davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

Because I have already filed a complaint about this back in XX/XX/XXXX, I will be brief and simply attach a written demand I submitted to Discover Card 's XXXX XXXX today. 

Discover continues to reapply an illegitimate charge of {$1800.00} to my account and, shockingly, today it advised me that the dispute went to an unidentified, unilateral, third-party arbitrator/arbitration service, which, on its face, is outrageous. I took no part in such process and in any event, the reason for the reapplication of the charge is unlawful, unfair, deceptive, and smacks against well-settled contract law. 

I demand that this {$1800.00} be fully and finally removed from my account. I will not waste anymore of my time addressing this dispute with inept Discover Card, unless it is through legal action that I have authorized my attorney to undertake in the event this unseemly and senseless process is not fully and finally resolved in a favor manner by XX/XX/XXXX. 

Also, because of Discover 's unacceptable, irrational, and highly inept business practices, I was forced to terminate my XXXX relationship today, XX/XX/XXXX. I can not rely upon or trust this company and it is causing me immense emotional and financial distress.
Consumer complaint received 2022-01-30
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)

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, Equifax and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, Equifax and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX and Experian refuse to recognize that XXXX XXXX XXXX, where I live address is XXXX XXXX  XXXX XXXX, XXXX XXXX I am also and also have a irrevocable trust Owner : XXXX XXXX XXXX XXXX XXXX where are serve as Sole Proprietor : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property description : duplex Property identifier XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Like dimension XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX receive religious holistic therapy located address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX as a ordained missionary Please recognize I do business this way and I have titles to my name 's that I have really to legal names my birth name and my DBA both are my legal namelegal this is my legal name one of them because is a lleage DBA
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- XXXX, TransUnion, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on XXXX and TransUnion 's reports. I started a dispute with XXXX on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with TransUnion and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my XXXX XXXX XXXX wife ) because of their slow process. It's their fault we can not buy a home.
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have been part of the Temporary Extended Public Student Loan Forgiveness program since early 2019. I made income driven payments, which I was told would get me to where I needed to be in order to be forgiven. I called dozens of times, and spoke to people to make sure I was doing what was required. I am now in a place where I should be forgiven. However, the servicer is claiming that they do not recognize the EIN of my employer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I submitted the number, and they rejected it. They asked for my W2, which I sent. They are still rejecting the number, which is disingenuous. They were accepting my employment certifications for over two years, and calculating my payments. My certifications had the same EIN. Not sure what else to do, since there does not appear to be a live person to help me. I'VE CALLED OVER 35 TIMES over the last 2+ years to make sure I was doing everything correctly. 

I have called FedLoans/XXXX, Studentaid.gov, and have gone round and round. Each person refers me to another person. I've filed an ombudsman complaint, a complaint with studentaid.gov, and a complaint with the FTC. No word back.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc. (NY)

This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Failure to provide consumer with the original instrument of indebtedness in its original form under penalty of perjury as required under Federal and State law is a violation. If COMENITY BANK continue to report unverifiable or inaccurate accounts on my Consumer file COMENITY BANK will be liable to unfair debt collection practices, False, decedptive and misleading representation pursuant to 15 USC 1692e. COMENITY BANK if fail to provide docuemnts requested by consumer will be held liable to criminal liability for willful and knowing reporting FRAUDULENT ACCOUNTS on a consumer file pursuant to 15 USC 1611 and civil liability for ANY injuries or damages as a result on COMENITY noncompliance.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (MS)

I got an alert on my credit report that a collection was placed on my credit bureau on some it showed XXXX owed and on the others it showed {$70.00} as of todays date u have never been contacted nor has this account been verified that I owe this debt I was never given the right to dispute this debt nor did this company contact me with my rights they immediately placed this debt on my credit never giving me the opportunity to dispute nor verify my debt this company is doing illegal collection tactics in order to ruin the consumers credit company has violated the fair credit reporting act to protect the consumer
Consumer complaint received 2022-01-28
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Complaint against mortgage holder Shellpoint Mortgage. 


Mid-year XXXX I was granted a forbearance. In XX/XX/XXXX I lost my job due to COVID and though I tried to make the monthly payments, to which by the way were always done on time before the COVID pandemic, it just became impossible. 

The government then helped with the additional {$600.00} of unemployment at which time I scheduled a payment in XX/XX/XXXX. This payment was for two months in the hopes that the following months I would be able to repay the three months missing. I was then two months behind. 

XX/XX/XXXXXXXX ACH Electronic Debit NEWREZ-SHELLPOIN ACH PMT XXXX Because I had made a two-month payment, someone in your company reached out letting me know that they would put the two months left at the end of the loan granting me with a forbearance. When this option was presented to me I asked, " if things don't get better through this pandemic and I am again not able to pay the mortgage, can I qualify again for another forbearance? '' The answer was a strong 'ABSOLUTELY ''. 

