davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The account reporting on my credit I have no knowledge of the account. I have reached out and sent multiple disputes to the credit bureau requesting validation and verification of the account that I'm unaware of doing business with I got no response, I have also reached out to the creditor and neither have responding.The information reporting on my credit report does not match across each bureau. The account numbers per each bureau is not the same, the dates open is not the same per each bureau as well as the balance. No investigation could've been done no remarks of account was in dispute.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US BANK PROMOTION OFFER XXXX promotion offer. Account opened and only activated after the estatment XX/XX/XXXX provision. The main office held on to opened account then replyed to customer just in time to miss the offer.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I paid off a 0 % promotional loan from BANK OF AMERICA, paying early, before the 0 % credit card rate would have ended this coming XX/XX/XXXX. I paid them {$2300.00} by check from my personal bank account. Today ( XX/XX/XXXX ) I got an email from B.0.A. that my credit card account has a credit of {$170.00}. When I logged onto my account with them to find out why, I discovered that instead of {$2300.00}, they had given themselves {$2500.00} from my bank checking account, with no explanation. I phoned their customer service to ask why they did this, but none of what they said was applicable to my case, so their agent offered to send an eft refund check for the {$170.00} to my bank account, which he did, saying it will take 2 to 5 days to clear. However, he still had no explanation as to how this over-payment from my account occurred.

While my problem may now be resolved, my complaint remains : B.O.A. gave itself an interest-free loan of {$170.00} from my account, without my permission, not notifying me until today 's email message, which could have caused my checking account to be overdrawn. I am notifying you of this scam in case you have other such reports, if you need to take action against such a practice by this and/or other banks.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (OH)

My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX  this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??
Consumer complaint received 2022-03-05
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (VA)

The account reporting on my credit I have no knowledge of the account. I have reached out and sent multiple disputes to the credit bureau requesting validation and verification of the account that I'm unaware of doing business with I got no response, I have also reached out to the creditor and neither have responding.The information reporting on my credit report does not match across each bureau. The account numbers per each bureau is not the same, the dates open is not the same per each bureau as well as the balance. No investigation could've been done no remarks of account was in dispute.
Consumer complaint received 2022-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Equifax continues to validate fraudulent incorrect account information on my consumer report that has already been deleted from my XXXX and experian report to to the info being invalid and incorrect. This is causing me irreparable harm being denied of my natural right to obtain credit because my information was hacked in their 2020 dat breach! I have given equifax every chance to cure the errors and delete fraudulent erroneous information from my consumer report that does not reflect the same as the other bureaus! I have asked for full disclosure in the validation process and have been denied! Please help Equifax has not lived up to its passed off the deal to protect the consumer!
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (OK)

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. 

XXXX XXXX and XXXX with no account #, 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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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 2022-03-05
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (WI)

About 18 months ago I saw a drop in my credit score. I identified a negative entry for Shellpoint Mortgage. Up until then, I had never heard of them before. This had never showed up on any previous credit reports going back decades.

I then discovered this was the mortgage that my ex-wife is responsible for, her home in Virginia.

Now she has decided not to pay this on time or at all. I talked to Shellpoint several times trying to get answers about this. The only thing that I found out was that it is a 50 year mortgage. Every time I asked to see the originated documents on this 50 year mortgage I was told that they are investigating it. 
First, the mortgage is in the name XXXX. This is not my legal name. My name is XXXX. I also go by XXXX to avoid the jokes, but never XXXX. Secondly, why have I not seen this before last year? 
The impact on my credit score has been devastating. I filled complaints with the CFPB to no avail.

Now I realize that Shellpoint Mortgage is trying to strong arm me into paying this mortgage by holding my credit score hostage. Why else would it suddenly show up in my credit report after almost 3 decades? The are trying to force me to pay something that isn't my responsibility. Clearly, they are dealing directly with my ex-wife as this account is secured by a password I do not know, and see me as the cash-cow. I have never received any tax benefits from this home, and have never had any contact with them prior to this showing up on my credit report.

