davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I am unable to manage the freeze or unfreeze my credit report with www.equifax.com. They provide a service called myEquifax.com. I have been unable to log into this service for several months. The myEquifax.com service does not allow me to log in, or allow me to reset my password. I also can not setup a new account. When I attempt to get help with the myEquifax.com service using the automated phone line, it disconnects me before I can get any help. The automated phone line asks me questions about my credit report and I answer these questions correctly, but it indicates that I did not and then hangs up. Note I had the same problem with XXXX, in order to unfreeze my credit required that I purchase an account with monthly payments in order to unfreeze my credit report. I believe the same thing is happening with Equifax. So these credit companies are not upholding their promise that consumers can manage their credit report freeze without paying them a monthly fee by " obstructing '' any path for consumers to use their free services. This seems to be a pattern of abuse for multiple credit bureaus to force me to purchase a credit monitoring service in order to view my credit report or managed a freeze on my account.
Consumer complaint received 2020-04-10
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Hi, I am writing to this institution to see if there are grounds for you guys to investigate XXXX XXXX ( XXXX ). 
I currently have a mortgage with this company and I called them for information on payment assistance as most of us have been hit with the financial pandemic and the information they gave me is that they can put a hold to the monthly payments for up to 6 months. Nevertheless, after that time they expect all the money in one single payment ( plus the extra month you'll be owing at the end of the period ). 
I believe XXXX is setting people for failure and also trying to take advantage of the consumers in times of need. Having said this, please let me know your input. 

Thanks, XXXX XXXX
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NJ)

In XXXX of 2019, I closed my American Express account at the beginning of my account calendar year. I was fed up with constant fees - such as the annual and rewards program fee. We were very long time cardholders. 

After cancelling the card, the customer service rep said I was still obligated to pay for next year 's reward fee even though I cancelled the card prior to it restarting for the year - even though the card was cancelled before the new Reward Program period began. The representative found it funny that American Express intentionally charges the Rewards Program fee right before the annual fee. He said the fee was the cost of canceling. 

Im sure you will respond that the credit card agreement allows the charge for the fee however, the act of fraud is when a party intentionally acts to deceive. 

Charging the annual rewards prior to renewal is a dishonest act. 

I dont expect CFPB to resolve this matter in my favor- but hope with enough complaints you will finally act in the public 's interest and end this practice - this is FRAUD - the intentional act to defraud. They can send me a notice for payment until the end of time but you will never get a cent! I hope they keep wasting postage and collection fees!
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter from Chase dated XXXX XXXX stating that they will close all my accounts ( debit card with checking and saving account ), and 2 credit cards. I called customer service to find out the reason for closure but they refused to answer and said to go to the local office. I went there the next day and they refused to answer what was the reason. I was told to take my money off all my accounts before XX/XX/2020. I went to the other two offices to see if they can give me an answer of why my accounts are getting closed, but they refused to answer and added a note that if I come to the bank again, they will not talk to me any more. I didn't get any warning letters and was extremely careful with my accounts as I was in the process of buying a house I didn't make any big purchases, paid off my credit card and my 2 jobs were sending direct deposits to this account. In fact, I was a customer in Chase for over 10 years and never had any issues. As a result, of the described above events, my credit score dropped and the mortgage broker wasn't able to give me enough money to buy the house. Also, other banks refused to give me a credit card since my credit score was so low.
Consumer complaint received 2022-10-10
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I currently am In a repayment program with PHH Mtg services. I have been trying to get in touch with PHH for 16 days now. I keep getting a message saying " Due to unforseen circumstances we are unable to take your call at this time. The one time I did get through I stayed on hold for 69 mins before it sounded like it was transferring to a person and hung up. I can not get on to their website because I currently am in a modification that Im not satified with. When you go onto their website it says " Please contact support, your account status is limiting you to certain information ''. This is unacceptable firstly because we started this process in XXXX XXXX. I made two payments, {$1400.00} and {$180.00}. which brought the total to {$1600.00}. The Mtg payment was {$1600.00}, I paid this because the customer service agent that I spoke to on XX/XX/XXXX told me that this is what I owed. In XXXX my Relationship counselor XXXX called me and told me that the modification was denied due to me making 2 payment instead of one and that I did not make the correct payment. I asked to speak to the supervisor of which I was not afforded the opportunity, instead they told me that they would give it to the research department for further research. The next information I got was a new modification that was {$200.00} more claiming that I had to take it because of the computer error, and that they couldn't reverse anything because everything is done by computer. I told them that I would be struggling to pay that but they said it was the only option I had. So made the first payment on XX/XX/XXXX, and have been trying to make the second payment everyday since XX/XX/XXXX. Today is the last day of the month to pay and I am still getting the error message that I have mentioned above. I do I take care of a situation that they wronged when ( 1 ) I have limited access to my mtg account and ( 2 ) they won't answer the phone. To make things worse, they are reporting that I have a balance of {$300000.00}, and that they have had my account since XXXX which by law under they FCRA they have to remove if they are erroneously reporting. Please help all I want to do is make my payment and also have my credit report corrected. Furthermore, this account was sold to this company with wrong information given, and when I requested what they have proving that I owe as much as they say I do they can't provide the information
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have an inquiry on my report from XXXX XXXX  XXXX XXXX and Equifax Mortgage XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with XXXX. They wont even put in. Dispute or help me with this matter
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$92.00} XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX  Inquired on XX/XX/2020 XXXX
Consumer complaint received 2020-03-31
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: SYNCHRONY FINANCIAL (AZ)