I went ahead and made the XXXX payment XX/XX/XXXX ACH Electronic Debit NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX Then unemployment stopped the additional {$600.00} putting millions of people in financial trouble. 

I requested another forbearance through your website. I started calling as well. I have never been in this type of situation. Many of the times I called I would be sent to voicemail letting me know that they could not answer and to please try again. I did, unsuccessfully. I started leaving my name and number along with the loan number for someone to call me back ... ..NOTHIING. 

At the end of XXXX, I was finally able to talk to a gentleman who informed me if I paid three months at the same time the rest of the months would be put back at the end of the loan. As difficult as it was, I was able to make the three months payment for a total of {$9300.00} This gentleman lied to me because he never did what he said he would. 

I continued making the timely monthly payments after XXXX all the way to the sale of the property. 


My loan was assigned to XXXX XXXX XXXX. She seemed to have understood and cared. First thing she said was " if you were told that after paying three months at once you would go into forbearance with the other months, they SHOULD have kept their promise She also mentioned she could not understand why this was happening since I was making my monthly payments on time. We started working on a payment plan which we finally agreed on in XX/XX/XXXX at which time Shellpoint Mortgage reported me late. 

The new increased payment was effective in XXXX, and they continued reporting me late. This time for XX/XX/XXXX and following months XXXX.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I contact Experian to find out why my credit score dropped XXXX  points and no one could tell me. I received five different numbers to call to get my Question answered. The last phone number I received was for credit counseling. I dont need credit counseling, I need to find out why my credit score dropped XXXX  points. Ive had this same problem before with Experian. When my credit gets a certain point, they bust it down about 30-40 points without a clear explanation. No late fees or payment to justify the decrease.
Consumer complaint received 2022-01-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

My property ( which has now been sold ) was transferred from XXXX XX/XX/XXXX XXXX Freedom Mortgage on XX/XX/XXXX. At the time of transfer there was a negative balance of {$39.00} in my escrow. I made my regular monthly mortgage payment for XXXX to Freedom Mortgage. Toward the end of XXXX I was offered a lower interest rate to refinance my loan which I accepted and the refinancing took place on XX/XX/XXXX. 

In XXXX after continuing to contact XXXX concerning the refund for property taxes I had paid instead of them, I was informed that on XX/XX/XXXX they had sent by wire a refund of {$540.00} for the property address located at XXXX XXXX Ct, XXXX, Alabama Parcel Number XXXX ). I then contacted Freedom Mortgage and was transferred to their third party billing for Freedom Mortgage who after 50 or more days acknowledged receipt and said that the refund had been turned over to Freedom Mortgage. I have been put off concerning this refund with the message to call every 45 to 50 days. 
I sold the property on XX/XX/XXXX and XXXX and XXXX paid the property taxes for the closing that was set for XX/XX/XXXX. Afterward I received notice from Freedom Mortgage that they had paid the property taxes when they disbursed the balance in my escrow account. I contacted them and was told to give them 50 days to research and verify they had receive the refund from XXXX XXXX XXXX. I gave them another 50 days and still have not received the tax refund for the prior tax year nor for this tax year that XXXX and XXXX has paid. I am seeking to get my refunds for the tax years owed to me. I was informed by the tax department that a refund has been sent back to them from XXXX XXXX commissioner for the property taxes. But no refund has been processed for me. 
I previously filed a complaint with the Better Business Bureau but nothing came of it. 
.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (MI)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2022-01-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

on XX/XX/2022 I sent debt collector " Lakeview sub serviced by XXXX XXXX XXXX XXXXk '' a written request of debt verification and also a written itemization of the Finance Charge and Amount Financed on XX/XX/2022 it was delivered and picked up.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (MO)

My XXXX  child who wasn't authorized charged over {$4000.00} on my credit card and they are not authorized.
Consumer complaint received 2022-01-29
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. (GA)

My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have an account with Experian. I check regularly The problem which has been happening for XXXX  years : XXXX month, a XXXX year old credit card, was showing CLOSED. 

A few times a year, I check my report and SURPRISE! That credit card is showing OPEN and a dozen missed payments NOT ACCURATE I COMPLAIN TO EXPERIAN XXXX THERE RESPONSE IS : this account has already been disputed, nothing we can do. Such XXXX! 

PLUS XXXX GETTING READY TO MOVE! So credit checks will be occurring. 
XXXX so angry. This WILL ABSOLUTELY PREVENT MYSELF AND FAMILY FROM BEING APPROVED! 
Cards that flip flop every few months, closed XXXX  month - no late pymt history- month later it shows as an OPEN ACCOUNT XXXX  months late!! 

PLEASE HELP
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

The website where for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.
Consumer complaint received 2022-01-29
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. (TN)

XX/XX/XXXX Re : XXXX XXXX XXXX ;XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story.

You have been reporting inaccurate information under FALSE PRETENSES.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE