davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (OH)

COMPLAINT REGARDING : XXXX XXXX XXXX XXXX XXXX, oh XXXX I applied for XXXX XXXX credit card through XXXX XXXX which insures my XXXX vehicles and personal residence. 

XXXX XXXX  XXXX XXXX, Ohio has illegal reasons for denial of credit for credit worthy customers. They cits a secret risk score known as behavior risk score which I have never seen before. They are listed all over on the internet Ripoff reports and businesses where consumers had the worst experience. 

XXXX XXXX  denies me credit card despite my household income north of {$400000.00}. My FICO score is exceptional and has no delayed payments. I am a responsible consumer. 

I believe that bank uses discriminatory lending practices based on age and foreign last names despite the fact that I was born in United States and enjoy a financially stable life. 

XXXX XXXX has a very poor record of charging its customer predatory fees which you can see by going to XXXX. 

It is my belief that I was denied credit based on false assumptions of underwriting department regarding my last name and my actual age which is greater than XXXX despite the fact that bank if required under Ohio state laws to make credit equally available regardless of race, religion, sex or age as long as consumer has the ability to pay its obligations. 

When I called the bank today at XXXX, the representative tried to confuse me and wont give me a phone number to allow communication to occur. Their letter of denial lacks this number as well.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CLEARING CORPORATION (OK)

Please reference my previous complaint previous complaint number is XXXX I am still having the exact same issue as in the first complaint, Mortgage Clearing is not applying my extra mortgage principal payment in time, or properly. 

After my first complaint they complied for awhile, now they are back to the same old thing, not applying our extra principal payment on time. 

Thank You
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (TN)

In XX/XX/2008 I took out a student loan with XXXX XXXX. I defaulted on the loan. Now the contract has been breached because it has changed companies. Navient has the contract and they are using another collection company to get me to pay.The company is XXXX XXXX XXXX XXXX. The amount owed is $ XXXX account is over XXXX years and needs to be deleted from my credit reports.
Consumer complaint received 2020-10-19
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for Experian and XXXX besides the companies which I spoke with explaining my situation.
Consumer complaint received 2020-01-26
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: ALLY FINANCIAL INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I graduated from XXXX in XX/XX/XXXX and have had the displeasure of having loans with XXXX XXXX. 

First, it is impossible to make any kind of instant one-time payment without incurring a fee for making an additional payment, regardless of payment format. You CAN send a check in, but that will not reflect the interest charged during transit and before review. 

So, if I want to pay off my loan early, I have to modify my recurring payment and wait until the auto-payment day comes. But heres where the real headache comes in. After spending 45 minutes on hold both on the phone and via their online chat, XXXX told me that they could not provide me with a full payoff amount. Thus, by the time my recurring loan payment goes through on, say, 15 days later, it will not be enough because of the 15 days of interest. But wait, theres more. XXXX will NOT let you set up a recurring payment for more than you owe on the day you set up the payment. 

What does this mean for me? On XX/XX/XXXX, I wanted to pay off my entire {$3500.00} loan, so I set up a recurring payment for the next available date ( XX/XX/XXXX ). I was only able to set it up for {$3500.00} because that was the amount I owed on XX/XX/XXXX. Of course, today, XX/XX/XXXX, the amount I now owe is about {$3500.00}. So now I owe {$50.00} which will continue to accumulate interest. I can keep my recurring payment of {$3500.00} set up, which will take care of that {$50.00}, but then I have to wait 6-8 weeks before XXXX cuts me a check for my {$3400.00} overpayment. Well thats not going to work, so I modify the auto payment once again for {$50.00}. Of course by the time the auto payment kicks in I really owe {$55.00}, so now I need to await for another auto payment ( and further accumulation or interest ) before the full amount is paid off. 

So, rather than pay off everything on XX/XX/XXXX, Im now forced to wait until sometime in XX/XX/XXXX just to pay off my XXXX loan. This is a terrible way to run a loan servicer and, frankly, I question whether it is legal to force borrowers to incur interest or a one-time-fee. It is literally impossible to avoid. 

