davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

What happened? 
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have XXXX XXXX XXXX trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " XXXX XXXX XXXX '' whom bought two accounts, for the purpose of this compliant it will be specifically about my SYNCHRONY account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX  so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored XXXX to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Consumer complaint received 2019-01-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (NC)

CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their " rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. 

Coast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. 

I refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. 

I complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (TX)

Upgrade failed to provide the disbursement to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX since the loan funding date of XX/XX/2021. Upgrade has further refused to respond to inquiries regarding the distribution to XXXX XXXX, specifically the check number for the distribution and status of the check ( cleared or not ). 

According to the Upgrade website, only the cash distribution to my bank account was completed in the amount of XXXX. That said, Upgrade is retaining most of the loan amount despite demanding the first loan payment on XX/XX/2021, in the amount of XXXX which I provided per the terms of the loan agreement. 

It is my position that Upgrade is in breach of the loan agreement based on their failure to distribute funds to XXXX XXXX and provide proof that they have done so.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CO)

Over the summer I was 90 days behind with Barclay Card.  I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. 

This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. 

I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. 

I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. 

Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
Consumer complaint received 2020-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage company, Mr. Cooper did not pay 2 of my tax payments. I no longer get a bill so I was unaware that the payments hadn't been made. I saw that there was a large amount in my escrow account and called them on XXXX ( XXXX ). They told me I would not have to pay the late fee as it was there mistake. When I saw how much they paid I called them back on XXXX ( XXXX ), because I received a statement saying my house payment would increase due to a shortage of funds in my escrow account. I emailed the tax assessor to see what was paid by them and found out they had missed 2 tax payments, not one ( XX/XX/XXXX & XX/XX/XXXX ) and had to pay 2 late fees which they took out of my escrow account. They told me that they would credit it back to my account, but did not. I called again on XXXX ( XXXX ) and again I was told they would look into it and I should be reimbursed back for the late fee taken out of my account, I was told by the person I talked to that she would call back on XXXX. I never received any phone call or correspondence. The amount they owe me is {$330.00} for the late fee. My house payment went up {$70.00} a month to cover the shortage in my escrow account because they took too much out. This is causing a hardship on my finances as I am the only one working right now. When they took over my loan on XXXX, there was a credit of {$2700.00} at that time.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (LA)

XXXX XXXX BALANCE {$370.00} XXXX XXXXXXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit XXXX 
I have no luck, Also I attended XXXX XXXX which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (DC)

I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. 

IC Systems never sent a notice of debt collection. 

XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. 

I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who  confirmed there is be a XXXX balance on the account. 

I have not received a bill from XXXX since. 

IC Systems is required to send a notice of collection, which it did not. 

XXXX has already removed the collection from my account after dispute, XXXX is still reviewing the account.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I received a PayPal notification vie email ( XXXX ) advising that funds were sent to me in the amount of {$600.00} on XX/XX/2020. After several unsuccessful attempts to log-on to my PayPal Account i opted to reset my password. 
Resetting my password failed because my security control queries had two issues : 1. My phone number on file had changed for more than four years 2. My verification questions could not be answered correctly. 
Multiple daily attempts over a week to reach an agent at PayPal was unsuccessful. Direct contact with an Agent was not available due to call volume ... as per the voice recording from PayPal..Utilizing other contact options presented on their website such as the " Message Center '' and " Resolution Center '' was not useful as the majority of options except for a call into the automated phone service required that I had access to my account, which was the reason for the issue. ( I could not access my account ) The sender of the {$600.00} made several email requests to PayPal for assistance with my account access issue, this seems to have been ignored. The Sender have  also requested a cancellation or refund of the funds sent to me but this too seem to have fallen on deaf ears. Instead PayPal sent me another email advising that the Sender claimed that products were not shipped as required. This was not the case as the funds sent to me was a " Gift '' amount which was also stated in the email from PayPal I received originally on XX/XX/XXXX. The shell Office for PayPal at XXXX XXXX XXXX XXXX is empty, there is no one available here or any live contact. I visited the office last week hoping to get help but to no avail. I would like the funds returned to the Sender or have my PayPal account enabled so that l can access these funds as it was originally intended for medical purpose. 
The PayPal transaction Id 's related to this issue are : ( Receiver ) XXXX & ( Sender ) XXXX. 
There is an active case pending at PayPal, Transaction Details Case number : XXXX Buyer 's name : XXXX, XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$600.00} CAD Your transaction ID : XXXX Refund amount : {$600.00} CAD - ( Pending ) Your kind assistance with resolving this issue which has been ongoing for 13 days is appreciated.I can be reached at the above email address or by phone @ XXXX XXXX XXXX for any further clarification.
Consumer complaint received 2020-08-10
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. (NY)

On XX/XX/2020 in viewing my credit report I submitted a dispute regarding a fraudulent charge and requested this very old information be removed, XXXX responded by deleting, as a result my credit score increased. However, Equifax did opposite, dropping my score by 21 points. Both phone calls their agents directed me to " Obtain a Credit Counselor ". I find this scandalous. First your agency drops my score  then your direct me to a paid ... No other changes were made to my report within this 9 day period. Equifax offerred NO other recourse.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

They've gone through a update on their website so payment sites were down... They say you can pay over the phone but when you call it says call back later... They're easy pay site. Just keep saying loading loading loading or it says error can't find your information... I'm just very frustrated with this whole situation because I have five accounts that are probably going to have late fees ... One account already has a late fee.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NM)

I have a account that all ways seem to be in overdraft when I get direct deposit for XXXX for me and my son and everytime I took out my money for rent and bills sill had money in the account just so it doesn't go in to over draft The account would take the rest of the money for what ever reason then it was over draft the account and charge me then the money that was in there was deposit back in the account and still be in overdraft for the fees then charges still account on the overdraft account again so the bank then closed my account for to many days in overdraft so I don't know what happened but when I got my purse and everything stolen some one took all the money that I had in the account and replace the card but the damage was already done the bank could help me it was over draft for the fees and everything stolen from my account so it was just so far until I received an letter from the bank by the time I received payment from XXXX till the account got paid by XXXX the bank shuts down the account now I have to pay for the fees and everything stolen from that time till now it put me out of my Apt cause I couldn't pay cause of the bank account and still have not received any money back from the bank or anything else I been homeless since then and it's been over a year since then
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Flagstar Bank, N.A. (NC)

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Consumer complaint received 2020-08-07
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. (NC)

Equifax and XXXX stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Consumer complaint received 2023-03-12
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: LEXISNEXIS (VA)

On XX/XX/XXXX, I sent a letter to the United States Bankruptcy Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion ; thereof : in which ; information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 1681s-2 ( A ) ( 1 ) 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 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I have an excellent XXXX score - XXXX as reported by XXXX XXXX XXXX XXXX. The Downloaded credit report from XXXX does not match with the refusal reasons provided by Wells Fargo. 

* Serious Delinquency >> No such information on a credit report by XXXX * Lack of recent installment loan. 
>> I do not have a need for a loan and this is not a loan application * Too little time has passed since bank cards were opened.

>> I have 2 cards, one was opened in XX/XX/XXXX and the other in XX/XX/XXXX. 
* Account has late payments or negative records within 1year of  opening. 
>> I always pay in full and no such late payment info in my record. 

Since each card refusal ( hard credit check ) has a negative impact on my credit history, I want a detail review and explanation on the refusal. The refusal summary and credit report DO NOT MATCH.
Consumer complaint received 2020-08-10
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. (MI)

I have tried to have my information updated on my credit report as it is listed incorrectly. I have contacted Equifax several times regarding this and they have failed to correct it. I sent a letter to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each to no avail and I considered sending another letter because as of XX/XX/XXXX they still have not corrected my DOB but I decided to file a complaint instead. You will find all of the letters I sent to them attached along with my driver 's license which I also sent to them for legal proof.
Consumer complaint received 2020-08-10
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. (GA)

I have been an XXXX XXXX, Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX  greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX  is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. This is the second card they have done this on ( Costco Visa and XXXX XXXX ). I expect more to come by Citibank. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.