davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (UT)

I have owed a debt of around {$2700.00} on what used to be a synchrony bank credit card for about a year now. Due to being in the restaurant industry, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, XXXX XXXX XXXX XXXX continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TN)

A call from XXXX identified himself as Barclay Bank 's attorney. We have never dealt with that bank. He demanded that I send him {$6600.00} to resolve a credit card debt. This is a scam.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft and I deposited a check without knowledge the check was fraudulent. I applied for a Pell Grant in 2021. I was sent a follow-up email regarding my application. I entered my information on the application follow-up questions on XXXX XXXX XXXXXXXX. Afterwards, I received a check in the postal mail. The letter was mailed to me with a check stating I qualified for the Pell Grant in the amount of {$3300.00}. Since I am a minor, I openend a joint account at Chase Bank with my parents in order for me to deposit the my check. After I opened the bank account, I deposited the {$3300.00} Pell Grant check on XX/XX/2021 and on XX/XX/XXXX, the {$3300.00} check bounced due to insufficient funds. Chase Bank 's fraud department flagged this as a fraudulent activity against me and has now black listed me as a criminal, placed a bad credit report in my name and closed my bank account.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MN)

I have tried closing my credit card account with Barclays Bank. My account was only accessible via my website, but I was unable to access it. My userid and password did not work and I was locked out. I contacted Barclays customer service by phone. They said they would send me a code to verify my identity and reset my password but the code never arrived by text or email. I contacted them many times to ask for help, but they did not help. I decided to close my account and pay the last balance I was aware of in full. I Paid {$2900.00} on XX/XX/XXXX. I did not receive any confirmation of the payment. I was also not informed that there was a remaining balance of {$13.00}. Interest has continued to accumulate on the balance. As of XX/XX/XXXX it was {$220.00}. I became aware of this when I was notified by XXXX  ( whom I also have a credit card with ) that my credit rating had been reduced and they were decreasing my credit limit. They referred me to XXXX. The XXXX  report showed that there was a balance due on the closed Barclay card that continues to increase. I have contacted Barclay regarding this, but they are unwilling to dismiss the interest charges which continue to accumulate and allow me to pay the {$13.00}.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-10-13
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-11
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. (GA)

I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # XXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).
Consumer complaint received 2019-02-01
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. (OR)

In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX XXXX in XXXX XXXX   with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (CA)

On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.
Consumer complaint received 2019-02-01
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: CITIBANK, N.A. (CA)

Someone had pulled hard inquiries without my permission XXXX   1.XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  1. XXXX XXXX  XXXX  XX/XX/XXXX-XX/XX/XXXX 2.Citi Cards CBNA XX/XX/XXXX
Consumer complaint received 2019-02-01
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: CITIBANK, N.A. (CA)

My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XX/XX/XXXX 2 XX/XX/XXXX 3.XX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXX XX/XX/XXXX1.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX   waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX  in XXXX  XXXX  and do not ever go thru westlake financial both rip offs
Consumer complaint received 2022-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

- [ ] From XXXX I attended North Carolina XXXX XXXX XXXX XXXX University XXXX As a first time XXXX student my single mother and I were manipulated into signing a promissory note for what we know now to be eight different high interest private student loans. Because my mother was a single parent with not enough income we solicited the help of my uncle who had to co-sign for my loans. 

We are adamant that North Carolina XXXX & XXXX and XXXX XXXX at the time violated antitrust laws and unfairly limited financial aid awards and forcing my family to only sign up for private loans as opposed to Federal student loans. XXXX XXXX XXXX along with XXXX XXXX used shared methodology to determine financial aid awards without properly weighing mine or my familys ability to re-pay these high interest loans. 

