davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.
Consumer complaint received 2020-10-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (FL)

I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX  from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.
Consumer complaint received 2017-04-25
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. (VA)

While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : INQUIRIES : 1.  XXXX  Date Filed  XX/XX/2015    Type Miscellaneous Utilities Phone Number MAIL ONLY Address  XXXX   XXXX   XXXX   XXXX  MAIL STATION  XXXX   XXXX .  XXXX   XXXX   XXXX  Date Filed  XXXX / XXXX /  XXXX   Type Automobile Dealers, New Phone Number (  XXXX  )  XXXX  Address  XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  XXXX   XXXX  ( c ) and a serious breach of my privacy rights.   Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Ty pe I ha ve a dispute   XXXX    XXXX  - DEBT COLLECTOR Consumer ID  XXXX  Request Date 2017-  XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} fo r PayPal company. First of all I DO NOT have any PayPal account. I do n't even-know how pay Pal works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please als o advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account  XXXX   XXXX
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (WI)

Chase not working with us on the vehicle loan. We had fallen behind due to XXXX XXXX  and slow receivables. I had a serious setback due to an inpatient XXXX XXXX crisis. My wife and I both are currently under doctor 's care. Chase had told me if I catch up a few payments I was eligible for an " extension '' on the loan. Then after I made the payments, Chase denied the " extension '' in XXXX of 2018. So they lied to me. They are the only creditor who refuses to work with me on a repayment plan or payment arrangement. When I call them, all they do is bully me and scold me. A supervisor was apathetic to my XXXX XXXX problems, and told me how many times the account had fallen behind, as if my XXXX XXXX problems are not real and just go away when you want them to. This is commonly known as " XXXX XXXX XXXX '', whereby an individual will have sympathy for a XXXX or XXXX patient, but apathy towards someone with a XXXX XXXX issue. I am sure I am not the only borrower they have ever had who fell behind due to illness. I have made payments in good faith when I can, and the account is really not in " serious delinquency '', averaging only about 30 days past due. I may have an opportunity to borrow some money soon to get it caught up, and I have told them that. If they would just work with me and be patient they will get their money. However, they just continue to threaten how they are going to " repo '' the vehicle, which makes no sense, as they will end up with the loss. If this continues, they will leave me no choice other than to seek relief under the US Bankruptcy Code.
Consumer complaint received 2017-04-25
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. (AZ)

I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.
Consumer complaint received 2017-04-25
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)

Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
Consumer complaint received 2020-10-07
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has 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 2023-02-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Consumer complaint received 2017-04-25
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. (CA)

I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.
Consumer complaint received 2021-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (ID)

End of XXXX or Beginning of XXXX they called my cell phone I had Covid and was winded and could barely talk so I handed the phone to my sister ( boyfriends sister ) and when they asked if this was XXXX she said no the employee went on to give out information including payment, told her it was past due, asked her for a payment at no point did they ask for any identifying information to make sure they were talking to me this is a real problem so the next time they called I confronted the employee he apologized however I wanted the issue fixed so I got in touch with the district manager who got my side and then the employees but they differ as to what happened so all they are willing to do is remove the late fee I dont feel this is reasonable because weather Im right or the employee is right they still did not identify identity before releasing information
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (GA)

I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.
Consumer complaint received 2017-04-25
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: JPMORGAN CHASE & CO. (TN)

My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX
Consumer complaint received 2017-04-25
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. (TX)

I have contacted Equifax o ver 20 times con cerning the vast amount of Fraudulent Accounts on my credit Report. I have submitted FTC Identity Theft Affidavits, Police Reports, etc. and I have received the run around about having the fraudulent accounts removed. The following accounts are fraudulent and have been reported to the police and the FTC : Accoun ts : 1  )  XXXX  Acct #  XXXX  {$1200.00} 2 )   XXXX   XXXX   Acct   # :  XXXX  {$0.00}  3 )    XXXX   XXXX  Acct  # :  XXXX  {$0.0 0} 4 )   XXXX   XXXX    XXXX   Acct # :  XXXX  {$1200.0 0} 5 )   XXXX   XXXX   XXXX  Acct # :  XXXX  {$2900. 00} 6  )   XXXX   XXXX  t Acct # :  XXXX  {$990.00}  7 )    XXXX   XXXX   XXXX   Acct #  XXXX  {$92.00 } 8 )    XXXX   Acct # :  XXXX  {$840.00} Unauthorized Inquiries  : 1 )    XXXX   -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX  )   XXXX     XXXX  & CO  XXXX / XXXX / XXXX   3 )   XXXX    XXXX    XXXX / XXXX / XXXX   4  )  XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  Police Report is attached
Consumer complaint received 2017-04-25
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. (MI)

Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lowe r o  ne.  Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.
Consumer complaint received 2017-04-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (OH)

The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

XXXX   XXXX   has not recognized the charges I filed as fraud yet. I sent them a list of charges circled in my statements and they are saying they deny the fraud claim. THeir reason does not prove anything. They say reasons that are not even true. I need to re open this dispute and have my fraud charges credited back to my account NOW.      XXXX
Consumer complaint received 2017-04-25
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: Cogent Road, Inc. (TX)

After briefly speaking with   XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX     to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service,   XXXX   that my cre dit may be at  risk. I called  XXXX ,  XXXX  and   XXXX   to inform them that I had not given your agency or   XXXX   XXXX   XXXX   to use my credit without notification.     I was told by each agency to contact   XXXX   XXXX    because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask   XXXX   XXXX    to remove  the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that   XXXX   XXXX    remove the se erroneous inquiries from my  XXXX ,  XXXX  and   XXXX   credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to   XXXX   XXXX   XXXX   or   XXXX   XXXX    to share  or run my information.     I sent a certified letter to    XXXX   XXXX   after spe aking with  XXXX  who works for   XXXX   XXXX    .   XXXX  stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that   XXXX   XXXX    received m y letter. I have called  XXXX  numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me.     I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed.     Thank you in advance for your time and attention.