davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (GA)

I applied and obtained a credit card account with XXXX XXXX/ synchrony bank while I was in college I worked for XXXX XXXX part-time. I was never late on making payments throughout my time in college because I maintained steady income from my part-time job. I recently XXXX from college and my part-time job ended.Presently, I am currently unemployed looking for stable employment. Due to this hardship I was unable to make any payments any longer and I realized that the debt I incurred was discharged and marked delinquent onto my credit reports. I want to take full responsibility and possibly work-out a payment plan with synchrony bank once I'm gainfully employed full-time, however I just learned that synchronybank/XXXX XXXX sold the debt and remaining balance to a debt collector ( XXXX XXXX XXXX, XXXX ) and they filed a lawsuit against me in the XXXX county court here in XXXX, Ga. They come out to my home with court documents on XX/XX/18 and case number for the lawsuit # XXXX. I have been very distraught about this matter.I think there debt collection practices are extremely agressive. I'm willing to mediate with synchrony bank to resolve this matter if there are any options availble for me and my current financial situation.
Consumer complaint received 2022-03-05
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2020-12-16
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. (FL)

This will be the third and final attempt before I start legal action on Experian Credit Bureau. They do not want to follow FCRA articles 603/605 regarding the removal of items over 7 years old. the last email I received from them Dated XX/XX/2020 said the information I provided them was insufficient. The information came from XX/XX/XXXX Credit Bureau who received the same letter I sent to Experian. Only difference is they did their job, investigated and deleted the item from their report. I will upload copies of all information pertinent to this matter. It's bad enough, they have the right to sell my personal information for a fee. They could at least make an attempt to get it right.. They are a very difficult company to do business with and have a low regard for the general public at large.
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (TX)

Discovercard has sent a letter threatening legal action with a deadline to respond to the threat of legal action. The deadline to respond is several days previous to the date the letter was generated, ( the letter shows the date it was generated ) and sent to myself via Priority Mail. I did not recieved the letter in the mail until 2 full weeks past the deadline in which they are threatening legal action against me. So I could have never responded to their deadline in the time they specify to avoid their legal action, and furthermore they generated the letter to inform me of legal action against me after a certain date, and literally didn't even create the letter and/or inform me of the deadline until after the deadline was already past.
Consumer complaint received 2018-12-16
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: Experian Information Solutions Inc. (MO)

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Consumer complaint received 2018-12-16
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. (MO)

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Surprisingly, Bank of America did not care much about this edd card fraud that is going around lately. 
I found out that this scammer is taking my money from edd card starting from XX/XX/20 to XX/XX/20. 
They took out {$1000.00} per day total of 5 times at multiple atms. I can send photos of my bank transaction page as well. 
I'm % 100 sure that I've never used this card anywhere else other than atm to take out cash to deposit to other bank to pay my bill. No internet transaction, no store transaction at all. So I am highly suspecting that the atm I always went was the place where my card got hacked. Also, the card was with me when this scammer is using my card. 

Here is the address of that boa branch that I always went to use atm. 
Location : XXXX XXXX XXXX, XXXX, CA XXXX ( inside of XXXX XXXX  ) I called Bank of America edd department right after i found out that my card was duplicated and had been used somewhere else, and talked to claims department on the next day in the morning since they were closed. They told me to wait about 10 days to get the additional info about my claim and i was told that it might take up to 90 days to investigate. Today, I just got letters that says they are going to close my claim due to suspicious activity on my account and the letter was generated on XX/XX/20. Just a day after i called them. They did not ask a thing about what happened. All they took from me was dates and amount. I dont get how they came with this decision when they have no information. I later even found out that the card was used just 4 min later in different city on the same day i actually used my card and found out irregular balance on my account. I called boa a few days ago before i got the denying letter and i told them i want to send some proof to them as well but they denied it by telling me there isnt any direct fax number or email address to claims department and told me to just wait. And now, all i got is a letter that states i am the one who used the card. I was shocked how ignorant they are. I know XXXX dollars can be a small amount for some rich people but im not one of them. If i was the one who is filing a false claim, i wouldnt have made police report. XXXX police is currently investing on my case as well. Please help me. 
I can provide any info if you guys need. 

My email XXXX XXXX
Consumer complaint received 2018-12-16
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: Experian Information Solutions Inc. (NC)

I have been a victim of Id theft and had some fraudulent accounts open. Ive managed to have all of them deleted with the exception of one a XXXX XXXX account. This account reported to all three Bureaus but one company refuses to remove despite the fact that I had the fraud alert on my report. I have sent them actual documents stating that I live in a whole different state.
Consumer complaint received 2022-03-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

In XXXX all my loans were current as of today XX/XX/XXXX I show two of my loans are past due. I received no mail or email or phone correspondent saying that my loans were past due. When I called them today they said they've been having some issues with their system so it may have not updated but they now are wanting double payments. These loans have been in non-payment status because I have been in school so I did not even receive anything in the mail saying that these loans would be due again. I can not afford {$1000.00} in loan payments. The only thing they are willing to offer me is forbearance which really does not help the situation. This issue is in regards to the following loans : XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I brought a home XX/XX/2021 for XXXX at 95 % LTV so the loan required MI and Taxes/HOI to be escrowed. 

