davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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. (CA)

A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (RI)

chase contacted me and was offering a 70 % paying {$1500.00} reduction in balanced owed but the payment is to high for me to pay in 3 months @ XXXX $ - i asked to extend it to 4 months to bring price down to {$380.00} for me to afford payments and they will not
Consumer complaint received 2024-02-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington Mortgage services returned my XX/XX/2024 payment twice. They would not accept secured payments from my bank. The last return was on the XXXX of XXXX which left insufficient time to get my payment processed before incurring a 30 day late. They would not waive the 30 day late reporting to the credit bureaus even though it was Carrington Mortgage services error.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Equifax is allowing XXXX and XXXX XXXX systems to report the same account twice on my report. Both are for the same dollar amount and are the exact same debt from Hamptons at XXXX XXXX. I told Equifax which has already admitted the error, and they have done nothing to get this fixed. I 've disputed these accounts 6 times over the past year and was finally told that the account numbers are different which prevents them ( Equifax ) from removing the inaccurate info on my report. I was then instructed by the associate on the phone to contact CFPB to report this ILLEGAL credit reporting. I am contacting an attorney in regards to this matter because it has caused a huge issue in my personal life. Please feel free to contact me regarding this matter. XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NJ)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (NY)

Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Original XXXX : XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$580.00} INQUIRIES : XXXXXXXX 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 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 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 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MS)

In 2019, my credit card account fell behind and it was sent to collection at the descretion of Stein Mart, the credit card company.

I paid the collection as requested by Stein Mart 's collection agency. 
The account was still showing as the full balanced owed on my credit report. 
I filed a dispute with the collection letter and the payment confirmation of such. The dispute from this creditor now shows it as a charge off and still with the full balance owed.
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (OK)

Made payment XXXX/XXXX/2016 by phone, it was never posted to my bank account, then get letter on XXXX/XXXX/2016 stating the check had been returned for NSF, I checked with bank and amount was never posted to my account, that had at ampule amount to cover payment, also the amount they stated was NSF was not what was charged on that phone payment, they add XXXX charge and and the letter letter only had XX/XX/XXXX regular payment amount, we paid the property taxes ourselves, because the mortgage company did not, but they show on their records they did, they 've added late payments each month, which were not, they will not send statements, we have asked several times, we were discharged from Chapter XXXX on XXXX XXXX, and they still will not discuss with us any information on our loan.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MD)

Just need a 1098 in order to file my income tax return. 

Caliber does NOT provide the doc through their online access. 

Despite the phone service rep ( XXXX ) offering to email me the firm, I could not access the document that required a separate sign in. Instead of being patient, XXXX attempted to rush me off the phone at least 4-5 times by saying " I'm going to leave you to it ; '' in spite of my insistence that the sign-in was not working. After at least 3 repeated attempts to reset a password that I was able to sign into my account for, the password reset for the secure message still would not work. 

XXXX offered to mail me the form ; despite not having the correct address. After providing her an updated address, I asked to speak to a supervisor. XXXX stated that a supervisor was not available. 

I had to hang up with her. Call back to get a new rep ( XXXX ) ; and request an " escalation. '' This is my 2nd CFPB complaint against this company. They should be put out of business. They exist to foreclose on customers, not to properly and professionally service loans.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (GA)

On XX/XX/2022, Upgrade received my debt validation letter on XX/XX/2022. I have not received any confirmation within 60 days of this validation. Within this time period i have not received the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Consumer complaint received 2020-07-08
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. (CO)

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2018, I noticed Wells Fargo put a negative mark on my credit report because they stated I didnt make a payment on one of my school loans. I made the payment but it was posted to the wrong account. I contacted XXXX XXXX XXXX XXXX and they refused to remove it off my credit score and this dropped my score by 70 points, and Im trying to refinance my loans. Can you please assist me in getting this corrected
Consumer complaint received 2022-08-11
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. (PA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CA)

