davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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. (OH)

I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My name is XXXX XXXX. I purchased the house in 2008. They included PMI insurance on the loan. For the last 4 or 5 years i have been calling them to see how they can remove it. I had them send out an appraiser around 3 years ago and they claimed that i still needed the PMI. I called on XXXX of this year they told me that they would send someone out but i would need to pay the appraisal fee. They came out and valued the house at {$240000.00}. I owe Mr. Cooper {$160000.00}. I called last month to get status and they advised that i did not need PMI any longer. I asked them if i was going to be reimbursed for all the unearned premium and they told me that they dont this. I need help i feel that for a long time they made me pay for something i did not need. I started paying {$200.00} and they refuced it to like {$130.00}. 

My loan number with Mr Cooper is XXXX
Consumer complaint received 2020-05-31
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. (MI)

on XXXX XXXX, My identity was used to purchase a cell phone at a XXXX in XXXX XXXX.I contacted XXXX XXXX XXXX fraud department and they confirmed it was fraud.I did file a police report with my local police department.I have tried many times to dipute this fraud hard inquiry on my equifax credit report and I get the same thing from them.Equifax says in there dispute results '' Inquiries are a factual record of file  access.If you believe this was unauthorized, please contact the creditor '' .I have demanded equifax to do a full dispute investigation and remove the XXXX XXXX XXXX hard inquiry but only to get the same dispute results.Because of this, my fico score is down and have a unauthorized/fraud inquiry on my Equifax report.If this CFPB complaint/dispute does not fix this, My next step is to sue equifax in court.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (CA)

Hello I was looking for personal loan for some emergency debt relief and to lower my monthly interests on cards. I was pre-approved from Payoff and have submitted all the documents. They ended up rejecting my application because my XXXX XXXX expires in 14 months and loan was for 3 years. All of XXXX XXXX XXXX expires in less than 3 years and then they need to be renewed just few months before expiration. 
I will also have my visa renewed. 
If Payoff needs a permanent residency or citizenship, they should mention that in application. I was said during application that XXXX XXXX XXXX can apply for the loan. 
They are not willing to get any other documents and confirmation for stay.
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TX)

From XX/XX/2022 to XX/XX/2022 I get repeated calls over an alleged debt that regarding a vehicle a purchase with someone. 
The people who are claiming the debt is owed can not provide me with any verifiable evidence such as the bookkeeping showing the date they loan me the money or credit or where they received the funds from to loan me the money or credit. They also refuse to send me a validation letter signed under penalty of perjury so that I could have thier full name to file a criminal complaint against them for trying to extort me. 
I have sent the CEO of Bridgecrest documents to address this matter but the CEO failed to respond. 
They call me EVERYDAY, almost. Sometimes, twice a day while I'm at work, even after I sent them a letter to CEASE and DESIST from calling me.
Consumer complaint received 2020-05-31
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. (MO)

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX  {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Dept of EDXXXX XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

In XXXX and XX/XX/2021, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

I have received 3 unsolicited Debit cards in the mail in the last few weeks. I have tried to contact the banks to cancel the cards, but not all banks were helpful. 

Chase bank : was able to cancel the card, but charges were still submitted before it was cancelled.100+ charges for les then XXXX XXXX for {$160.00}, but they also deposited the same amount. 

XXXX : Card arrived, but never activated. Tried to call. but they wanted too much info. 

XXXX thru XXXX : XXXX arrived, but never activated. 


Actions : contacted local police and filed a complaint. 

Filed a credit report fraud and put a freeze on the credit agencies for 7 years. 

Contacted my credit cards to notify them of what was happening.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (MN)

Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
Consumer complaint received 2017-09-19
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. (NV)

Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (RI)

