davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO LOAN CARE FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH LOANCARE WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,
Consumer complaint received 2023-01-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NE)

Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. 
I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-27
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. (NY)

I am writing to follow up on my previous dispute regarding the negative items that persist on my credit report. It is concerning that despite my efforts to challenge these unauthorized negative entries, they continue to adversely impact my credit file.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (NC)

I had a card with Navy Federal a few years ago. I went through some unforeseen financial hardship and the card was charged off. I Once I was back on my feet, I made payments to pay it off in full. I wanted to purchase my first home, and this needed to be paid for my mortgage to be approved. I spoke with several people asking for this to be removed from my credit as a pay to delete but they refused. The information that they have listed on my credit report shows " charge off/paid account ''. However, if it was a charge off then they should send me tax information for me to file it as a 1099, which they haven't done. Therefore, it should be removed from my credit report as it seems they are able to use this as a charge off and receive the money, which is egregious. They should not receive the tax beneifts of a deby write off and receive the debt as well. Furthermore, although I have good creidt now, it's still a blemish that sits on my credit where I paid it off in full. The debt ended on XX/XX/2017 and we are now over the 7 years of remove.
Consumer complaint received 2024-03-07
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. (NY)

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.

Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

They were provided a accurate statement requesting copies of the alleged contracts with said collections agencies after being notified of fraud and have failed to remove them from my reports and failed to provide documentation showing these are accurately my accounts, which they are not. All credit reporting acts of rules and regulations apply.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I was granted an extension from Ally Bank for the month of XX/XX/ 2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One credit cards XX/XX/2020 charged 18.9 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 XXXX interest Company refuses after repeated phone calls to request a lower rate, to in fact lower rates. to accommodate better interest rates, even though the market conditions have improved and better rates are readily available nationwide. Please investigate Capital One for financial abusing clients with EXTREMELY HIGH interest rates during the pandemic. Escalated customer service agent who maintained this obscenely high interest rate is : XXXX from Virginia XXXX
Consumer complaint received 2023-06-16
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)

I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. 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 XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (FL)

NATIONAL RECOVERY AGENCY DEBT COLLECTION COMPANY IS REPORTING AS AN OPEN ACCOUNT DATE OF XX/XX/2022 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. 

ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NC)

I had a card with XXXX XXXX a few years ago. I went through some unforeseen financial hardship and the card was charged off. I Once I was back on my feet, I made payments to pay it off in full. I wanted to purchase my first home, and this needed to be paid for my mortgage to be approved. I spoke with several people asking for this to be removed from my credit as a pay to delete but they refused. The information that they have listed on my credit report shows " charge off/paid account ''. However, if it was a charge off then they should send me tax information for me to file it as a 1099, which they haven't done. Therefore, it should be removed from my credit report as it seems they are able to use this as a charge off and receive the money, which is egregious. They should not receive the tax beneifts of a deby write off and receive the debt as well. Furthermore, although I have good creidt now, it's still a blemish that sits on my credit where I paid it off in full. The debt ended on XX/XX/2017 and we are now over the 7 years of remove.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NJ)

Was contacted via landline and cell on XX/XX/2023 and by cell phone on XX/XX/2023 by a company called Credence. My complaint is that I never received a written notice from Credence describing the debt or identifying their company as the debtor. The company initiated collection calls without sufficient notice. 

I answered the call on XX/XX/2023 and I did in fact notify a representative that I needed proper written notice establishing them.as a debt collection agency and a written notice describing the debt before I would entertain any phone contact whatsoever with said company.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

Credence Resource Management has been relentlessly calling me on my mobile phone for a debt I do not owe. I have told them they are calling the wrong number but continue to call me and bother me. They have been calling me from several different phone numbers. I have reported them to the FTC and tried to block them, but they won't stop.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (ID)

My wife and I have called Citibank XXXX times over the past XXXX weeks. I am unable to log in to see any of my accounts including my Citi XXXX XXXX card. This is due in part to me having a checking account in which I never received a debit card for, but used it to wire money nearly a year ago. Because I cant verify my Citi Checking account number or the debit card ( and I have verified all security questions, SS #, etc. ) they are unwilling to unlink my checking account ( which I NEVER use, and has maybe {$200.00} ) from my credit card account due to this, making it impossible for me to see my balance, pay my statement, check on fraud or anything in regards to my personal finances with Citibank and Citi XXXX XXXX card. They also refuse to send me a new debit card that way I could verify this because they cant verify my card ...... Seems completely assinine and inexplicably redundent and frustrating for a consumer, who is just trying to PAY THEIR STATEMENT!
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (AZ)

