davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC (IL)

Both my spouse and I are having challenges with work during the COVID-19 stay at home order in Illinois. 
I reached out to the company that services my loan and was told that a deferred payment was not possible but they did allow not paying for three months but that it would effect our credit and would still be responsible for the missed payments.
Consumer complaint received 2020-03-22
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. (DC)

XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my Equifax credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent Equifax dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Consumer complaint received 2021-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NE)

Switched to paperless billing on my chase freedom card due to being sent an offer of an additional {$5.00} in rewards credits after 8-10 weeks. Switched to paperless on XX/XX/XXXX and I still do not have that reward that was promised yet. Everytime I call I get a new date that is promised that it will be rewarded on. I called again today ( XX/XX/XXXX ) and am now being told that I am only at 8 weeks from XX/XX/XXXX from some reason. I told them that this wait that wait along with a different answer everytime is getting ridiculous and they didnt offer any additional help
Consumer complaint received 2020-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NY)

I have previsouly filed this complaint, but the company has failed to address my concerns. I deposited a check into the Discover Bank on XX/XX/2018 for XXXX. On XX/XX/2018 the funds were withdrawn from my account. The reason I was given was that I had deposited the same check at XXXX XXXX XXXX on XX/XX/2018. I checked at XXXX XXXX  and they have no record of it being deposited. When I told them that I did not even use XXXX  XXXX, but banked at XXXX XXXX, Discover told me to check my other account at XXXX XXXX. I did. No records of a deposit. I have asked them 4 times for a copy of the notice they claim to have received about this matter on XX/XX/2018 so that I can research it further. THEY REPEATEDLY FAIL TO PROVIDE ME WITH THE DOCUMENTATION THAT THEY USED TO TAKE MY MONEY. I have written to the CEO of Discover as well as several people at the " Executive Office of Consumer Advocacy ''. I am just looking for Discover to provide the  documentation which they claimed to have received. To date my money has been missing and the last place it was seen was Discover. From my point of view, Discover has stolen my money, unless they can show me who told them that the money was deposited elsewhere, so that I can pursue that lead. My next step is the Attorney General 's office if I can not get a simple piece of paper from Discover. I think they are covering their tracks.
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2020, a friend sent me {$150.00} via PayPal for an emergency expense. PayPal immediately put a hold on the funds even though I use them all the time for shopping, etc ... I reached out to them via chat that same day and was told that my friend sent the money under goods and services instead of friends and family and they would have to verify the transaction. The agent said he would mark my side as shipped and my friend would have to just verify on her end. Unfortunately, she has been unsuccessful at reaching PayPal to do this due to her work schedule and the funds are still on hold.
Consumer complaint received 2020-02-15
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. (FL)

THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY REPORT.
Consumer complaint received 2020-10-02
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. (IN)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2020-11-19
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. (AZ)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, Equifax, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. XXXX XXXX/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and XXXX XXXX/XXXX multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however Equifax continues to report this fraudulent account and XXXX XXXX/XXXX continues to harass me with ongoing collection calls.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank, which runs the XXXX private label credit card, sent me an email offer on XX/XX/XXXX stating " Receive {$25.00} in Bonus Rewards Dollars when you spend {$50.00} outside of XXXX and XXXX XXXX XXXX  with your XXXX Mastercard from XXXX XXXX-XXXX XXXX, XXXX. '' I spent {$50.00} outside of their stores during the promotional period, but was only issued {$20.00} in reward dollars. Upon calling Synchrony Bank on XX/XX/XXXX to inquire about my remaining {$5.00} in rewards dollars that I was supposed to have received, I was informed that rewards certificates are issued in increments of {$20.00}, and that I would need to make an incremental purchase in order to bump my rewards dollars balance above {$20.00} in order to receive the remaining {$5.00} in rewards. After escalating the matter to a manager named XXXX ( ID # XXXX ) I explained to her that the advertisement was misleading - nowhere in the email or fine print did it state that I would receive {$20.00} in rewards dollars first, and only upon making another purchase of at least {$150.00} ( @ 10 % typical rewards rate ) would I be able to earn the necessary incremental {$15.00} to issue a second rewards certificate of {$20.00}. I also added that if they knew their system only issued rewards certificates in {$20.00} increments, why would they promise customers {$25.00}? Why not offer {$20.00} in exchange for {$40.00} of outside spend? I explained to her that this was a clear case of bait and switch and an obvious UDAAP violation as the terms of the offer were misleading. XXXX dismissed my concerns and I let her know that I would be filing a complaint with the CFPB.
Consumer complaint received 2020-10-20
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. (AZ)

Hi, I informed XXXX, XXXX and Equifax that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and Equifax said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX High Credit : XXXX : {$500.00} XXXX {$0.00} Equifax ; {$300.00} Last Reported : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender XXXX Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX Equifax ; Account transferred or sold Charged off account Date Last Active : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Date of Last Payment XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX
Consumer complaint received 2020-03-22
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. (NY)

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.
Consumer complaint received 2020-02-14
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. (TX)

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for XXXX XXXX XXXX XXXX, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (AR)

Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. 

On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. 

This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from report.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NY)

I called M & T bank where I have my loan for my vehicle through they were to set payments back when covid-19 hit for some reason in XXXX of last year they are stating I was late on a payment or missed a payment which is not true I've been on the phone four or five times and still can not get this resolved if you look at my payment history it's excellent until covid-19 hit when I lost my job and that's when I had payments move to the back of the loan so I did not miss or was not late and was told I would have nothing like that on my record if I put these payments to the back of the loan but still can not get any where's with this company
Consumer complaint received 2020-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

Enhanced Recovery Company is violating Fair Debt Collection Practices Act trying to collect interest, fees, or other charges on top of amount or fraudulently changed amount from previous closed account with XXXX XXXX XXXX, previous amount was XXXX XXXX reported XX/XX/2020 and ERC is reporting XXXX as of XX/XX/2020. This is a violation and the account needs to be removed immediatly. ERC has also re-aged the account as well, causing the negative credit report entry to remain on my reports longer than is legally permitted. ERC never sent any mailed notification of the account not allowing me to attempt to validate the debt.
Consumer complaint received 2020-02-14
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. (GA)

I have been disputing an account for 3-years. I have sent to Equifax a letter from the collection company, XXXX XXXX requesting that the credit bureaus delete the item, but Equifax refuses to delete the item from my credit report. Again, it's been 3-years since the company  requested to have the item removed from my credit report
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NC)

I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Woods Oviatt Gilman LLP (NY)

The car has a balance to be paid on it after repossession then auction. 
there is a co signor that is not on XXXX. Per the collection agency they can not legally go after the person on XXXX to pay back the loan ( in NY state ). 
why is the co signor solely responsible to pay back the debt and there is no financial obligation on the person on XXXX?
Consumer complaint received 2020-03-21
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: U.S. BANCORP (FL)

Dear Sir or Madam : I am a victim of identity theft due to an equifax credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-10-20
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. (PA)

On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Consumer complaint received 2020-11-19
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. (FL)

Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.
Consumer complaint received 2022-04-26
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. (AL)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TN)

I paid off my Best Buy Citi Card and I got a statement in XXXX which showed nearly {$3000.00} in charges I did not make to the card nor does the statements show where the {$3000.00} came from. I reported this fraud on both my secure web login in credit card portal and when I got no response or phone call I submitted a letter directly to the Best Buy Citi consumer assistance address, still no response and I keep getting bills which keep going up now over {$3000.00}.
Consumer complaint received 2020-02-14
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: Mr. Cooper Group Inc. (MI)

I have a mortgage with Mr Cooper starting XXXX 2019 for a condo in XXXX. I set Autopay for each month payment. Two weeks ago, I am purchasing a condo in XXXX and start applying for a mortgage. They got a credit report and showed I have late payment in Mr Cooper account. I immediately called Mr Cooper to request a statement that a mistake was made in my account. They said it will take up to 1 month for them to process my request. I told them this is not acceptable at all. I called them many times and they ignored my request. 
I don't want to lose the condo that we love very much just because of Mr Cooper was making big mistake in my account.