When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

On or about XX/XX/2020, I received a call from payment solutions/collections with an offer to settle my past due balance and close the account as I have had so many problems with this account. On that day, I spoke with XXXX XXXX ( XXXX ) and came to the agreement of paying off my past due balance with the financial hardship help from Comenity Capital Bank ( hereafter Comenity ) via a program Comenity was offering for those hardest hit from the COVID-19 Pandemic and experiencing hardship. The settlement came down to the terms of paying an initial down payment of {$30.00} or {$35.00} over the phone with Ms. XXXX and subsequent payments of {$69.00} biweekly for 6 months as scheduled for automatic payments via XXXX XXXX from my banking institution. In return, Comenity would waive all accrued fees in the amount of some {$320.00} upon completion of the terms of agreement. All payments were satisfied on my end, however, Comenity failed to meet their end of the agreement. In XXXX, I received an email from Comenity/XXXX XXXX  stating my statement was available. So I opened it, log in to Comenity 's XXXX XXXX portal, only to find a balance of {$320.00} remaining when in fact my account balance should be XXXX, as agreed. I called in to discuss these details with representatives but NOONE seem to know anything. I got tossed around in que for over an hour, still with no resolution. After speaking to a supervisor, I was tossed back to payment solutions because he rudely stated that he could see no notations and couldn't pull the call pretaining to the terms of agreement. Get back over to payment Solutions and the rep identifies the call record and notes, but her system went down which made her abilities to rectify the issue utterly useless to assist me further in this matter. The rep then tried to contact MsXXXX XXXX but the agent was reportedly not working on that day. I'm exhausted with Comenity as a creditor. It has not been a decent customer experience and I can not wait to satisfy my obligations with Comenity and be done with them and XXXX XXXX forever. I have yet to call back to try and find MsXXXX XXXX in hopes of resolving this problem as I ABSOLUTELY hate to call Comenity, it takes hours out of my day, and makes me feel ill. I have done as agreed between myself and Comenity, it is Comenity 's failure or breach in the agreement that " unwarrants '' harassing collection calls and an open account with Comenity Capital Bank/XXXX XXXXXXXX card.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, Experian and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX XXXX and Equifax and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NY)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2019-03-07
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: DISCOVER BANK (CA)

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Discover Bank Inquiry Date : XX/XX/2018
Consumer complaint received 2019-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

XXXX XXXX XXXX is my mortgage lender. I'm owed over 900 dollars in Escrow Refund and supposed a check was sent XXXX XX/XX/ 2019. ( It is now XXXX XX/XX/ 2019 ). I was instructed to wait 14 business days to receive a " Paper Check ''. Even though I electronically debit my mortgage bill every month. Even after I complained I got a message to wait 14 business days after waiting 14 business day. 

I've sent multiple follow up messages and get ignored. Also I tried to call the message said " call back later we're busy ''. 

This is very shady because they collect taxes from my county. I have a homestead exemption with the county and feel like they are committing fraud and not servicing my loan properly. I have no recourse  when they raise my escrow payments, like they did last year and now they have to refund me because I have been overpaying. 

Instead of getting some robot voice, or trained sea animal to respond to my messages I will hold them accountable and submit this complaint.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (PA)

On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (PA)

I applied for a BJ 's Perks Mastercard which is issued and administered by XXXX XXXX XXXX. They denied me stating they could not verify my identity. When I contacted them what was meant by this statement I was transferred four times and then finally told they had no explanation for the statement they could not verify my identity.
Consumer complaint received 2020-12-08
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. (NY)

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to Transunion, XXXX and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO Bank, N.A. (NJ)

On XX/XX/XXXX I made a {$400.00} payment to my installment loan that was rejected by my bank, I believe I typed a wrong number in. After receiving a late notice, I called on XX/XX/XXXX and made a payment in the amount of {$720.00} which the representative said would be my payment that would cover both my XXXX AND XXXX payments in full. And that my next payment due would be {$390.00} on XX/XX/XXXX. On XX/XX/XXXX I received an email that my XXXX payment was late and that I owed {$270.00}. The representative then told me I owed {$150.00} to bring XXXX current. After speaking to the multiple people I was transferred to a supervisor named XXXX who took the time to review my account. She stated that the XXXX payment was not allocated correctly and that nothing was posted to XXXX. Stated she put in work item # XXXX to correct the issue and that I would be paid in full for XXXX and my next payment due would be XX/XX/XXXX. On XX/XX/XXXX I received another notification that my account was past due. I called and was told that I owed {$150.00} for XXXX and that the work item was rejected because it was not the right amount to pay my account in full for XXXX. I spoke with several unhelpful people who could not understand the original issue. I did not owe the full {$390.00} in XXXX because my XXXX payment additional principal was instead posted towards XXXXXXXX XXXX payment. Several representatives stated they could not give me a copy of my XXXX statement to show what my payment due was because they do not keep copies of the statements that get mailed to customers. There is no online access for this type of account at BMO. I paid the {$150.00} payment on XX/XX/XXXX to payoff my XXXX payment. My XXXX Payment was then only {$270.00}, which makes no sense and none of the representatives could tell me why my payment was not the correct amount of {$390.00}.