davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC (TX)

My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early XX/XX/2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report. 

Account information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2019-04-17
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: Experian Information Solutions Inc. (TX)

Experian .XXXX .XXXX is reporting false information on my credit report and is refusing to provide me verification of accounts from XXXX XXXX I have attempted several times to get proof from Experian but all they tell me its verified but my question is how its been verified with what paper work
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (VA)

I have been trying to contact Ally Bank for days and can not get any customer service. Since Ally is an online bank, there are no branches to visit, so this is an urgent problem. 

I have tried calling Ally, but no matter what time of day I call, the hold times are over an hour with no option to get a callback. Nobody can be expected to wait on hold for that long. 

I have tried sending Secure Messages in the Ally app, but nobody has responded. I have sent XXXX messages since XX/XX/XXXX with no response. 

All I need is someone to help get a check deposited. The check has been wrongly rejected twice and needs manual intervention. I can't wait forever to get these funds.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (OH)

I have received several mailing notifications that started in XX/XX/2022 welcoming me to my new bank account with both XXXX XXXX XXXX  and Key Bank. I have also received debit cards to access the accounts. I did not sign up for either bank and I never gave these banking institutions my permission for an account to be opened in my name. I called Key Bank in the middle of XXXX and asked for information about who and how the account was opened. I was advised that the account was opened fraudulently and that it had been frozen due to suspicious activity. They explained someone tried to transfer {$2000.00} into the account. I was told I would need to come down to the bank to close the account. I have not yet been able to get to the bank to do this due to personal matters however I wanted to report the issue.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (TX)

On XX/XX/2022, Sallie Mae Bank reported 2 of my accounts as 60 days delinquent, thus creating a derogatory remark on my credit report. However, on XX/XX/2022, both accounts were made current prior to the 60 day late mark of XX/XX/XXXX. I have payment confirmation for both accounts proving the validity of accounts being current at that time. I have reached out to Sallie Mae Credit Reporting branch directly via mail and disputed twice on XXXX Dispute Center to get these remarks taken off. Sallie Mae is not approving the dispute and I am very frustrated with their practice in this matter.
Consumer complaint received 2022-08-13
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage is serviced by LOANCARE, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

Payments has never been late. The payments are made automatically by my bank each month. In XXXX XXXX the regular payment was made in the amount of {$950.00} PRIOR to the due date of XXXX XXXX. The payment was made Electronically and debited my account. I received a pst due email notice from LoanCare on XX/XX/XXXX. I contacted LoanCare. They indicated was never received. My bank informed me it was sent and received. Called back LoanCare. LoanCare asked for specific information, and copy of the transaction information. ALL was sent on or about XX/XX/XXXX. Then, I followed up next day but they said is not sufficient. I immediately made an extra payment to allow me time to follow up. I sent more information later with a letter from bank. Few days later, LoanCare said the letter was not sufficient! I followed with my bank, which sent ANOTHER letter directly to LoanCare on XX/XX/XXXX, based on LoanCare direct request. I sent a copy of this letter to LoanCare as well on XX/XX/XXXX! LoanCare has the necessary information to track my payment- all!! however, LoanCare is yet to apply my payment. The company is earning interest on my money, small might be..it is MY MONEY! imagine doing the same to XXXX... then you have good amount setting somewhere earning interest for someone!!
Consumer complaint received 2022-03-24
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. (CA)

EQUIFAX has continued to verify the Allegacy FCU account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

I made some purchases at Walmart using my Walmart MasterCard and a promotion was applied to them for what I thought was deferred interest. I made a payment on XX/XX/XXXX and requested via chat on the website for the payment to be applied to three of those purchases. The payment is still not showing as applied to those purchases. I have done this frequently in the past and it has never taken this long for the payments to apply. 

