davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with DISCOVER CARD FINANCIAL. The line of credit I have with DISCOVER FINANCIAL is characterized as utilization on my consumer reports. DISCOVER FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : DISCOVER credit card, DISCOVER FINANCIAL is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( DISCOVER CARD FINANCIAL ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( DISCOVER FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! DISCOVER FINANCIAL HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to DISCOVER FINANCIAL expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX credit card was issued in XXXX of XXXX, closed in XXXX of XXXX Credit report is showing a balance due of {$730.00}. They have an incorrect street address listed for somewhere I have never lived. I have reported it as fraud to their department, but their investigation found no fraud. I have never had a XXXX XXXX Credit card or charged anything to their company. This fraudulent charge has been damaging my credit score for almost XXXX years now. I have disputed the charges through Experian and filed a fraud report with the FTC, Report Number XXXX. XXXX XXXXXXXX XXXX fraud department has failed to find any wrongdoing on their part, but they are unable to name anything that was actually purchased with the card or provide the address where the card was issued.
Consumer complaint received 2022-07-12
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. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/202XXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (NY)

Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.
Consumer complaint received 2022-09-27
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. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-14
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. (TX)

I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXX XXXX Inquiry date XX/XX/XXXX *Equifax XXXX XXXX XXXX date XX/XX/XXXX *Equifax XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  / Inquiry date XX/XX/XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX Report XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Report XXXX XXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX *Equifax Mortgage Ser / Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

To Whom It May Concern : I logged onto my credit card company 's website ( Barclay Arrival Card ) to make my regular payment on XX/XX/2020. It read that I did not have a payment due. I thought it was odd so I took a screenshot ( see attached ). I received an email just now ( XX/XX/2020 ) saying the payment was late. I logged on just now and the company assessed a {$37.00} late fee on XX/XX/2020, the same day I went on to pay it but did not even have the option to pay because it read that " A Payment was not due '' ( also see attached screenshot for today with a late fee added ). I actually was planning to make a payment anyway since I was on there and am working to pay it down. I did not even have the option to make a payment. And then seven days later they assessed a late fee. This is unacceptable and shady business practice ; one for which I can not be the only victim, I'm guessing. 

I have also attached the emails that I sent myself immediately with the two screenshots attached, one from XX/XX/2020 when it said a payment wasn't due and one from today, 7 days later, after notification came into my inbox saying payment was late and I learned the fee had been added. Please refer to the two attachments with the email date and time signature - that is, the PDF versions in landscape as the portrait PDFs did not capture the date and time I sent myself the emails with the screenshot attachments as evidence. Your remove attachment buttons are not working so I could not remove the other email attachments that do not capture the date and time signature for when I sent myself the emails. 

I'll be paying the full balance and terminating the credit card but I am sure I am not the only one to whom this has happed. Please address. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-09-14
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. (AL)

Hi I am submitting this XXXX 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 XXXX 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 us 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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We are currently a small business we currently have a mortgage with Wells Fargo bank for the past several years. Our interest rate is at XXXX We have been trying to refinance our home with XXXX XXXXd a broker for the past year, using several lenders but have been unsuccessful..due to our debt to income ratio. Our credit score for my husband and I are both in the XXXX 's we have been paying our mortgage weekly for years we have very little debt. We did not stop manking any payments during covid pandemic. All we are trying to do is lower our monthly payment and take advantage of the low intetrest rates. Thata it! Bu because we are a small business and on paper it shows our bebt to income does not qualify us. Its so frustrating to see all.these programs out there stating they can help us but when we try we get denied. Our home is worth XXXX and we only owe XXXX. XXXX did say they would help if we stopped making our payments and modified our loan which makes no sense to me. I don't want to default on my loan and will not. So they will only help if we stop paying. This make absolutely no sense. There has to be some sort of help out there.
Consumer complaint received 2022-09-27
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. (CT)

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy, 15usc 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 us 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 two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-11-21
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MT)

