davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (OH)

i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. 
they are in fact not wanting to settle and then start repeating, offensively there demands. 
they are not open to any discussion but their stipulated terms.
Consumer complaint received 2022-08-11
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)

XXXX XXXX ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to Equifax and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.
Consumer complaint received 2021-07-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UHG, LLC (TN)

I received mail from XXXX XXXX XXXX saying I owed a alleged debt.. XXXX XXXXXXXX XXXX never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). XXXX XXXXXXXX XXXX never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). XXXX XXXXXXXX XXXX never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i XXXX XXXX is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )
Consumer complaint received 2021-07-30
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. (MI)

Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XXXX XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XXXX  XXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XXXX XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet XXXX XXXX continues to charge a high monthly interest rate on both charge card accounts.
Consumer complaint received 2021-07-30
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-14
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-14
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: OneMain Finance Corporation (DE)

ONEMAIN to illegally re-age an account. This could have been cleared up by investigating and keeping accurate records, evidently, not a priority. I never received proof of last payment or payment history, which would have clearly shown the illegal behavior. Your time to correct this account has ceased, REMOVE THIS ITEM IMMEDIATELY.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I placed a transfer/withdrawal requested for approx XXXX ETH ( XXXX USD ) from Coinbase Pro on XX/XX/XXXX at XXXX XXXX. 

The transfer has been in a status of " Pending '' ever since and has not been executed or canceled. 

I contacted Coinbase for resolution XX/XX/XXXX via their " contact me '' page but have only been addressed by automated responses. I replied with the requested information ( including details of the transaction & screenshots ) and still have not been contacted by a customer service rep. I requested this issue be escalated but have not been contacted. 

a total of 7 emails has been exchanged and Coinbase has not attempted to resolve the issue. 

XXXX XXXX
Consumer complaint received 2022-04-15
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. (AK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

About XXXX XXXX years ago I opened an account with qvc. About a month ago with no notice no validation no communications they shut down my account... .my purchases were paid by my personal credit card. When I questioned why I was shut down they qvc stated that I owe a balance of XXXX with synchrony bank from 2017 ... to contact the collection agency XXXX...... I contacted the collection agency and they no longer have this account. When I informed qvc of this they stated that I can no longer shop at qvc and that im barred and that synchrony has written off the account. Before the shut down on my account I was paying on my purchases ... as explained never got any validation of this XXXX debt with synchrony ... this is on my credit report and would like it to be removed it is a degrotory remark ... .because my account was shut down and still paying on purchases I can not access my account... I still owe around XXXX ... .because of not being notifies of the shut down on my account and I still liable for the remaining balance.
Consumer complaint received 2021-09-14
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: SYNCHRONY FINANCIAL (AZ)

I made a purchase on XXXX  marketplace XX/XX/24 for {$2000.00} and {$640.00} ... .I never got my order from the seller, paid with XXXX via XXXX XXXX I submitted all my documentation to the credit card company and they sided with XXXX  ... .saying I violated some term, which isn't the case... .the seller of the items who is a scammer is the one who violated the terms. I have buyer coverage and protection on my credit card and they are not honoring it.
Consumer complaint received 2022-04-25
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX  : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed Account : # 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.

15 U.S.C 1681 C, ( 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 1681 S-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 2021-07-30
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)

There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX
Consumer complaint received 2021-07-30
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. (NC)

Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

I fell behind on mortgage payments in XXXX for several reasons, the main being a hit and run car accident and XXXX. I contacted USBANK ( the mortgage holder ) to try and work out a plan to catch up with payments, and they put me on a plan that increased the monthly payments for 3 months to cover the months that I missed. This was a bad plan, as I did not have these larger payments in my budget, so I started spiraling in debt. I contacted XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), received counseling, and they got me set up to apply for the MD HAF program. I officially applied for MD HAF on XX/XX/XXXX, and I called US BANK to let them know. MD HAF officially accepted my application on XX/XX/XXXX. On XX/XX/XXXX, the MD HAF portal showed that my application was with underwriting and they had sent a request to USBANK for more information. I called USBANK to confirm that they were sending requested documents, however I was told that they ( USBANK ) had received communication from HAF and that they ( USBANK ) was proceeding with a foreclosure. I received an NOI in the mail. I contacted USBANK many more times between XX/XX/XXXX and XX/XX/XXXX - always the same conversation - Me telling them that MD HAF is in underwriting, and them telling me that my house is in foreclosure. They hired a foreclosure attorney. I spoke with a representative from HAF on XX/XX/XXXX, who told me they have sent document requests on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still have not received the requested documentation. USBANK is pushing through a foreclosure while I am trying to get housing assistance, and they are not complying with MD HAF requests.
Consumer complaint received 2021-07-30
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: CITIBANK, N.A. (CA)

I am having issues with Macy 's. I spoke with them on XX/XX/2021 and they inform me that they are no longer collecting on my account. If they arent collecting on this then I feel it should not be on report. I have trying disputing this too and they still will not do anything also this is over 7 years old. Can you explain to me why they are still reporting this? I hope you can help resolve this issues with and get this remove from my reports
Consumer complaint received 2019-09-19
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. (CA)

On XX/XX/2019 Equifax reported a hard credit inquiry on my report. I had just finished an employment background check from the XXXX XXXX XXXX Department [ XXXX XXXX in California. When I discovered this, I went to XXXX XXXX XXXX XXXX Department and spoke with the XXXX XXXX XXXX XXXX XXXX there who assured me that he communicated with Equifax to help satisfactorily handle this matter. Regardless, Equifax as of today XXXX is still listing a hard inquiry from XXXX XXXX XXXX Department. My claim or customer # with Equifax regarding this matter is : Case # XXXX Credit File # XXXX XXXX  last followed-up with Equifax on XX/XX/2019 to no avail. They simply refuse to delete /remove the inquiry even when requested to do so by XXXX XXXX What are my options, should I hire an attorney to make them comply with the law and stop reporting erroneous information.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NC)

I received a Barclay 's credit card as part of an online promotion. I never used the card but a fraudulent charge appeared on the account. I contacted Barclay 's fraud service who assured me the charge was removed and no late fees would be associated with the fraudulent charge. two months later i started getting emails and calls from Barclay 's telling me my account was past due and threatening my credit. I once again contacted customer service at Barclay 's and after numerous transfers and agents was told that two late fees associated with the fraudulent charge had been removed and the charge itself was returned already. Now, three months later I am getting more calls and emails complaining about the account being in arrears. I contacted customer service who claims to not know why additional late charges and the fraud charge are back on the account. I was told three months ago that the account had been closed but apparently they could not accomplish that either.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank, has placed late fees on every month even if I pay a day before. Their excuse is that they need the payment 5 days before is due. That is not what the contract says. Now they are trying to collect money on an account and won't send me proof of the account. They are affecting my credit and won't provide validation.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, TransUnion & XXXX  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

I ordered my credit report through XXXX XXXX XXXX back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX   doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report?
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

I am receiving repetitious phone calls. Usually about XXXX XXXX that are intended to annoy, abuse, or harass me or any person answering the phone. There is usually no one on the end when I do answer. When I am not home a long off the hook type of sound is left on my answering machine each time.
Consumer complaint received 2021-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is refusing to allow me to come out of forbearance and resume making payments. My mortgage was current when I went into forbearance ( never paid late ). My first request to come out of forbearance was on XX/XX/2021 and the associate at Wells Fargo told me I was being taken out of forbearance and would receive a letter within 14 days. She said I would have 30-90 days to choose a program option for dealing with the amount of money that is owed due to forbebearance. I did not receive a letter and have since called back numerous times and each time I get a difference answer depending on who we talk with. I was told today by Wells Fargo that the FHA has placed all forbearances on hold and I can not come out of forbearance and resume making payments until the FHA releases the hold. I can find no such evidence of the FHA putting forbearances on hold on the FHA website. I am getting nowhere with Wells Fargo on this matter and feel that Wells Fargo is holding me hostage at this point.
Consumer complaint received 2021-07-30
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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.