davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (SC)

Multiple discrepancies with original servicer of account. I have an active current account with the original servicer that is paid as agreed. Some how a equipment discrepancy from a previous address was reported as a collection even with me still having active services. I had to go to the branch and suffer through multiple rude and disrespectful customer service agents. Only to prove the error was internal and should never have been sent collection.
Consumer complaint received 2024-02-29
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. (PA)

I called to create a dispute with the XXXX XXXX company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their 30-day period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of XXXX XXXX, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

I need transfer money from PayPal account to my XXXX XXXX  checking account. 
Was happen once and was working fine. ( XXXX ) after this bank was removed from my account ( by Paypal ) and since this time I can't link this bank again and transfer my money. Paypal support is terrible I can't call because system end call before anybody answer the call and say sorry ... 
Support by email is not working they ignore my messages and never fix anything. 
Last Friday XXXX XXXX ) I spoke with real person ( they call me ) I was tell I need to wait XXXX before I can add my bank and transfer my money. Nothing works, is still not working and I'm back to binging. They hold my money and look like they want benefit from this or something. PayPal service and support is the worse I aver experience in my life. Nobody do anything is just empty promises and text exchange. I use this account for XXXX sell and is shame XXXX is involve in this terrible service, where they keep my money long as they want and nobody can do anything and check how many people have the same problems.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/2020 I was shopping for a mattress at JC Penney website. Looking at a great mattress that we loved, we thought it was a bit high in price. However, at the bottom of the offer, it stated that if i open a new JC Penney card i would get free financing for 12 months and a 15 % discount. 
Given that I have an almost perfect credit history in the 820s, i figured this is our way to get the price we were looking for, and also pay it along. 
So initially i applied and got an answer that i would get an answer in 5-7 business days. I called the JC Penney number as i was in the process of purchasing, and usually at the store they approve it on the spot. They transferred me to Synchrony Bank which told me that i was rejected. I asked for a reason, they said i would have to wait for the physical letter to see the reason. I reminded them i have very good credit, and that i wanted to take advantage of the offer. There was nothing they can do. 
Then, as an alternative, my wife that has about 816 point credit rating applied too. The same happened to her. She was not accepted online either and therefore no discount or financing offers for us. 
Last week we each received a denial letter from Synchrony Bank. Our application was denied for the following reasons : High Risk Source of Application Is that JC Penney website? Why does Synchrony advertise there then, it sounds like false advertising either from JC Penney or from Synchrony? It got me. 
We have not lost jobs, we do well financially, and our credit is impeccable. 
I believe the risk is probably with JC Penney and Synchrony, as most likely we'll pay the cost eventually without extra fees and go over the time limit for the offer for late fees and penalties.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ID)

My original student loans were through Nevient and since I am XXXX and on XXXX I am unable to work, therefore pay back what I owe. In 2016 i was called by XXXX XXXX XXXX XXXX as a loan forgiveness program. Since i am XXXX and receiving no help thru my loan company I signed on to this program. Since signing on I am charged {$19.00} a month and my loan balance keeps increasing every month on my credit score. I have tried calling with no success of getting a hold of anyone from the original loan program to the student relief program. I feel like I have been scamed all around ... and just need this nightmare to end.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

My loan was transferred to First National Bank shortly after closing. This bank very limited options for making payments on a mortgage and their policies seem intentionally designed to incur fees and harm consumers. 

The only options are as follows : To pay by phone, which generally involves absurd hold times, transfers and promised call backs which do not actually happen. There is no option here to set recurring payments, schedule a payment, or save account information. This is intentionally designed to discourage this method To pay via third-party bill pay. which they make as difficult as possible by obscuring the proper address, and procedures and making it impossible to view your account status, balance or payment due online. There is literally no way to view account information online, you must wait for the paper statement each month, assuming they decide to send it. 

To open banking accounts with them. These accounts are fee-based, non-competitive and the only reason one might open them is to be able to pay their mortgages conveniently. This entire setup, with the limited options, seriously antiquated website and insufficient phone staffing, seems designed to force consumers, who did not choose their mortgage servicer, to open these non-competitive accounts and generate unjustified revenue for the bank. This entire process is exploitative and predatory and should be reviewed.
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (NV)

I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (NY)

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

XX/XX/2020 ~US Bank Relicard denied atm withdrawal with money in account. 
~Called customer service. 
~was told account is locked. 
~faxed identity information to reliacard after already confirming and needing the account unlocked immediately ~I was told to wait 5 business days XX/XX/2020 ~a week later ~have not recieved fax ~told to wait 7 more business days I HAVE ZERO ACCESS TO MY MONEY AND I'M HUNGRY AND THEY WILL NOT UNLOCK MY CARD THAT SHOULDN'T BE LOCKED ANYWAY. 
reliacard, us bank and unemployment have made zero effort to help me and have waited on hold for hours and hours and hours on end.
Consumer complaint received 2020-09-21
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. (MS)

ON XX/XX/2020, I SENT A LETTER TO EQUIFAX AND XXXX DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TN)

I had an account with Affirm which I did let go past due, but I paid it off in full not long after. Affirm has reported and is still reporting the account as open & late, even though it has been paid in full and should be closed. I have disputed this report & the status was not changed.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC ()

I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up. 

Thank you XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, Equifax, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ).

Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date.

Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2023-03-22
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. (WI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc. (MI)

This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.