davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (DC)

The website to pay bills is dyafunctional well over half the time I try to pay. It seems intentionally difficult to log in and get bills paid. This company not investing more in maintaining critical payment infrastructure in this day and age is an utter disgrace and can only be explained by malicious intent on their part to make customers miss payments and then be able to charge penalties and interest. 

The blame for I don't know how many cases of missed payments probably lies upon Synchrony and their terrible system, with purposeful roadblocks thrown up to prevent easy repayment. The fact that they can make money off of this is absolutely infuriating.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show mr proof of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This letter was sent to capital one due to some inconsistency of reporting on my credit card account ending in XXXX. I was charged late fees on an account already closed and I had no notification whatsoever. The company doesn't want to reverse the entry, meanwhile I've desperately tried to get their attention on this matter since it has caused so much stress on me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX Phone # : XXXX Capital one Bank Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Account # XXXX CASE ID : XXXX To whom it may concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Capital one for many years. During the course of our business association I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, last week something strange happened. My account was reported 30 days late due to an unforeseen circumstance. In fact, the account has been closed for a couple of months now, but there was a balance reported on it around XXXX of this year surprisingly for a XXXX account in the amount of {$1.00} XXXX. I completely paid off this balance on XX/XX/XXXX ; little did I know that I was being charged again for some kind of interest on purchases for {$18.00}. I would like to reiterate that the account is closed so I have no way of receiving notifications unless something is reported to the bureaus. So last week that amount was reported late for a total of {$73.00} including late fees and interest again. However Ive taken care of this balance on XX/XX/XXXX and the account is now at XXXX again. I made sure to fulfill my obligation to ensure your company suffered no loss whatsoever. My account had never been late throughout the years of my relationship with the bank. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now this late payment on my credit report has caused a tremendous amount of stress for me and my family. Im in the middle of closing on my first home but the negative remarks have swindled the process sideways. 

This is where my goodwill request comes in, I desperately need to close on this house and I would be extremely appreciative if you would please complete a UDF-Universal data form and fax to the credit bureau to remove that entry. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how I had an account with you. 




Kind regards, XXXX XXXX
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

On XX/XX/XXXX I received an update to my payments remaining for XXXX that did *not* include my current employer for which I have submitted an employment certification form in the Fed Loan Servicing document upload for it. The last month my employment certification has listed qualifying payments for is XX/XX/XXXX ; however I have remained employed consistently with the same qualifying employer since then. It is not XX/XX/XXXX. I have uploaded the completed updated employer certification and now that the eligible payments have been recalculated, I need them to be updated with the latest documents.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-06-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (CA)

I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

We have contacted the mortgage company several times about the a {$7000.00} K fee that can not seem to be explained to us. We 1st had our mortgage with XXXX. Citi is saying that we have a loan with them that neither of us can point to that we had. Later the loan was sold to XXXX XXXX. It has now been sold to a XXXX XXXX. It still has this XXXX fee that no one seems to have an explanation of why it is there. There are no specific dates that I have that can be supported. We have been trying to address this issue for over 10 years now with no results.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

I applied for a secured credit card with Discover Financial Services on XX/XX/XXXX and was approved. On XX/XX/XXXX the account was opened. On XX/XX/XXXX I was sent an email requesting my signature for IRS Consent form XXXX Then on XX/XX/XXXX I received an email saying my account was closed because they were unable to verify personal information. So now as I am rebuilding my credit I am set back even further with a closed account on my report. The 4506-C clearly should have been sent before the account was opened. Additionally, when entering my income in the credit application there is no mention that they may ask for tax information from the irs. I think they should be more clear to the consumer that it is very probable that they will request a 4506-C after the account is already opened.
Consumer complaint received 2017-06-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I sent and requested information from this alleged Trust. <P/><P/>Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX <P/>I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.
Consumer complaint received 2021-11-30
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. (LA)

I have disputed a fraud account with Equifax several time and it comes back verified. I sent in a FTC report as well as a police report and noting change. I sent in certified letters though the mail and several conversation on the phone with Equifax still no results. I fed up and this is hindering me from getting things i need with my credit. Please help. I also have a complaint about how can a collection be disputed one day a be deleted and three days later put back on your credit report?
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (AZ)

I was trying to open the Citi XXXX checking account for the last 10 days. 
XXXX XXXX XXXX. Completed online application, went thru verification process, setup the initial deposit money and everything done successfully. 

Citi has a usual habit or pattern of making simple things complex. Moreover Citi has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. Just because they are issuing me the check book and in the name of customer security - they asked me to send the signature card. Which i send it successfully using the online fax last week. But once they are asking me to do the same. This is ridiculously waste of time, resources and money. 

When i called upon the phone # in the email : XXXX. It has the XXXX based system which expects that customer has their account number ready. As my account is not open till now - how i can provide my account number? They have alternative way of verifying the customer like last XXXX of XXXX but that option is also not working. 

For my spouse XXXX XXXX - similar kind of stuff happened and finally she gave up.
Consumer complaint received 2021-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

On Wednesday, XX/XX/XXXX I called XXXX to try to get a security system. They used Equifax to check my credit. They found no record of me. On Thursday XX/XX/XXXX I called Equifax directly and was told that I did not have an Equifax account. When I inquired how that could possibly be as I was a XXXX XXXX XXXX former home owner with multiple credit cards, the Equifax customer service representative argued with me and told me that I simply did not have credit with them. When I expressed my concern and asked to speak with his supervisor he refused. When I checked my credit report, the last time Equifax reported on me was in XX/XX/XXXX. This week of course I read what happened at Equifax. I called the Equifax help line and explained my situation. The woman on the phone had no remedy for me. She told me to go to the website they had set up to see if my account had been affected ( even though I told her that my account had been erased on their site ). I went on their help page and put in my info and got a message saying I was n't affected! I am beyond upset. My Equifax account has obviously been hacked and erased. The company is offering no resolution. I need help. I tried to freeze my XXXX account online and could not because some of the security questions did not apply to me. I am quite concerned about identity theft at this point.
Consumer complaint received 2022-04-25
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. (GA)

Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Equifax is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter.
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

I am a single parent and co-signed my daughters loan in 2010 with Sallie Mae. Her father co-signed subsequent loans. I just discovered this year that my interest rate is well over 11 % while her fathers is in the 8 range. We have similar credit histories and salaries. I feel as though I was discriminated against.
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Ricart Financial Services (MS)

XXXX XXXXXXXX Payments:XXXX XXXX/XXXX/2014 THIS  CAR LOAN WAS AN REPO. CAR WAS SENT BACK IN GOOD STANDING BUT IT STILL REMAIN ON MY CREDIT AS CHARGE OFF AFFECTING MY SCORE & FUTURE PURCHASE
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (WA)

The Equifax security beach has exposed myself and family to loss of personal identity, financial distress, and flawed credit. The generic response to inquiry leaves me even more vulnerable to attack with a less than professional and secure PIN. The security of my identity is now a main priority and I should n't have to shell out money to a company that allowed it to happen.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (GA)

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. 
I need this corrected.
Consumer complaint received 2021-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MA)

I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ). 

Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.