On XX/XX/XXXX I began a course of treatment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wound, Ostomy, and Hyperbaric Center ( Center ). On that date, and subsequently on XX/XX/XXXX, I signed an " Authorization for and Consent to XXXX or XXXX XXXX XXXX XXXX XXXX' form. That form contained a notification that " independent medical practitioners '' would be submitting a separate billing for my treatment at the Center. XXXX would send billing for the use of the Center.. For services provided from XX/XX/XXXX through XX/XX/XXXX I received a separate billing from SAMC for use of the Center and a separate bill from the physician for the medical treatment. Commencing for service billings in XX/XX/XXXX through XX/XX/XXXX XXXX sent me combined billings for both the physician service and the use of the Center. My treating physician continued to bill for services separately, per previous practice. 

When I became aware of this change I contacted XXXX  in XX/XX/XXXX regarding this discrepancy. Over the intervening period I have had multiple contacts with XXXX representatives. In XX/XX/XXXX I was advised by the XXXX Risk Manager that she had authorized a correction after XXXX of our meetings, but that it apparently had not been implemented. 

In XX/XX/XXXX I was advised that my account had been turned over to a collection agency.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account 's : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I experienced a phishing email scam that said my Coinbase account was disabled then had my Coinbase account stolen from. The funds stolen from were worth around {$3400.00} at that time. I fell for the email phishing on my mobile device and put in my account information for Coinbase and my XXXX mail account. I contacted Coinbase the next day to see if they can cancel the transaction or reimburse me, which they said no to. I am both embarrassed and frustrated that I fell for this and was so careless, but I expected Coinbase to be able to resolve it because they had the transaction numbers and the IP address of the attacker.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NC)

I have refinanced my primary home address XXXX XXXX XXXX , XXXX, NC XXXX on XX/XX/XXXX XXXX from XXXX to Better mortgage. but better mortgage did not pay refinanced amount to XXXX XXXX till XXXX. almost 110 days after closing. 

meanwhile, XXXX XXXX kept on communicating me over phone and mail to me since XX/XX/2020 that they want their mortgage or they wil report credit agency. 
my credit and my paymnet history is superb in my life. and i kept on talking to Better mortgage and XXXX XXXX  about this mess and i was very under pressure and upset about this mess. 

now better mortgage did settlement with XXXX XXXX on XX/XX/XXXX and they also took XXXX USD from me as settlement. meanwhile XXXX XXXX also reported credit buiero and my credit history is still bad and i cant get loan. 
I have letter from XXXX XXXX that its not my fault and their fault. I believe Better mortgage did breach the contract for not paying loan for 110 days. so I want to claim my financial loss and time loss with better mortgage and XXXX XXXX. 
my profile is also got damaged first time in my life which caysed my otehr business plan to purchase hotel. Its been more then 200 days and my issue with refinanced still distubing me as my credit is still bad. I really need help with authority to help me Regards XXXX XXXX email - XXXX phone - XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (NJ)

I recently went to try and use the card I had for a long time only to find out they closed my account. My old card was stolen and I reported it in 2022 they sent a card to me XX/XX/2022 but I never received it and they confirmed the card was never activated. I explained I had the card locked the entire time because I never received it. So they closed the account for a card i havent received in over a year and damaged my credit scored by removing the account. Which is beyond unfair. And tell me my only option is to apply for another card
Consumer complaint received 2021-09-10
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. (MI)

TransUnion updated my credit score -46 points, but the only thing that changed on my file was a {$4.00} increase in One credit card account and a {$20.00} decrease in another credit card account. Despite my on-time monthly payment lowering my debt last month by {$16.00} and my credit score went down 46 points In other words if my debt goes up {$4.00} a month TransUnion drops my score -50 points, then when I reduce my debt by hundreds of dollars each month my score would increase 3-6points. This shows a pattern or practice of irresponsible financial practices and needs to be stopped