davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (AL)

The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Black Friday Furniture purchase. Apparently my billing cycle ended same day of purchase with payment due on the XXXX of the next month. I did not receive statement until after due date only to be charged card security, late fee and interest. Advertising on Black Friday sale states interest free on all purchases over XXXX. My ticket was XXXX. Creditor lowers credit limit resulting in being put over new credit limit. 

So just to recap, purchase, payment due, lowered credit limit and interest on advertised sale in 26 days. 

I submit complaint with them through email, they refund partially but still have fees due and minimum payment XXXX $ for the next month plus interest. I make a payment based on what I can afford and the charge more fees, interest etc.
Consumer complaint received 2022-01-29
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 (CA)

I requested a debit card from Paypal one and a half months ago, they sent it immediately but I never received it, have made them numerous calls but to no avail. Whenever I call Paypal I have to wait several minutes and they ask irrelevant several questions and have no answer to my problems. Plus they also do not have expedited or overnight shipping. I hope CFPB can resolve this issue.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have made several attempts to dispute the inaccurate inquiries reporting on my credit file. Equifax did not properly investigate those inquiries and they remain on my credit file.
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (MS)

On XXXX/XXXX/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 2022-01-29
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. (CA)

I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute I mailed in. I feel like that Equifax is purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (DC)

AceFlare  Account XXXX, Netspend closed my account at the beginning of XX/XX/2021. They closed it due to disputes from a company that I called numerous times to stop billing my account but they kept billing it. They closed my account without my foreknowledge when I went to use my card it was declined. I called them and they explained that my account was closed but would not elaborate. I assume it was for filing a dispute since there was absolutely no other reason for it. I was told they would mail me my available money in a few weeks. This is coming up on almost 2 months and I have not received my forms. This company is a deposit account and there is no way to call them if they close your account because you must put in a valid account number and if you do not have a valid current account you will not have the ability to speak to anyone. My checking account was XXXX and my savings was XXXX while that's not much it is still mine. They do not tell you they closed your account you will not find out until you try and use the card. I have had several bills unpaid because of this. ACE FLARE ACCOUNT by XXXX  I don't remember my account number and when they close the account all access to it ceases. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (GA)

I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. 
As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. 
Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. 
So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of XX/XX/XXXX?
Consumer complaint received 2022-01-29
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. (MD)

XX/XX/XXXX I disputed XXXX  account that I have no knowledge of. I also noticed the accounts were inaccurately reporting according to cdia metro 2 compliance data and the FCRA. Missing account numbers and failed the correct data requirements in order to report/furnish. Regulations Z states that data furnisher must contact you prior to reporting any information. The below companies did not do that because they are debt bulk buyers that did not verify nor validate these accounts before they furnished the information. Also, under the privacy act of 1974 and 15 usc 1681 I never gave permissible purpose, consent to furnish, transfer nor share my information. Who are the companies because I never done business with them. Contract law requirements are also violated. The time allotted to investigate the alleged debt is beyond and the inaccuracies remain. Please remove the incorrect information from my consumer report. They are beyond the investigation period and they are inaccurate. 
Did XXXX and XXXX  do their due diligence upon attempting to collect an alleged debt according to 15 usc 6802? Clearly and conspicuously disclosure to a consumer amongst other obligations? No they did not. Please delete
Consumer complaint received 2022-11-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

LOANDEPOT XX/XX/2022 I spoke with several agents to see if I could get a copy of my XXXX information on my home loan because I am considering transferring it over to a trust. Many agents did not know what that was but I did speak with someone who told me that it was on its way via mail, I never got it. 

XX/XX/2022 I reached out and asked them who was the servicer on the loan,, no one could answer this as well. 
Considering that no one has official made this a contract as I view my disclosure by me and my husband. Also after viewing what has been recorded only me and my are the only one who has signed the most of the doc.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I received a communication from Transworld systems inc. regarding a false debt that I never owed. There phone number is XXXX. There stating this is a debt due to XXXX XXXX XXXX XXXX XXXX which I lived at for over two years. If this debt was even valid at all. It would have been charged to my account accordingly and being that I was in no default at all to them this makes no sense.
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selip & Stylianou, LLP (NY)

Called me on XX/XX/22 at XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX XXXX. Called me on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX. There were more called but I am in the process of requesting call records from my credit card company. They only left XXXX voicemail on XX/XX/22 at XXXX.
Consumer complaint received 2016-11-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NV)

