davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have been attempting to obtain my credit report from Equifax since XX/XX/2022. 
I received a letter from Equifax dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at MyEquifax.com XXXX times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : https : //my.equifax.com/consumer-registration/ACR/ # /system-error Furthermore, I called the Equifax help number ( XXXX XXXX literally XXXX times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with XXXX and XXXX. 
This is outrageous.
Consumer complaint received 2022-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had our mortgage for over 20 years and ever since Bank of America took over our original mortgage company Countrywide, I have had on going issues. I have been trying to be able to prepay more than one periodic payment without it being applied to principal balance of the loan. I want to be able to make payments as often as I choose and for the life of the loan. 
I have spoken on the phone with the main customer service several times over the years. They would post my payments incorrectly. Each time I spoke to someone, I was given different instructions and was told flat out that I could not make additional payments at any time or make prepayments. With no explanation or help. 
On XX/XX/XXXX I spoke on separate occasions to 2 agents XXXX XXXX XXXX XXXX ). They both said that Bank of Americas policy was not allow early payments. Frustrated, I spoke to the Bank of America XXXX, XXXX branch manager. She tried to help, so it seemed, but nothing was resolved. 

Another phone call to customer service, I mentioned the clause I found in my statement below. I was told to mail a written request. Which I did on XX/XX/XXXX and have yet to receive a response or resolution. 

Paying your loan ahead You may prepay your periodic payments one month in advance. If you want to prepay more than one periodic payment, please contact us. Keep in mind that if you dont contact us or we dont receive written instruction from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. 

Then I received a letter dated XX/XX/XXXX, regarding our homeowners insurance premiums. On XX/XX/XXXX, I called the phone number XXXX listed on the letter to get some clarification. The recent letter was notification that Bank Of America paid our homeowners insurance premiums on our previous and current insurance policies, so youll need to cancel one of them and send us your premium refund. What did this mean??? 
First thought was, did our homeowners policy company change? SecondIf so, why were we not notified? Then of course confusion and so many other questions and concerns came up. After speaking to someone about this, she confirmed that our homeowners insurance policy holder was not changed and the last payment was XXXX. And that its all caught up and that the letter must have been sent in error. 
So, I asked the XXXX  lady about my previous issue. I explained all to her and she gave me another address to which I can send my concerns and complaints. I am sending it certified mail Monday XX/XX/XXXX. In the letter I advised them that I was also filing a claim with you. 
Every time I try to work with this bank, I have issues. Everyones hands are tied, employees are uninformed or show lack of knowledge of policies, XXXX etc. And no communication. So very frustrating and aggravating.
Consumer complaint received 2022-10-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

Synchrony and Amazon credit card illegally authorized a charge to their card without my permission in the amount of {$36.00}. I use my default method of payment on my XXXX card. I contacted them and spoke to a customer service rep and explained that I didn't authorize it and don't use that card because the interest rate is way to high at over 25 %. and haven't used it since 2018. I filed a complaint with Synchrony disputing the charge. They refused it. I wrote to them again explaining that I did not authorize the charge. I was told by the customer service rep in my phone call which was recorded that occasionally when they make updates that my default card is changed back to their card! This is illegal. I am not paying for something I did not authorize. I want this corrected by Synchroncy, I want them investigated and proper action taken against them.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces  of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CO)

They set up an invalid escrow account and applied all my mortgage payments to the invalid escrow account. 

They were notified that I had insurance repeatedly, but they kept paying a second insurance payment for me and ignored the one I had. 

They refused to work with me no matter how many times I reached out, they kept telling me they were " helping me ''. 

Stealing from me yes, helping me no.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 4 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXXXXXXr PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

Around 2018, fraudulent charges occurred on my American express card. I was notified by a call from American express because the charges occurred within minutes of each other from different states. I specifically remember the representative asking me how was the weather where I was. I answered it was cold and raining however the card was being used Texas at a XXXX XXXX, Florida at a XXXX XXXX, and then in XXXX at some type of resort. I was prompted to follow the fraud protocol including filing a police report. 