However, since the home I brought was a fixer upper I immediately invested over 100k in. 
Contacted lender and they advised that I had to have an appraisal ordered and completed by them to verify the new value, so I paid for the appraisal with pennymac and the new value came is at XXXX ; which puts me at LTV at 70 %. 

I resubmitted my request for MI to be removed and escrowed to be removed from my monthly payment. MI removal was denied twice and after multiple request they finally remove removed the MI ONLY. 

HOWEVER, they denied my request to remove escrows 6 times despite telling me to pay for the appraisal through them and still deny my request.
Consumer complaint received 2018-05-17
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. (OH)

I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (TX)

Ford is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or Ford to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to Ford and proof of my title.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2018-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their  money back by sending me a payoff demand minus their unlawful origination fee. 

Thank you
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was reviewing my credit report when i noticed that my XXXX XXXX XXXX account showed a balance {$770.00} on XXXX, and it shows a balance of {$830.00} on experian. this is a clear violation of inaccurate reporting. this is as of XX/XX/2022 i also noticed my XXXX XXXX XXXX XXXX account shows on XXXX that the balance is {$640.00} as of XX/XX/2022 but on experian it shows a balance of {$710.00} this is a violation the FCRA which states credit reporting must be 100 % accurate
Consumer complaint received 2022-06-19
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. (CA)

I was reviewing my credit report when i noticed that my XXXX XXXX XXXX account showed a balance {$770.00} on equifax, and it shows a balance of {$830.00} on XXXX. this is a clear violation of inaccurate reporting. this is as of XX/XX/2022 i also noticed my XXXX XXXX XXXX XXXX account shows on equifax that the balance is {$640.00} as of XX/XX/2022 but on XXXX  it shows a balance of {$710.00} this is a violation the FCRA which states credit reporting must be 100 % accurate
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Overnight a credit was reversed on my account. The purchase was reported as fraud and they also submitted a dispute. The purchase was made on XX/XX/XXXX but some of them claim it was made on XX/XX/XXXX, regardless they issued me a credit to my account and a month later,,,,, reversed it back and left my checking account negative XXXX when they took XXXX. I emailed XXXX and submitted proof from the post office and from XXXX via email that they both : 1. Understand that I never received a package and verified this via email. 
2.They knew where it was and it was on the XXXX XXXX XXXX XXXX XXXX CA and never went back out. 
3. The post office signed me up for informed delivery so I could have proof in court and they would not be liable. 
I will attach proof of the verification and I want the bank to stop pulling credits they issued to me because they had to be approved in order to be issued to me and someone is trying to steal money from me knowing I submitted proof
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

My student loan started out to be {$32000.00} with XXXX in XX/XX/XXXX. My loan was transferred to Navient several years ago. However, even though I have made payments, the amount I owe now is {$41000.00}. I did request a forbearance, and did not start making payments until XX/XX/XXXX. However, that is still eight years of payments, with the amount I owe continually going up. I work for the XXXX XXXX, so if I had known about loan forgiveness after making payments for 10 years, I would have done so. I have also been confused how Navient applies my payments. Apparently, Navient charges interest on a daily basis which is why myself and others like me can not make a dent in the actual amount of the loan. I recently started making additional payments, but it does not seem to make much of a difference. Today, I contacted Navient, and I requested to have the amount I pay over the loan payment to be applied towards my principal. I was told that I could not do that, that Navient pays the interest first, and then applies anything else to principal. This is when Navient informed me that I am charged interest on a daily basis. I believe it is illegal for Navient to tell me that I can not apply my overpayment to my principal. For reference, my loan # XXXX. Thank you.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is reporting someone else 's birthdate on my consumer credit file. I did NOT give Equifax direct or written consent to furnish or report ANY birthdate on my consumer credit file. Equifax is also reporting a variation of my name that is inaccurate and does not belong to me. These inaccuracies regarding my private and personal identification information are tarnishing my reputation and a clear violation of my federally protected consumer rights.
Consumer complaint received 2022-03-05
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. (MO)

I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX AXXXX XXXX and XXXX XXXXequesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I have been denied access to the data in my consumer report that a company Data X has stored in their data base, this company is owned by Equifax. I contacted company in XX/XX/2020 and requested a copy of the report and the information in their credit files. Also Equifax would not allow me to dispute any items on the credit report from annualcreditreports.com unless you sign up for an account which is a monthly charge. 
Data X a company of Equifax will not allow you to get the information they provided to the creditor without filling out a form that includes all your personal information and wants you to submit by mail only and not email but states if they find a report after providing your current ID then it may be forwarded to you via usps regular mail not certified. No report was sent or provided to me.

15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX  Acct # XXXX