davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint.

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at XXXX, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

At the start of the pandemic, I contacted my then mortgage servicer ( XXXX ) to suspend my mortgage payments for 3 months. I'm a freelance writer and was nervous about the impact of the pandemic on my income. 

The mortgage includes PMI. 

At the end of the forbearance period, I was given the option to pay off the total of the skipped payments or extend the payments out to the end of the term. Again, due to uncertainty, I chose to extend the payments. 

The mortgage was recently sold to Mr. Cooper. Loan number : XXXX. I contacted Mr. Cooper to inquire about dropping my PMI as I am very close to ( or have hit ) 80 % LTV. Mr. Cooper told me that because the loan was modified and the terms changed, I would need to have 50 % LTV to have PMI removed. 

I was never informed that the loan modification would impact PMI. I've called several times to ask about PMI, and was most recently told that I could not have it removed. 

I don't believe that my forbearance -- and I am totally current on my mortgage and have never missed a payment -- should impact PMI. I would like PMI to be canceled.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C. 1681 A number 3. States Equifax assumed this role without my permissions, not only that but also did not have my consent. Equifax did not respect my right to privacy which is under 15 U.S.C. 1681 A number 4.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (NC)

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 2018-04-23
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)

It is the credit reporting system that is the problem. Good people that live well within their means and do not buy trinkets or spend money they do not have while paying more in the long run with interest, are treated worse than the people that do spend beyond their limits and live beyond their means. 

A person that accumulates debt is treated better than a responsible person that does not buy items they do not need. If you do not have credit and are looking to get a new vehicle, you pay over 5 times more in interest and have to put down a lot larger payment. People are forced to buy worthless trinkets or pay more than what an item costs ( interst rates ), ONLY to build a credit history. 

We are pushed to consume junk so someone else can make money off of the interest. We reward people for spending money on items they do not need and punish those that save or are conservative. We are building a materialistic society. It makes no sense. I attempted to get a new vehicle yesterday with $ XXXX down that I saved up. Because I have no credit history, they want $ XXXX down and 10.5 % APR. A few people I know pay less than 2-3 % APR and no one I have ever heard of pays $ XXXX down on a $ XXXX USED vehicle. 

People need to be measured by their Debt to Income ratio. If someone lives beyond their means and does not have enough expendable income, they should not be treated better than someone with plenty of expendable income. Only bad credit history should be a factor than no history & attempting to establish a loan for a vehicle that is a means to get to work and to the grocery store, necessities. This needs to change ...
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I got quotes from 2 mortgage companies. I went with XXXX XXXX XXXX Sent cancellation to Rocket Mortgage and called this morning [ XX/XX/22 ]. The agent kept bulling me trying to get me to mortgage with them. I checked my credit card on XXXX and they put a XXXX dollar charge on it. Called to get credit back and their refusing to refund all my money
Consumer complaint received 2021-05-03
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. (GA)

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been multiple attempts of someone trying to apply for credit in my name leaving behind inquiries reporting on Equifax and XXXX  and unverifiable accounts on my XXXX  report. I've sent in a few letters and have not been responded to regarding this matter.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I have been using PayPal for a very long time, and have always trusted that they would look out for me as their customer. Yesterday, a foreign address charged me for some product that I absolutely did NOT buy, and charged my bank account that is linked to PayPal. I filed a dispute, stating very clearly that I did NOT authorize this purchase, and PayPal took the side of the foreign company!!!!! I went directly to my bank, showed them the transaction, and they immediately knew that this was fraud, and my banker told me that this " should have been obvious '' to PayPal. Now I am wondering if someone at PayPal broke into my account to try to steal from me. I am currently discussing options with my attorney regarding this matter. I am VERY upset. DO NOT USE OR TRUST THEM!!!!!! PLEASE!!!!!!!! They WILL absolutely steal from you!!!!!!!!
Consumer complaint received 2018-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo has been saying for the last 2 years that I am missing a payment. I have contacted them every month and I hear the same thing. I sent them 7 years of dates and amounts of my payments. There aren't any missing. I keep hearing the same thing from everyone I speak to. They said I need to find it since they can't. I told them I can't find a missing pymt if it not missing. I have a case open XXXX XXXX XXXX ( not sure of the spelling. ) She has told me every week that they can't help me unless I tell them when the missing payment is. I am so frustrated with Wells Fargo right now. I keep getting letters saying I need to pay or they will take action. I seriously don't know what to do. I told her she needed to credit my mortgage {$670.00}. She said she can't do that. 
Please help They also tacked on fees for {$2600.00}
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

The current issue I am having is with Synchrony Bank/JC Penney. They have been improperly reporting to XXXX   credit report agency. Synchrony Bank has been reporting a date that is inaccurate. They said that the last payment was on XX/XX/XXXX. The account was closed in XX/XX/XXXX and I had made no payments in the year of XX/XX/XXXX The last payment that I had made was XX/XX/XXXX. The date of XX/XX/XXXX should not be listed as a last payment. It should reflect as last payment XX/XX/XXXX. Just by them reporting this date inaccurately has lowered my credit scores by a fair amount.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

Tried to log in to my account online, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 3 times on XX/XX/2020, twice a silent answer after a long wait, then hang up on me, the third someone answered with noise in the background and a dog noise then hangup again very unprofessional, rude and disrespectful.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

Pollack and Rosen was retained by XXXX XXXX to collect on a debt for XXXX XXXX credit card. The debt was filed in XXXX XXXX court XXXX. They served my mother XX/XX/XXXX who is a well documented belligerent drunk who doesnt even know who she is sometimes. I was not notified this even occurred until applying for an apartment for myself and XXXX kids. Upon review I found out they got a default judgement for me because I didnt show up to court. How was I supposed to show up if I had no notice. I havent lived at that address since XXXX! Pollack and Rosen is well known for their shady business practices. Definitely not for the consumer. They dont care about anyone. I lost my job during the pandemic and took a massive paycut. This debt was also disputed as it was partially accrued through identity theft by an ex friend.

