davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NV)

I opened an account in  XXXX  of   XXXX   as an  XXXX   XXXX  member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on  XXXX   XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

PayPal was the start of an ongoing Identity theft! They allowed unauthorized transactions, while in the process of disputes, they allowed more! After calling every day for a MONT H (   XXXX   2015 ) an d hearing them tell me about how okay it will be and how I should n't worry, they FINALLY closed down my account after allowing {$5300.00} worth of fraudulent transactions on a frozen account. Then tried to steal that money from my account with  XXXX   XXXX . When they could only receive {$1000.00}, they locked my account solid while continuing to calm me on a daily over the phone. So here I am over   XXXX   in debt at  XXXX  forced to close my only means of an account, and PayPal tells me that I have to pay  XXXX  $ remaining balance on my PayPal!!! So I finally save enough for a lawyer to get it solved on to hear that the matter is closed because it 's been over 90 days. So I ca n't dispute PayPal 's fraudulent activity after 3 months but yet they sure can track every means of my money they can get their hands on to steal from me and keep my account LOCKED and NEGATIVE. After doing the math of the money they want + $ they stole from my bank + $ spent on a lawyer for no reason, PayPal 's multimillion dollar company lives up to its name by robbing the little people of almost {$6000.00}!!! AND THATS JUST ME.
Consumer complaint received 2023-02-02
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. (PA)

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 agency 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 seven 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 2017-04-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (TX)

XX/2015 , {$400.00}, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
Consumer complaint received 2023-03-22
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: ERC (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Enhanced Recovery is reporting I owe a debt of {$490.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.
Consumer complaint received 2017-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (PA)

I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower
Consumer complaint received 2023-02-02
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. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-04-27
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. (FL)

XXXX  and  XXXX  all have my credit report correct.     Equifax is missing 90 % of my accounts and every account on their system is incorrect. I have been complaining to Equifax for 2 years now. They state the companies are not reporting the information. All companies were personally contacted. They all say they follow  US  laws and must report, they are all showing up on credit reports except for Equifax.   Here are the companies Equifax state are not reporting to. ( Even though they show up on all other credit bureaus ) They  are : 1.  XXXX    XXXX   cards  XXXX   XXXX  cards not report ed 2.  XXXX   XXXX  cards x  XXXX  cards  XXXX  shows up with wrong account number and wrong balance and limit information.   3.  XXXX    XXXX  not reported  4 .  XXXX    XXXX   XXXX   loan not reported 5.  XXXX   XXXX  not reported 6  XXXX   XXXX   XXXX   XXXX   not reporte d 7   XXXX   XXXX . not reported  8    XXXX   XXXX   credit card not reported My credit score is approx  XXXX  points lower on Equifax. I have been denied credit 4 times in the last 2 years because of this incorrect information, even though I have notified them o n 3 d ifferent occasions. This has severely caused me economic damage in  XXXX   2017 n ot to mention hardship.
Consumer complaint received 2022-09-30
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. (TX)

XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I have  a PayPal extra Mastercard credit car d. I 've had this account for close to 10 years and have always paid the full balance amount due on time - not the minimum payment but the entire full amount of each monthly bill. Last mon th (   XXXX   2017 ), I in advertently paid the total amount short by {$200.00}  ( out of approx. {$2300.00} ). W hen I received my statement for this month, there was an interest charge of {$24.00}. When I reviewed my payment and noticed that I had paid the total previous amount short by {$200.00}, I checked the interest calculation and came up with {$3.00} in interest for the unpaid {$200.00} ( vs. the {$24.00} on my statement ). I called the toll free number on the back of the card and asked them to explain the difference. They stated that I was being charged on the " average balance '' of all my charges since my last billing statement. When I asked why that was the case, when I only had a {$200.00} amount due from the previous month, they could not explain this in ANY sensible manner. I asked them to explicitly read the card agreement language that covered this calculation - which a supervisor attempted to do without ANY clarifying effect. I believe this interest rate calculation practice is either fraudulent, abusive or incredibly deceptive. I would ask someone to look into this and, at the very least, inform the general public on what it could mean to them.   I have a finance degree and have worked in the financial services industry for over 20 years - and this interest rate calculation was difficult for me to understand. If I can be " suckered '' out of {$21.00}, I CAN NOT imagine how many people in the general population are being abused by this credit card company. I have now closed my account w ith PayPal Extra Mastercard but  PLEASE DO SOMETHING TO INFORM OTHER PEOPLE ABOUT THIS and help them make better, more informed choices.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

