davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

I received a notification from XXXX that my account was delinquent in XX/XX/2023. I called XXXX and discovered that the CometyCapital/DELL reported a 30 days late payment. 

I then reached our to ComenityCapital/DELL. They confirmed that they didn't receive my monthly payment for 2 months that was why it was reported. I instantly said that wasn't possible because I had auto pay setup on the account for over 2 years and I have never missed any payments. 

They later confirmed DELL switched payment and Marchant system which removed all the previous autopay that customers had previously set with the old system ( DELL Financial Services ). However, I wasn't notified. I never received any mail or email or call or text or any form of notification. They said letter was sent out but I never received it. 

The delay of the said payment was as a result of the change they made and not my fault. I can prove that as at the date of original autopay I had set up my autopsy I had enough money to take care of all auto payments., My records is a prove to that. I have never missed a payment. 

This is an example of unfair Act of Practice that has caused me substantial injury. I just lost the ability to put in an offer for a home because my Leander couldn't continue to pursue my loan with the Low Credit score report that this situation has caused.
Consumer complaint received 2020-08-11
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX   XXXX
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (CA)

I have a report on my credit regarding a debt in the amount of {$4300.00} from XXXX at XXXX, address XXXX XXXX XXXX, XXXX, TX XXXX. The debt is now with rent  recovery solutions, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. Phone number XXXX. I have attempted to reach out to the original creditor asking for detail statement of charges which they refuse to send. They are collecting on a debt that is invalid due to the balance. They can not prove the validity of the balance. I spoke with rent recovery solutions and my collector handling my file admitted herself that the balance was wrong and the apartments refuse to send an item my statement to them as well. The collector handling my file also claimed the property was trying to charge for not providing a notice to vacate the property, I, in fact, did submit an email stating my intent to vacate the property per management at XXXX XXXX 's request. I have the original email which I sent to the property on XX/XX/XXXX at XXXX. I sent a copy of the email via usps mail to the collection agency as proof of submittal. I attempted to reach out to both the collections agency and creditor as far as correcting the balance. The property has never responded acknowledging any email sent. The balance the complex is trying to collect on is entirely invalid. The first balance the apartment complex claims was in the amount of {$900.00}. The next amount that the complex try to collect on was {$1000.00}, I have attached a copy of the letter sent. The next balance the apartment complex try to collect on is now the {$4300.00}. The amounts are continually changing which makes it difficult to find out what the true balance is, if any.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (LA)

on XX/XX/2023. I booked a flight with XXXX XXXX via PayPal in 4. I later that night received an email that the flight was canceled. I immediately contacted PayPal. PayPal approved my dispute and my money was refunded by my bank. The case was never closed, and I keep getting contacted by PayPal stating I owe them money. The way the representative explained it to me is that PayPal paid for the ticket and I was responsible for paying them back. However the flight was canceled and the money was refunded by XXXX XXXX. However PayPal is stating that I still owe them, for a flight I never took, that was not cancelled on my part but by XXXX XXXX. Also XXXX XXXX refunded them. If I pay them, then they are being paid twice, by myself and XXXX XXXX. Lastly, if I still owed them money then why did they refund me {$290.00}. They would've just kept those funds, instead of refunding me to pay them back.
Consumer complaint received 2019-09-05
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)

There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.
Consumer complaint received 2020-07-08
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. (TN)

I have called Equifax Several Times about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.
Consumer complaint received 2017-11-05
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. (NM)

I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A. (VA)

The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover this.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, while placing an order at Amazon, I was offered a {$50.00} gift card if I applied for the Amazon Reward Visa Card, offered by Chase. This was an instant application which asked for almost no information.I was immediately turned down for the card with no explanation and told that I would not receive information for 30 days. Attempts to find out why through both Chase and Amazon have gotten nowhere. There is no way to appeal or provide additional information to get this overturned. 

I am self-employed and have sufficient average income. I have always had excellent credit, never missed a payment on anything, no derogatory remarks, and usually have a score in the XXXX. My score with both credit bureaus was XXXX at the time, primarily due to higher balances on my credit cards while income has been low while starting a business and slowed business due to the pandemic. I am currently making payments of far more than the minimum to catch up. My home mortgage was modified several years ago because I had been forced into a high interest, balloon double mortgage by a XXXX XXXX scam, but this again should not be a reason to deny a consumer credit card. 

I can see no reason due to credit, payment history, or source of income that I would be denied this card. In fact, XXXX had just doubled my XXXX XXXX XXXX account limits when I needed an emergency car repair. 

The only other sources of confusion may be that I have credit card bills going to both my legal address and a friend 's address where I am staying during the pandemic because mail at my home is often lost or stolen. But again, this is not a valid reason to deny credit. 

