davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Accurate Background (WI)

I am unable to obtain a background report from Accurate, a background investigation provider. 

I have looked at https : //www.accurate.comXXXX and the rest of the website but am unable to determine how to request my report under FCRA.
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment Bureau has reported a {$680.00} debt on my credit report that I do not owe to them.

I have never had any business dealings with Mercantile Adjustment Bureau. 

I have never purchased any goods or service, whether on cash or credit from Merchantile Adjustment Bureau.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

XXXX wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX  removed these charges and sent me a letter stating that they were removing the delinquency. 
XXXX failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!
Consumer complaint received 2022-09-03
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. (SC)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} Account Information Address XXXX XXXX  XXXX XXXX  XXXX XXXX, SD XXXX Phone XXXX XXXX ) XXXX
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (VA)

I received a bill for a credit card I do not have. My address was written wrong and I am being charged {$33.00} from Comenity - XXXX XXXX XXXXXXXX. I've never heard of them before. I XXXX them online, they seem to be legitimate but they got one star reviews for fraudulent and it seems they make their money from interest. I am assuming these reports are from people who have the card at hand. I don't have anything to prove that I opened an account with Comenity.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Credit Karma (NY)

Credit Karma has been making unsolicited inquiries into my credit account every 3 days since XXXX - XXXX and ongoing. I did not apply for credit from anyone and only used Credit Karma years ago and that was paid off in full, at least five years ago.
Consumer complaint received 2021-06-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

Due to my wife being unemployed from COVID we had to go on forbearance with our mortgage. Having a USDA loan part of my understanding was that at the end I would have the option to extend my mortgage by the missed payments with deferment. 

Now that my wife is employed and we want to bring our mortgage current and continue making payments Wells Fargo is telling me no deferment is not an option. 

From the most recent forbearance approval letter I have a page that specifically says since my account was current as of XX/XX/2020 deferment may be an option that is offered for my loan. 

So far everyone I have talked to has told me that no that is a generic letter stating if your loan was current it may be an option. My letter does not say if my loan was current, my letter states since my loan was current it is an option. 

Wells Fargo is continually trying to push me to a loan modification instead, to change my terms and payment amount. I do not need to change my terms or payment amount.
Consumer complaint received 2020-07-29
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. (NV)

I tried to contact all 3 credit bureaus on XXXX   XXXX   of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Consumer complaint received 2020-03-20
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: CITIBANK, N.A. (MI)

You will see the Fraud Verification Unit of Best Buy has not responded back within the 30 days required under the FCRA/FDCPA, providing me with 1 ) the original signed consumer contract 2 ) video/phone surveillance proving ME to have a line of credit/usage. 

" Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the ORIGINAL signed contract-any and all accounts you post on a credit report. '' On XX/XX/XXXX I sent off a certified letter, demanding VERIFIABLE PROOF. They received my letter XX/XX/2020 at XXXX XXXX  They did not respond back to my letter with any proof. They sent another generated letter dated XX/XX/2020-STILL WITH MY NAME WRONG. 

My letter is clear. They are to cease and desist all calls and correspond with me by USPS mail. 

Without the ORIGINAL, PHYSICALLY SIGNED -- no online application -- this account is not mine and because they have not done as I have requested, entitled to under Federal Law, I demand the account be removed from all bureaus immediately AND all collections stopped.
Consumer complaint received 2021-06-01
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: Nelnet, Inc. (MD)

XXXX has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Consumer complaint received 2021-06-01
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: CITIBANK, N.A. (NY)

In XXXX Macys XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Consumer complaint received 2021-06-01
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. (LA)

OnXX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I closed this credit card account and they continued to charge me a maintenance fee, which lead to a late fee, and a missed payment on my credit report. I knew nothing about it until I get an alert on my credit report that I hav a missed payment. So now my credit dropped XXXX points and my 100 % on time payments have been compromised.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Citi Bank refunded my last payment in the amount of {$500.00} last Friday. It has been 7 days and I have not had the refund post to my bank account. I was told it would take 3-5 business days. It is clear that Citi is holding my money out of retaliation for no reason.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (SC)

Disputed Amount : {$150.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX I purchased 2 plane tickets from interjet to celebrate my honeymoon in XXXX in XX/XX/XXXX. Due to the covid-19 pandemic, we were forced to indefinitely postpone our honeymoon plans, and we contacted XXXX at this time to inquire about their refund/cancellation policy. 
XXXX was unable to refund us the money, so they proceeded to give us a voucher number to be used no later than XX/XX/XXXX. No written communication was ever made by XXXX regarding the voucher. They only provided a voucher number over the phone to be used at the time of rescheduling a future flight. We now just found out that XXXX XXXX has filed for bankruptcy and suspended operations indefinitely. We paid for a service we did not receive, as we never got the opportunity to use our vouchers. We have attempted to contact XXXX XXXX multiple times, but the phone number is disconnected leaving us no way to get our money back. Also, their website is currently down and not operational.
Consumer complaint received 2022-09-24
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. (NY)