My account got hacked on XX/XX/XXXX. Though the funds were returned, my access to my account was terminated. I have tried to work with Chime for over 2 weeks I am getting nowhere with Chime on restoring my access, so I have been unable to gain access to my funds. I dropped my direct deposit so they can not get anymore from me. BUT as it sits they have a lock on almost {$1500.00} that I can't get back. My attempts to work with this company to resolve this have met with being lied to and constant disconnections. I had at least 10 conversations dropped yesterday alone. What this company is doing should be illegal on some level. I am hoping you cam help.
Consumer complaint received 2023-06-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Colorado emergency mortgage assistance program sent money to my mortgage company to bring my account current. On I called XXXX XXXX mr cooper , my mortgage company and The on XX/XX/XXXX a woman told me she was moving funds to help bring my account current and will pay for my XXXX and most of XXXX payment. I call back on XX/XX/XXXX and a woman tells me that with funds being moved it will leave me a balance of XXXX due not till XXXX. I call back after on XX/XX/XXXX and am told no funds where ever moved and she will do them for me. I call back XX/XX/XXXX and was told the lady on XX/XX/XXXX did not notate about moving any funds and they keep ignoring me when I say I want that call pulled and reviewed. I talked to someone else on XX/XX/XXXX and they tell me they requested funds to me moved but I have to bring the account to current before they move money that they was sent from the Colorado mortgage assistance program. The money was sent to be applied toward my monthly statements and they misapplied the funds leaving me owing for XXXX but I was funded for XXXX already but they didnt apply funds how they should be applied. They also sent my insurance a check this month but was due in XXXX so I lost my homeowners insurance due to that as well and now theres a missing check for over XXXX XXXX thats raising my monthly payment XXXX more
Consumer complaint received 2023-01-03
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. (KY)

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  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 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 or 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. 

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I signed up for services with XXXX under a promotion that offered a {$1500.00} gift card. In the mist of having their service and the past year I have encountered issues with my health on top of a XXXX and the gift card promo was the farthest thing on my mind although much needed. My husband did acknowledge that he can possibly recall us receiving same in the mail at some point but may have misplaced it. My name should have been on the gift card and the services are solely in my name and I have never saw the card nor aware of what their cardholder agreement could possibly be as far as how to use and or what the expiration date would be. 
I was having a casual conversation with a Vivint rep and the gift card came up. Thats when I was advised to contact either XXXX or Bank of America to issue. My husband called XXXX and advised them that he misplaced the card and was advised that the card had expired and could not be re-issued and used as there was now a XXXX balance. I called Bank of America and was told the same. My husband 's name is not on the account and should not be on any cards sent related to our VIvint services. If what he does think came could have been the card, we never used or activated the card so not sure how we could be aware or bound by any terms in the cardholder agreement that XXXX have accompanied the card outlining the specific terms and conditions. XXXX stated that Bank of America keeps the funds after they are expired which makes me question the integrity of both companies and if their ultimate goal is for customers to not receive and activate the card so they can keep funds.
Consumer complaint received 2024-03-07
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: Experian Information Solutions Inc. (IL)

XXXX had my loans transferred XX/XX/XXXX my loan out because I qualified for XXXX relief, I sent over all letters and supporting documents from XXXX and XXXX to Experian explaining XXXX balanced owed and account was closed they continue to hinder my credit profile by continually reporting inaccurate and outdated information knowingly having supporting documents, XXXX XXXXXXXX XXXX I sent more documents and disputes out. Still, they ruled that the information was correct. I reached out again XXXX regarding this same issue and they are still reporting wrong information, they have I owed and is late to XXXX still and double on top of that for the same exact loan saying I owe XXXX, with supporting document that was mailed out again on XX/XX/XXXX the results states as accurate. I spoke with a representee twice XXXX XXXX XXXX from XXXX saying they did their part and have not reported anything to the credit bureau since XX/XX/XXXX and I have been disputing this since, so somewhere it seems all major credit bureaus don't want to rightfully be removed this which has been a major impact on my life and credit report. submitted to document supporting this with no corrections or removal. of these items they are still remaining and effecting my daily life. If the actual creditor is saying that they are reporting wrong, why is it such an issue to do the right thing and remove this item with the supporting documents that was given.