davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FISERV INC. (SC)

I am a victim of identity theft and fraud. 
XXXX XXXX is a online sports betting services. I used my debit card ( XXXX  ) to purchase a betting slot on XXXX. The funds were readily available in my XXXX  account but instead XXXX XXXX sold my information to a 3rd party debt collector called TRS Recovery Services , Inc a few days later. I have never had any relations, contracts or dealings with TSR Recovery until now. TRS Recovery Services, contacted me XX/XX/2021 in attempt to collect a debt. They DEMANDED that I pay the balance in full & that If I did not pay the full balance promptly, then they would assign the file to one of my collection agents for follow up. They continued by stating that the Agent would attempt to contact me by telephone and make recommendations for further collection act. 
These are all violations to my consumer rights according to the fair credit reporting act.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

I have a credit card with XXXX, which is a subsidiary of Barclaycard US. Their rewards program promises a {$100.00} credit for each XXXX points redeemed. 
I contacted XXXX in XXXX XXXX ( I believe XXXX XXXX XXXX ) to redeem XXXX points. I was told my account would be credited in about 10 days. When this did not happen I called again to check and was told it would be taken care of and my account would be credited in about 10 days. I was given a case # XXXX. Again this did not happen. I called several times, including XXXX XXXX, when I was told they would look into it and gave me a case # XXXX. By this time I had earned additional points, so I told them to redeem XXXX. 
About one week later I saw that XXXX points had been subtracted from the account, but nothing had been credited. I called again on XXXX XXXX and was told they would check, it would take about 10 days. I explained I had been told this several times without any action, and I wanted to talk to someone at a higher level. I was told someone would call me within 24 hours and given another case # XXXX. 
Someone did call me XXXX. He did not have any more information than any of the previous individuals I had spoken with. When I told him everyone I spoke with had told me my issue would be resolved in 10 days he said it will now take 30 days. He also said they only redeem reward points on line, not by telecom. I told him I have been a card holder for many years and had always redeemed reward points by phone, Also none of the individuals I had spoken to previously had told me that, including the first person who said she would process my request. 
My concern is that XXXX ( Barclaycard US ) appears to have no process to resolve claims. Each person I spoke with would tell me that the redemption would be taken care of, but could not tell me why it had not yet been accomplished. They can see there were cases opened, but could not tell me why they had been closed without action. I request your assistance to resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ( last 4 ) - XXXX DOB XXXX/XXXX/XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc (FL)

On XX/XX/2021 I sent a letter via USPS to XXXX in regards to the bankruptcy listed on my XXXX report. In response I received a letter back on XX/XX/2021 stating that XXXX verified the " alleged '' bankruptcies through LCI. However on LCI website, they explicitly state " LCI DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if LCI is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? LCI claims they get information from PACER, but PACER doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. XXXX in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.
Consumer complaint received 2022-10-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have a XXXX credit card account. XXXX is not sharing my account information with Equifax. I already tried resolving the issue with Equifax. Equifax sent me a letter that I need to contact XXXX because they are not sharing/reporting my credit card account information with Equifax. 

My XXXX Credit card account does not show on my credit report with Equifax.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (SC)

A debt collector has been calling my family repeatably and has told them they are attempting to collect a debt from me. I never gave them my family 's cell phone number nor did I ever give them permission to contact anyone about my credit card. They called my family and my mom told them to stop calling, she said they called back on her phone 6 times the same day. The debt collector has been harassing my family and they should be fined for doing so.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MO)

On XX/XX/19 I entered into a repayment agreement with Barclays to pay $ XXXX/mn on my account. I paid them {$160.00} on XX/XX/19 & set it up on an auto pay for the XXXX of the month, when the bill is originally due. I made sure to specify they were to take out $ XXXX/mn only. On XX/XX/19, Barclays not only withdrew {$1000.00} from my checking acct, but they set up their own auto pay in the amount of " other ''. On XX/XX/19, I received a notice from my bank that I had used the overdraft on my account. After investigating, I saw that Barclays had removed the {$1000.00} without my consent & had set up an auto pay of their own to be withdrawn on the XXXX of each month in an undeterminable amount. I immediately contacted Barclays. The customer service agent told me that I had set that auto pay up & authorized the withdraw of {$1000.00}. I talked to XXXX, a supervisor, who advised me that it was a computer glitch. She said it would take 25 days for them to investigate. I contacted my bank, talking to XXXX. She started the process of disputing this withdraw, saying it would take 10 days. On XX/XX/19, I received the {$1000.00} back into my account. Barclays shows the transaction on their end as " an unauthorized cash advance. '' While I have received the funds back, I have been charged with overdraft fees in the amount of {$180.00}, late fees from the gas company, mortgage company & a couple of credit card companies as well as return check fees from the same companies. This would not have happened had Barclays not removed the funds from my account on XX/XX/19. I removed my bank account from my Barclays account. I received the email confirmation for the {$160.00} auto pay AND for another auto pay with the amount " OTHER '' where the payment would be.
Consumer complaint received 2020-12-08
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)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX XXXXn and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or Equifax.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

wells fargo dealer svcs account on my credit report is in a class action law suit with wells fargo were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

XXXX XXXX, loan # XXXX. Fay Servicing the loan company. I be trying to fixing the problem. But is lake had to be there way. From day one they get me problems. That first is for home insurance, I got insurance and then pay for a second one {$1600.00}. Asking for proof of insurance and then need to change the loan # on the insurance. I had to find the problem on that one. Then They race my loan well not note. For {$810.00} to XXXX. Because property taxes race. Know they collected money for insurance and taxes plus the loan. But is not necessary to races the payment. Now they collected over {$1500.00} and the taxes are XXXX more. I pay on to XXXX and then say I old XXXX and XXXX. I tray but is lake is there way. Is late reported to my credit and more and I made payment on time. And my account manager taking all the time to fix this and I tray to fix that and XXXX XXXX the account manager doesnt know working with number. Number are perfect, people fear. My cell number is+XXXX and email XXXX. I appreciate your help. Thanks
Consumer complaint received 2019-08-11
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. (FL)

Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # XXXX
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I have two student loans on my account with says im delinquent however the student loans were transferred which have ive been paying off and is in good standing. This is effecting me badly. Department if edu/naviet which was open XX/XX/2013
Consumer complaint received 2019-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (OH)

Not being able to be approved for a short term loan from a reputable company I turned to online loans thinking that it would be a better choice that a typical cash advance store. Running through the steps in this whirlwind trying to get rent paid ( even though I solidly work 40+ hours a week at XXXX , have a humble apartment and do not live outside my means ) I stumbled across the world of online consumer loans. Cash now-worry about the details later. They explained the long term agreement over the course of a year, foolishly thinking I will have paid it off by then. I borrowed {$400.00} from Inbox Loan. I have made 5 payments already since XXXX of {$120.00} every 2 weeks on my payday. The long term agreement is literally {$120.00} every two weeks for a year. That is well over {$2000.00} for a {$400.00} loan. Im crying because I cant believe how this system works how businesses are allowed to operate like that. I cant even access my original loan agreement by the way because the link expired. I dont understand as a working adult with the only thing negatively affecting her credit score or unpaid unmanageable student loans can not be given the opportunity to consolidate debt with any reasonable accredited business. I am only a number, only a credit history, only a piece of paper though I am not defined as a incredibly hard working mom who IS dependable-that wants to earnestly rebuild my credit, my life, and be responsible. I need help yet no one has my best interest in mind. I dont think writing this will be a call for finally someone to believe and recognize the potential in me and help me fix things, nor to I think this little letter will change a broken system. But I want to be heard, I deserve to be heard, and I will work to be heard. To give a voice to the hardworking Americans who have more potential in them than they could ever even realize. We are what makes everything move, the engine that powers nations the world. And we deserve to be given a chance to change our lives thus changing the world. Thank you for your time
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (MA)

I am attempting to have a letter of reaffirmation put into my current open bankruptcy case. My current mortgage is with XXXX XXXX. The problem is is I have been attempting to have this letter of reaffirmation sent to my lawyer since XXXX XXXX. I 'm hoping that filing this complaint will expediate the process so I may close the case because this is the only thing that I 'm waiting for to close the bankruptcy case. I have been told on many occasions that I will be contacted, I will be emailed and I will have my phone calls returned none of this has happened! It is of paramount urgency that I get this letter of reaffirmation put it in my file before the courts decide to close the case without it. If that happens, I will have to pay re-opening fee to have the letter put into my file.
Consumer complaint received 2017-12-21
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: ALLY FINANCIAL INC. (TX)

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XXXX XXXX, XXXX. 

Please review attached
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (GA)

I just found out that my home insurance cancelled for non payment back in XXXX and I had been uninsured for over 70 days. I have since reinstated insurance but it was through a new vendor as I had lapsed over 30 days. My payment is now more expensive and I will have a mark against me for a lapse for at least 3 years. I was never alerted of this issue, nor did guild mortgage take the necessary steps to resolve. Instead I received a letter stating I had no insurance and they would purchase some at my expense.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (MO)

PayPal keeps withholding my funds without a valid reason, they have made me spend extra money in the past for their XXXX 3rd world Representatives I sold shirts from my website and PayPal withheld my money for no reason. They are trying to retaliate against me for filing a complaint against them, they have stolen money from me in the past by making me / forcing me to perform financial acts that are unreasonable and then thinking and apology later will suffice. This is unjust Account ID : XXXX XXXX
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

For some reason, Capital Accounts continues to report to the credit bureaus, that I have an outstanding balance of {$210.00} owed to XXXX XXXX XXXX. However, this bill has been paid since last XXXX, and I am attaching a letter from this collection agency to confirm it. I have been contesting this account with the credit bureaus for months now, but Capital Accounts refuse to report accurate information about this account.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1500.00}
Consumer complaint received 2019-08-11
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. (LA)

On XXXX and XXXX I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Equifax initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Equifax or deletion of the accounts.
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP (AL)

On XX/XX/19 at XXXX XXXX  I received a call from a company claiming to represent XXXX XXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +1 ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.
Consumer complaint received 2022-10-05
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: Credit Karma (DC)

Credit Karma wrote that I was pre-approved for about 4 different accounts, however, after trying to obtain the credit cards, I was denied. Theynpurposely report a lower than accurate credit score to keep you apply for their suggested credit cards to rebuild your credit file & score. This is false and misleading information. It also caused my score to drop after each company did a hard pull and denied me. This is stressful, deceptive and financially harmful.