davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my XXXX ) and payed down my credit card with a VA refinance loan. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
Consumer complaint received 2017-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  XXXX
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

I graduated from College in XX/XX/2012. After graduation I was unable to find a job in my field ; but I was making minimum payments on my loans while I was in college. But I was working as XXXX for a XXXX and about 6 months after graduation ; I was contacted by Sallie Mae or XXXX. The representative asked me number of questions about my to income to set up a appropriate payment plan for me. I was told my monthly payment would be close to {$500.00} a month. I said alright. A few days later I was contacted again and told to set up a payment plan again. The first person never told me that she was actually only setting up a payment plan for federal loans. This particular customer service rep continue to tell me that I need to set up a plan very aggressively over the phone. Confused I kept stating I have already set up a payment plan for my student loans ; after about 10 minute the rep finally reveals that oh I am calling about your private loans and you have to pay again close to {$500.00} a month. Making only {$XXXX} a month after taxes more than a {$1000.00} were going towards my student loans and they would n't understand that I was making bare minimum. I had other expenses. Granted I lived at home with my mother ; but I have been suffering from a XXXX for more than 8 yrs ; so I stated I have monthly medical bills. I had to pay more than {$5000.00} for XXXX and {$3000.00} hospital bill and other monthly copays. Soon thereafter I lost my job due to my illness ; so I was being contacted by collection agencies telling me that they were going to start garnishing my mother 's income and confiscate my car. So I had to pay on my credit cards and I told the rep of collection agency ; that I have been very sick and have XXXX. But she did not care and continue to threaten me.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAB Receivables, Inc. (NC)

On  XXXX   XXXX  I sent a letter  to Cab Collection agency  asking them to validate the debt they are saying that I owe for {$100.00}. On  XXXX   XXXX ,   XXXX   I recieved a letter from someone at the collection agency stating they can not find the account that listed on my credit report and asked for me to send in documentation about the debt. The letter stated that I wanted to settle the account but that was not what my letter stated to the collection agency. They have not validated the debt and is not able to validate this debt per the letter they sent to me via the mail.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NV)

Marcus by Golden Sachs ( GM Rewards Credit Card ) Account opened... XXXX Account closed ... XXXX Credit amount approved ... XXXX Account was closed suddenly without any notice. I found out while trying to make a purchase and was declined. I called to find out what was going on especially since the account was recently opened. They told me the account was closed due to regulatory reason, with no additional information.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST FINANCIAL BANCORP (OH)

In XXXX, 2023 the consumer completed an online credit application with First Financial Bank and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, First Financial Bank has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because First Financial Bank does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), First Financial Bank actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by First Financial Bank, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. First Financial Bank sent a letter of " Adverse Action '' to the consumer stating that First Financial Bank stating the description of the action taken as DECLINED. Lastly First Financial Bank fails to comply with Ohio Revised Code 4112.021 which prohibits discrimination against consumers
Consumer complaint received 2023-01-05
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. (MS)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day oveXXXX XXXX XXXX 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 XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-01
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. (NC)

I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.
Consumer complaint received 2023-04-11
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 (CA)

I made a credit card payment to Barclays Bank on XX/XX/2022 in the amount of {$920.00}. Barclays sold my credit account to XXXX Bank and neither bank has given me credit for that payment made. XXXX has referred me back to Barclays. Barclays attempted to communicate with XXXX and XXXX from the XXXX XXXX has called me, but previous claim is now closed even though this situation is not resolved. XXXX continues to be non-responsive. I have also filed an action with the XXXX against XXXX over this. I would like proof from Barclays that they received my payment based on the transaction information I provided them, as well as proof of them sending it to XXXX. I would like my refund of {$920.00} immediately. I have proof of payment from XXXX Bank including the credit tracing number. 

Previous Claim # XXXX
Consumer complaint received 2022-06-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

IN XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (PA)

I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ERC (KY)

I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I always pay off my credit cards every month, so I was surprised to find that Chase charged me interest for two months in a row. I tried to figure out why that would be, and I finally realized that maybe they don't offer the 25-day grace period that has been the standard for the past 30 years. So I tried to look up on their website and find what the grace period for purchases before interest is charged. I could not find ANY information related to the grace period. I finally resorted to XXXX, which informed me that Chase typically offers " at least '' a 21-day grace period. No wonder I was paying interest. 

I cancelled my credit card with them yesterday upon discovering this information, but not only does it seem like a predatory practice, it seems really contrary to the ideals of lending transparency that I could not find this information anywhere on their website.
Consumer complaint received 2017-01-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SC)

I borrowed a loan from XXXX XXXX ( now Navient ) in 2008 for {$12000.00}. XXXX. When I signed the promissory note I was not given any information about my loan payments or additional charges I would receive. I have asked Navient several times to give me copies of my loan details and I have finally found the statement I received on X/XX/2008. The payment schedule and disclosure statement states that I borrowed {$12000.00} at a 10.605 % interest rate and was given a finance charge of {$29000.00}. It states that after I have made all of the payments I will have paid {$41000.00}. How is this fair?! This means that by the time I am finished making these scheduled payments, I will have paid back 3.5 times what I borrowed. If I had known this, I would have never agreed to this loan. I am working and have not been late on any payments but it is not right to be charged this much money. I have another loan with Navient where I borrowed {$12000.00} and was given a finance charge of about {$6000.00}. I do not understand how XXXX XXXX/Navient can get away with this. Please help 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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2017-02-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MI)

I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.