davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (GA)

This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!
Consumer complaint received 2020-07-25
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: Global Lending Services LLC (SC)

On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.
Consumer complaint received 2021-07-16
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)

Please see attached letter to Equifax. Also, the companies that are erroneously reporting are not listed in the inquiry list, nor in the creditor 's contact information at the bottom of my reports. This is further proof that these accounts are NOT mine, and appear to be those of " XXXX XXXX ''.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have two Capitol One credit cards. During the mandatory shutdown of my state, I took advantage of deferring payments from several companies with no problems. 
One of my cards from Capitol One I had no issues with and resumed payments as instructed. I did this also with the other one based on the information the representative on the phone gave me. Capitol One reported a late payment during this deferment they offered. I have an exceptional on time payment history with this company. This affected my credit. I sent copies of my statements as well as my credit report to the address they instructed me to and have had no response. 
They are taking advantage during a crisis and it's unacceptable. 
I would like them to remove the late payment reporting on all three credit reports.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I am still having trouble with Selene Finance correcting my mortgage account. They are showing a past due/late fees charge on my statement dated XX/XX/19. I called on XX/XX/19 and spoke with XXXX and he assured me my account was being updated and corrected. When I received my most recent statement, it's still showing these charges so I called Selene again today ( XX/XX/19 ) and spoke with XXXX ( XXXX ). She was very rude, said a supervisor was not available and I could call back. I told her I had left messages before for a supervisor to call me back and I have never received a return call. I asked her to fix this on my account and she said she was just the call center and for me to have a good day and hung up on me!! Any request I have sent to their customer service department in writing has not been answered. I have only received responses from my complaints filed with CFPB.
Consumer complaint received 2020-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

This event has happened approximately 8-10 times. When I make a principal payment mid-month, they charge me interest and escrow. I have to call them back and have someone fix it, and sometimes it takes several calls. We have only had the loan for a year.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (NC)

I logged into my BarclayCard American Airline Advantage card yesterday ( XX/XX/XXXX ) and saw that I was 30 days + past due, was reported 30 days late to the credit reporting agencies, assessed 2 months of late fees and I never received notification about this from any communication method. I immediately scheduled a payment online to bring my account up to date and set up auto pay, which I had turned on before, but apparently they must have turned off. I routinely pay this account 1-2 times a month, about $ XXXX each billing cycle. It seems odd and deceptive, and abusive, that the credit card company did not contact me. I have never been reported late on any account in my 23+ year history and fear I, like many Americans, have been unfairly discriminated against and taken advantage to support this type of corporate greed. I have sent a letter to the Billing Disputes department ( XX/XX/XXXX ) and plan to also send to the customer complaints department and office of the CEO. As a result of this action by Barclay, a credit card account I had with XXXX  XXXX XXXX for 23+ years was just closed on XX/XX/XXXX. In a time where Americans need financial assistance due to one of the most challenging economic recessions and pandemic we have experienced in US history. I am seeking your help as an American and a Consumer that is asking for our government to protect my rights and not be a victim of corporate greed.
Consumer complaint received 2020-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (FL)

Today XX/XX/2020. I checked my FICO report and wanted to know why my score dropped dramatically this year. Then I saw from three reports that I owed {$170.00} to the company called " RASH CURTIS AND ASSOCIATES '' ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I checked with the original creditor " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) and they said there was no balance that I need to pay. So I'm confused by why " RASH CURTIS AND ASSOCIATES '' still has me on their collection list and that significantly affected my FICO score.
Consumer complaint received 2021-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, I have not received any investigation results.
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

In XX/XX/2020, WellsFargo bank approved my request to suspend mortgage payment for 3 months due to COVID-19 hardship at no interest and no credit missing payment report. My principal balance then was {$290000.00} and continued to the same until XX/XX/2020. 

On XX/XX/2020, I submitted a request to continue payment starting XX/XX/2020, and defer the missed 3 payment until the end of the mortgage period, again no interest. I had no reply to that request. 

On XX/XX/2020, I paid {$2100.00} for the XXXX payment on time. 

On XX/XX/2020, and after I continued to pay, I found an amount of {$5400.00} added under a category named " Unpaid Secondary Principal Balance '', and my total mortgage principal balance has gone up to {$300000.00} from {$290000.00} at payment suspension. 

I called the bank on XX/XX/2020, to ask why my principal balance increased. They said it was to compensate for the missed payments! I told them that didn't make any sense, they insisted that the amount was added to compensate for the missed payments. I asked to file a complaint and escalate the issue, they told me I will get a reply within 24 hours and I haven't got any reply yet. 

