davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
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)

I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.
Consumer complaint received 2020-05-29
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. (NY)

On XXXX credit reports equifax, XXXX, XXXX  shows I owe money to XXXX XXXX XXXX  opened on XX/XX/2019 for XXXX dollars.
Consumer complaint received 2017-12-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (FL)

I returned the call on XXXX/17 and the young lady was rude. She told me people that do n't work still pay the debts. Then she wanted to go through my finances with me. I do n't think that is any of her business. 

If she wanted to collect a debt she should work with that person, not tell them how or how much they need to pay.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MN)

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX that was fraudulent there is 3 credit cards one from XXXX one from XXXX XXXX and one from XXXX XXXX XXXX that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.
Consumer complaint received 2018-03-24
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: Southwest Credit Systems, L.P. (NV)

I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I  received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

My original home loan was sold to XXXX XXXX and then sold again to Fay Servicing over the last ten years. I did experience a bankruptcy and paid back every cent of my owed amounts. Upon completion of my bankruptcy the next step on my financial journey was to repair the home loan -I applied for loan modification several times Between XX/XX/XXXX andXX/XX/XXXX. Each time I would Submit paperwork to my account manger -they would continually ask for additional Documents - which I worked hard to obtain - when my loan package was complete Or nearing completion i would suddenly be passed over to a different loan manager or mysteriously my paperwork would be missing- I worked with aN Account manager named XXXX - XXXX XXXX XXXX XXXX just to name a few. I applied for the loan modification not to ask for a reduction in payments just to work the arrears of th mortgage into the mortgage as I was able to pay each month and was denied unless I could Pay the entire arrearage. Even though I pay my own water trash and Insurance I have been continually charged by XXXX servicing for such services adding and compounding fee onto my arrearage- I as an consumer have tried to work with Fay serviceing in good will to repair my mortgage with no options from them and limited contact from them. I work hard and can pay my note and do not want to lose my home to foreclosure.
Consumer complaint received 2018-03-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I purchased item on XXXX that has been scam. XXXX approved refund under number SR # XXXX. On XX/XX/XXXX XXXX. It is XXXX. 

Allegedly, they the paid money on XX/XX/XXXX but no refund has been ever received. I exchanged numerous emails with XXXX and paypal. XXXX gave paypal responsibility to return money although payment has been executed but debit card and paypal has not been involved originally. It looks like they have designed process so you exchange endless loop of emails but actually never have intention to pay. They constantly change what you should od and there is always some additional step to do. After some time they start to repeat.
Consumer complaint received 2017-12-27
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. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer The items in question are as follows : ACCOUNTS 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  XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXXXX/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 IL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (UT)

On Saturday XXXX, XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX UT XXXX, I deposited XXXX XXXX Dollars cash in the ATM machine. When I made the deposit the machine gave me a receipt saying your transaction has been declined and never I credited the money to my account and the ATM machine didn't return it either. They swallowed my money, the bank was closed so I couldn't complain to anyone, I called the XXXX number on the receipt, they helped me and told me that they were going to open an investigation. And on Monday morning I should call the bank and tell them the situation. 
So I did it, the bank employee said to wait, they told me that they opened the ATM machine and found the XXXX k but they couldn't hear me return it because the case was already open, it's fine, I wait but 5 days have passed and they don't credit the money to my account and I need the money because I have to pay for things, I have called the bank and told them to return the money and they hang up on me or play the music, they are literally stealing my address, this US BANK, so I want to put knowing that I have been scammed.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (MI)

from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

I have submitted withdrawal request of $XXXX from Coinbase account to my verified Bank account on XX/XX/XXXX. As per email from Coinbase the amount should get deposited to my account by XX/XX/XXXX. But the funds are still not deposited as of today XX/XX/XXXX.My bank account has been verified by 2 small deposits by Coinbase. So there should not be any issue with the account information.I initially contacted Coinbase on XX/XX/XXXX but didn't get any response. After creating another support ticket, I got a response on XX/XX/XXXX that Conibase specialist is working on this issue. Later I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by support ticket but didn't get any response till date. Their Customer Service number have extremely long wait time and states that withdrawal related issues are not supported by phone.I have included the withdrawal reference number and other documents for reference.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

FEB/DESTINY opened -XX/XX/XXXX balance {$840.00} XX/XX/XXXX This account I have no knowledge of this account and I called the credit company to confirm that this account was opened fraudulently. I disputed with my credit bureaus.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NM)

So the loan is through WESTLAKE SERVICE INC And the car was signed with a co signer I thought originally I was co signer but I had thought when I signed paperwork I was the co and not the main signer so I had the co signer keep car because we split up so when the co-signer could not pay car and got repossessed I found out it was my car and I got stuck with all the debt the balance on my credit is for {$13000.00} the date open was XX/XX/year> till current
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Commonwealth Financial Systems, Inc. (WI)

The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (PA)

I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.
Consumer complaint received 2017-09-09
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. (MA)

Regarding the Equifax credit breach of XXXX. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian refuses to open a dispute at my request for the following inaccuracies on my report. 

Addresses that need removal XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts that are closed and are too old to be reported. Experian refuses to process my dispute 1. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 2. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 3. XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown I requested method of verification from Experian regarding the following closed accounts that I have disputed but remain on my report. To date Experian has not furnished who they verified account with and how the account was verified XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Experian reports inaccurate social security numbers for me : Please remove all numbers that are incorrect and do not have the last four as XXXX