davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (NC)

Equifax and XXXX continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. Equifax and XXXX continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed.

In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

equifax is knowingly reporting information from a furnisher you fined 3 days ago for not reporting credit correctly ... ..but the offense is equifax 's because it is obvious misreporting on the face of the record, equifax is reporting current status as 120 days late while it is a paid in full XXXX balance account..its my XXXX student loan account XXXX ... this blatant error of equifax proves they do not care about cfpb enforcement.
Consumer complaint received 2017-06-23
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: Early Warning Services, LLC (TX)

Contacted this company first on  XXXX   XXXX  and was informed that they ca n't mail reports and they can only email them within  15 to  21 days from the date. I contacted them again late  XXXX  to be informed that they emailed it to me late  XXXX  and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within  3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID  XXXX  stating that this is the only way to look up my file. Again today late  XXXX  ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to Discover that has been ignored.
Consumer complaint received 2017-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I have repeatedly asked, faxed, and e-mailed Carrington Home Mortgage for an itemized list of all late charges since they obtained our mortgage- specifically wanting details of exact charges and why. They have refused to comply other than mailed documents that literally were just numbers on a page. Now Carrington Mortgage is charging a {$5.00} " convenience charge '' to pay our mortgage online. The only way to pay our mortgage without a fee is to enroll in their automated system, which disallows a grace period, and is in essence, other than that exact method of allowing them to take money automatically from my bank is the only way to stop them from otherwise charging me to pay my mortgage on time. This is called " pay for pay '' and in currently illegal in several states. There is currently a class action suit being developed against Carrington and other companies that use this unethical, and often illegal method. Please address with this with them. I will also write to my elected officials and publicly share my experience on various forums and media.
Consumer complaint received 2021-09-03
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. (CT)

I filed dispute to have updated original loan amount of XXXX $ on my car loan with monthly payments of XXXX XXXX I also disputed the fact that my account was not in deferred status but was paid on time since XX/XX/XXXX until XX/XX/XXXX and should be reported on my account. Each month amount of XXXX $ was scheduled to be paid and were paid and should be reported. The balance on the account is XXXX $ and should reflect accordingly, instead credit agency removed my original loan balance to hurt my credit. I have summited documents to support my dispute, whatever credit report agency told me that they listen what creditor is telling them and creditor is telling me that credit report agency is reporting inaccurately so its back and forth hurting me and my finances, including job
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (TX)

I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

ON XXXX XXXX XXXX  I SEE THAT XXXX XXXX XXXX  WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM ANNUAL CREDIT REPORT SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD 4 LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX I am a consumer and natural person I'm writing this complaint as a victim of identity theft. Experian and XXXX has used and furnished my consumer report without my personal authorization, or written consent. Experian and XXXX shared my nonpublic person information to other companies. I have a right to privacy and Experian and XXXX has violated my rights by not exercising their grave responsibility to protect my non personal information with fairness, impartiality. and respect to my consumer rights to privacy. Experian and XXXX are in direct violation of the Gramm Leach Bliley Act of 1999, and the FCRA. pursuit to 15 U.S Code 1681c-2 Block of information resulting from identity theft. I demand these fraudulent accounts be removed from my credit report with in the next 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX or XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My loans went from XXXX XXXX to Sallie Mae to Navient. I work in a XXXX, and have been working there for 7 years. When I submitted paperwork for loan forgiveness after 10 years, I was told I was unable to do that with my loans. These were federal loans to begin with, so how can that be?
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

I received a notification on XX/XX/XXXX that Cash app had closed my account stating due to going against cash app policy. However I hadnt sent or received money via cash app in a few days prior to them closing my account. 

I attempted to read through all of my prior transactions with several representatives to gain understanding as to why theyd closed my account. I was hung up on several times. Additionally asked if I could speak with a supervisor and was then told that someone would email me however nothing. 

I did explain to them that I had received some odd notification stating that there was a login from an unknown device and asked if they could investigate if my account was possibly hacked. No response, a week has gone by and still no follow up and or explanation provided as to why they closed my account. I honestly believe it is an error on their end however they are refusing to fix and take accountability for their error and reopen my account.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (NY)

monterey collection agency is damaging my credit report with a debt that i do n't owe the company is constantly calling me threatng me and harassing me over the phone when i already have told then that the account that they are trying to collect is no mine.   but they insist this company is not respecting the law and they are acting like a mafia by using threats abusive language and adverse tactics to intimidate the people to collect money that the consumer does not owe.
Consumer complaint received 2024-01-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (ID)

I made a direct debt to pay a utility bill twice when my card had the funds to cover it. These transactions were pending, which you would know the funds are taken from me where I can not use that amount. It took a week or so for those funds to post when card company declined the payment due to no funds in my account to cover which makes no sense when I applied payment the funds were placed on pending. I have receipts from the utility bill with dates and amount. This is not the first time card company does this to me. I called them the reps are rude and refused to transfer me to management and said nothing more could be done for me and hung up on me. A year a ago the management said the same. I asked them to give me bank information to dispute and discuss and they declined. I did then mention I'm looking to file a civil lawsuit and that I am going to the XXXX
Consumer complaint received 2017-06-09
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: CITIBANK, N.A. (FL)

my card wasnt recieved my cards mail wallet phone was stolen while me and my employees went to  XXXX  i have airline tickets to prove none of us where in the country i never requested a line increase i never authorized or purchased anything and nor has my employees we where in  XXXX  and have proof now t here rebilling me the charges which is against the law they have violated my rights under the FCBA  the card that was used was under my employee   XXXX    XXXX  and it was aroun d 14000 in charges that arent mind
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (VA)

I keep receiving phone calls from Credit Corp Solutions. They either hang up, or ask for " XXXX. '' The most recent phone calls were on Friday, XX/XX/2019, and Wednesday, XX/XX/2019. I have told them repeatedly to remove my phone number and to stop calling me, but this has not been done.
Consumer complaint received 2017-06-09
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. (NJ)

XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, XXXX, or Equifax to include the following accounts on my report : - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Community Health Investment Company, LLC. (TN)

The date of the phone call was  XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company  is Professional Account S ervices. Phone number is  XXXX .  XXXX .  XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.
Consumer complaint received 2017-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (FL)

I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting balances on my accounts that are not accurate.    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  - No Balance Citicards - No Balance  XXXX  - No Balance  XXXX    XXXX   - No Balance  XXXX  Derogatory Public Record
Consumer complaint received 2024-02-23
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: SYNCHRONY FINANCIAL (IL)

In early XXXX, I received notice from Synchrony Bank that they were reducing my available credit to what my balance approximately was. The reason giving was one late payment ( which was paid without penalty after only a few days, after which I set up automatic payement ) and over utilization of credit. By lowering my credit score to match my balance, this creates the very problem they are complaining about ( overutilization ) and damages my credit score. This also sets the stage for other credit cards to arbitrarily lower my available credit on their cards because over " over-utilization '' further worsening my credit score and exacerbating a problem that didn't exist until Synchrony first reduced my available credit.

I fail to see how a bank or credit card company benefits by purposefully damaging my credit score and creating a snow ball effect destroying my credit, especially since I have paid on time and make more money than I ever have in my entire life. My credit score was in the low XXXX 's until synchrony took this action. Earlier this week, I received notice from XXXXXXXX XXXX XXXXXXXX XXXX XXXX  that they were taking the same action. My credit score now sits in the low XXXX 's, and this is after paying on time, having a mortgage and car, and making more money than I ever had. I now stay awake wondering which credit card company will be next, and how far down will my credit go -- even though I have made all payments on time! I did nothing to cause this decline -- the credit card banks did. I fail to see how destroying a person 's credit standing helps these company mitigate their risk, I would think it would increase it every time the score is hit for " over utilization '' caused by the credit card company NOT THE CONSUMER! 

If they are worried about risk, there are other ways of dealing with it other than destroying peoples credit. They were the one 's who extended the credit and set up the reporting system. They can deal with risk by suspending or denying further charges, or not giving out so much credit to begin with.
Consumer complaint received 2017-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my credit!