davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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. (NC)

Experian says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
XXXX XXXX is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (LA)

We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX  that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX  was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH SPECIALIZED LOAN SERVICES ... I HAD NOT. I CALLED SPECIALIZED AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH SPECIALIZED AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Consumer complaint received 2022-09-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (NE)

In XXXX I was trying to use the ECSI app to pay my loan and it stopped working. There was an error every time I tried to submit my payment. I tried to call ECSI and they told me that my information ( that I was reading off of the billing statement ) couldn't be verified. This continued to happen and I gave up. My last payment was XX/XX/XXXX. 

The last statement ECSI sent me was XX/XX/XXXX. I received no communication about it going into collections or communication from a collection agency. 

I was applying for financial aid for grad school this year ( XXXX ) on XX/XX/XXXX. I noticed I had 3 loans in default. There was no information on the website about who held my loan- only that it had been sent to collections On XX/XX/XXXX I submitted a ticket asking for the number of the collections agency. I never heard back from them- I waited for an email saying that my ticket had been resolved and never received one. 

I checked back into the ECSI website on the XXXX and noticed a number had finally appeared. I opened the chat to ask a few questions to a representative. The rep told me that the loan didn't go into collections until early XXXX ( remember I noticed my loan being in collections on the XXXX. ) and they had updated information on the XXXX about the collections agency. 

I called the agency, XXXX and XXXX, and they said they had just received it and my file hadn't fully uploaded it.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.
Consumer complaint received 2020-07-07
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-04
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 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-06-29
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. (NJ)

I have documented all previous disputes and correspondence for the past year of the reporting of several accounts on my credit reports. The latest was a notification ( attached ) to the CRA s of pending litigation if they continue to violate my rights. Equifax has responded ( attached ) and stated that these accounts in question are not being reported on my credit report without sending me an updated credit report that reflects these statements, therefore I ordered a copy of my credit report ( attached ) that clearly shows the items being reported and highlights their violation and false claim.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian is still saying the amount was written off, when I paid the amount off in XXXX XXXX paid off XXXX, XXXX {$420.00} and the say it was written off.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc. (NC)

Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXXXXXX  who's struggling to take care of himself personally. I'm also a XXXX who has to apply for FAFSA which is financial aid to help the student afford college. Being that I'm a XXXX XXXX  I don't receive XXXX XXXX to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

XXXXXXXX XXXX - late payment on XXXX XXXX XXXX  30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

I was on a payment plan with commenity bank which for no reason removed me from the plan where i was making minimum payments up until XXXX and began harassing calls. I get about XXXX calls daily as early as XXXX until XXXX and theyve been calling friends and unknown individuals with the same last name that i do not know trying to reach me and disclosing information about a debt owed to them in collections and leaving their numbers and well as voicemails with numerous individuals to contact them regarding a balance and debt
Consumer complaint received 2023-07-27
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. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (NY)

I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (FL)

Logged into my account I have had for years ( since 2017 ) asking me to " validate my business ''. I have provided the information to them via the app, I have called " customer service '' countless times only to be hung up on by agents that do not fluently speak or understand English, and I have even reached out to their social media direct messaging with NO RESOLVE. This company lacks common sense. Any XXXX can XXXX  my business name and see we have a website. Or go to the XXXX XXXX XXXX site and do a simple search to validate the business. What makes matters worse, I have explained I have an existing loan with them and they can easily validate the same in their system. So someone please explain to me how you can not validate my account but I have an existing loan with you UNDER THE SAME BUSINESS. Consumers are so sick and tired of having to beg and plead for simple common sense to be used, all because companies want to outsource to XXXX XXXX XXXX call centers that are of no real use. This is ridiculous and rather annoying that I have spent hours trying to resolve something that is so trivial. Their XXXX  option for support is useless. When you call they are useless saying they will open a ticket but no one follows up.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. also states I have the right to privacy. 

Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX, Account name : XXXX acct # XXXX Account name : XXXX XXXX  acct # XXXX Account XXXX XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name XXXX XXXX XXXX XXXX  acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject Follow-up on Capital One Account and CFPB Case I recently spoke with Account Supervisor XXXX ( XXXXXXXX XXXX XXXX  XXXX ) about ongoing issues with my Capital One account ending in XXXX. While XXXX attempted to direct me to the appropriate department, I experienced multiple transfers, and unfortunately, the representative I spoke with at XXXX was unable to resolve my concerns. 

Capital One Case Number XXXX CFPB Case Number : XXXX I am attaching a document recently sent to me via XXXX and am re-attaching the opt-in document related to my initial complaint. 

Please review these documents and provide an update on my case status. I look forward to a prompt resolution. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted XXXX fraudulent inquiries.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (FL)

After transferring my loan, XXXX ) my new mortgage company ( CrossCountry MorgageXXXX XXXX XXXX CCM ) claims payments were late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

* I emailed proof ( payment confirmations for every month since XX/XX/XXXX ) from my bank, confirm that this is false. 

2 ) CCM added escrow after transfer, without cause * Even though I pay my own insurance & taxes ( both currently paid ) XXXX ) on XXXX I requested escrow to be removed ( XXXX ago ), I notified CCM that I had escrow removed with my previous mortgage company and didn't want to add it. 

* CCM continues to increase supposed escrow payment requirements & thus total monthly payment requirement and * CCM ignores all evidence that I paid in full to justify an escrow account be maintained.

* I've been in contact with numerous CCM representatives, including but not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is dropping my credit limit to 15-30 dollars above my balance. They say based on derogatory items and the amount I have paid my mortgage down is the reason.

The same public record that was on my file when they approved my is still thee. That did not stop the bank from approving my for several cards. My mortgage is paid on time every month. So are my credit cards. I pay the minimum amount I am billed. Some time more, but never less. This is for my mortgage and credit cards. Now they want to use that to drop my limit and now negatively impact me as it is making my debt ratio sky high. If I choose to pay the minimum, that is my choice. Do not take action that will in turn have unfair consequences on my down the road with other creditors. I pay on time every month.
Consumer complaint received 2020-12-03
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, JPMCB BUSINESS BANKING  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.