davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (ME)

I applied for and was approved for a Lending Club debt consolidation loan, which was funded on XX/XX/2021. There were two creditors that were supposed to be paid off as a result of my Lending Club loan, XXXX XXXX XXXX  and Proper Funding. The XXXX XXXX debt was paid off promptly. The XXXX XXXX loan remains unpaid almost a month later. While I understand that the actual PROBLEM with Proper Funding not getting the payment may not be Lending Club 's fault per say, Lending Club has continued to refuse to remedy the situation by stone walling me when I contact them or offering different explanations or by giving me additional periods to continue to wait for Prosper Funding to receive a payment that has been pending now for almost a full calendar month.

Lending Club COULD have chosen to stop payment on the check, and deposited the funds directly to me so that I could pay the creditor, but instead I get a literal song and dance. I keep getting told I need to wait an additional length of time, even though I was initially told that once 14 business days had passed that I could open a process with them and that within 24-48 hours thereafter the problem would be addressed in the manner I spelled out above ( not the case at all I have found ). 
The bottom line here is that I am now being charged interest on a loan, and about to make my first payment on that loan, while at the same time I am being denied the RIGHT TO RECIEVE MY LOAN PROCEEDS OR TO HAVE THEM APPLIED TO MY SELECTED CREDITOR AS SET OUT IN OUR INITIAL LOAN AGREEMENT. 
This is clearly an intolerable situation which has begun to cause me personal financial harm. Lending Club needs to do the right thing and fix the problem immediately, it doesn't matter why it has happened, it just needs to be fixed. 
I would have preferred that Lending Club taken the initiative and done the right thing without me having to complain or having to be prodded to do the right thing.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Coinbase refuses to timely and adequately investigate unauthorized accounts and transactions. A user is illegally using their services as an escrow account as a part of an elaborate fraudulent scam, but the company wont respond to email requests on their support line, nor will they take calls. 
One of their users has taken my identity and others to open accounts and fraudulently wire money into those accounts. I have sent over 30 messages through their support email the same day these funds were wired to no avail. I contacted their bank servicer, XXXX XXXX, who also had no way of contacting them and have provided information to the authorities. 
The account number XXXX Routing number XXXX is a fraudulent account using my stolen identity to wire funds into under an escrow account. Coinbase will not respond, not take calls, and cooperate with an investigation with authorities.
Consumer complaint received 2022-03-25
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-25
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: IQOR US INC (OK)

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account XXXX : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. I am confused as to why they are reporting the account balance as {$1500.00} when the high credit limit was {$1200.00}. I have sent two complaints XXXX and XXXX. The complaints that not only sent inaccurate information ( which violates the FDCPA ) but also exposed another consumers personal identifiable information by XXXX XXXX, Supervisor Complaint Management and Quality Assurance, at XXXX or XXXX. XXXX XXXX is the data furnishers of this account therefore they are responsible for information that is reported to the bureaus despite what was said in the attached complaint. Please see attachments. I have also made a complaints with XXXX  andFederal Trade Commission due to the of negligence of this company.
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE iXXXX XXXXXXXX  now.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

purchase appliances in home depot through home depot credit card on as 24 months interest free but forgot to payoff the balance within 24 months- Interest of entire purchased amount for 24 months was posted on account. 
Ending Balance was XXXX - posted for 24 months interest {$1100.00} with new Total - {$11000.00} on credit card statement. Try to call couple of time customer service but no use.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NV)

ATTENTION TO XXXX  XXXX XXXX XXXX XXXX CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my rental history on my consumer report, I have found that there are 2 fraudulent Identity Theft items listed. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following 2 fraudulent rental history court record items I wish to dispute on my consumer report : XXXX XXXX case number XXXX, Suit date XX/XX/18 and XXXX XXXX XXXX XXXX case number XXXX, Suit date XX/XX/2018. I have never lived at those apartmenta or addresses and how can I have possibly have 2 landlord/tenant jidgements within 6 weeks of each other. I have been a victim of Identity Theft a few years ago and strongly belive this is a continuation of my past issue. By Federal law you are requested to list complete accurate information and you are listing 2 fraudulent identity theft items. I have lived at my current apartment for over 5 years. Per Federal Law when a consumer informs the consumer reporting agencies of Indentity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report, State ID and social Security Card for viewing and verification. Per the FCRA
Consumer complaint received 2021-12-11
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: SYNCHRONY FINANCIAL (VA)

Summary of the case : I am the owner of an account with a credit line with Synchrony Bank/ PayPal Credit XXXX 
On XX/XX/2021 I paid {$1000.00} to a XXXX manufacturer ( Manufacturer ) with my Synchrony Bank/PayPal Credit ( Synchrony ) to make silver jewelry for my small business. 

The manufactured jewelry was defective, and Manufacturer and I agreed to return the merchandize for repairs. Manufacturer has been in receipt of the returned jewelry since XX/XX/2021 and although he committed to a 2 weeks repairs deadline, he has been constantly delaying the repairs. 