This account is still reporting on my credit as charged off as bad debt. When in fact is was fraud.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (IA)

Ive disputed my affirm accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each account!
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OK)

XX/XX/2022, I was told by Comenity Bank call center representative XXXX, that my XXXX credit card with comenity bank had been sold to a 3rd party called XXXX XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to XXXX XXXX to make my payment. I contacted XXXX XXXX XXXX MO on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call XXXX XXXX as well as Comenity Bank over and over again, I even tried to dispute with my bank. I was told by Comenity bank that XXXX XXXX has not sent them the check yet. I was told by XXXX XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XX/XX/2022 I spoke with a supervisor by the name of XXXX XXXX with Comenity bank, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to XXXX XXXX my account was reversed BACK TO COMENITY AND NO LONGER WITH XXXX. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted comenity bank and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay comenity bank in attempts to zero out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using 93 % of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my zeroing out my balance.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX TX - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX XXXX Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX I applied for a Capital One XXXX XXXX and got approved. At this same time I XXXX XXXX XXXX XXXX XXXX XXXX so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from Capital one. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of XXXX times The last time I resent it was XX/XX/XXXX and XXXX I called and was told that a XXXX would contact me in XXXXXXXX XXXX, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

Capital one are crooks.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

My account was locked. In order to unlock the account, the agent mentioned that they will have to mail me an identity verification document. I will have to send a notarized affidavit and mail it back to the bank. The reason I opened an online account is to conduct business online and not have to deal with mail. In addition, my funds are locked for more than 15 days which is completely unacceptable. Marcus should be able to resolve the issue online. If not, they shouldn't allow consumers to open accounts online and instead have physical branch locations where the consumers ' issues can be resolved.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (FL)

There is a company in california called Oportun, inc. In XX/XX/2022 someone took out a loan online with this company. When I reviewed my credit report I contacted them and together we made a report # XXXX XXXXXXXX They asked me for 90 days to investigate and they still haven't removed that account from my credit. I told them we could have a video interview with me and that other person so they know where the fraud is but they don't do anything and it affects my credit
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Sensible Auto Lending, LLC (MD)

I have a car loan that is due weekly. I get paid every 2 weeks soon the off weeks of my pay the day after the payment is due the company ( sensible Auto ) will call me 8 times a day some on my phone and some on my spouse, s phone. Even if we talk to them on the phone they will still repeat calling an hour later. My voicemail box is full for the company repetitively calling me and I only owe a little over {$100.00}. I explained to the company numerous times about my pay schedule and they still harass me. They even call me back to back when I'm at work trying to make the money to pay my payment, I have stated this to them and an hour later they call back and act like they are doing nothing wrong
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (NJ)

To Whom It May Concern : PROBLEM : XXXX XXXX HAS REFUSED TO ANSWER MY EMAILS WITH CLEAR ANSWERS AS TO WHY THEY DO NOT LOWER MY INTEREST RATES WHICH ARE AT HISTORIC LOW LEVELS. EVERYONE CAN REFINANCE HOMES, AUTOS, ETC. BUT I CAN NOT REFINANCE MY STUDENT LOANS! 
I am XXXX years old, married and with a child on the way. We are tirelessly saving to buy a home in XXXX, but we 've been crippled by over {$120000.00} of student loans when I obtained a XXXX degree from XXXX in XXXX. 

It 's been six years since I XXXX in XX/XX/2009 and I 've paid over {$90000.00} in interest alone and the principal is lowering at a snail 's pace. We have not been able to take even a small vacation since we married XXXX years ago and there 's no light at the end of the tunnel to live a normal, quality life. It 's strained our marriage early on and we 're so nervous about having children. 

We need help please. Real help. I did n't know what I was doing at the time and my parents were first generation folks who could n't guide me at the time. Help us somehow. Please do n't pass us along to some ( XXXX ) number. What program is there to help me? I will do whatever it takes to climb out of this. 

Sincerely, XXXX XXXX.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on COMMONWEALTH FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.