{$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..
Consumer complaint received 2017-04-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NJ)

I have been receiving repeat calls, including early calls for the las t two m onths. In  XXXX  when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in  XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers.     Wednesday,  XXXX   XXXX  --  13 M issed Calls  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  : Unknown  XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX   XXXX   XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

I have been making automatic payments without fail. My payments were {$160.00} and some change. I did not remember to fill out paperwork for recertification for   XXXX   for income based payments. They say that they sent reminders, but that is not true. On  XXXX   XXXX  of this year I opened my bank statement and was stunned to see that they debited {$2900.00} from my checking account. I spoke to an agent of Navient and said that I was going to fill out the required paperwork including copies of tax returns. I faxed the paperwork to them and told them to cancel automatic payments. Yesterday, which was  XXXX   XXXX  I opened my bank statement and realized that once again they tried to debit my account for {$2900.00}. I had an extreme physical reaction. My   XXXX   XXXX   XXXX   XXXX   and. My  XXXX   XXXX    XXXX   XXXX  . I experienced   XXXX   XXXX   and I ended up taking  three  times my normal  XXXX   XXXX   XXXX . I had to lay down to avoid  XXXX . I contacted  Navient  a couple of hours later after I had recovered to some degree. I was told that if their check went through I could start the process of a refund that w ould take two to three  weeks. I checked today and realized that my stop payment had been honored. I think they are absolutely ruthless and that they could of driven me to a   XXXX   XXXX  . I am going on   XXXX   XXXX   of age and that they acted in an irresponsible manner which could have caused significant damage to my health and well-being. They never warned me of what they were going to do and I believe it was their way of getting my attention and disciplining me.
Consumer complaint received 2017-04-27
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 — Problem with personal statement of dispute
Company: CORELOGIC INC (NY)

Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (TX)

I contacted Experian on  XX/XX/2017    about not being able to sign into and view my credit report. I was advised that there was no issue in their system and did n't know why I could n't view my report. It was also reported from others who had the same issue as mine. After being transferred among st 7 di fferent people and being on the phone more than an hour, I was finally in touch with a supervisor. Upon having a conversation with him and me requesting that I receive information on how they came to the conclusion that my inquiries and collections were mines, he told me that he would NOT disclose that information to me and all he was going to tell me is the information is verified as mine. I believe that is against the law and violates my rights! I was told that none of the inquiries could be taken care of or removed even though I advised that they were not mine, along with the collections that are reported on my account.
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

Applied for an income based repayment plan to begin in  XXXX     2017. W ithout income taken into consideration my minimum monthly payment was {$700.00}. When I applied for an income based repayment plan, they quoted me at a monthly payment of {$300.00}. Not bad -- if I did n't have an already extremely tight budget, working as head of household, with a child, bearing full housing costs, etc. When I called hoping to lower that monthly minimum ( {$200.00} is my budget for my Navient loans, because I have other Perkins loans, etc ), they could not budge and insisted that I was already on the lowest possible repayment plan. They then asked me if I could change some things on my application like -- did I want ot say I was pregnant? Was I sure I did n't have any other dependents? Being honest, I said no. The customer service rep apologized for the bad news and said there was nothing else he could do to help me, and good luck. This has forced me into forbearance for 6 months -- even with a very decent job and good pay! I want to repay my student loans, but I need to work with a company that will work with me!
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.