davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WV)

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX. Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax reports that a XXXX XXXX Secured Card that I cancelled is in dispute. Nothing could be further from the truth. I closed the account myself. It was paid off completely. There is no dispute. I believe that this inclusion is hurting my Equifax credit score and it should be removed.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MA)

I discovered a week ago that my credit card account with Discover has been enrolled in the Payment Protection Plan since XX/XX/2011 or earlier. Charges that I had initially thought were part of the monthly interest were associated with this plan. I estimate that I have been charged $ XXXX {$5000.00} in fees plus additional interest associated with the increase in my balance on the credit card account over this period. 

I do not recall signing up for this service, nor would I, upon reading the terms, ever consider it. I have not been in any type of situation where I was concerned about my job security. To this point, I have not used this product a single time in the 10+ years that I have had it. I believe that the terms were described to me in a deceptive manner, otherwise there is zero chance I would intentionally sign on. 

I do not believe that Discover has made an honest attempt to accurately describe the service or clearly define the terms. Nor have they offered a mea culpa or fair resolution to the matter.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I am the authorized decision maker on my mothers citi diamond card she verified and wrote my name down as a authorized decision maker lady i talked to over phone spoke with my mom after the account has been activated and approved for use, when i wanted to use the card she told me i could not until i gave her a different card number where my mother was the primary account holder she then made me at point of the account will not be used give her the XXXX  credit card number and security code, she said she was doing her job and then then said i will call XXXX  then we spoke and the card was ready for use
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX {$35000.00} were moved, without authorization, from my Citibank brokerage account to my Citibank checking account. Those funds were again moved, without authorization, back to the brokerage account that same day. Two weeks later, on XX/XX/XXXX, {$29000.00} were moved, again without authorization, from my brokerage to my checking account. I was subsequently " scammed '' into believing that that {$29000.00} was erroneously deposited into my checking account and that it should be returned. 

In mid XXXX my computer screen froze, with an on-screen flashing warning that the computer had been infected with a virus. A " XXXX '' phone number was provided XXXX XXXX XXXX XXXX. When called it was answered as " XXXX, technical support. My screen was cleared and I purchased/ downloaded antivirus software to ensure that future infections were prevented. After paying for and downloading the software, I realized that this might, in and of itself, be a scam. Using a different anti-virus software, I found that my computer had been infected. I had BestBuy wipe my computer clean and reload my software. 
XXXX, while working on-line on my checking account, I received a phone call from what I thought was a legitimate representative of XXXX. He was calling because " XXXX '' saw that I had deleted their software and that they were going to refund my money. While the " representative was " working on processing the refund, '' {$29000.00} appeared as a deposit in my checking account. The " representative '' claimed that he had made a drastic error and that I had to immediately return the {$29000.00}. I agreed to make the return but that I would spread it over three payments, so as not to go over the {$10000.00} threshold. He provided a wire transfer bank account and I wired {$9800.00}. 
Later that day I discovered the XX/XX/XXXX {$35000.00} transfers and that the {$29000.00} had been transferred from my brokerage account. I again called the ( XXXX XXXX XXXX phone number. The individual who answered told me to f*** off and hung up. When I called again there was no answer. 

I immediately reported all this to the Citibank Fraud Unit ( Case # XXXX ), the NY State Police ( XXXX # XXXX ), and the FBI Internet Crime Center website. 
On XX/XX/XXXX I was informed by the Citibank Fraud Unit, by telephone, that since the receiving bank ( in XXXX ) was not cooperating, my {$9800.00} was unrecoverable and that the case had been closed. My only recourse was to file an Affidavit of Unauthorized Online Wire Transfer, which I have done. I was advised that, since I had ( been scammed into ) authorized the Wire Transfer, my " appeal '' would most likely not be approved.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.
Consumer complaint received 2021-04-05
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. (CA)