To date, I am a very dissatisfied customer of Navient and a unhappy graduate of XXXX XXXX XXXX. I am harassed daily to pay loan payments that I can not financially afford. My family members are constantly harassed as well. Navient and XXXX XXXX XXXX has literally destroyed my credit making it impossible for me to afford a normal way of living for myself and my family. My loan amounts has quadrupled since graduating making my total repayment amount nearly {$300000.00}. My co-signer is now retired living on a fixed income and is unable to afford these loans as well. I have struggled to obtain a job in my field of study or even a decent paying job for that matter. I am requesting some attention to this matter as it has caused a strain on my mental state as well as my family. I am currently working with a financial advisor and a lawyer because we are certain that predatory lending is the main cause of this entire ordeal. We are certain that XXXX XXXX XXXX and Navient ( XXXX XXXX ) have violated several antitrust laws.
Consumer complaint received 2022-08-10
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. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2021-01-11
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (PA)

On XX/XX/2021, I placed an order with Ginny 's. I had not ordered from them in two years but when I last placed any order, all of my orders were paid on time. I previously ordered XX/XX/2021 and was told that I needed to place the order under my account on XX/XX/2021. The representative told me that I still had credit and that the previous order was somehow not placed on my account. I re-ordered through her and hung up the phone. I checked again online with Ginny 's on XX/XX/2021 and it said to contact customer service. I asked to speak with a supervisor and spoke with XXXX. XXXX indicated that I do not have credit and I asked her " did I not pay off all my accounts on time with Ginny 's and your sister companies. '' and she said, " that's not the issue ''. I asked her " where are you getting this information from if it is not from my credit report? '' and she said, " we have analysts that receive information. '' She would not tell me where they receive information from if it is not from the credit report. While this question and answer was going on XXXX was extremely sarcastic. She finally stated, " In processing the order, we decided not to approve this order. '' She never once stated that they used my credit report or that the reason of denial is due to my credit freeze. Even then with a freeze, you are allowed by the creditor to unfreeze your credit so that a decision can be made. This is a baseless decision of Ginny 's. I am beginning to think that this is discrimination based on racism since the sister companies that I previously mentioned that I used were for XXXX people. I know for sure that they did not check my credit report as XXXX confirmed since I have a freeze on it.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX someone scammed me in XXXX. I called mt bank the same day to let them know what is going on. The person assured me that they can resolved the problem. I called twice a day for three days straight to update them. I even filed a police report and have a detective on my case. The fifth day I called and a different person told me that the first three chase agent I spoke to have me misleading information. They will do nothing about my case and I didnt even have a case. They basically didnt even try to resolved my scammed iod {$2000.00} and gave me misleading information and refuse to do anything at all.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was selling furniture on XXXX and received an offer to purchase it for {$60.00} on XXXX XXXX, 2022. The scammer told me that in order to receive their XXXX payment, I would need to update my Chase account and pay funds in order to receive the XXXX payment. Unfortunately I received the email and initiated payment because I fell for the scam. The scammer took {$350.00} from me and when I reported the scam to Chase, they put in a claim but later determined that they would not refund the funds to me. I saw a 7 on your side story about Regulation E and when I contacted Chase to inform them that due to regulation E, they should provide the funds to me, they still refused.
Consumer complaint received 2021-08-22
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: ROBINHOOD MARKETS INC. (FL)

Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the Bitcoin and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP (PA)

USbankReliaCArd was frozen since XX/XX/XXXX. 
XX/XX/XXXX Placed a call to XXXX, was told to fax drivers license and non federal emplyee to XXXX which I did on XX/XX/XXXX with confirmed receipt. 
XX/XX/XXXX did a follow up call, was told it will take 5-10 business days to procees. 
XX/XX/XXXX Placed a call, was told to send a selfie to Verify.USbank.com/Retail which I did. 
as documents not found.Requested as call from Supervisor. 
XX/XX/XXXX Call from XXXX, Supervisor, unable to find documents to refax documents. 
XX/XX/XXXX Documents refaxed to same number as stated above. 
XX/XX/XXXX Followup call, need selfie send to Verifu USbank.com/ID XX/XX/XXXX CAll placed, card still inactive. 
XX/XX/XXXX Placed a call again, still no determination, was told told to call back XX/XX/XXXX.