It was deleted from XXXX  and XXXX, the agent told me they always deleted first, and that I may have to dispute it with XXXX. I thought it was very strange that this agent was giving such detailed credit advice, I thought they were not allowed to do that according to the FDCPA. I followed his strange advise and it was not removed from XXXX as promised. So I sent a dispute letter to the address that Capital Accounts reported to XXXX, and that dispute letter was returned. I feel totally defrauded, the advice that was given to me was incorrect, and the collector can not be reached to demand they hold their promise. They are not reporting 100 % factual information to the credit bureaus if they are not reporting an accurate address! Help me!
Consumer complaint received 2022-05-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Asset Group LLC (FL)

XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.
Consumer complaint received 2022-05-13
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)

XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX 

These inquiries are unauthorized. I have attempted to resolve this with the credit reporting companies I was instructed to file an FTC report which I did and they still haven't corrected the issues.
Consumer complaint received 2022-08-01
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. (MD)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account 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 states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2018-08-20
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)

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.