davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MD)

This weekend, I learned that an account I had with Macy 's department store, financed by Citibank, was made an active collection account. This account was included in XXXX XXXX XXXX  almost three years ago. When I contacted the company to learn what happened, I was told I could only obtain information concerning the account if I could provide an account number/transaction amount/last payment amount.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

Mr Cooper a division of Nationstar mortgage is my lender. Recently I was placed on a forbearance program where for 6 months my mortgage payments will be deferred. It was made very clear to me in writing that after the six months, all payments become due and payable immediately. It is very clear that the payments will not be added to the end of the loan. This is very predatory, and will result in many defaults including mine. I can't believe this is legal, the way they are taking advantage of the Covid situation. Please help me. Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}. 

I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX. 

How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}. 

I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office. 


I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NJ)

ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX
Consumer complaint received 2023-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (PA)

I have contacted Discover XXXX XXXX several times throughout my time with them about payment plans, how my payments are getting applied, etc. They do recommend doing the payment into a forbearance program, but this would increase my rates and i would need to pay more in the long run, which I do not want to do. I applied to get my loans consolidated to lower my payments by a couple XXXX dollars. I currently am paying almost $ XXXX, and struggle to do so. I have XXXX children, rent, and babysitter that i have to also pay for. After applying and passing all the requirements except the debt-to-income ratio, I was denied. My credit score is excellent. So, I am currently back at where i started struggling to make ends meet. They made no efforts to help me during the COVID-19 pandemic either. I have only been late on my payments once in the last 4-5 years, and it was only by a week. I have tried to go to different companies to refinance my loans, but I get that discover is to difficult to work with because they are a private loan company. If Discover would have disclosed qualifying criteria and pre-qualifications, I would have never went through Discover XXXX XXXX.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I tried several times to get the issue resolved with this company. I am being billed for a service that does not belong to me and it is being reported on my credit. My son was an adult XXXX XXXX XXXX when he was seen there as a patient and I am not the insured on the health insurance. This company is refusing to correct the issue even though that are in violation.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I opened an account with Synchrony Bank for a Amazon Prime Store Card. I received the card and I for most of my account history have made my payments on time. This bank has a rewards program and from day one my rewards were never disbursed especially since all of my purchases were with Amazon. I also noticed that my balances after I made a payment would display in a negative status. I have called them on several occasions and they would tell me that their system has issues and to be patient it will clear up in a couple of days. My bank did not honor 2 payments to Synchrony, however on the 3rd payment it was honored. Once I found out, I immediately called Synchrony and explained what happened and setup payment right away. So now my card has been closed based on these two incidents and I did not receive a letter, I found out from a credit report alert that my score was decreased substantially. Then I called Synchrony and asked how to send payment to them, they said I could call in with my info or mail a check. I asked that I regain account access to pay the account off because I needed to make sure that they would not send my account to collection. It took 3 phone calls to get my account corrected. I have logged in and scheduled payment. I feel that I was not given any opportunity to make things right, the two incidents that occurred were unfortunate mishaps beyond my control and I made my best effort in resolving. All the payments I have made to this account were always above the minimal amount due, way about by hundreds of dollars. I know that my account was not serviced correctly and I did not receive the proper update for payments made nor did I receive the rewards that I was entitled to as a regular user of Amazon.
Consumer complaint received 2018-08-27
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: LEXISNEXIS (TN)

LexisNexis ( LN ) is reporting an incorrect Filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. LN is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11 U.S. C. 348 ( a ). The section 348 ( a ) concerns the effect from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing of the case or petition the commencement of the case and the order of relief.

XXXX v. XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date.

Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. LN reports Chapter XXXX original filing date as XX/XX/XXXX and case number XXXX.

2. LN reports that Chapter XXXX   original filing date is XX/XX/XXXX and case number XXXX 3. LN reports Chapter XXXX discharge date XX/XX/XXXX case number XXXX.

4. LN reports case ID for both Chapter XXXX and Chapter XXXX as XXXX.

5. I have enclosed documentation from XXXX that states that the filing date for ChapterXXXX petition is datedXX/XX/XXXX.

6. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX 7. I have enclose the Discharge of Debtor order dated XX/XX/XXXX.

8. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX   petition date XX/XX/XXXX. I am requesting that LN correct their records to reflect the law and communicate the information to all credit bureaus which solicit information from LN. I am requesting a corrected copy of my entire file.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-05-16
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)

The Following accounts where XXXX  deleted XXXX dba accounts number XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from equifax stating the all previously deleted where back on my credit report .. equifax also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX Transunion and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (IN)

CareCredit ( carecredit.com ) pulled a hard inquiry on my credit twice without my consent. At no point did I sign off or give consent to a hard pull on my credit, and at no point was I informed or asked for consent to a hard pull on my credit. When I said this to the customer service representative on the phone, he replied " You're right, I did not ask you if it was okay to have a hard pull on your credit ''.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have a had a credit card with Citi for quite some time ( around a year ) without issue. I recently opened a checking and savings account and connected it to my credit card, the idea being to have all of my money in the same place. 

I made two small deposits, around {$1000.00}, initially in order to set up my account. Seeing that these went through I then cashed a check from my job and also transferred {$10000.00} from my previous bank. 

At this point both my checking and saving 's accounts were blocked, I assume as they were flagged for fraud. I tried to get in contact with the fraud department, but was left on hold for 3 hours. This was early XXXX. I did not receive any contact from Citi during this time. 

Today, the XXXX of XXXX, I attempted to log in to see if my accounts had been cleared yet. I was unable to login at all. I made another call to the fraud department and was able to get through after an hour. I was informed that my account had been scheduled for closure and that this may take up to 60 days. I asked for more information, but was told that I just had to wait for a letter to arrive. 

The associate was unable to tell me when the letter was sent, when it was likely to arrive or any other information about my account. I asked to speak with a supervisor and was informed that none were available. The associate did not confirm my address.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

There was fraud on my checking account so I closed the account with the bank manager at my Wells Fargo branch on XX/XX/2022. At that point we opened a new account. On XX/XX/2022 the bank let a check for XXXX go through that was from the closed account and they took the money out of the new account. Wells Fargo has not refunded me the money even though they know it is fraud. I have been a customer for over 20 years and no know can give me an answer as to how this could happen when the account had a hard close on the account.
Consumer complaint received 2022-05-16
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. (IL)

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on EQ. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX  ) XX/XX/XXXX and XX/XX/XXXX 3.EQ reported 30 days late XX/XX/XXXX when the account was not. EQ also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( EQ ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

I paid off my loan the first of XX/XX/2020. After five different phone calls, I still dont have the lien release letter. All Reps to include a supervisor told me its not their fault and to just keep waiting. I havent moved, same address for XXXX + years. I was even told on the last call they would send it XXXX, that was around the XXXX XXXX  XXXX. I called today, XXXX XXXX and was told they cant give me the tracking number, to call back another time? Please take a moment to review their XXXX page, countless posts just like mine. They are horrible after you pay off your loan.
Consumer complaint received 2022-05-16
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX & EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2022-05-16
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-16
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 ()

I strongly believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelance work/business intermittently since XX/XX/2010. My paypal account : XXXX has stucked funds in it that I have to withdraw as soon as possible for emergency purposes. And I am hoping that I will get my account back and be able to withdraw my funds. Thank you and God bless you. 

For identity verification, I attached my Valid ID. Please see attachment.