I did hold a credit card account with XXXX issued by Synchrony Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing zero balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since XX/XX/XXXX till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but Synchrony Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
Consumer complaint received 2022-11-20
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. (FL)

The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX  customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

i have a complain on here like 6 mths ago bout dis company XXXX credit card and they agree to move the late payment and close my acct remove on XXXX  credit bureau but still is on my XXXX  report
Consumer complaint received 2020-01-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

After filing complaints i would get email notices claiming that they were going to work with me and all i need was to provide proof of income for ninety days and it has to be enough to support the loan. I submitted information timely and they result is the same. I cant get in contact with mr coopers liaison specified on the paperwork. XXXX XXXX assistant vice president of loss mitigation assured me this would not happen because the reasons prior for the modification denials ( they lost paper work, wanted update award letter of food stamps even though the letter stated it was a SIX MONTH BENIFIT and the dedicated email address XXXX was not receiving ignoring or deleting vital emails??? ) was that i didnt have income and my income had definitely changed. The irony to all this isni went with this with another assitant vice president XXXX XXXX who had the same talking points. So we have a blatant pattern or manipulation and misinformation. My family had be hounded with threee to four phone calls a day and most times its AFTER i lve talked with a representative. I have no choice but to file chapter XXXX bankruptcy even though the VA assured me that Mr cooper would work with me and nothing has happened at all
Consumer complaint received 2022-10-02
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: SLM CORPORATION (FL)

For the past couple of months I have been on XXXXXXXX XXXX  unable to work undergoing financial hardship and I have expressed to Sallie Mae on multiple occasions about my situation. When I initially talked to Sallie Mae they did not disclose that my credit would be hit with these delinquencies and in many ways then one have ruined a lot of things for me. Back when I contacted Sallie Mae in the early months of this year I disclosed that I would be going on XXXXXXXX XXXX  and would not have any stream of income coming in for a while. They badgered me with the same questions trying to determine if I qualified for someone that couldn't afford to make payments. The only solution they gave me was 1 month of forbearance and i wouldn't get any other assistance until i paid 12 months worth of full billing payments. I found this to be unbelievable when I am initially contacting them because I was currently undergoing financial hardship. Every time I do get in contact with someone at Sallie Mae I feel as if I get trapped into a deeper hole that I did not sign up for. My credit along side my cosigner credit has been diminished all because Sallie Mae refuse to handle this situation with delicacy and care for the consumer that they are violating. According to 15 USC 6803 a ( 1 ), my nonpublic personal information furnished on my consumer report without my permission nor any full disclosure from the financial institution SALLIE MAE, is a violation. Sallie Mae has continuously harassed me and my aunt contacting us over XXXX times within one week. According to 15 USC communication in connection with debt collection, the company violated 15 USC 1692c ( A ) ( 1 ). A couple days ago I was harassed by Sallie Mae after business hours which business hours are from XXXX to XXXX and after the fact that they accepted to not contact me on this matter, which in turns violates my rights and code 15 USC 1692d ( 5 ). Due Sallie Mae violating my rights it voids out the contract at hand.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (FL)

Walmart and Sams cards are charging interest on entire balance even if had a balance of XXXX cents. The balance should be computed on the XXXX cents not the entire {$500.00} that is charging excessive interest. They are calculating the interest to make excessive profits I out over {$65.00} with this process. This needs to stop consumers pay too much interest already b
Consumer complaint received 2020-01-09
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)

My information has been compromised and I believe it is from the Equifax data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This account is not owed by me. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized activity must be removed and blocked from my credit report. This company is also violating the Texas XXXX XXXX XXXX XXXX ( f ) They are trying to make me pay a debt for the all apartments in one building and is also contacting me for this debt when i told them to stop. If this is not removed from all my credit bureaus I will be taking farther legal actions.
Consumer complaint received 2022-01-29
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. (OK)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX  you all are causing me. I've been in hospital twice XXXX  over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (NY)

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files - XXXX, XXXX and XXXX.
Consumer complaint received 2022-11-20
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Hi Sir, I paid for a product and did not receive it. 
I would like to report a suspected fraud seller called XXXX XXXX. 
I arranged the payment to the following Wellsfargo bank account. I do ask Wellsfargo to stop to receive the payment. I hope the bank can return me the money. I can provide any proof needed such conversation /emails records, receipts, the driving license they offered... etc Wellsfargo Name : XXXX XXXX XXXX XXXX : XXXX Rout num : XXXX XXXX XXXX : XXXX Home Address : XXXX XXXX XXXX XXXX XXXX. Utah XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, Utah. XXXX