On XX/XX/2021 Manufacturer mailed a package, 3 days after I have already opened a claim with Synchrony & informed him that I no longer wanted the merchandize & and that I would refuse any merchandize sent my way. 

On XX/XX/2021 Synchrony issued me a credit for {$1000.00}. 
On XX/XX/2021, Synchrony reapplied the charge of {$1000.00} to my account. 

As of XX/XX/2021 all updates from the XXXX tracking website shows Receiver refused delivery. XXXX will contact the sender for further instructions. 

I have unsuccessfully tried getting in touch with Synchrony to speak with the Dispute Department to explain the complexities of the case and to inquire as to why they reapplied the charge when the XXXX tracking number clearly shows that I am not in possession of the merchandize. 

As of today, XX/XX/2021, I have not received no meaningful explanation as to the reapplied charge from Synchrony when all the submitted evidence shows that I am NOT in possession of the merchandize and that I have NOT received the repaired merchandize. 

Attached : 1. XXXX tracking history for package XXXX showing that the package was NOT delivered to me. 
2, Original charge of {$1000.00} made with the Synchrony 3. XXXX  tracking history showing that the Manufacturer received the returned defective merchandize on XX/XX/2021 2021
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IN)

As of XX/XX/XXXX I have 8 AES/XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX  customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

On XX/XX/XXXX I scheduled a credit card payment for XX/XX/XXXX to my Discover credit card account in the amount of {$200.00}. 
The following day Discover debited my bank checking account for {$200.00}. This payment has not been credited to my credit card balance, and I am having concerns that my {$200.00} payment has just disappeared and will not ever be credited to my Discover account! 
This is obviously a flagrant error on the part of Discover card, and they seem to have no interest and are very lackadaisical in correcting this egregious, careless error! 
Thank you!
Consumer complaint received 2020-03-07
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: ID Analytics, Inc. (CA)

SageStream , LLC on XX/XX/2020 shows that my credit report had to many inquiries along with a multitude of other things in my credit score that just aren't true. The list includes : Unacceptable account history. 
Unacceptable credit history. 
Insufficient credit references. 
Limited credit experience. 
Number of recent inquiries. 
They also ran my credit without my permission but that is another case that's pending.
Consumer complaint received 2022-05-15
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. (TX)

Since XXXX of 2021 my credit file has not been updated with new creditor information. I have reached out to my credit card companies as well as my bank for my car loan. Each have said that they are reporting fresh information each month to the XXXX major credit bureaus. XXXX and XXXX have updated information except for Equifax. I have reached out to this company more than once to try and get this resolved, but nothing has happened. I have attached screenshots of my credit file with Equifax so you can see what I am seeing. It has been MONTHS since anything has changed to my credit file. Please help with this situation. 

Thank you.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I opted out of marketing messages. Synchrony is sending me multiple marketing messages and disguising them as account information. the information contained is clearly marketing for their product. I emailed and called them to ask them to stop the marketing messages and they did not respond. This is an attempt to get around consumer laws. 

Email XXXX XXXX  : XXXX XXXX For your account ending in : XXXX Dear XXXX XXXX : We wanted to let you know about everyday financing options available on your Amazon.com Store Card or XXXX XXXX XXXX Card account. As a cardholder, you are eligible for one of the following deferred interest financing options when you make a qualifying purchase with your store card : No Interest if Paid in Full Within 6, 12 or 24 Months. 

For the financing offers described above, if the balance ( which includes the financing offer purchase amount and related optional debt cancellation charges ) is not paid in full within the offer period, interest will be imposed from the date of purchase at the variable APR that applies to new purchases made on your account when the financing offer purchase is made, which as of XX/XX/2021, is the variable APR of 25.99 %.

Minimum monthly payments are required. Regular account terms apply to non-financing offer purchases and to financing offer purchases after offer period ends. Offers are subject to credit approval. This is only a summary of key terms. Please see any financing offer advertising or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. 

To learn more about everyday financing offer benefits with the Amazon.com Store Card, including special financing and Equal Pay financing, please visit www.amazon.com/financing.

We look forward to continuing to service your Amazon.com Store Card or XXXX XXXX XXXX Card account. 

Thank you for your business. 

Synchrony Bank
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

When I cancelled my service with att and finished laying everything off. They sent me an additional bill for {$2500.00}. I asked for itemization on the bill since I didnt know what it was for. They sent another bill and it just said I owed money but didnt explain what for. I went to the closest store and they couldnt help me. Said I needed to go online. So I did and they sent another bill that was supposed to be itemized so I could see what this mystery charge was for. The bill was again not itemized so I have no clue what the charge is for. I explained I am not going to pay a mystery bill with no explanation as to what it is for. Then they sent it to collections. While dealing with them I was told I could get an itemized bill. I never have received one.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NJ)

The Collection company has provide wrong Account information. I return the items and was billed for items when they was not in my procession.This is against my consumers rights and want them to be remove from my credit asap. or i will have to take legal actions.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.