On XX/XX/2020, I called again and no one answered. 

I am attaching the loan statement sent to me by the bank on XX/XX/2020, highlighting the added amount. 

Now not only I have to pay my missed payments, but I have to pay {$5400.00} on top of that!!
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (MN)

So tell me this since you receive the last dispute via US mail with photo ID and current copy of utility bill and you still state that you didnt believe me that was me sending in the dispute what makes To believe that this time it is me if I send them again? But I tell you what you going to do is when you respond to this complaint via the CFPB you might as well send Security questions thats on the credit report and only XXXX  would know in this response and thats how you and I are going to conduct business or else you are going to confess to failure to conduct a proper investigation their is already CFPB complaint that you have lied claiming I needed to send in Government issued ID along with a utility bill or whatever I got XXXX and at this point you might as well say that you were compelled you to conduct a proper investigation is what its going to be but again during your response here is what I want you to do is send a list of security questions that only guy in you will know about in the credit file case closed bogus stall tactic that youre using
Consumer complaint received 2020-07-26
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: AMERICAN EXPRESS COMPANY (AZ)

I made a reservation for a property rental in Washington DC on XX/XX/2020 to attend my daughter 's XXXX XXXX  ceremony from XXXX in XXXX. I used XXXX. The company that manages the property I was to stay at is XXXX XXXX. Per XXXX  policy the reservation could be cancelled through XX/XX/2020 with no fees incurred. I attempted to cancel via XXXX but their app/site was non-responsive and provided error messages. This was right when the president 's pandemic shut down went into effect. I called the property and advised I was cancelling. They delayed returning my call and when they did the individual said he was going to email me a form to sign authorizing a charge of a 'reduced rate ' of {$1200.00}. I told him I had cancelled via XXXX per terms. XXXX will not answer their phone and I have tried connecting them several times. This charge is fraudulent as I did cancel by the required date to avoid any fees. XXXX XXXX, the merchant sent me via email a credit card authorization form which I did NOT sign nor return. This is fraud. They send AMEX copies of online email forms where THEY, XXXX XXXX, keyed their own terms into a XXXX reply. Why would XXXX XXXX generate an email with an 'chard card authorization form ' - which I DID NOT SIGN nor return to them? They KNOW they do not have my authorization for the charge. It is fraud. I expect American Express to reverse this charge.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXX XXXX CA XXXX, listed on both XXXX  and TransUnion
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-07-26
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-11-06
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: SYNCHRONY FINANCIAL (OK)

A few years ago I became aware none of the XXXX major credit reporting companies show my XXXX XXXX XXXX/Phillips 66 XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this XXXX credit card account since the XXXX 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that Synchrony Bank is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC (CA)

MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Consumer complaint received 2020-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-07-25
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. (NJ)

I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from experian as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from XXXX as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.
Consumer complaint received 2020-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

On XX/XX/2016, I signed a lease for an apartment, which included a {$170.00} bond agreement in lieu of a security deposit, which was paid to XXXX that same day by cashiers check. 

From XX/XX/2016 through XX/XX/2016, I was receiving monthly bills form XXXX demanding an additional {$1000.00}, despite my signed agreement stating that the total premium was to XXXX {$170.00}. I spoke with my landlord about thjis, and I was told to ignore the bills. 

I was recently informed that the {$1000.00} debt is showing up on my credit report, and I requested a validation of the debt from Fair Collections and Outsourcing, the company reporting the alleged debt. The black-and-white copy of the contract they sent back has significant alterations compared to the original that is still in my possession. Specifically, my original copy, which is signed in blue ink, shows that the total premium due was " XXXX ''. However, the low-quality black-and-white copy the debt collector sent back shows a total premium due of " {$1.00} XXXX ''. The bond coverage amount is adjust as well. Instead of reading " XXXX '', it now reads " {$1.00} XXXX ''. 

The omission/inclusion of the dollar signs and spaces in the above quoted numbers are not random, they are an exact reflection of the differences between my original contract and the copy provided by Fair Collections and Outsourcing.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-26
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. (NY)

I contacted Equifax 3x about updating my XXXX  XXXX XXXX XXXX account and My XXXX XXXX Loan That Was Filed In My Chapter XXXX Bankruptcy And They Are Still Showing These Accounts As Open And Delinquent Which Im Currently Trying To Have Them Fix The Issue For the 3rd time. Ive Reached Out To XXXX And They Too Are Refusing To Update Information as well as most of my accounts which were never delinquent before my bankruptcy and after I filed they put all my accounts derogatory over the credit limit and delinquent which is fraud and abusing misinformation on my credit report