davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: Flagstar Bank, N.A. (TX)

XXXX XXXX, XXXX payments are showing on the following on my credit report. 
XXXX XXXX XXXX 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Flagstar Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

thank you XXXX XXXX
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I signed for this card because of the promotional period for two years, interest free. I understood from the terms that after 24 months if balance is not paid then I would be charged interest. My understanding was, I would be charged interest on what was still owed NOT on back interest that accumulated for the entire 24 months. 

From the beginning of the account, I would pay automatically from my bank the repeated monthly amount. On XXXX, XXXX, my payment was due and it was too late to pay thru bill pay. So I called in to make the payment, the balance due did not sound correct. I waited on XX/XX/XXXX to speak to a live person. Spoke to XXXX, who advised that I was charged {$930.00} of back interest, promotion expired back in XXXX, monthly payment increased so the usual amount that I was paying did not satisfy the payments for XXXX/XXXX/XX/XX/XXXX Therefore, I was charged late fees as well for these months. Thru all of this, I received no statements from Synchrony Bank. Rep confirmed that the statements were returned. With all of this, I received NO communications from Synchrony Bank. They confirmed my correct address. So it is suspicious why if statements were sent why I did not receive them. Rep initially advised nothing she can do and advised that I needed to make a payment of {$170.00} that day in order to bring my account current. An amount that as was more than 3 times my usual monthly payment amount. After advising her that I could not pay that, she finally got approval to waive late fees/some interest charges. Advised that my next payment would be due XX/XX/XXXX. She advised that she was going to report the issue so my account can be further reviewed in regards to the charged accumulated interest and I should hear from the company within a month. Magically, I did receive my first statement for the month of XXXX. 
As of today, XX/XX/XXXX, I have not heard nor received any communication from the bank in regards to my disputes, I called in to find out what was going on. After waiting on the phone for 20 minutes, 1st rep, I spoke to XXXX, advised she saw no notes to that regard. She transferred me to an account manager, who also advised that he saw no notes to that regard. I asked for the recording of the conversation, he said nothing. He then placed me on hold to further review, he advised that there is nothing he can do. He spoke to the highest authority. I requested to speak to that highest authority. I was then transferred to another Account Manager by the name of XXXX who advised that there is nothing that can be done.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NV)

I would receive multiple phone calls at the end of the year closer to the holidays and tax season, but when I returned the calls I would get a voicemail or they would say theyre closed and would give the hour of operation and I would be within that time frame. Ive submitted 2 or 3 get in touches on their website, to try to get in contact with someone but havent been able to reach a real person. I have tried to dispute with XXXX XXXX but not getting any response and furthering that no solution. 

Called this number XXXX The Contact Us form is what Ive filled out anytime I havent been able to reach someone.
Consumer complaint received 2022-10-12
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. (GA)

I sent a certified letter to Equifax requesting that they verify inquires on my report. It was confirmed received on XX/XX/XXXX. I received a letter back reporting that they can not complete the request. 

The inquiries are from the following : XXXX XXXX Bank XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX Bank XXXX XX/XX/XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.
Consumer complaint received 2022-10-12
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. (PA)

in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.
Consumer complaint received 2021-01-08
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. (MI)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH XXXX
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

From XX/XX/XXXX to XX/XX/XXXX, both my checking and savings accounts got unauthorized transactions over 9000 USD in total to an unknown person through coinbase.com platform, which is a website managed by coinbase, inc.. I never had any accounts with coinbase.com, never provided my account numbers and never approved such transactions.
Consumer complaint received 2021-08-20
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. (CO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-01-27
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX ask us to update our information in their system on XX/XX/XXXX, because we are an owner of the timeshare and they told us that the company has a new system. So since we did not accept our tablet last XX/XX/XXXX and the welcome package they sent us, they will contact the main office if they can reinstate the expired offer. They asked our ID and SSN to verify our account and ask us to sign that they authorize us to look at our account in the system but they never informed us that they will run our credit. I just found out because I have XXXX  XXXX  who monitors our credit scores.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

1 ) US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is requiring payment for an insurance lapse XXXX ( {$340.00} ) caused by liquidation of her insurance company XXXX XXXX Insurance effective XX/XX/XXXX XXXX The insured had paid in full for coverage beginning XXXX in good faith and was never notified by XXXX XXXX Insurance or her local insurance agent of this liquidation 2 ) Insured was informed of her lack of coverage from XXXX XXXX Insurance by US Bank on XX/XX/XXXX and immediately secured coverage beginning XX/XX/XXXX that satisfied US Bank . Insured was notified in writing by US bank on XX/XX/XXXX that no further action was required on her part. ( Note : Insured is a XXXX XXXX XXXX widow and her affairs are being handled by her daughter holding a financial power of attorney. 