The only other potential reason an instant credit check may cause issues is that I do have an extra check on my credit due to an identity theft issue with my ex husband over 20 years ago. But this should lead to the company asking me for additional information or taking more time to process the application, not turning me down with no explanation. 

I would like to know why this application was denied within a week and be given a way to provide whatever additional information that would lead to granting the card. I really don't need another credit card, but through this denial I am being denied perks available to others on Amazon.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be XXXX because everything is inconsistent.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

i went into the branch to make an international wire transfer. was informed their system was down but that i could easily make the transaction myself at home. i explained that it was for a lot of money ( XXXX ) and i was nervous about doing it myself. i was assured by the banker that it would be fine. i initiated the transfer that same day, XXXX XXXX XXXXXXXX i received a confirmation email stating that the transfer was underway. 2 days later i was informed by the recipient that the funds had not been transferred. i went into the bank again and sat down with a banker to resend the wire and discovered that my entire account had been frozen. The fraud department had not bothered to call me but instead just cancelled my transaction. when the banker resent the funds on the XXXX XXXX XXXX XXXX rate had changed and the transaction cost me an extra {$1800.00} to send the same amount that i had " sent '' XXXX days before. im asking the bank to refund me as there was no attempt to contact me on the day i initiated the wire. XXXX also sure steps could have been taken inside the branch on the day of my initial transfer to make sure it was not cancelled. possibly a simple phone call to the fraud dept stating that i was going to be making this transfer. the bank let me down and has cost me a lot of money.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

I am writing to formally express my dissatisfaction with the service I have received from Selene Finance Mortgage. Earlier this year, I was sent a settlement offer, but despite my numerous attempts to contact the company for clarification, I was consistently unable to get a response. The lack of communication was frustrating, and when I did manage to speak with a customer service agents, they were unhelpful, and in some cases, outright rude and unprofessional. 

To make matters worse, I sold my rental property in XX/XX/2024, and despite my mortgage being paid in full, I still have not received the funds from my escrow account as of XX/XX/2024. I find it unacceptable that I am still waiting for this payment.I am requesting immediate disbursement of the funds in my escrow account, along with interest for the time the money has been withheld. I expect to receive a prompt response and resolution to this matter XXXX XXXX. 

I trust that Selene Finance will handle this situation appropriately, but based on my experience, I will not be doing business with this company ever again. 

Please have Selene Finance confirm when I can expect to receive my escrow funds.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> I received a text alert that there was possible fraudulent activity at a XXXX on our joint business checking account. We have received these before, so I responded no I have not tried to make that charge. Within a few minutes I received a phone call from a gentleman saying that he was with Chases fraud department and someone was trying to wire transfer money out of our account as we had been hacked. I was on the phone with this gentleman for two hours and was told a police report had already been filed due to the amount of the transaction. I googled the phone number that I was called from and it did show up as Chase. I was instructed on how to cancel the wire transfer and I actually received two separate Chase email responses that the wire transfers were canceled. I was still on hold with this gentleman when spouse said that he was going into a branch. He had that account restricted from doing any other activity opened up a brand new account and apparently this was all supposed to be handled. That evening the wire transfer of {$14000.00} was sent to the person that had hacked our account and more money was taken out of the brand new account that was supposed to be restricted. Now over 30 days later, we are told by Chase that because I was scammed they are not financially responsible for the wire transfer. I dont understand how a bank after being told multiple times that this was not a charge that we were doing will not provide our money back. Neither of us know who this person is in Florida and we would never have sent someone that kind of money we have never wire transferred money out of this business account ever before.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Received a 1099-c f, rom XXXX XXXX for tax year XXXX, cancellation of debt and filed with my income for that year. This account is still on my credit report when is should not be. The debt no longer exist,
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC (AL)

About a week ago, I was eligible to refinance my loan, I had additional questions for the manager of the lending company underwriting staff contacted me and told me that she would have the manager to call me when he gets in. The manager never contacted me to date. 

When a representative contacts me from BMG Money, it is never the manager. It is always someone from the underwriting department. 
Also, the company failed to communicate clearly new policy changes as it relates to the net pay amount in order to be eligible for refinance. 
Each time that I am eligible for a refinance, it appears to be a change in policy. This has happened twice, always during refinance, or coupled with their multiple attempts to deter me from speaking to the manager of the company. When I do receive a phone call, it is at closing and never the manager. 

The last four months it has been very difficult making contact with the company and manager regarding serious concerns or matters pertaining to my loan. 

My most serious concern is that I never know that there is a change in policy until it is time for me to refinance. That is a red flag.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (GA)

Account opened XX/XX/year>. Amount claiming to be owed is {$2300.00}. Original Collector is DNF Associates.

I requested that they provided the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed account of the charges that led to the debt, including any interest, fees, or additional charges.

4. Documentation that proves they have the legal right to collect this debt.

5. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.