Pollack and Rosen also filed suit against me on a XXXX XXXX credit card. It was filed in local court on XX/XX/XXXX and dismissed for lack of validation on XX/XX/XXXX. So I am pretty sure they cant validate legally the other debt either.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$570.00}
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (GA)

Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc. (OR)

On XX/XX/XXXX, I placed two individual orders from an XXXX catalog I received : I opened a credit account for {$750.00} for the 1st Order # XXXX. This totaled {$750.00} ( incl. Shipping/Handling fees ). This order included a number of items ; however, I only received one item, XXXX ( 2 ea. ) ; High-Waist Control Legging ( Size 3x Black ) ; {$59.00} each : total cost being {$110.00}. XXXX/XXXX  emails later stated delivery was made, though I received no such deliveries. I reported non-delivery details to XXXX  staff on XX/XX/XXXX via telephone call. I was advised that credit would be issued to my account for the items ordered that I did not receive. I was further advised not to contact XXXX  personally because this would interfere with XXXX XXXX responsibility in the process. [ XXXX  issues of non-delivery to many customers in the XXXX XXXX geographic area has been a recurring news story on local television. ] I also want to point out that Item XXXX XXXX were actually received in a package delivered by USPS that contained one item from Order # XXXX ( Size 2x Bomber Jacket  ), which was from a different order I subsequently placed. I have fully paid for the leggings received from XXXX # XXXX [ checks written : XX/XX/XXXX for {$40.00} ; XX/XX/XXXX for {$45.00} ; XX/XX/XXXX for {$50.00} -- this last payment would have generously covered all interest against the leggings total cost of {$110.00}! It would also either reduce my account balance to {$0.00} or reveal a credit on this account!! I fully paid off the second order ( this was also placed on XX/XX/XXXX ) with XXXX. I wrote out a check on XX/XX/XXXX for {$300.00}. I owe this company no money ; I choose to do no further business with them either! I wrote XXXX XX/XX/XXXX, as soon as I received their first statement -- contesting their reporting. XXXX has not issued the credits due me. XXXX continues to improperly bill me. XXXX in my opinion, continues to illegally charge accrued interest to my account. XXXX  has not even bothered to respond to that letter of XXXX/XXXX/XXXX. XXXX XXXX latest bill received shows a " New Balance '' of {$630.00} with a " Payment Due Date '' of XX/XX/XXXX. It also contains a " Finance Charge '' dated XX/XX/XXXX of {$13.00}. 
These actions to date will negatively impact my credit rating -- through no fault of mine.
Consumer complaint received 2022-07-29
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. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

This is a continuation of the previous complaint/update : Background : fraudulent charges happened on my account in XX/XX/2021 ( last XXXX ). Best buy reviewed the charges and decided they were legit. 

Here is where it gets juicy : Best Buy ( referred to as XXXX onwards ) told me that the company, sharptrucks or sharpauto, had sent them a delivery slip showing I signed for the package, which had been delivered to XXXX XXXX XXXX ( my address ). 

I called the company That had issued the fraudulent charge, XXXX, And he sent me the receipt for delivery and refunded the charge. The representative for Best Buy/city bank had blatantly lied about the delivery receipt - It's not only handed delivery happened in XXXX XXXX XXXX XXXXXXXX but it was left at the front door and no one even signed for it. If you listen to the call with the 1st representative, she blatantly tells me that the package was delivered to my address she " my address to me and says that there is a signature from me on it as well and she's looking at it on the screen right now. 

Furthermore when I called Best Buy back the 2nd time, the representative in the fraud department that I got agreed that the first rep had given me incorrect information, as they could not even see the details sent over by the company ( XXXX or XXXX ). 

Had I been slightly XXXX or slightly more XXXX, I would not have made the extra step to call the company with the fraudulent charge, And Best Buy citi bank would have gotten away with trying to make me pay for it because they were too lazy or too incompetent to read the attachment. 

As an individual with XXXX XXXXXXXXXXXX XXXX I wonder how many other individuals with XXXX that were too XXXX XXXX  or just not collected enough to be able to fight the midst information of this corporation... I contend that there is a disparate impact being caused From this corporation as a result of poor training For individuals in the fraud department. 

I guess I'm gon na also do an XXXX XXXX and start contacting every individual Who left a review on XXXX XXXX or XXXX regarding the Best Buy fraud department to see if I can easily prove a disparate impact from the initial sampling, be it a disparate impact based on age or based on race Or based on XXXX. I'll let them know what I'm doing with their contact information and where it's going to make sure that I'm in compliance with California contact policy.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is violating my rights! 

Account : XXXX  XXXX XXXX I spoke with XXXX XXXX representative to remove this account from my report and they agreed to do so. Even AFTER disputing this with Transunion MULTIPLE times they still show this error! 

They say on the report it meets FCRA, IT DOES NOT! This is FALSE and I can sue just on this alone. 

This is a violation of my rights and I am in my legal right to sue Transunion. 

Last Verified Date -- Does NOT match XXXX or XXXX! 
Last Date of Activity does NOT match XXXX or XXXX! 
No Closed Date reported! 

Each violation can carry a {$1000.00} fine against Transunion in court. 

I demand Transunion remove this account from my report immediately.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (NJ)

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 2018-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OR)

XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.
Consumer complaint received 2022-08-08
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. (GA)

In accordance with the Fair Credit Reporting act 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