3 ) Insured has been notified by US Bank that a charge of {$340.00} will be added to an escrow account in order to secure coverage ( In arrears ) for the period of XXXX. 

4 ) Multiple attempts beginning XX/XX/XXXX to resolve this issue with US Bank via email, phone conversation and writing have been unsuccessful.
Consumer complaint received 2022-10-12
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: WELLS FARGO & COMPANY (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I was made aware of debt through a unlawful reporting and collections attempt by TRANSWORLD SYSTEMS that claims to be collecting a debt for or on behalf of a utility company called XXXX XXXX. A company I never had any dealing with, my utility company at all time has been XXXX XXXX a company that services the XXXX area where I live, XXXX XXXX on the other hand does not even service my area. I have asked this company to submit information along with documentation to substantiate the validity of the account, documents such as a service agreement with a copy of the identification necessary to establish an account, evidence that I have lived in that address or information about the service address which seems to be within the XXXX New York area, a service area at least four hours away from my place of residence. This company was not even able to provide me with billing statements about the service used which amounts to at least {$2200.00}, an amount over due unheard of for a residential customer. Moreover, I had asked for information on the reasons surrounding the longevity of this account and circumstances on how it was allowed to be on for so long and accumulate such a high balance with no disconnection notice. Finally Transworld claim to be a successor to XXXX XXXX in a nefarious attempt to shelter the utilities company to submit itself to a legitimate and rightful requests from myself to show me proof that it was a legitimate account established by myself or that I was the responsible person liable for the bills. I am hereby dispute the entire amount allegedly owed and demand that both XXXX XXXX and TSI, Transworld Systems cooperates in providing the information requested.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (SC)

I have just received a letter as of today XX/XX/2022 from XXXX XXXX. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX was sent to collections, I have been working with chase to pay this amount down. Nationwide credit has also not mailed me any documents for my right to dispute just a letter stating I owe money which is completely unfair. 
They have not sent any written contracts with my wet signature or a full disclosure.

This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2021-04-20
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. (GA)

I sent a letter to all three bureaus basically saying my new information is on this letter anything else on my report besides whats on the letter is incorrect. With that being said they reported back with the same information that I wanted deleted. Letters was sent out XX/XX/2021 which its late and no response from them. Got a letter from transunion XX/XX/2021 which is still inaccurate.
Consumer complaint received 2021-01-08
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. (FL)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

On XX/XX/2022, I purchased the item ( front door and the installation ) from Home Depot located in XXXX XXXX NC, store number XXXX XXXX  # XXXX. The total amount that appears on my XXXX credit card is {$1700.00}. The door was installed on XX/XX/2022 ( due to supply chain global issues ). However, the product installed is defective. The installer identified the defects of the product and documented them in the report that was sent to XXXX and its vendor XXXX. I have been in contact with the XXXX executive team as well as with customer service ( available in writing upon request ), however, there is no progress on the issue. I only have a contractual agreement with XXXX and with no other vendors XXXX  uses, therefore, my complaint is addressed to XXXX XXXXhe cold weather is approaching and I still have big air gaps through the door and door frame. I have pictures and videos proving my concerns. 
This issue classifies as a false advertisement.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

The debt was a storage unit that was abandoned, the contents of the unit were sold at auction and therefore the debt was paid by the money collected for the items sold. I was never provided with information on the sale of the contents, i.e. how much the items sold for. 
No one from the Aargon agency could provide me with the details on this, I requested a written accounting of the {$150.00} they claim is still owed and never received it.
Consumer complaint received 2019-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I feel like I am missing a lot of payments on my account. Particularly for XX/XX/XXXX and XX/XX/XXXX. I have been on the IBR repayment plan I believe since XX/XX/XXXX and because of low income during residency/family size my payments were $ XXXXmonth. I feel like my payments should be a lot closer to 70 payments and instead only showing approximately 20 payments. I know Navient is involved in multiple lawsuits alleging misallocation of payments and I feel like my account is on par with the same alleged complaints. I have also been put in forbearance in the history I have been with them due to them saying they never received paperwork for spouses history when I in fact did send it. Can someone address this please?