All I want to do is pay off my loan. Right now. And I cant do that. This seems highly unethical. 

And to be clear, I am not the only one who has serious complaints about this company. Its online review pages are nearly unanimously terrible, and its public communication with borrowers is nonexistent.
Consumer complaint received 2021-02-01
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-08-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance - If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-08-25
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. (NY)

Hi I am contacting your company because TransUnion is reporting fraudulent information on my credit report that I want removed from my credit report at once because it does not belong to me and it is fraudulent. Here Is the information that needs to be removed XXXX XXXX XXXX Inquiry from XX/XX/2019 + Finance this information is not mine and was fraudulently added to my credit report and I want it removed at once. I have already contacted police in this matter because its been an ongoing issue because I am a victim of identity thief
Consumer complaint received 2020-01-26
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. (PA)

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Consumer complaint received 2018-02-10
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)

There is an inquiry from XXXX institution in my TransUnion credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2019-08-25
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: ID Analytics, Inc. (CA)

I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.
Consumer complaint received 2022-04-29
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. (NJ)

In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an XXXX XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, XXXX closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted XXXX has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with XXXX phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXXXXXX XXXX for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to XXXX Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from XXXX XXXX and Loans Customer service Team dated XXXX XXXX stating that XXXX is unable to remove the delinquencies.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OH)

I declared Chapter XXXX Bankruptcy in XX/XX/XXXX Case Number XXXX and the disposition was XX/XX/XXXX. However, on my credit report it shows my two mortgages OCWEN and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (GA)

Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX  except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.
Consumer complaint received 2022-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

While going online to pay my XXXX bill with Bank of America on XX/XX/XXXX I noticed a group of 5 charges on my account all 5 with a transaction date of XX/XX/XXXX and a posting date of XX/XX/XXXX. Each transaction was for slightly under {$150.00} ( {$140.00}, {$140.00}, {$140.00}, {$140.00} and {$140.00} ). The transactions were all from XXXX with the city of XXXX XXXX, CA. listed. I contacted BOA regarding the charges and they immediately cancelled that credit card and put a fraud alert on the charges on XX/XX/XXXX and started an investigation. I got a letter from BOA dated XX/XX/XXXX stating my claim was denied because they said " The merchant provided documentation confirming you received the merchandise or service. '' No other information was provided to me in that explanation letter. I called BOA again to get more information letting them know I have been with that credit card company for 26 years and that I had never ordered anything from XXXX and have never received any merchandise or services from XXXX. I wasn't even told what the merchandise or services were that I was supposed to have received. And I told them I would like to receive some type of proof that I actually received the merchandise or services to my address which is on the XXXX XXXX. They reopened my claim on XX/XX/XXXX but I wanted to also file my report with you. If someone was able to get hold of my name, credit card number and address I need to know where those goods or services were delivered and shown proof that any delivery service actually delivered those goods to my address.
Consumer complaint received 2020-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax continues to drop the ball. I've submitted a dispute several weeks ago regarding a collection account that isn't mine. I spoke to the company who instructed me they had deleted the item via e-Oscar with Equifax. After calling Equifax for several weeks they keep saying they don't have and response from the creditor which is false. Not only did the creditor provide me proof of the deletion proof via e-Oscar they even provided me a deletion letter.

As a consumer it is extremely difficult to call into Equifax with very long hold times then in my case I have to speak to the office of consumer affairs which is a total waste of time. The office of consumer affairs keeps us on additional hold time up to an hour plus and sometimes after waiting that long we are hung up on and have to start the process all over again. Depending on the day you may get great professional service and other
times you get very unprofessional service. I called today XX/XX/20 and spoke to a rep by the name of XXXX and I was simply trying to follow up on a dispute and I was dealt with in a very rude unprofessional manner from XXXX. I would like to have my file remove from the XXXX department and just given regular customer service. No customer should be rudely treated and talked to from Equifax. 

The collection account : XXXX XXXX XXXX for XXXX XXXX  should have been removed weeks ago.
Consumer complaint received 2022-04-29
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. (SC)

I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report that I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry or any open accounts supporting so.