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX, Equifax and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I opened an overstock credit card through comenity bank in XXXX. 
I made purchases in XXXX and XXXX totalling {$880.00}. 
I made payments totalling {$1500.00}. 
I was charged {$980.00} in late fees and {$720.00} in interest. 
The current balance on the account is {$890.00} which represents fees only as I have clearly paid for my purchases and additional {$670.00} on top of the purchase total. 
This is loan churning, relentless loan cycle, constantly charging interest fees and late fees without reducing the principal amount of the loan. 
I have not made a purchase on this account since XX/XX/XXXX. 
I refuse to pay any more money to this bank. 
I contacted them two weeks ago and have had no response to my request to XXXX out this account immediately and update the credit bureau immediately so this negative impact can be removed.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACE LENDING GROUP, LLC (FL)

XXXX As a young XXXX female, purchased my first home I felt discriminated against and I believe I was overly scrutinize because I am a minority The level detail and question that I am experiences were beyond the norm. For example without knowing my responsibility or merit question why a company would paid my current salary automatically assume that I was not worthy. I believe if I was white male that wouldnt have been question. Also asking me pacific question about the company owner ship even thought I let them know I am only a employee there. When I suggested them to call company owner they refused to.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

The only way to obtain essential document is thought a fax machine. I do not have a fax machine all of my documents are via e-mail. This mortgage was obtained from XXXX XXXX XXXX just over a year ago. Carrington Mortgage Service will only allow changes to the Escrow Account or PMI with these foams.
Consumer complaint received 2021-04-02
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. (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX Equifax - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2017-02-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (GA)

Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all
Consumer complaint received 2021-04-02
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. (MD)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2022-08-04
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. (CA)

XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means floor and decor, I do not even own a home, this is utterly and completely fraudulent.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I received an escrow statement from XXXX XXXX at the beginning of XXXX, 2021 indicating that I had a shortage in my escrow account and I needed to provide additional funds or my payment amount would increase. The statement indicated I needed a minimum payment of {$390.00} to set my new payment amount at {$1500.00}. I submitted a check for {$600.00}, which was cashed by XXXX XXXX on XX/XX/2021. Unfortunately XXXX XXXX applied the payment to principal. When I saw this mistake on my account on the website, I telephoned XXXX XXXXXXXX around XX/XX/2021 and asked why they had applied the payment to principal when I had submitted the payment with the escrow payment stub. They advised they would correct the problem and their records would be updated by XX/XX/XXXX. When my bank account was drafted for my XXXX, 2021 payment, XXXX XXXX withdrew {$1600.00}, which was the payment amount indicated on the escrow statement if I made no additional payments. I telephoned XXXX XXXX on XX/XX/2021 to again try and correct this issue. I spoke with a representative who said their records did not reflect this payment had been made. I waited over 40 minutes to speak with a supervisor to again correct this error. No one ever picked up the phone.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KY)

I have repeatedly disputed unauthorized hard inquiries via Equifax 's online dispute route, I have faxed them about the disputes and I have called them several times to no resolution. The reps were unfriendly and unwilling to help. I am only having an issue with Equifax, the other XXXX bureaus resolved with no conflicts.
Consumer complaint received 2021-03-23
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. (VA)

I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx XXXX
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I have been a card member with Synchrony Bank for over a year. I have four accounts with them but the one Im having trouble with is my XXXX XXXX account. ACCOUNT # XXXX On XX/XX/XXXX my account was closed, I was reported to the credit bureaus for being 30 days late. I was in the hospital for 19 days during that time and the day I got out I called immediately and paid my Bill. While in the hospital my sister tried to call to make a payment and let them know I was in the hospital with XXXX  but they refused to talk to or accept payment from her. To make the situation worse I have cardholder insurance with them which protects me in a situation like this but they refuse to acknowledge that I have it even though I physically have the police in hand which I will provide to you if possible. I spoke to them twice today and no one is will to honor any of their contractual obligations. Again from reporting me being 30 days late while I was in the hospital it was them refusing to accept payment, they refuse to honor their card hold insurance policy that is in force.. please help
Consumer complaint received 2021-03-22
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. (NC)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I opened an account in paypal. My business going well first paypal hold my all money by the reason of inconsistent payment and said it will be added in 21 days. And now they have permanently limited my account and hold my money almost XXXX $ in their account. Now they are saying that i have to wait for 180 days and i don't even know that what wrong i have done. I contacted paypal but they didn't reply me. 
I am attaching that mail they sent me
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: RSI Enterprises, Inc. (DC)

Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.