davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

I applied for and received two lines of credit from PayPal Credit, one on XX/XX/XXXX for {$470.00} promised at 0 % interest if paid off within six months, and one on XX/XX/XXXX at 0 % for 24 months of equal payments of {$57.00}. When I attempt to make a payment to PayPal Credit their system decides for me how to allocate payments and does not allow me to choose either myself or even by speaking to a customer service agent, and their system chooses to allocate payments in a way that is detrimental to me. 

For example on the billing closing date of XX/XX/XXXX I had a balance of {$710.00} on the 24 month loan and {$310.00} on the 6 month loan. I made a payment of {$150.00} on XX/XX/XXXX. Their system chose to allocate {$76.00} to the 24 month loan leaving me at {$640.00} and {$73.00} to the 6 month loan leaving me at {$240.00}. 

The only reasonable way to allocate the payments for the terms specified above would have been {$57.00} ( the minimum ) to the 24 month loan and the balance to the six. I can not do this myself, and after talking to their customer service they can not do it either. 

A further problem with this situation is I can determine no pattern whatsoever to the allocation logic, NOR CAN THEIR CUSTOMER SERVICE AGENTS. This means NO ONE can tell me how how much to pay to lower the balance on the 6 month loan to XXXX before the promotional period expires and I am subject to interest payments AND I am forced to pay more than the 24 payment minimum promotion offered on the other loan. 

I have already attempted to resolve this with paypal over at least 4 separate phone calls to no avail. 

Please help
Consumer complaint received 2020-11-25
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)

In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a XXXX XXXX XXXX credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, XXXX XXXX XXXX showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

XXXX XXXX XXXX then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with Equifax, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.
Consumer complaint received 2019-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I received a bill from XXXX XXXX XXXX dated XX/XX/2019to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with Citibank. A couple of years ago I received a fraudulent call from someone claiming to call from Citibank for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PR)

On XX/XX/2020 I disputed an amount of {$3000.00} with Wells Fargo. I claim the transaction was double they credited my account and today XX/XX/2020 they posted the amount again and over draft my account. 
It took the 2 months to get a transaction back to my account. I usually fill my disputes on line. They take about 2 months to credit my account to credit accounts when you have any item dispute with them.
Consumer complaint received 2022-01-06
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 ()

It was last XXXX when they told me that they my paypal account is temporarily limited and yes i provided information and documents and they said i need to put a newly issued TIN ID or a postal id. and i did i submitted yesterday and my account was permanently limited and they said theyll gon na hold it until 180 days and thats too much for me.
Consumer complaint received 2020-07-23
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. (VA)

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ) stating that I owe PayPal {$480.00}. As of today I have a XXXX balance in my PayPal account. I called XXXX to discuss the letter but my call was dropped before I could speak with a representative. I called PayPal and informed them of the letter and PayPal is investigating after confirming I owe PayPal no money.
Consumer complaint received 2021-02-25
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. (AL)

I recently sent XXXX and equifax several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX and equifax asking them to take it off my credit report. XXXX took XXXX off with no problem but equifax and XXXX will not take that corrupt overcharging company off my report.
Consumer complaint received 2020-11-25
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. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-12-10
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. (CA)

Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MI)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I am trying to set up with my Investment Banking to have my spare change when I use my debit card but to my investment account but my bank has blocked anyone and everyone from using this Investment Company it is not their decision it is my decision rather I want to invest with them or not
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (MD)

I have taken a personal loan, from XXXX XXXX, on XXXX amount I have taken, is {$6000.00}. 
I continued to make monthly payments, {$250.00}, as agreed, until XX/XX/XXXX. I was unemployed ( Terminated by Employer ) since XX/XX/XXXX, and unable to make payments as agreed and continued to pay half of agreed monthly amount, {$120.00} until XX/XX/XXXX. The Creditor, has not deducted the payments, which I made from XX/XX/XXXX to XX/XX/XXXX. The Credit balance {$4800.00} has brought forward from XX/XX/XXXX to XX/XX/XXXX, without deductions and the Account has Charged Off on XX/XX/XXXX, with a balance of {$4800.00}. 
The original Creditor, had sold the account to Oliphant Financial LLC, and received the confirmation Letter dated,XXXX. 
Then I received a letter from the new Creditor, Oliphant Financial LLC, on XX/XX/XXXX, with an increased balance of {$5000.00}. There was no reason for increased amount. 
I have informed the Oliphant Financial LLC, about my Financial hardship, as a result of my 30 % XXXXXXXX, my old age of XXXX years, and unemployment situation.
Consumer complaint received 2019-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient manages several private loans of mine. But they don't allow for an easy transparent way to determine the monthly payments cost. The site is very confusing. Also, I have separate loans with different cosigners and I should be able to send in payments and pay extra amounts on each load easily and they are do not process my payments accordingly. I want to be able to see my monthly payments and be able to send payments to each specific loan, not a bulk payment to all loans. I should have complete control over how payments are applied.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

In XX/XX/XXXX, I filed a dispute through XXXX  to have a collection account removed as it was being reported inaccurately by Enhanced Recovery Company ( ERC ). In my dispute, I noted the account they are trying to collect money on does not belong to me ; I requested they submit a validation that the debt is owed by me. After 30 days, ERC did not validate and the collection was removed from XXXX. 
This morning, XX/XX/2020 I received notice that a collection was placed on my XXXX  credit report. The collection agency is ERC who is attempting to collect the same debt that was previously disputed and removed.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (FL)

I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.
Consumer complaint received 2020-05-28
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)

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Consumer complaint received 2021-05-21
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-01
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: SUNTRUST BANKS, INC. (FL)

it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with Navient in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a critical care nurse fighting covid and had not been home in months. I contacted Naviant and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that Naviant insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Consumer complaint received 2021-02-25
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. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED IMMEDIATELY.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (SC)

I have an AAdvantage credit card with citibank. They offered XXXX American airline points bonus after I spent {$3000.00} ( I do not remember exactly the number, but either {$2500.00} or {$3000.00} in the first three months of account opening ). I have spent {$5000.00} on this citi card. I just chatted with a citibank representative, on XX/XX/2019, and was told that I am not eligible for the bonus as I had this type of credit card in the past. Since I applied and was approved for the new card, citibank never told me this information. If am not eligible for the bonus, which is the main reason I applied for the card, I should be notified in writing. And I never received a letter indicating that I am not eligible for the point bonus.
Consumer complaint received 2021-02-25
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. (TX)

remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below XXXX XXXX
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!
Consumer complaint received 2021-01-23
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. (IL)

This is my final request to remove account which never belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please remove account as soon as you can.