I contacted customer service a few minutes ago and asked to speak with a XXXX about the delay. They are now stating that there are two types of promotions : deferred interest and no interest - and that payments can not be allocated toward 'no interest ' promotions. I was not made aware of this prior to putting the purchases on promotion and certainly would not have done so had I been aware. 

There is a printable certificate for special financing on their website - it does not make a distinction about two types of promotions and states that payments may be applied to these purchases. A copy of this certificate has been uploaded, along with a copy of my promotional purchases.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX  WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX : I deposited a settlement check from a Lawyers IOLTA account for {$83000.00} and received notice that there would be a hold on the deposit XX/XX/XXXX : Contacted Chase 's Operating Loss Prevention team to work to get the hold removed. Team was able to verify with sending bank, but unable to find a " verified number '' for the lawyers office in their system. Team member confirmed that they could see the law office online, but could ONLY call numbers that show up in their system. 

XX/XX/XXXX : I offered to provide filed court documents that were signed by the lawyer, and includes the check amount. And also pointed out that Chase had already processed a check from the same law office on XX/XX/XXXX. I was told that the only way they can remove the hold is if they can contact the maker via a " verified number '' from their system. 

XX/XX/XXXX : I submitted a secure message in the banking portal that explains the problem and includes the court filed documents I mentioned above. 

XX/XX/XXXX : I received the following response : " Please be advised that because of the Covid-19 pandemic, your hold time may be longer than usual. Currently, we are receiving a heavier call volume being managed by a skeletal workforce. We kindly ask for your patience and understanding. '' XX/XX/XXXX : XXXX business days have passed and none of the deposited funds have been made available to me. I am wasting money living in a hotel when there are some very easy, and common sense, ways the " risk '' they mention can be mitigated and the hold can be removed. 

Citing a " skeletal workforce '' for such an important part of their business is just poor management in my opinion. While the hold expires the XXXX, the fact that none of the funds have been made available to me when I have had an account in good standing for over a decade, and they have already verified the funds cleared the host bank, is unacceptable.
Consumer complaint received 2022-08-12
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. (NY)

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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-04-17
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. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX ****XXXX not mine XXXX   XXXX ****XXXX not mine XXXX XXXX ****XXXX {$1100.00} not mine XXXX ****XXXX {$600.00} not mine ****XXXX  {$150.00} not mine XXXX ****XXXX {$430.00} not mine
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Albert Corporation (GA)

Hello, I am reaching out to CFPB due to the fact that my current bank ALBERT BANK a product of XXXX XXXX refuses to help me with fraudulent transactions on my account, in spite of the fact I have submitted evidence of these unauthorized transactions on my account. There are over XXXX back to back transactions bearing the name XXXX totally {$130.00}. They are each either for XXXX, XXXX, or XXXX. The bank claims they did an investigation but this is false because how can you tell me I authorized charges that I never did? My card was fraudulently used. The bank has no phone number to reach a representative, they send emails and it takes days to get a response. They closed my claim without considering the evidence for trying to resolve my situation when money was fraudulent stolen out of my account in the form of XXXX + random small transactions that all look similar, a clear indication of fraud.PLEASE HELP!!
Consumer complaint received 2022-08-12
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. (TX)

On XX/XX/XXXX I called Equifax and wanted to discuss my credit report and the erroneous accounts. They rushed me off the phone and told me to contact you so I am wring you now.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XX/XX/2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I have my card for 6 months and already have 3 late fees First they nevet sent me an statement and I was late the first payment they charged me XXXX dls Second I was clear that my payments were the XXXX of the month, they said is the XXXX now I have 2 more late fees or XXXX dls because I paid the XXXX I ask them please to enrolled me in automatic payments so I dont miss payments they said they dont have that service I ask them I was late only for one day based in miscommunication and they say is not a company concern Im broke I work 2 jobs and my late fees are already XXXX dls and my payment is XXXX Im paying more in interest than to my bill Please help me, the company is inflexible
Consumer complaint received 2022-08-08
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. (CA)

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports