davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NM)

When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.
Consumer complaint received 2017-10-05
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. (SC)

XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (CA)

I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )
Consumer complaint received 2017-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
Consumer complaint received 2017-10-05
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. (MN)

Back in XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NM)

In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NV)

Your company Synchrony Bank, Care Credit did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus.
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that
information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
Consumer complaint received 2017-10-03
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. (NE)

I ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.
Consumer complaint received 2017-10-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.
Consumer complaint received 2017-10-04
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: Onity Group Inc. (MD)

In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (NV)

Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
Consumer complaint received 2024-10-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (AR)

I filed a dispute with Regions on XX/XX/year>2024 about my card being stolen and funds taken out of my account by fraud charges. My account has been closed today XX/XX/scrub>/2024 with no update on my claim that I filed. I ask that this claim process be governed for constructive fraud being done by this major bank.
Consumer complaint received 2024-10-19
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. (GA)

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. 

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 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.

These inaccuracies are keeping from getting things like loans and a newer car.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a credit to my checking today XXXX for over XXXX from my child support. I had a check and automatic withdrawals come through. This morning my account was fine, my credit posted everything had cleared. Then I get an email from bank of America stating my acct was overdrawn. My credit and withdrawals were changed, my check for XXXX was returned, my withdrawals I have a fee for each of them. XXXX in fees. I called BofA, no help, just telling me the check posted last night, not true. I checked the deposit rules and my credit should have covered my check and the XXXX automatic withdrawals.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NC)

In short : I was XXXX from XXXX XXXX  in a XXXX  location, I applied for 0 % interest, got approved on XX/XX/XXXX, but they never applied it to my account nor refunded the interest I was forced to pay those months. I also have loans above 6 % in violation of SCRA, I was approved for this as well and they never applied it. They do not respond to my calls or emails. I've attached the letter from my lawyer that I sent Mohela and supporting documents.
Consumer complaint received 2017-08-22
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: PNC Bank N.A. (IL)

As part of a Chapter XXXX filing on XXXX XXXX, 2010 PNC mortgage was a creditor discharged. I discovered that PNC had reported credit activity after having been discharged. The activity was reported to and published by XXXX. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, XXXX chose to publish the information. Upon notifying XXXX of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The XXXX supervisor " XXXX '' in the Resolution Department stated that if PNC reports the activity, XXXX would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. XXXX has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
Consumer complaint received 2017-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

After I submitted a dispute with Experian, and they investigated, as is my right under FCRA rules, on XX/XX/XXXX, I requested information on the investigation itself : Please see attached letter from me to Experian for details. They ignored my request. So on XX/XX/XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GRANITE STATE MANAGEMENT & RESOURCES (GA)

I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.