davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I have a Direct Express Card I used the card to send my daughter money and then I took the money back off the card so it would have left me a balance of XXXX on there'sthen i heard XXXX missing off of the card. I called at that point to find out where the {$56.00} went they told me that I'd have to wait that it was still pending that have to wait 5 days. On XXXX 2020 I called to let them know that money was missing and asked where the money was in what company it was they told me something FL XXXX I don't know that company I didn't use the card my husband never used the card my kids are XXXX and XXXX they don't use my card the lady told me that she could tell that it was fraud based on looking at it and that there were three other ones and gave me three other dates that money was missing off the card is well their own company told me that it was fraud to begin with on the XXXX when I talked to her she told me that it was fraud and all I had to do is fill out a form in the money would be credited that was the phone call I filled out the form I sent it in now they're denying me telling me that it's from being online and it's a recurring online fee and I asked them where and they gave me letters it's not even a company it's a bunch of letters I asked where it was being used what those places are they told me they don't know they can't give me that information how can you not give me the information to where you sent my my card my money I went and talked to a supervisor after supervisor first they told me they couldn't even connect me with the people that look into it and then the next person said over why don't we connect you to the people that investigated it and they still don't know and still gave me yzq are whatever a bunch of letters okay and told me that it was from online I don't use my stuff and when I do use it for online I know where it's being spent when I use it online I use it for stuff like my Internet bill which is {$10.00} a month I use it for my electric I didn't use it for electric this month so where did this {$230.00} go they can't tell me all they can tell me is it comes off reoccurring and I even went and got a new card and now I'm going to make a police report.. I look up the places online and they're different domain sites so now they're telling me I'm paying online to own domains I'm an at home mom that does nothing I'm very sick I do nothing I don't own any domain I wouldn't even know how to get a domain I can't even get my keyboard to unstick on my computer my space key don't work and I couldn't even tell you how to undo my space kitty make it work. Totally switching to a different card as soon as I can had it not been so close to the beginning of this month I'd be switching it already I can't wait for my money to load to a new card or else I'd be kicked out of my house
Consumer complaint received 2017-08-23
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. (TX)

XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.
Consumer complaint received 2017-08-23
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. (MA)

XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via Equifax twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from Equifax that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I have been a customer with SteinMart for several years. Recently, they issued a new " card '' which I did not realize had a different account number that my old account. I have financial software that I use to pay bills through my bank. When receiving bills in the mail, I have dutifully sent payment in full for each statement - unfortunately, to the old account number. The account is managed by XXXX XXXX in Georgia. When I began receiving threatening phone calls from people said to represent XXXX XXXX, I began to look into the problem and realized that the payments I had been making were not to the account number on the card. I provided documentation to XXXX XXXX that the debt was, in fact, paid. Just this week I received a check in the mail for over {$970.00} from them and a statement saying that there was a XXXX balance on the account. Nonetheless, the phone calls keep coming and today, I was threatened with being reported unless I provided {$25.00} by XX/XX/XXXX. I explained the above to the person on the phone ( receiving a check - which I have not yet cashed - and a statement showing XXXX balance ) but was told that did n't matter. I needed to come up with {$25.00} or else. I can easily afford to send them {$25.00}, but I feel like there is no coordination between the " debt collectors '' and others at XXXX XXXX who agree with me that I have paid my debt.
Consumer complaint received 2020-04-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2017-08-23
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)

The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp (NC)

I am receiving numerous calls every day attempting to collect a debt, leaving messages on the answering machine that are overheard by my roommate. After leaving such a message on the answering machine XX/XX/XXXX at XXXX XXXX EST the collection rep then contacted my youngest sister on her cell phone, on XX/XX/XXXX at XXXX XXXX EST " and inquired about a possible new contact phone number if she could have said contact number ( request was denied ) then inquired of my employment status asking for the company name and telephone number ( was told that I did not work, the representative responded negatively with a XXXX XXXX ). In fact I have been receiving Social Security  XXXX since XX/XX/XXXX. According to The Federal Fair Debt Collection Practices Act, " collectors may not tell another person, other than your attorney or spouse, about your debt. '' This Collection Company maliciously and with disrequard violated my consumer rights by discussing my debt with a third party.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (WA)

XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. 
no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. 
XXXX was charged to me in interest by XXXX XXXX  as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. 


I have copies of all the paperwork with me
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have  denied me ). My FICO score is over 800.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc (NY)

Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely
Consumer complaint received 2021-04-22
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. (MD)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (SC)

My XXXX Store Card Issued By XXXX XXXX Was Covered With Card Security Debt Cancellation. I suffered first from the loss of my own business in XX/XX/XXXX I  then returned to another job part time. Making much less money than before. I struggled to keep up with my payments but continued making them on time. My job eventually led to unemployment through no fault of my own on XX/XX/XXXX. When these events started my account was covered in full by Card Security Debt Cancellation. The written Contract shows that In the event of SELF EMPLOYMENT LOSS. MINIMUM PAYMENT DUE WILL BE MADE WHILE REDUCTION IN HOUR OR LOSS OF SELF EMPLOYMENT CONTINUES UP TO A MAXIMUM OF SIX MONTHS. NEXT EVENT JOB LOSS : After your job loss minimum payment on the first statement after the first day of job loss will be cancelled After 90 days in a row of job loss, you BALANCE IS CANCELLED ( PAID ) will not exceed the amount you owed on the first day of your job loss, up to {$10000.00}
Consumer complaint received 2021-04-22
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 (OH)

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON AND WILL NOT HELP ME WITH GETTING IT BACK UP AND GOING. 

PAYPAL ASK ME FOR VERIFY MY IDENTY AND AFTER I SENT ALL DOCUMENT THE SYSTEM CLOSE MY ACCOUNT AUTOMATIC I UPLOAD THOSE DOCUMENT. 

I CONSIDER PAYPAL IS NOT DOING HER JOB FOR HELP CUSTOMER TO RESOLVE THE PROBLEMS. 

NOW THEY DIDNT TAKE MY CALL S, THEY NOT REPOND MESSAGE. 

i never had any problems with my account. 
i just add money for buy online but the company just locked without any reason. 

my email is XXXX. 
THE REFERENCE CASE IS XXXX THIS COMPANY IS SCAMMER. 
that why i file this complaint.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NC)

In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (MO)

First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks
Consumer complaint received 2017-07-25
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. (MD)

Contacted Equifax, XXXX and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.
Consumer complaint received 2017-07-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (MN)

I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.
Consumer complaint received 2021-04-22
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. (IL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MA)

Stay away from Synchrony Bank and its affiliates. 

This bank uses unfair and deceitful practice in its dealing with credit holders. They start by offering customers credit cards through local retailers such as XXXX XXXX. Once you make charges on your card, they adjust your credit line to much your balance. This action makes your credit usage to be at 100 %. As a result your credit score drops and they later can charge you higher interest rate on the existing balance using " Information received from Credit Bureau '' as a pretext to increase interest rate. Thus putting you in more debt and ruin your credit worthiness for their gain. This is a fraud that needs to be investigated. 

I highly recommend that people and businesses stay away from Synchrony bank.