davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.
Consumer complaint received 2021-02-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CA)

My Mother passed away on XX/XX/XXXX. Her house was sold in XXXX, XXXX. The Reverse Mortgage was paid in full in XX/XX/XXXX. I received an erroneous 1098 the beginning of XXXX, XXXX which showed my Mother paid $ XXXX in interest in XXXX. Actually, it was more like {$7500.00}. I've emailed and provided all the documents to American Advisors Group. No response. Called in. Waited for hours to get on the phone. Finally got another email address. Sent everything again. Email said I would receive a response in a few days on XX/XX/XXXX. Today is XX/XX/XXXX. Nothing! Called again today. Again on hold for several hours to talk to a person who told me he " reached out '' to the person in that Department. That's the person " XXXX '' I spoke to on XX/XX/XXXX. The excuse today is the weather in Texas. 

Now I am scheduled for a call back on XX/XX/XXXX. 

The response time for this company is a joke. My mother complained bitterly while she was alive about dealing with this company. Being put on hold for hours on end. No Response. 

I can not file tax returns. I am forced to leave her bank account open, incurring charges until it can be closed. Have a CPA on stand by. Wasting hour upon hour waiting for a corrected 1098. It is a simple typographical error made by AAG. Legally, the documents were to be provided by XX/XX/XXXX. 

My Mother 's house has been sold, her estate has been distributed and the very last thing to do is her tax returns and they screwed that up and DO NOT RESPOND. I feel very sorry for the old people who have to deal with this agency. 

XXXX XXXX, Co Administrator, XXXX telephone number XXXX XXXX Estate of XXXX XXXX XXXX American Advisors Group XXXX Loan No. XXXX
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MS)

PayPal - negative {$1000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1000.00} XX/XX/XXXX Transfer There is an open dispute associated with this transaction. Visit the XXXX XXXX to view status. 
Paid with Balance {$1000.00} Transaction ID XXXX Seller info PayPal Note {$1000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation My email is XXXX XXXX
Consumer complaint received 2018-11-25
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)

I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment.
Consumer complaint received 2020-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL (FL)

On Wednesday, XX/XX/2020, I asked for an advance of {$1000.00} from PayPal. com online to come from my PayPal Credit out of money they stated that I had available for a short term loan. Just recently I had borrowed to pay for eye glasses - 2 pairs for a prescription. The money was advanced to me and I paid off the loan ahead of time. 

PayPal told me on Wednesday, XX/XX/2020, that I had a {$1000.00} going to my wife 's account to pay for services on her account and PayPal told me that the {$1000.00} was advanced from my PayPal Credit line but then it was held back as a Pending Payment situation - with NO explanation or a payment that was supposed to be immediate. 

This was on Wednesday that the amount of {$1000.00} was supposed to be advanced to me today, Thursday, XX/XX/2020. The amount is still pending so my wife is forced to get money from a XXXX bank account to pay the transaction at a price in excess of XXXX percent exchange rate between XXXX to XXXX dollars! 

That is extremely costly for her to complete that transaction and PayPal gave us false information that the money would be advanced from my PayPal Credit account to her bank account to save her over {$300.00} to transfer {$1000.00} from XXXX to XXXX. This is totally ridiculous on the part of PayPal.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (DE)

Prior toXX/XX/XXXX, I lost my job Due to COVID and was surviving strictly off of my savings. I was unable to pay the minimum payments on my Macys credit card. About a month later, I got employed and began making more than the minimum payment required on the card. My balance went from {$1400.00} to {$100.00}. I contacted the Macys credit department and explained that I was going through financial  hardships at the time, and would like to know if they could move the negative reporting from my credit. I was advised that even because of my financial hardship, they could not remove the reporting. They did however waive the derogatory reporting and sent me a letter waiving it. This letter however does not change my credit score. Im currently working towards purchasing my first home and Id like to have excellent credit by XX/XX/XXXX. Having this payment on my credit report makes it harder to reach my goal. I think Ive proven myself worthy of making payments on time and would like for the one late payment to be removed. Attached to this is the letter I received from Macys waiving the late payment.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I have a XXXX account. On XX/XX/XXXX I attempted to pay my balance in full, {$550.00}. My checking account was not listed as a means to make payment, so I added it and made a payment. XXXX 's computers say my checking account is already connected but it's not and my pay was 'refunded ' on XX/XX/XXXX. 