This is clearly a fraud being perpetuated by Shellpoint being aided by the big three credit rating agencies. I will not yield to their extortion, especially when this 50 year mortgage is blatant predatory lending. Because of the time this has unknowingly existed, I am unable to sue for this immoral and illegal lending practice.
Consumer complaint received 2022-03-05
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. (TX)

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

XXXX Said they are changing how cards are paid ( etc ) Told me i would receive new card on or before XX/XX/2021, no card .... then was told it would be mid XXXX ... still no card ... then told mid XXXX for different card, still no card, then told end of XXXX, finally last week of My, Received new card, told to activate and register card, activated same, tried to register, would not take any info, called them. they registered on phone thru customer service,, still can not access card. However they said theyll take payment over phone ... ha. BTW intertest was added throughout time i could not use card ... .. this is unfair credit practices. please make them treat me fairly, i am a senior ... XXXX XXXX XXXX.
Consumer complaint received 2023-03-20
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: Open Dealer Exchange, LLC (OH)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-05-16
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. (GA)

Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have an issue with Synchrony Bank accessing my credit report file and closing accounts I have with them based off of my credit standing with companies not associated with them. They are the only company that I know does this. I am trying hard to fix my credit, but they are working even harder to ruin my credit closing accounts. Received a letter today, XX/XX/2024 about my XXXX credit has been closed. At first the credit amount was decreased from {$300.00} to {$100.00} and today I get a notice the account is closed. I have NEVER been late on this account. To send me a letter saying it was based off of my credit worthiness as if I submitted a new application for credit! This is not the only account that was closed... the XXXX account credit amount was drastically decreased and next the account was closed, I was only a few days, not XXXX or 30 days late, all due to my pay hadn't deposited into my account. As soon as I was paid, I paid the account and it was still in good standing. The XXXX XXXX account was closed, due to returned payment, again waiting on my deposit, that account is still in good standing. I request an investigation into XXXX 's credit practice, due to the fact this is a common thing that is done with consumers that have credit with them. They'll grant credit and then a few months later, the amount of credit is lessened and next the accounts are closed. So now you're stuck paying them back after they have already taken the money you paid into the credit and you have to keep paying them. I did write an email when it happened the first time, to not access my credit report. Trust me, if an investigation happens, you will see the fraudulent credit practice that's being done to consumers!
Consumer complaint received 2024-04-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

On XX/XX/XXXX I submitted a fraud claim in the amount of XXXX XXXX  because I did not make the purchases. On XX/XX/XXXX, The Way2Go program accepted the claim, sent a letter stating they have given me the funds back and closed the claim. It is currently XX/XX/XXXX and I have not seen this money. I have called weekly, and everytime I get the response of Ill send this to a supervisor and you will have an answer within XXXX days or I have fixed that, give it until the end of the day and yet the money still has NOT come back to me. This is my XXXX XXXX XXXX money.
Consumer complaint received 2022-06-19
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. (OK)

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. 

XXXX Bank and XXXX with no account #, 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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 2018-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (OR)

Have an 11 year payment history, paid as agreed to Citi Bank XXXX. Currently showing on my credit report as 2 months paid only, and that a bankruptcy occurred inXX/XX/XXXX. This is adversely affecting my ability for home financing on a purchase contract closing XX/XX/XXXX and must be corrected asap. Thank you for your help.
Consumer complaint received 2022-03-05
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. (NY)

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-03
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. (FL)

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my medicaid insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (CA)

In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.
Consumer complaint received 2018-12-14
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: Skrill USA, Inc. (NC)

On XX/XX/2018, I used my back credit card to order a replacement ssn card for my daughter. Originally the online service said free, but then it ask for credit card information and I was charged {$39.00} to my account. I did not have all my daughters information, so I could not fill out the application. When I tried to cancel the transaction, I was told another company was who I needed to contact, not the company that took the money out of my account. 
The company that took the payment was Skrill USA. Inc.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (FL)

I opened an account with Prosper on XXXX under the agreement that if I set up auto pay before the 1st statement the annual fee of XXXX. Would be waived the 1st year. I set it up on the website because their app wouldn't open. It took a week for that to start working. I got a statement dated XX/XX/XXXX that charged the fee. I called & was told they couldn't verify my identity. I tried again today after email got no response. I was told that I didn't register on time so I have to pay the XXXX & they refuse to reverse the fee. They blocked my use of the account & I haven't even received the card yet.