I have become XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran Amd unemployable. My rating is 80 %, but as stated above permanent and total which pays Amd qualifies me as 100 % because I am unemployable. My other private school loans honored this ( XXXX XXXX ) Amd discharged my loan. Aes told me to apply multiple times Amd denied as they said I was only 80 %. They should be following the same guidelines and they do discharge for XXXX XXXX XXXX XXXX XXXX veterans which I am. Then I applied per them multiple times for forbearance. First time they denied me as they said I did not check the correct boxes, but did as the rep told me. So then resubmitted and they said I was more than 69 days past due Amd would have to bring current to 60 days to be approved. If I wasnt struggling g financially why would I need a forbearance?
Consumer complaint received 2022-03-24
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)

Equifax has failed to remove account " XXXX XXXX '' from my credit report, even though i had provided proof that i am a victim of identity theft,. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

There was fraudulent activities on my account with small amounts of money being taken from my account that later turned into large amounts ( $ XXXX- {$20.00} turned into $ XXXX- {$500.00} ). I called their dispute line to bring it to their attention and they did absolutely nothing about it. Then, on XX/XX/XXXX of XX/XX/2020, Chime Bank closed my account without any direct or clear reason. I tried to get in contact with them through their support email and Chime ignored several of my attempts so I then proceeded to contact the attorney general office and file a claim. They continued to ignore me until I brought to their attention that I was opening a case with the attorney general. Then they proceeded to tell me that it would take 30 days not including a 14 day processing period to receive my funds. Ive yet to receive this check in the mail that they had promised me. This was the main bank I was using to get my direct deposits from work deposited into. I had a loan that was deposited into that account for over {$6000.00}. My rent ended up being late because they rejected my automatic withdrawal. Im behind on credit card bills, loan payments and wasnt able to renew my lease with my apartments due to this inconvenience. Im currently XXXX and living with a friend. This has given me XXXX and XXXX out of this world. Im at my wits end with this.
Consumer complaint received 2019-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/XXXX PennyMac assumed possession of my loan from our prior servicer. We had a large loss draft pending on the property and PennyMac has created an undue hardship on us due to their lack of transparency and unwillingness to help. Ever since they assumed possession of our loan, they have continued to claim that they do not have certain documents that they should have easily been provided by the prior servicer. It is not our responsibility to secure these documents for them as we did not choose to have a new servicer take over a loan with a large loss draft pending. 

I have called every 2 days since XX/XX/XXXX asking why I can not receive the final disbursement to settle this loss draft claim ( btw our house was completely lost in a house fire on XX/XX/XXXX ). Finally today, this company once again said they needed additional documents and I am baffled as to why they continue to play these games with the money sitting in our escrow account that is now past due to the homebuilder.
Consumer complaint received 2021-09-30
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. (PA)

On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I contacted Mr. Cooper to whom I have paid my mortgage on time for several years ( after they bought my loan from XXXX ). I have tried repeatedly to get information about refinancing my loan and I was told that because I live in a XXXX XXXX that the company does not refinance. They are not providing me with information on how to get refinancing. When I have called they put me in a loop phone call and I have yet to get any straight answers. Mr. Cooper is servicing my loan inappropriately in my belief. They are not being upfront and thwarting me from the ability to obtain refinancing, in a very difficult financial climate.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX I submitted a dispute for multiple fraudulent charges totaling over {$1600.00} and the case has been open ever since I was supposed to receive my provisional credit today, which yesterday was confirmed, and all of a sudden the bank decided to close the account without even calling or asking any questions and without even trying to verify my identity. I just received an email stating that my account was compromised and to give them a call so I did that. Whenever I called they kept hanging up on me and refused to let me speak to a supervisor. Then they proceeded to tell me the reason why was because they could not verify my identity mind you they never even tried to verify my identity and said that my account had suspicious activity even though this activity has been under investigation for the last 15 days.. so yes there was suspicious activity hence the dispute of charges. it's just kind of funny on the same day that I'm supposed to receive my credit they decided to close account instead and I might receive a check in 20 days. Seeing as they have closed my account I can not even access any of the documents