I was told to contact Synchrony Bank, the actual creditor. I made a telephone payment which posted to my personal checking on XXXX. 

Later I tried to add my account several times but failed each time and with each attempt my personal online banking account was locked. I called several times and had several online conversations. 

XXXX instructed me to contact Synchrony Bank but Synchrony Bank had told me to contact XXXX. I am getting the run-around from XXXX. I asked for a supervisor but was blind transferred to an automated line. Today is XX/XX/XXXX and my account is not reflecting correct figures. I don't know if I'm paying interest on a balance I have already paid. 

I have spent too much time trying to straighten out this account. I have n
Consumer complaint received 2018-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

In XXXX we received an email that our loan was purchased by LoanCare. The end of XXXX we received another form email that the transfer was complete. However we never received any USPS mail with account specific information. 

I mailed our check and added a note that we did not receive info about our account and could they please mail us account information. Additionally I explained we do not receive mail at the physical address so please send the our PO Box ( the address was supplied ) In XXXX same thing. No mail so I sent the payment and a letter. Again please send to PO Box . 

Today we were served a threatening letter that they were going to foreclose on us and we were behind on payments. We have never missed a payment and have tried over and over to obtain information about our loan. 

Please help us get our account information On a note this is the 3rd company this year to have our mortgage and this is the only company who will not mail us a statement.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXXXXXX XXXX XXXX ) placed on my consumer report by XXXX Equifax, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Consumer complaint received 2023-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I applied was trying to refinance my existing mortgage because the agent told me that I would be able to get enough money back to put a new roof on my house. I went through all the paperwork. The agent told me I would have to get a home inspection that they would arrange but I would have to pay for it. Which I did, it cost {$500.00}. Once the inspection was completed the agent then told me I would not qualify for the refinance. I questioned why they would let me get this far into the process and pay for the home inspection if they new I would not be able to get out of the home the amount of money needed for the new roof. The communication was cut off between the agent I was talking with and a new person was now talking to me. Which this indicated in my opinion they knew he screwed up. I requested to be reimbursed for the {$500.00} I wasted on the home inspection and they never responded to me again.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2020-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I had a fraudulent charge on my credit card on XX/XX/XXXX in the amount of {$440.00}. 
I reported it and cancelled the credit card and received a new card. I received a letter in the mail confirming the fraud investigation and stating that I was eligible for a credit. I called in the beginning of XXXX as I never received the credit and they stated that the fraudulent charges had been removed from my account. The fraudulent charge still shows up on my account. I have paid the bill for this amount and am expecting a credit in the amount above. I called them again today XX/XX/XXXX and they don't seem to have any record of any call in XXXX. They are doing nothing to reimburse me the amount of the fraudelent charge. I have to wait on hold 30 to 45 minutes each time I call.
Consumer complaint received 2020-08-14
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. (NC)

I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX, XXXX XXXX XXXX XXXX NC XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE, ALSO THE NAME XXXX XXXX IS MIXED IN WITH MY FILE USING MY INFORMATION.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (NC)

I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score was decreased by 52 on XXXX and 74 points on Equifax. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?
Consumer complaint received 2020-08-14
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. (IL)

I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my XXXX XXXX / XXXX XXXX credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees. 

When I opened the account, XXXX XXXX forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with XXXX XXXX and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by XXXX XXXX XXXX  unreliable technology, lack of disclosure, and lack of concern for its customers. XXXX XXXX denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I disputed 2 accounts from Equifax and they are still reporting inaccurate information. I need the information I disputed deleted asap it is hurting my credit score and affecting my livelihood. 

Demand is hereby made for Equifax, XXXX, and XXXX XXXX to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-07-13
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. (MI)

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.