davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (WI)

I am being forced to fabricate information on my mortgage application that absolutely does not exist and cant be found anywhere and the only way to get this information would be for me to make it up and i told them i would not move forward if that is the case. Now a month later we have to revisit this very issue again of me fabricating information that doesn't exist shows up again with my loan originator demanding that in order to move foward this information has to be provided or cancel. The loan originator from US bank who is forcing me to lie on my application is XXXX XXXX XXXX. 

Myself- I am retired from the Federal government, I am also service connected at 100 percent and those incomes have been paying the first mortgage which is the VA loan now through US Bank with no imperfections or missed payments ever in my credit history that at the time of my mortgage application the credit score is XXXX and all i wanted to do was refinance and pull some money out for home improvements and filled out the application online thinking it would go to my local branch but ended up in California and Kentucky and not one person i worked with ever showed any sense of professionalism so i was apprehensive from the start but did continue with the application and will only continue to do so with the information that is real and tangible!

I told them on two different occasions i would not do business like this and they still forced me to continue. I have the documents and the e-mail chain to prove everything. my next stop is HUD then DOJ!
Consumer complaint received 2019-11-13
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. (MI)

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX  & XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX  /ACCT OPENED XX/XX/XXXX / {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX XXXX
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC (TX)

On XX/XX/XXXX this record by RECEIVABLE RECOVERY SE was placed on my credit report. I have not received any letters, phone calls, or emails pertaining to this account I know nothing about. I have medicare and health insurance so I know I don't have any bills with anyone. I don't know why this account was placed on my credit report. RECEIVABLE RECOVERY SE RECEIVABLE RECOVERY SE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-01
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 did applied for a loans XXXX XXXX   XX/XX/XXXX, The Equifax report was seriously delinquent.credits obligations unpaid. I had called Equifax and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, Adress XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. Equifax advised me to call the collecting agent XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE. XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified Equifax, Equifax investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to XXXX XXXX   and still they repor Delinquency Please help me
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

1st missed call from the company on XXXX XXXX 2021 @ XXXX 2nd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call I acknowledged I was behind for the month and would make a payment in a week once I received a refund check. 

3rd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call, I explained that I was unable to make the payment as the check did not arrive yet ; stating possibly another week. 

4th missed call from the company on XX/XX/2021 @ XXXX **At this time, the company began contacting my references** I received a call from my father ( first person listed on my references ) on XX/XX/2021 @ XXXX - My father called me in a panic wondering what was the matter as he received a call from a lady inquiring about me. This led to a series of events that forced me to explain my personal situation causing undue stress and anxiety. 

**At this time, I stopped speaking with the company** There was absolutely no reason to begin contacting references at this point in time. 

The company called me on the following dates : XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX The company has called every one of my references multiple times without their individual express permission to do so. In fact, they have called all my references more than they have actually attempted to call me. On one occasion, the company disclosed to one of my references that they are in fact a finance company attempting to reach me and that the individual was listed as a reference for me.
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (CA)

Dear representative, I am in the middle of closing a purchasing a home. I paid off all of my credit cards, & personal loans to be able to qualify for the mortgage. I called, got the p/o & paid Mariner Finance in full over the phone on XX/XX/XXXX. On, XX/XX/XXXX the payment cleared my account. At the time of making the payment, I asked the representative how long it would take to get proof from their company, that I paid the loan off. They said 7 days. I called on XX/XX/XXXX and said I need the promised proof of payment. They said their policy is 15 days, but maybe if I could send over my bank statement & prove that it cleared my account I could get the proof from them. I sent the proof on the XXXX ( same day XXXX but never heard back. I called on XX/XX/XXXX & they said they still have to wait 15 days. I called today & now I am told that the proof of payment which is eligible to be sent out on the XXXX can only be mailed. Why is it that every other company has been able to accommodate me withing 3-5 days & this company will only mail proof after 2 weeks. I will lose my rate lock as interest rates have increased & won't close my loan on time. I am very upset since I work in the finance industry & know this is illegal. Please advise.
Consumer complaint received 2018-05-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EDvantage LLC (CA)

I had mailed them a letter datedXX/XX/XXXXrequesting that they discontinue calling me. I had received an acknowledgement letter to my request dated XX/XX/XXXX. I did receive another phone call from them on XX/XX/XXXX at XXXX XXXX in which they did not leave a message. Then I have received another phone call with a voice mail from supervisor named XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX wanting to follow up on my letter asking them not to call me anymore.
Consumer complaint received 2018-05-02
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. (NY)

For the month of XX/XX/2017 I was given a late by 30 days from XXXX XXXX. There website was faulty and would not allow me to login to their portal to make payment before the due date. I would like this late deleted. There website was faulty and would not allow me to login to their portal to make payment before the due date.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

SYNCB/JCPENNEY had agreed to remove this entire credit off my credit report as long as I paid them In full which I have. The reason for this was due to the remarks as to why the account was closed which was a total misunderstanding on there part which is why they agreed to remove the entire thing all together. 

The card is saying opened XX/XX/XXXX and closed XX/XX/XXXX SYNCB/OLDNAVYDC I also have the same problem with as I have spoken to this bank about this and they said same thing they would remove entire file from credit report as long as I paid what I owed them as I have done. 

