davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emailed the XXXX / XXXX XXXX XXXX XXXX XXXX through their online contact system to inquire as to why they continually underreport my loan payments and qualified non-profit employment for XXXX XXXX XXXX XXXX ( XXXX ) program. Was told they would reply in 70-90 days - never heard back and it is now XX/XX/XXXX. The XXXX continues to say that they've received my request, but never gets back to me to request documents or even say what the status of my XXXX program is. 

Here is the contents of the email ( sent twice ) : I sent the below info to you a week ago and have not heard back. When will you contact me back? This problem has been outstanding for over a year and I need assurances that this will be fixed. Please email me back, or at minimum, acknowledge that you received this communication. It's like sending something into a black hole! 
-- -- My XXXX number of qualifying payments are not calculated correctly. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49  qualifying payments. 
Employer XXXX, Employment Date XXXX you list XXXX qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence  XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments.

Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer FXXXX Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 67 qualifying payments. 
Employer XXXXr, Employment Date XXXX you list 2 qualifying payments when it should be 42. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

I have the statements from the loan payment programs to support this claim. What is the best way to provide this info to you and get my account updated? I have requested this be done every year, and every year the info is grossly incorrect. Please advise as soon as possible.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (CA)

Recently I got a copy of my early warning report and noticed a XXXX XXXXk on my report. Which is stopping me from opening a bank account with a credit union due to fraudulent activities. I reached out to XXXX in hopes to getting this resolved considering I never opened the account and was able to support evidence that it was open up fraudulent. Only to learn XXXX XXXX couldnt help because the company was sold and this account is over 5 years old and its not currently open. The operator couldnt assist me in anyway as when she looked me up by babe in social it showed I didnt have an account to pull up information regarding it. Im asking this account to be removed as it is tarnishing my credibility.
Consumer complaint received 2020-01-28
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. (SD)

I was unable to access my free credit report on Exiquifax. After supplying all identification online, building a profile, it would not let me sign on. It directed me to call their support number. I did call. I had to supply my social security number, home address, zip, date of birth and phone number in the automated system just to be put on hold. The real person, after holding, would not help me get on the website without supplying further private information ( my credit card companies and monthly amounts ). I declined and wanted other resolution. She obviously would only read prepared screens to me and would not resolve. I asked to be transferred to a supervisor. After hold, she said just about the same information. No resolution unless I answer that question just for technical support. There is no way to log a complaint unless, she says, I send in identifying information and a complaint to the mailing address. This is a company that also has given me free fraud monitoring in the past because of their data breech, and yet could not help me to log into my account to get my free report. They should not hold me hostage in this way when I have already had to overshare private information to get to that point. I had no problem with XXXX.
Consumer complaint received 2019-03-16
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: Westlake Services, LLC (TX)

On XX/XX/XXXX I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company indicated that it pulled my credit report indirectly. This company is NOT being complaint with the FCRA, they will not remove the inquire after dispute. This is a violation as they did not have my written permission to pull my credit report.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The credit card issuer - Capital One - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.
Consumer complaint received 2018-02-20
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)

Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.
Consumer complaint received 2021-09-15
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. (OH)

Mailed a certified letter on XXXX/XXXX/2021 to Equifax requesting a method of verification according to the FCRA 611 for XXXX accounts listed on my credit profile. Equifax did not provide the requested information within the 15 day window. They opened a dispute, marked the accounts as verified, and closed the accounts without providing their method of verification.
Consumer complaint received 2020-12-12
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2019-03-16
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. (NC)

the three credit reporting companies have violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (FL)

I've contacted Experian and the following companies with these unauthorized inquiries and the companies are stating they do not have me in their system and can't find where I applied : 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
Consumer complaint received 2021-09-15
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. (KY)

This account magically appeared in my profile. I do not know who filed this account but its not mine and I do not know this account. I believe I am victim of identity theft or error in reporting. Please check this account and fix this error in my profile Account : XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Debt Collectors have called me from multiple phone numbers multiple times a day. They are looking for someone whose name I don't recognize, it's not me nor is it anyone I've heard of. They won't stop calling. When I tell them I don't know the guy and to stop calling they scream at me. No matter how many numbers I block, they call. Saturdays, early morning. I don't owe any money I'm not paying and I want them to stop bothering me.
Consumer complaint received 2018-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (AK)

