davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CO)

Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (PA)

Refinanced some outstanding debt with a home equity loan. One of the debts was a charge account with Lowe 's through Synchrony Bank. My bank sent out a cashier 's check ( number XXXX ) in the amount of {$2700.00} on XXXX XXXX, 2016 and the bank placed a stop payment on the check because Synchrony had not yet received it as of XXXX XXXX, 2016. A second cashier 's check ( number XXXX ) for the same amount was mailed on XXXX XXXX, 2016 and cleared my bank on XXXX XXXX, 2016. This check should have paid off the charge account balance as of the date of the Home Equity, yet Lowe's/Synchrony is claiming to have never received the second check. While at my bank on XXXX XXXX, 2016, Synchrony was contacted and we were told that there would be a resolution within 10-14 business days ; we faxed the representative proof showing that the second cashier 's check had cleared my bank. She confirmed that she received the fax. I have also contacted Synchrony on my own several times and been given the run-around. Not only am I not able to get this cleared up, they are also charging me late fees and most likely reporting my payments as being late. One last comment, after several attempts to correct the spelling of my name on the Lowe 's / Synchrony account they still have it spelled wrong. Although my name is incorrect, the bank put my charge account number on the cashier 's check.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (PA)

My PayPal account associated with my email XXXX '' was limited on XX/XX/2021. At the time the account was frozen there was {$830.00} in the account. I was told repeatedly by PayPal that the money would be held for 180 days and as long as I did not have any chargebacks or cases opened against me, it would be refunded. PayPal even admitted on XX/XX/2021 in response to a case that I opened against them through the XXXX  XXXX  XXXX  ( screenshot attached ) that The money belongs to you and that its being held in reserve to cover and disputes or reversals that may be filed against you. However, contrary to their repeated verbal and written promises, when the waiting period passed and I did not have any of these types of claims filed against me, they still kept my funds for damages they had incurred. ( screenshot attached ) It is my argument that PayPal did not suffer any monetary damages as a result of my use of this account and have no valid claim to this money. 

Furthermore, PayPal currently has suspended and put the same hold on another PayPal account that I have under the email XXXX in the amount of {$2700.00}. They told me the same, that my money would be released after 180 days and I am concerned that they again, will not keep to their verbal and written promises. 

This money is rightfully mine as PayPal stated. No claims are or have been opened against me by any other person or business that I did business with via PayPal. I am asking that the CFPB to help me in forcing PayPal to release my money from both accounts in the amounts of {$830.00} and {$2700.00}, for a total of {$3600.00}.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (CT)

I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL (NC)

I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I was offered an XXXX XXXX XXXX by XXXX bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXXXXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank is another creditor that has harassed me and intentionally marred my credit for years ; and for unclear reasons. I paid off the XXXX XXXX account and not only did they fail to close the card, they continued to allege I had a XXXX dollar balance and put a charge-off on my credit. This is the same bank that alleged I owed the XXXX dollars and put a lien on my home causing a divorce and physical injuries to myself and my children as we were literally entrapped in a sick home and unable to sell until they became cooperative.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I have a mortgage loan with Chase on a home with my partner since XX/XX/XXXX. We got married in XX/XX/XXXX but due to FL law we were not recognized until XX/XX/XXXX. In XXXX she filed for Chapter XXXX Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since XX/XX/XXXX. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from XX/XX/XXXX till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in XX/XX/XXXX and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.
Consumer complaint received 2023-02-26
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. (MA)

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 2017-10-14
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. (NY)