Back in XX/XX/2016, it was reported that a settlement was issued for an old discount tire credit card. I signed up to help a friend back in high school who was in desperate need of funds but didn't have the credit history to be approved. Long story short, I got the card so he can get what he needed for transportation and it was our verbal friendship agreement that he would make payments towards my credit card to pay it off for helping him. I failed to make sure my friend was making his monthly payments towards my credit card on time. Everything was working out fine until he had a medical emergency with his family and was unable to make the payments. Unfortunately his pride got in the way and he never told me he wasn't able to make the payments until I found out for myself with delinquency letters from synchrony bank. I confronted him about it and he said he would handle it. Time went by to the point when I started getting collection calls. I sat down with my friend and he finally told me he couldn't make the payments anymore. We had received a settlement letter from synchrony and my friend offered to pay the settled amount since the interest and late fees were building up. I didn't understand the importance of credit until this took place. I have spent years since trying to rebuild my credit and I am managing to do so remarkably. This was a bad decision on my part for trusting others with my own credit, I was hoping there something that can be done to get this removed since this is the only negative impact on my overall credit history.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime (FL)

XXXX/Drivetime has been reporting incorrect information on my XXXX  and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/drivetime couldn't even find an account # XXXX with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked bridgcrest/Drivetime on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY DRIVETIME # : XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Balloon payment became due this month ( {$34000.00} ).  Contacted company in early XXXX, account representative XXXX XXXX and left message asking for him to contact me regarding wire transfer instructions as my banking institution was out of state and not easy for me to get a cashier 's check. This message was left twice with end of message indicating Mr. XXXX would follow up with me in 24 hours. There was no return call. I responded by sending the company a personal check for the balance due that was sent overnight to the payment address they provided. Today spoke to customer service representative that stated several supervisors attempted to contact me in the past two weeks regarding check not covering total due. The difference she stated was {$410.00}. I have no record on my phone, nor was a message left requesting a call back to resolve issue. It did not happen. Happy to provide call log to my phone from XXXX. I advised representative that a supervisor can call me and leave a message. Advised her that I would be filing a complaint with all state, federal and private entities about the difficulty contacting the agency and their refusal to accept any payment from me. She said check was returned to me rather than they cash the check and follow up with me with the disputed amount. I have never had a more difficult time paying a bill.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

Problem # 1 : In light of the economic crisis in XX/XX/2020, I had to spend 3 times my normal monthly expenses. Funds became scarce and I asked CITI/Credit Card to allow me to make a reduced payment pf {$25.00} for the next 4 months instead of the $ XXXX  monthly payment. They refused me. 

Problem # 2 : On XX/XX/2020, I made a $ XXXX  monthly payment in advance, which was due on XX/XX/2020. Then on XX/XX/XXXX, CITI withdrew a second {$100.00} from my checking account. I was charged twice for the XXXX payment. I called CITI on XX/XX/XXXX and was told they wouldnt do anything to correct the problem. 

I called CIT I2 times and asked them to lower payment to {$25.00} for 4 months and to have one of the XX/XX/XXXX payments to be applied to XXXX payment. They told me to call back about the double payment which I did. Each time I called, they said no. I finally wrote them a letter summarizing the problems and asked for help. I got a letter from CITI and again saying NO. In good faith, I will be making a $ XXXX  monthly payment for the next 4 months, but If something is not resolved during that time, I will have to stop all payments and default on the balance of the credit card.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (AL)

I got my cell phone connection with XXXX in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 3 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through equifax but they are not able to move forward and keep sending me the bill that was issued by XXXX for {$150.00}.
Consumer complaint received 2020-03-31
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. (TX)

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX  {$1600.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 ( a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on December 6, 2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Consumer complaint received 2019-12-18
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)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2020-03-31
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. (GA)

On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.
Consumer complaint received 2020-03-31
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. (GA)

On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.