davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A. (CA)

Wife took out a loan from Citybank for XXXX, For our sonXX/XX/XXXX,XX/XX/XXXX We has to file bankruptcy due to the economy.We made payments when we could.Around XX/XX/XXXXCity bank sold our loan to XXXX.Which would not work with us, We now owe twice the amount due to interest.I believe When my wife took out the loan it should have been a private loan.I believe this is not fair to owe twice the amount from the original loan amount, And no one will listen.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with Hunter Warfield Inc. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank ( SYNCB/PPC ) sold an invalid debt to XXXX XXXX XXXX and now XXXX XXXX XXXX is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already 120 days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to SYNVB/PPC requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from SYNCB/PPC. I challenged the information directly with the credit reporting agencies and after their investigations, all 3 deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by XXXX XXXX XXXX. I received a notice dated XX/XX/XXXX from XXXX XXXX XXXX that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with XXXX XXXX XXXX thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both SYNCB/PPC and XXXX XXXX XXXX.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PAYPAL STOLE MY MONEY! 
I did create a paypal fundraiser XXXX XXXX XXXXXXXX after having received many donations paypal all the sudden limited access to my account permanently saying the transactions are a risk and that my funds will be available in 180 days. now 180 days later they did withdraw the money to themselves! THEY STOLE ALL MY MONEY! THEY DID NOT EVEN SEND AN EMAIL ABOUT IT! THEY JUST TOOK IT! 
ALL DONATIONS THAT I HAD RECEIVED THE JUST STOLE THEM!
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MI)

My phone was stolen and when I got it back I went to log into my account at crypto.com and it said my account had been terminated due to breach of contract but yet I have not done anything at all and turns out there is not even a single person to speak to about it they keep transferring me to Visa and Visa keeps transferring me back to them they just closed my account and took my {$1500.00} and now they are saying that they didnt take it theyre just closing my account and theres no way for me to get my money back I asked for proof of whatever I did for them to cancel my account and they said that they do not need to show me that I am a XXXX  XXXX XXXX  with XXXX  XXXX XXXX XXXX and that is my rent money please help me
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (TX)

When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because Navient did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the Navient Advocate and was offered a letter of good standing but not something that will remove the marks from my credit history.
Consumer complaint received 2021-08-11
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-07
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. (FL)

To whom may be concern, I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (GA)

U.S. Bank is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with XXXX XXXX XXXX ( Now U.S. Bank ). XXXX had been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, they have taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

The issue at hand is the re-evaluation process for credit limits with Citi Bank Credit cards. 

in general this complaint is to address the unfair practice of report pulling to reduce credit limits.

This practice creates a cyclic problem for consumers due to the following : Card 1 : had a XXXX limit in XXXX of XXXX Card 1 : was reduced to XXXX in XXXX of XXXX, just XXXX dollars over balance. 

this drastic reduction significantly raised utilization and inversely decreased credit score for having over 95 % utilization, thus raising risk factorization. 

Card 2 : had a XXXX limit in XXXX of XXXX Card 2 : had a XXXX limit in XXXX of XXXX,, about XXXX dollars above balance. 
Card 2 : had a XXXX limit in XXXX of XXXX, about 200 dollars above balance. 

Requested the balances be reinstated by citi bank, citi bank responded with calling XXXX  credit reporting. 
Also, using the automated " increase request '' was denied, system stated balances can only be increased every 6 months. 

This predatory practice of lowers limits just above balances is damaging to consumers because there is no control metrics to in place that protect the consumer. Credit score Hemorrhaging affects not just credit cards, but housing and employment opportunities as well. 

example of existing issue : Citi see a score change, Citi reduce limits Citi increase utilization to almost maxed out, score decrease significantly Citi see dramatic score change, Citi reduce limit threshold just above balance again. 
again, score lowers, and the cycle continues.
Consumer complaint received 2018-11-16
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. (FL)

On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, Equifax, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX are still showing all of the accounts on my report and none deleted. XXXX  mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

My account was involved in a credit breached, and I was not notified!! They had mad XXXX charges on my account! I asked them why they did not reach out to me? They claim they could not reach out to every customer! And it was my Citi bank card! They charged a total of {$29.00}, XXXX times!
Consumer complaint received 2021-08-12
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: Better Mortgage, Inc. (NC)

this is my 2nd complain to same matter. my previous complain number XXXX where Better mortgage accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and better mortgage is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or better mortgage should give me loan immediately as both are responsible for my credit mess and better mortgage accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how XXXX  report shows late payment. who is lying XXXX  or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO either XXXX  is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX better mortgage. I am attaching XXXX XXXX  loan XXXX email copy where XXXX XXXX is declining loan. whoe 's fault it is. Better mortgage has accepted fault but XXXX XXXX kept on lying and declining my loan
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified account and past 30day no response : XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Consumer complaint received 2019-08-22
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. (SC)

XXXXXXXX XXXX XXXX was placed on my credit file it was never validated also they put my dispute statement as my personal statements so everyone can view it. The original creditor ( XXXX XXXX XXXX XXXX knows I was living with someone at that address they need to validated it XXXX of 2016 shows this is not my debt it belongs to someone else
Consumer complaint received 2022-08-22
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. (CA)

Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

I paid off my school loans XXXX of balance {$9700.00}. 

I called requesting a refund with the new laws on XX/XX/2022. Since the I have called on XX/XX/2022 and XX/XX/2022 asking for a note confirming my request and getting an update on when Ill get my refund to be able to qualify for the federal student loan forgiveness. 

This is unacceptable to hold my funds for this long as a refund unless they are going to pay interest on it.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo sent me an email back on XX/XX/XXXX stating that I had a bonus offer of {$150.00}. I called the XXXX number as to how to redeem this {$150.00} Bonus Offer and was advised that it could be redeemed on XX/XX/XXXX by going into the branch. 

However, I just called today, XX/XX/XXXX, and was advised that I did not make the guideline because I only spent {$470.00} in the first three months. I spoke with a manager also today. I told him to pull the tapes of the phone conversations as to the Wells Fargo employees verifying that I was entitled to {$150.00} bonus on XX/XX/XXXX. I actually spent {$1500.00} in the first three months of receiving the credit card. What a rip off. If I was not entitled back in XX/XX/XXXX, why not state it at that time? Today, XX/XX/XXXX, also,  one phone rep stated that the bonus will go directly into my account within 7 days. That is when I requested to speak to a manager.
Consumer complaint received 2018-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I tried numerous times to find a way to lower my payment working as a non XXXX XXXX XXXX. This company only gave me the option of forbearance. My loan ballooned. I took out XXXX and ended up with a Student loans over 65K in 8 years!!!! I couldn't file bankruptcy, or lower payments from what they called acceptable monthly payments of " XXXX ''!!!!
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/XXXX, I wrote a letter to Transworld Systems Inc asking them to validate an account they were reporting on my credit. I had disputed this account with the credit bureaus before, and they sent me some verification. The verification they sent me, very clearly violates the rights granted to me under HIPPA. THEY SENT ME PRIVATE MEDICAL BILLING INFORMATION THROUGH THE MAIL. I want this company to be very aware that what they did was wrong. WHAT IF MY NEIGHBOR SAW THAT! THAT IS HUMILIATING! PLEASE HELP ME!
Consumer complaint received 2018-03-09
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. (SC)

On XX/XX/XXXX my dispute was received by Equifax. I disputed a collection that was placed on my credit report by XXXX XXXX XXXX. I also sent the company a validation letter. I pay for a credit monitoring service which alerted me on XX/XX/XXXX that the account was removed. On XXXX XXXX I received a new alert that the account was placed back on my credit report. I never received anything from Equifax stating that they were placing the account back on my report. I received paperwork in the mail from XXXX XXXX XXXX stating they were providing me with validation. XXXX XXXX XXXX  provided an an alleged contract they say was from XXXX XXXX. XXXX XXXX XXXX  provided their account number which is XXXX. Then they provided an account number which they alledge is from XXXX XXXX XXXX. The contract which they alledge is from XXXX XXXX has an account number of XXXX. The original account number from XXXX XXXX XXXX and the account number on the contract they sent me do not match! The alleged contract also does not have my signature. I am including the letter sent to me from XXXX XXXX XXXX and a contract they claim is from the original creditor. 
The information is inaccurate and the company clearly is not able to validate this account according to the FDCRA. This account was removed from my report and placed back on without the 3 day notification and without being properly verified.
Consumer complaint received 2018-11-17
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: SUNTRUST BANKS, INC. (GA)

XXXX has been non-compliant with removing the unverified account SUNTRUST XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SUNTRUST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.