davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WV)

1. In XXXX I missed one or two months of payments due to a medical condition that resulted in 2 hospitalizations. These missed payments have caused my score to be dragged down for years. 
2. XX/XX/XXXXXXXX told me to open more credit cards which I did and this dragged my score down. 
3. I paid off a new XXXX XXXX XXXX via XXXX XXXX and it is not on my record. I have contacted them and you and they do not respond. 
4. I own my home and paid off another. This is not reflected in my score and Im told nothing can be done about that. However, it is held against me b/c real estate is not in my credit report. 

FICO scores do not work unless you are upper middle class and above and have the time and money to dispute things. It is an inherently biased system that disadvantages people who are older, as well as other disenfranchised populations..
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal Message : Dom., XXXX XXXX XXXX. de XXXX XXXX XXXX ID number : XXXX XXXX to this problem, your account has been permanently limited. 
We know this situation must be frustrating and annoying, but you can continue consulting the history of your transactions for a limited time. 
You can get more details about the limitations of your account in the Resolution Center. For more information, contact us and we will everything you need to help you. 
You can withdraw the money from your account within 180 days. We will send you an email when available. We just want to make sure you have money in your account to cover any payment cancellations. 


XXXX ene. XXXX XXXX Your PayPal funds can now be withdrawn. 
To withdraw funds from your account, log in to PayPal. 
We remind you that access to your account will remain limited. 

While access to your account is limited, you can : * Add logos to your auction ads or your website. 
* Update your account information.

* Withdraw funds from your account.

Fine! 

Once this time has passed ... When connecting to my account some time later ... I find a surprise : PayPal - {$1.00} XXXX de XXXX de XXXX Transfer {$1100.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; XXXX XXXX a PayPal XXXX XXXX de la XXXX de XXXX XXXX ; PayPal 's damages caused by Acceptable Use Policy violation I have not violated any policy as they say here, when they blocked my account, there was another reason ... And now they kept all my balance! 


never says that I have violated any kind of policy, nothing at all, this is something that paypal did by force! and is ripping off all users!
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX a funding deposit was sent to Synchrony Bank for the Amazon Credit Builder store card. The secured credit card had a opening credit of {$200.00}. In XX/XX/XXXX the balance on the account was paid in full. On XX/XX/XXXX I filed for personal bankruptcy, which DID NOT include the Amazon Store card. 

In XX/XX/XXXX through to XX/XX/XXXX I had spoken with numerous customer service representatives that had assured me that my deposit was being mailed to me only to find out it was not. On XX/XX/XXXX I received a letter from XXXX XXXX on behalf of the CEO and Director of Synchrony Financial. In her letter it states their policy is to send these checks to the trustee. 

If the account is not part of a bankruptcy that is incorrect because now this account is marked as bankruptcy when it was a clear account that there was no delinquency. 

This is ethically and morally wrong, I am filing a complaint because this company did not abide by their own policy regarding secured funding deposits. This is what it states on the Amazon website regarding Amazon Credit Builder.

Security Deposit Refund If you close your account and have paid your balance in full, you will receive your security deposit back by mail. If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Learn more about upgrading to the Amazon Store Card.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I returned an item to XXXX. I have a receipt that shows the item was returned and I was give a credit for the return. The credit card company states I did not return the item and continues to charge me for monthly payments. I have called the bank and XXXX and have had no success in resolving the issue.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from XXXX  that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.

I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.

I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
Consumer complaint received 2019-05-17
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. (CA)

After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

This is an issue that I have with LoanCare and my mortgage escrow amount. 

I went from paying around {$1300.00} a month including property taxes to being charged over {$2100.00} because of the wrong amount being reported by the county I live in ( XXXX Co, SC ). This happened XX/XX/XXXX. I had the issue resolved with the county but since LoanCare had already payed the incorrect amount to the county for the XXXX tax year, I agreed to have a 36 month escrow spread with LoanCare and the county issued me a refund as well as a statement with the correct property tax amount on it. I forwarded this statement to LoanCare XX/XX/XXXX and was told that a reassessment for taxes would not take place until XX/XX/XXXX. I contacted LoanCare in the fall when I saw my mortgage amount did not change. I was then told that it would be assessed this Spring. It has now been a year of me overpaying and when I call I can not get through because of the current Covid situation. My account has also been deactivated on their website for no reason so I can not submit a complaint again. 

I understand that because of the escrow spread of 36 months that my amount per month would be higher, but I am currently paying {$1800.00} a month and that is still wrong. I can not get anyone to answer why this is still incorrect or when/if a real reassessment will take place. This has caused a financial burden on me for over a year and I can not continue to overpay. 

I am attaching the signed copy of the corrected property tax amount from XXXX County, an additional copy of taxes paid to XXXX County at the end of last year from LoanCare which is the correct amount ( so they are aware of what it actually is, they just haven't adjusted anything else ), as well as a screenshot of the incorrect amount the county charged for XXXX that was subsequently corrected.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX  XXXX Collection Account, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX XXXX  plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}.

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 XXXX XXXX, 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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (NE)

I find this very ridiculous that I don't have access to my own money because you guys wanted to put it in my mother name the prepaid MasterCard so I do not find it fair that I have no access to my own money please resolve this situation as soon as possible because I would love to have access to my own working hard money please and thank you also I do not want a payee either I would like to be my own payee because I'm also a human being who deserves her freedom as well and free speech of the United States of American. Also I believe everyone deserves to also have more freedom and also more money in their pockets as well I do not appreciate or find it fair that I'm struggling with my own money you guys are not being fair and you guys are giving me the end of the stick I prefer the the whole benefit not half of it thank you very much.
Consumer complaint received 2021-03-25
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: TRANSWORLD SYSTEMS INC (OH)

I requested validation from Transworld System Inc concerning and account on my credit report and they have failed to send me all the documentation I requested. I have uploaded the letter that I sent to Transworld System Inc. pertaining to this matter. I am a victim of identity theft and have been for some years. This account does not belong to me. I take pride in my credit and as a consumer this is utterly ridiculous that consumers end up being victims of identity theft. The burden is not on the consumer to prove its not theirs. Its on the collection agency that state they purchased the collection account. I requested numerous things for this collection agency to send me and they have not done so. If this is not rectified immediately I will be forced to seek legal representation.
Consumer complaint received 2022-12-16
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. (NJ)

i XXXX XXXX, natural person, i am disputing on my own with the help of no one In accordance with the Fair Credit Reporting act. The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2020 a charge called XXXX XXXX for XXXX posting on XX/XX/2020 was an XXXX  transaction where I bought a XXXX case and its fake - looks nothing like the pictures - its a pasted decal on a plastic case selling as some real designer case. XXXX closed the seller down and threw them off the site so I cant contact the seller where it states it was coming from CA - the item is fraudulent- the seller you cant get a hold of bc XXXX pulled them off for this and Im not paying this ... so either you credit me and take it up with them or Ill have my attorney write you personally. Your choice
Consumer complaint received 2020-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (PA)

Department of Navinet continues to report inaccurately. According to XXXX  Navient, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.
Consumer complaint received 2020-04-30
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. (GA)

Equifax, XXXX, and XXXX  are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (NV)

We have a mortgage that is serviced by Capital Mortgage Services of Texas. This is the second CFPB complaint that we have filed against this company. The first was settled after the CFPB interviend on our behalf approximately 4 years ago. We have had several problems with how the company has applied our payments over the past 4 years, but we have been able to resolve the problem with the company. However, we have an ongoing problem with the company that dates back to XX/XX/2019  when they changed our escrow payment requirement without notice and without providing us with an escrow analysis. Our tax and insurance escrow amount increased from {$100.00} to {$190.00} without any explanation. Capital Mortage has a history of appling PMI to our loan amount eventhough the loan was closed without PMI, we think the increased tax and escrow is due to this PMI. But we have not received a escrow analysis to be able to determine this.

After several months of email complaints Capital Morgage applied several credits to our account to correct the balance. Then in the very next month another incorrect escrow payment was added to our statements. I have been trying to reach the company by email, but I have not been able to get a response.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. 

I would appreciate any help that I can receive.
Consumer complaint received 2020-10-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strada Education Network, Inc. (MD)

Student Connections has sent me a third email on XX/XX/2020 with incorrect information about XXXX XXXX, despite requesting that they cease communication with me via my request for fair resolution via prior CFPB complaints. Once again, their email appears to list the correspondence address for XXXX XXXX and not XXXX XXXX. My loan is with the Department of Education, is in good standing, and is serviced by XXXX XXXX. I do not do any business with Student Connections to the best of my knowledge and they are not responsible for my loans. I complained about them previously sending incorrect information in CFPB complaints XXXX and XXXX, yet despite me bringing this to their attention via these complaints, no corrective action has been taken. They continue to mislead the individuals they send these emails to.
Consumer complaint received 2018-01-24
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: WELLS FARGO & COMPANY (AZ)

I have my banking with Wells Fargo and I was inquiring about a loan around XXXX XXXX 2018. Their website did n't ask me for my personal info such as my social security number or date of birth. Next thing I know they showed up as an inquiry on my credit report and has damaged my credit scores.
Consumer complaint received 2019-05-15
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)

I was hit by car drunk driver. XXXX bill not paid by XXXX. I found out when Equifax showed as collection a year later. I paid immediately and received letter from Collection Company that it was paid. I Called Equifax today. Letter not enough. Told me to contact collection agency. This charge should not have been a collection. Equifax only bureau to  report.