I had a case XXXX ( that was just closed with CFPB ) to address inaccurate information on my credit report. The issue was resolved with XXXX but not with XXXX or Equifax. The information was coming from XXXX XXXX XXXX. I provided proof that I had paid the lease in full and was being wrongly identified as having terminated my lease early. I paid the lease off and turned the vehicle in because NY state was shutting down all businesses due to the pandemic. I had called XXXX and was told that I could 1 ) keep the vehicle until the business reopened and continue to make lease payments or 2 ) return the vehicle as long as the lease was paid in full. I chose to return the vehicle, paid the lease off in full, and avoid continued payments for an unknown length of time. I have attached paperwork showing that XXXX recognizes that my lease was paid in full. I also attached my response to the only letter I received from XXXX in XX/XX/XXXX. I had to write to XXXX as I could not get the issue resolved by phone. XXXX has not responded to any of my letters. If I call XXXX, I am transferred and eventually hung up on. I have not been able to resolve this issue with XXXX. I did provide all of my evidence that this early termination charge is inaccurate to all three credit bureaus, and XXXX has removed it. XXXX removed a completely paid off and in good status XXXX XXXX XXXX account from XXXX but left the XXXX account from XXXX that I was disputing on my report. I have no idea why. I have tried to contact XXXX to clarify and am not able to resolve the issue or get a rational answer explaining why this happened. I am awaiting results from the dispute I filled with Equifax. I am attaching documents verifying this information. Please note that my name was XXXX XXXX at the time of this lease and is now XXXX XXXX
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Dear Sir / Madam, I initially learnt about a Cryptocurrency called XXXX XXXX XXXX XXXX XXXX I may have purchased approx. XXXX XXXX or more through XXXX, It showed that the number of my coins increased in amount to XXXX, when I continued to make purchases it showed a different XXXX with number of coins at XXXX, the total value keeps fluctuating based on the value of the coins at currently shows approx. XXXX but when i try to exchange or swap the coins for USD it only shows/allow to me to exchange XXXX, worth approx XXXX currently, I want to be able to withdraw the entire value of my portfolio and earnings otherwise I believe this is a pure scam on a legit company like Coinbase to allow these coins to be stored on their XXXX. Please help urgently and advise before my money completely disappears. Thank you and Sincerely.
Consumer complaint received 2022-08-08
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. (IL)

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-17
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. (MN)

I am a consumer who was affected by the recent Equifax XXXX XXXX ( computer coding error ) which changed and miscalculated my Equifax credit score between XX/XX/XXXX and XX/XX/XXXX. Before the Equifax computer glitch my Equifax credit score was XXXX, but now my credit score is XXXX because of the Equifax computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my Equifax credit report due to the the Equifax computer coding error : XXXX XXXX, Balance : {$330.00}, XXXX XXXX XXXX XXXX, Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY CHAPTER XXXXDISCHARGED U.S. BANKRUPTCY COURT XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (TX)

we previously filed a complaint about this and the company responded that there were no payment accounts added and no payment attempts had been made, this however is blatantly FALSE! 
The attached screenshots of our prospers account CLEARLY show that there are 2 PAYMENT ACCOUNTS currently added to this account, both checking accounts were added when we registered for online access back in XXXX! 
The screenshots further show the error message we receive when trying to make a payment, this error has been persistent since may, we have send a total of XXXX emails to the customer service in this regard and never received a answer!

As far as the claim of the company concerns that no payment attempt has been made we have a RECORDED conversation with the customer service department of prosper marketplace in which the agent CONFIRMS that she could see a total of 3 failed payment attempts!

It is correct that i did not give bank account information over the phone, first of there are already 2 bank accounts added to the account for payment and customer service should be able to initiate a payment over the phone using this information, i have several credit cards from other issuing banks and with every single one i can call in and make a payment over the phone WITHOUT having to give my account information! 
Prosper further claims that they requested further information from me in response to the XXXX Claim however this is also a lie as i never received any follow up from prosper after a confirmation email was received on XX/XX/22 stating that due to a high volume of messages a response would be delayed! 
At this point it is questionable to me whether prosper is a legitimate business or a predatory lender using questionable business tactics to cash in on people with less than perfect credit, the events and untrue responses to the previous complaint surely seem to suggest so. 
I have also conducted further research into this and it seems there are quite a few other customers out there with similar problems
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

I received an email on XX/XX/XXXX that a dispute on Paypal had went in my favor after the dispute had gone on for more than 2 months and clearing up a debt that they had sent to collections because I refused to pay knowing that I was wrongfully disputed. In that email, Paypal charged a {$15.00} fee. I went to pay the fee ; however, they will not allow me to pay the fee with a bank account or credit card due to the account being limited from the dispute even though I was not in the wrong. Despite not being able to use their services, I have tried to contact customer support during business hours to at the very least get the fee paid and resolved to avoid such a small fee going to collections. Every time I try to contact their customer service team, I get the following message, " All our agents are currently offline. Please try again during business hours. '' It is currently XXXX XXXX EST and I have just received this same error message. I will attach a screenshot to verify this issue.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (LA)

Upon reviewing my credit file Ive noticed a company Byl collection service also known as Byl Svc has been reporting to my credit file. Ive never done business with this company nor have they ever contacted me to prove this alleged debt. This account is fraudulent. Please remove from my credit file.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (MD)

Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!