This card is saying opened XX/XX/XXXX and closed XXXX XXXX, XXXX. 

I am unsure as to why this bank closes people 's accounts when they have good credit scores. I just want them to honor what they said. We had spoken about this a few times myself and there customer service and supervisors.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I have a Credit Card with Citibank and every time I try to use it at a new gas station the card is declined and frozen with a fraud alert. Then five minutes  later i get a call to verify the transaction. This does not help when I am at the pump trying to get gas. I have called citi several times and no one I speak with understands or cares about the issue. Most recently it happened at XXXX XXXX  on XX/XX/XXXX and numerous calls to customer service did not resolve the issue.
Consumer complaint received 2024-10-25
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)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2020-05-04
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. (TN)

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. but XXXX  has not told me the same thing that was told to the CFPB, until this date, I still have not heard anything from XXXX. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Debt Group of NY (MT)

I am a certified XXXX XXXX working for a non-profit. Over my years spent XXXX clients, I have witnessed several clients, especially seniors, being taken advantage of by XXXX XXXX XXXX. They do not explain the terms of the contract in terms that the consumer can understand. I often see that they allow their accounts to fall seriously past due before they even contact them to notify them of the client 's enrollment or to " negotiate '' a settlement. 

From what I gather, XXXX XXXX XXXX takes money directly from their checking or savings account, and holds it in an escrow account until there is enough to " negotiate with creditors '' Meanwhile, they let the client 's credit accounts go delinquent for several months or years, thus destroying their credit. I imagine they do this to condition the creditors to accept settlement easier. In the case of seniors living solely off social security, National Debt as well as the creditors know that they can not garnish those types of earnings. It also seems that they only pay one creditor at a time. I called several times to get information on how exactly they use they money they receive from the client to pay their various creditors, and did not get any answers. The reps I spoke with directed all of my questions to their website. 

I have called the company to have the terms and service works. It is incredibly high pressure and incredibly difficult to get clear answers from direct questions. They are very good at " spin ''. 

Also, they claim to be very well reviewed and highly rated with the XXXX. After several internet searches, it seems like the reviews are incredibly polarizing ( love or hate ), without middle of the road reviews. One site either has all rave reviews and others are all negative. The language used in the reviews is incredibly repetitive and there are very few spelling or grammatical errors contained within the positive reviews.This is a major concern because it is my belief that many of these " great '' reviews are in fact false, fraudulent, do not pertain to the services they specifically offer, or are paid content. It seems that the reviews are sometimes reflective of the customer service they received on the phone, but not to the entirety of the debt relief services. The ability to control the market through carefully manipulated internet analytics is a growing concern to all consumers and needs to be addressed immediately.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

XXXX XXXX sold this debt to another collection agency but Im unsure of the name. I made monthly payments and a few days before I completed paying off this full balance of XXXX they sold it to a new collection agency. Shortly after I made my last payment I started receiving call from this new collection agency asking for the full balance stating they were just sold this collection and I have to pay the full balance again. I explained to them that I already paid this balance off and this said I was still required to pay anyway because I didnt make those payments with them. I feel its unfair for me to pay this again after already being paid in full. At one point they did remove it from my credit report and Ive recently noticed it was placed back on there as if it was never paid. Im unable to give dates due to it being years old but Im 100 % positive this debt has always been paid.
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (FL)

On XX/XX/19, I ordered our free annual credit reports from all credit reporting agencies. We received our XXXX  reports within 7 days, XXXX   followed 2 days later. We have not received our Equifax reports. We did not receive Our Equifax reports last year but decided not to make it an issue. Contacting Equifax without a report # is impossible. Tried to re-order but denied because we already ordered them. 

We want our free reports.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The account is 3 years old. Ive paid it off while settling. Was told in XX/XX/XXXX that the account will be deleted and updated to the credit bureaus. XX/XX/XXXX the account says a XXXX balance but Portfolio Recovery wont provide a deletion letter.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX   AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. 

CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.
Consumer complaint received 2019-01-30
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. (WA)

On XX/XX/2019 I received notification that I applied for a XXXX  XXXX XXXX   Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Complaint about XXXX XXXX This bank issues credit cards to XXXX XXXX XXXX   stores customers and handles the credit card purchases. I was late couple of time, one time 2 hours and another time 6 minutes. I pay on line and the cut off time for payment is XXXX XXXX pst, but I thought it was XXXX.   Technically compare to few years back that on line payment was not common, they had to receive payment on due date and it would take 2-3 more days for them to receive the actual payment, but now days with electronic payment system it is instant. 
I asked them if they could waive the late fees and they said no. I said ok, then I'll pay what I owe for items that I purchased - minus the late fees- and asked them to close the account. They closed the account but kept late fees as balance of the account. This was back in XX/XX/XXXX. Since then they keep adding late fees. I paid what I purchased, I thought that was fair. I actually paid them extra {$20.00}, beyond what I purchased. 
Can they keep adding late fees, even after account is closed? 

Can you help on this matter?
Consumer complaint received 2021-03-05
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. (NV)

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XX/XX/XXXX give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem