davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 threXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

Regarding CHASE SAPPHIRE PREFERRED CARD : What : Chase out of the blue sent me a regular mail letter threatening to close my card forcibly, potentially damaging my credit. Had i been traveling or had the letter been lost I would have had my credit damaged. 

>My card was set for AUTOPAY IN FULL -the money was available for them to take. 
>I have all billing set for electronic receipt - but this critical notification was sent by regular mail only. 

Why : Chase said that the credits issued to my account were over the amount due for 2 cycles. 

My reaction : >So if credits were over amount due - then I don't owe anything -- what is the problem? 
> My card is set for AUTOPAY IN FULL. So if I owed anything - they had full authority to take it. 
> How was I to know there was any problem whatsoever? After they didn't take the money out of my account - I actually called them after each cycle and asked if there was a problem. Customer service said no. 

Then I got their letter threatening card cancellation. 

>CHASE SEEMS OBLIVIOUS to their legal consumer credit responsibilities. They failed to inform me - both verbally when i called customer service - and in a timely matter ( in my case this would be via email which is how I have elected to receive all my statements ).

> I STILL CAN'T FIGURE OUT WHY HAVING CREDIT as i did means I was behind payments when they had authority with AUTOPAY to take out whatever was due.
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX citizen retired in Florida who has had a XXXX score of over XXXX for many years. 
I learned via my XXXX card that my XXXX score was XXXX, a dramatic drop of over XXXX points from my XXXX score of XXXX! 
Since I use automatic payments to pay my bills, I explained to the XXXX staff that the only relevant item I could think of was the recent increase in its credit line. While I appreciated that confidence in my financial strength, I did not request such increase since I pay my credit cards in full each month.. 
It is not clear to me what data was used to cause this dramatic XXXX decrease ; that is why I decided to write to your agency for your assistance in determining the facts. 
Let me conclude with noting that if anything, I would believe my score should have gone up since XXXX given the sharp increase in the stock market. 
I thank you in advance for your help in answering my question as to the manner in which my XXXX score was determined.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Went to Ace check cashing to cash a money order today the clerk was very rude at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX the District Manager is XXXX  XXXX. XXXX did not offer me the opportunity to pay any of the amount that was due she simply kept the entire check and processed the amount owed plus a fee of XXXX Ace check cashing never made me aware that any fee was due i didnt expect the check to be returned it was from XXXX XXXX and i have a letter that shows they issued me a payment. I have had an account with Ace check cashing for 10 years I also have XXXX card and XXXX small business account. Of all the years of going to the various locations and interactions at the store locations I have never been treated as poorly as today. There is video footage of this incident and I will be reaching out to the XXXX  or agencies that regulate financial check cashing franchises. This is a communication that shall serve as notice and opportunity for internal resolution regarding financial services. Additionally, because if her behavior I aim to establish an official grievance about the methodology of your collection practices dont let insufficient technology nor disgraceful employees representing the Ace Check Cashing brand undermine your business operations. Customers deserve to be notified of past balances due or alerted to scenarios that there checks did not clear to contact the issuer as well as make arrangements with Ace as necessary. The money I presented to Ace Check Cashing was necessary for bills and medical issues. IT was just as if being robbed that procedure needs to be mended. I have cashed other items after the XXXX XXXX Check and no balance was ever mentioned to me. This is definitely unfair she took almost 88 percent of the money with no warning a stern face and impolite mannerisms. 
Please reach out to me immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Total Card, Inc. (CA)

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with TOTAL XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with Total. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

My mortgage lender has been unable to pull data from Equifax. They need a trimerge report, they have tried with different companies like XXXX XXXX and have unable to. I myself have tried XXXX and XXXX  and Equifax comes back as blocked. 

I have called Equifax over 3 times and they have informed me, that there is no block or security freeze.
Consumer complaint received 2017-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation (CA)

Someone calling him/herself XXXX XXXX XXXX has contacted me attempting to collect an alleged debt. I have demanded that XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX is authorized to act in loco creditore. XXXX has failed to provide all of the information I requested.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

Please see attached
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I sent a Certified letter to the collection agencie Calvary SPV I, LLC on XX/XX/2020 Disputing Validation account # XXXX Original creditor XXXX, Calvary SPV I, LLC response was a letter dated XX/XX/2020 and another letter on XX/XX/2020. The acknowledgement of the dispute is receipt and would inform the consumer reporting agencies and fails to investigate and deliver a full validation of the account, Recomending to write again with in 150 days from the date of the letter. 
I then proceeded to request a validation on XXXX  and was removed ,30 day the account was reinserted. 
1-.According to FDCPA if they have not yet validated your debt and still continue to report to the credit bureaus its a violation FDCPA Section 809 ( b ) FTC opinion letter case from XXXX  2-.This account was never reported to XXXX  as Disputed with in 30 days violation FCRA Section 623.

3-.Account Reinserted without notifying in writing within 5 business days violation FCRA Part ( A ) ( 5 ) ( B ) ( ii ). 
4-.A validation on account was not met satisfactory needs FCRA, contract and signature.

I m attaching some of the documents that I have in my possession that support my claims.

My request is that this account that is not mine be Removed from all 3 Credit Bureaus XXXX, XXXX, XXXX.Reason : Defamation, Financial Injury.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I recently checked my credit report and found debts from a debt collector called Commonwealth Financial. First and foremost, I have never received any form of phone calls or letters at all from this company stating that I owe debts to them. I have never spoken to anyone from this company either. So when I saw Commonwealth Financial has listed the open date for these debts on my report as XX/XX/2018, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX XXXX as it states on my credit report. I have not visited any form of hospital or medical facility in many years. I believe, Commonwealth Financial has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year I last visited a medical facility, but what I do know for certain is that it was not this year. So if they did re-age my debt, Commonwealth Financial can sue to collect a debt that may be so old that it should have been time-barred. This is an injustice occurring all too recently with debt collectors.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (FL)

XXXX XXXX XXXX XXXX XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

Ford Credit Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / ACDV / Research Department / CFPB Reason For Dispute payment processed XX/XX/XXXX ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic.

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Consumer complaint received 2019-05-23
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: SYNCHRONY FINANCIAL (MA)

There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from SYNCB/QVC, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Consumer complaint received 2018-06-22
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. (NV)

In XXXX of this year 2018 I pulled my credit report, due to the fact that I was looking for credit. When I pulled my report from all three credit reports, I noticed that there was errors, and information on my credit report that was fraud, and, incorrect information being reported. I then started the process of trying to fix information on my report as, I found out that I was a victim of Idenity theft and, also my credit information from Equlifax was breached, and was never notified by Equlifax. Someone was using my information to open accounts, at different banks, and so fourth. 1. XXXX XXXX  XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX. I sent Equlifax the Identity theft report and, my Driver Licsene, my Social Security Number a bill to prove who I was. I also filed a FTC Identiy theft report, along with the police report. I disputed these accounts and, they were removed. Now I checked my credit report with all three credit companys, and they have been helpful with fixing everything, except Equlifax, they put back on my credit report XXXX XXXX  and, XXXXXXXX XXXX XXXX XXXXXXXX which I never had these accounts they were reported as, fraud. Equlifax did not even send me a letter letting me know that these fraud accounts were put back on my reort. Equlifax, or the furnisher, XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX XXXX 120 days from the time I filed these accounts amoung others as, fraud enough time to explian why these fraud accounts were placed back on my credit report. According to FCRA 611 ( A ) ( 5 ) ( b ) THESE ACCOUNTS WERE DELETED CAUSE OF THEFT. It upsets me that Equlifax is so careless about my credit report.
Consumer complaint received 2017-12-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Consumer complaint received 2020-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : 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 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a GM Mastercard which had approximately XXXX points attached to it. Capital One took over the card and began changing the rules of how points could be attained and used which I had not agreed to. As of XXXX 2016 they had " adjusted '' my point balance to {$2600.00} and shortly after canceled my card. I recently bought a GM vehicle and tried to use my points as part of the purchase. After several phone calls I am told that Capital One has no record of my account at all and if there was an account, the points went away when the account was closed. These points were worth {$1.00} each and were earned by my purchases. Whatever happened was totally dictated by Capital One with no ability to challenge any of these decisions.
Consumer complaint received 2020-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : 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 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

We submitted a Request for Mortgage Assistance to Chase on XX/XX/18. We are NOT in default. However, we were forced to pay this month 's mortgage payment after the 15 day grace period and logged in to our Chase account to find the ability to pay online had been revoked. When I called to ask why, I was told this is their company policy to force people to call in once they've requested assistance. While I understand the importance of maintaining an open line of communication when attempting to work out some sort of mortgage assistance, it seems to me to be counter productive and also creating an undue hardship in one 's attempt to pay their mortgage payment. Purposely throwing up a roadblock to that end makes it seem as if Chase wants its customers to go into default because at times, like in my situation of XXXX small children and both me and my husband often too busy to pick up a phone to call in a payment, it is an actual hardship to revoke online payment access. Thank you.