I have called to get help with getting my payment cought up i do not want to lose my home an all i keep getting is that thay can not see my email or the documents i send an i keep getting farther behind an its almost to the point where i thank thay are not going to help. I want to keep my home and get everything cought up i was haven hard time makein the payments when i got behind. Thay are sayin that all the papers i sent thay only keep for 30 days. At one point thay said i had everything thay needed an now thay dont have anything.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX 2019 I purchased XXXX  made XXXX T-shirts and underwear for {$290.00}. The website used a XXXX name. It turned out the website was in XXXX and when the underwear arrived it was a different brand called XXXX. The t-shirt had written on the front XXXX XXXX XXXX. I did not order any writing on the t-shirt I filed a billing dispute and JP. MORGAN Chase United Explorer Card Chase the card issuer. Chase claims to have conducted a reasonable investigation but could not have. I provided a picture showing the XXXX  tshirt. They could not have really investigated. I was sent cheap underwear instead of high quality underwear. The seller in XXXX refused to accept a return. They just kept saying the shipping dept must have sent the wrong items. XXXX XXXX
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (SC)

There are currently three inquiries on my Experian credit report that was suppose to be removed per the official Experian website. Per the Fair Credit Reporting Act. These inquiries are suppose to stay on my credit report for two years ( 24 months ) still on my credit report. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IL)

This was was associated with XXXX XXXXXXXX XXXX I received a notice that comenity was closing my card as much as I wanted to kee it I had no choice I started struggle with my account and had problems making my payments because of a hardship and a hospital bill for family health issues. 
I tried to explain that to the guy but he was very rude and got mad at me and hung up because my phone had an app that was also recording the phone call This was was very rude Ive called before for help and they never help me out now they have transferred my account to a third party collector agency. 

I want to enroll into a program payment plan that can help me reduce my payments and interest
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I had 2 Synchrony accounts. One was Care Credit they gave me in the beginning a {$14000.00} limit, then went down to {$6000.00} then {$4000.00} then they closed my account without notice. Doesn't matter the balances or credit lines here, ... LOWES synchrony card beginning was roughly a {$4000.00} line then went down to around {$2000.00} don't have exact figures in front of me. My point is they closed both my accounts without notice I am continuing to pay the balances as promised. They blamed it on my credit score going down. There are literally thousands of other people ( consumers ) they've done this to no warning. Same explanation. This has caused a very negative impact on my credit report because it shows " closed by company '' And Not " CLOSED BY CONSUMER ''. This is unfair business practices and it has really affected my life in a very detrimental way. I want to sue them! This is wrong! They need to be punished!
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ingenuity RM, LLC (MN)

Ingenuity RM continues to send me letters in regards to a medical debt from XXXX XXXX XXXX XXXX for {$240.00}. File Number : XXXX. The debt and account is not my account or debt. The debt and account is the result of identity theft. Ingenuity RM keeps harassing me for a debt that doesnt belong to me. Ingenuity RM is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ). Ingenuity RM previously informed CFPB that they would close the file and not contact me anymore in regards to the debt, but they contacted me again anyway by USPS mail on XX/XX/2021. I have the letter. Review the letter uploaded. Furthermore, Review previous CFPB complaint against Ingenuity RM.
Consumer complaint received 2018-10-04
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: Southern Auto Finance Co (GA)

On XX/XX/2018 XXXX XXXX XXXX recovered my vehicle due to motor issues and my car not cranking. I contacted SAFCO and asked if thy could postpone my car payment because i had to pay to have the car towed. My next scheduled payment was XX/XX/2018 because they deferred the payment. In between that time i lost my job and could not afford to get the car out of the shop and the mechanic placed a Lien on the vehicle. I didnt know anything about the lien until i received a letter in the mail from the tech. SAFCO then contacted me and i then became verbally abused by the rep and a supervisor stating that " Nobody told me to take a car to a shop '' but if something is wrong with a car where do you take it? They made me feel incompetent and they were very demanding. Even unemployed i tried to pay the car note, insurance and shop fees. XX/XX/2018 I tried to follow up with the tech to set up a payment plan again but was told that SAFCO did not want to pay to get the car and the vehicle now belongs to XXXX XXXX. SAFCO is now reporting the car as 30 days late and as a Profit and loss write-off
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Zelle scam. I am trying to sell an item on XXXX XXXX XXXXXXXX for {$400.00}. A potential buyer claims he has a business account. I received a scam email from a fake Zelle site stating the buyer will submit to me {$700.00}. The scam then requires me to return {$300.00} to the buyer. 

The scam Zelle email instructing me is Zelle pay XXXX The info below is the email address asking me to make a " refund '' - info : XXXX This email address is the intended recipient of funds I am to send him! 

" On Wed, XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX wrote : Yes, please do. Kindly make a refund to this zelle info : XXXX Take a screenshot of the payment and send it to me so i can forward to the email I received. You should also do the same for verification of funds!! So you can be credited immediately!! "