After receiving many solicitation emails, in XX/XX/XXXX I filled out an application with XXXX XXXX in order to obtain a loan. 
I specified exactly what my credit score was and was told that they can get me something in the low 20 % annual range. 
Because I have a low credit score, I understand that I ca n't get a much better annual interest rate than that and XXXX, the owner of the company, seemed like a bit less of a vulture than all the others I had spoken to in the prior couple of years. 
Of course, as soon as my credit score came back ( with exactly the score I had already told them I have ), the annual interest rate jumped to 34 %. 
Because an interest rate like this is the equivalent of suicide in my business, I turned the rate down. However, XXXX ( who again seemed very nice and sincere ) said he would contact me again in the future to see if he could do better. 
On XX/XX/XXXX, XXXX from XXXX XXXX called me and said they have many new programs available since last we spoke and that ALL she needs to let me know what I qualify for is my last 3 months bank statements. XXXX actually even followed up on this phone call with an email that said when you send me these statements include how much funding yiu are seeking. 
Since the last 3 months bank statements do not hurt my already suffering on life support credit score, and XXXX had already told me that he would contact me again if he had a better offer for me, I sent her my last 3 months bank statements. What XXXX failed to mention was that she was going to pull my credit score as a hard inquiry. This is something I would NEVER allow. I receive at least a dozen phone calls on a daily basis. I do not allow anyone to pull my credit score. 
The only thing I allowed XXXX to do was to review my 3 prior months ' bank statements as she herself said she would be doing. 
As much as I can, I make every effort to be vigilant about my credit history. I am completely ashamed of myself that I was duped by one of these companies.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (NY)

My identity was stolen to open a credit card with Barclays Bank Delaware. The app was approved via online and an immediate balance transfer was initiated. The problem is this balance transfer deposited into my active credit card. Therefore, Barclays bank deemed this transaction of balance transfer valid. However, my ID was stolen and used to open a credit card with Barclays ; this in itself is already ID theft, a fraud. The investigation by Barclays bank Fraud department is a joke. They do n't care about the pain and victimization of identity fraud. Their investigation is a disgrace to the protection of the consumer of identity fraud.
Consumer complaint received 2015-08-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased XXXX ( XXXX ) items on XXXX and paid for them with my XXXX XXXX XXXX. About an hour later I received XXXX ( XXXX ) e-mails saying that each purchase had been rejected by the CC issuer. I called XXXX for an explanation. I was told all they knew was that the charges had been rejected and they connected me to Synchrony Bank personnel. Synchrony Bank told me that my account had been CLOSED. When I asked why, I was told I had not used the card in a while. When I asked why I was not notified about the pending closure, the agent was silent. I was told the account could not be reopened, but that I could apply again for a card. I asked for a supervisor and was told none were working now and to call back in the morning. When I called back in the morning, I was greeted by a computer and asked several questions. The computer then told me that my account balance was XXXX. Apparently the computer knows that I have an account! When I finally got to an agent, I was told supervisors do n't work on Sundays and to call back Monday morning. 
In all the credit card agreements I have reviewed, not XXXX contained a requirement to purchase a good or service within a specific time period. While they list several reasons to terminate an account, failure to charge something on the account is not XXXX of them. Additionally, the agreements require that the cardholder be notified of a pending adverse action. As such, my account should NOT have been closed and I should not have suffered the indignity of having a purchase refused.
Consumer complaint received 2023-07-25
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-25
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I purchased a ticket from XXXX XXXX XXXX with a Citibank credit card. The day after the purchase, XXXX suspended the ticket and demanded documents for ID verification, to be sent by email. For security reasons, I refused to submit the documents and demanded a refund. XXXX agreed to the refund but never provided it. I disputed the charge with Citibank, but Citibank ruled in XXXX 's favor, saying that XXXX had already provided the credit, which XXXX had not, and later closing the dispute process, saying I had not submitted a valid copy of the charge receipt, which I had.
Consumer complaint received 2022-12-15
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)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits
Consumer complaint received 2023-02-26
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. (OH)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-26
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. (NY)

In   XXXX   of 2016     I  XXXX   XXXX  notified EXPERIAN,  XXXX , and  XXXX  they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims. EXPERIAN,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are deb t collectors.
Consumer complaint received 2023-04-16
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. (MI)

In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencies may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (NY)

I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AAA COLLECTORS, INC. (CO)

Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.