davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

I have bought a XXXX XXXX turn Mower fromXX/XX/XXXX and I was approved to charge it on the synchrony bank XXXX credit card on XX/XX/2020. The Mower was delivered to my house and upon checking the mower I noticed several scratches and dents in the mower and so I contacted XX/XX/XXXX company but they refused to cooperate or resolve the issue and they had the worst customer service, very rude and unprofessional. So I disputed the charge with the Synchrony Bank XXXX store credit card and I asked for a partial refund of XXXX dollars for the dents and scratches which is about 8 % of the price of the mower which was XXXX dollars. The dispute of the charge of XXXX dollars was for the dents and scratches on the brand new mower and I sent the both companies ( the seller and credit card company ) pictures of the scratches and dents. Then after a few days XXXX credit card managed by synchrony bank ruled in favor of the seller and refused to grant me the disputed charge. I called them and argued with them but they never gave me a reason for their decision to rule against me. This credit card company needs to credit my account for XXXX dollars for the scratches and dents on the mower and they need to grant me the disputed charge because I paid for a brand new mower that should have been in perfect condition with no flaws or scratches or dents but I did NOT. Instead I received a scratched mower and dents in the mower
Consumer complaint received 2020-12-06
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)

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXis reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (SC)

In XX/XX/2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XX/XX/2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX. 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I received a very threatening letter from one of the collection agencies XX/XX/2020. ( Account 2 ) Which they violated so may practices. I immediately reached out to the agency, to dispute the allege debt. I also explained that I had already sent filed the complaints mentioned above, and sent this to the agency. 
I was told that they had it, but don't have it on file, and that I need to resend. This was on XX/XX/2020. 
I received a letter from the company, demanding that I do the things that I had already done, when the agency yet to prove any evidence that I owe allege debt. I was sent some of the contract I allegedly agreed too, with no signature, and I was sent part of someone else contact.
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. (TX)

Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from Equifax, XXXX and XXXX.
Consumer complaint received 2022-07-27
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (VA)

My daughter purchased a NetSpend reloadable Visa card so I could pay for my car insurance. I registered the card but inadvertently used her ss #. I thought I had to use her ss # because she purchased the card. When we called the car insurance company, they told me I had to use my ss # to associate my name with the card payment. We immediately called to change the information on the card but was told it would take several days for the information to change. I only had two days before my insurance lapsed and waiting for the change was out of the question. We called for a refund in the amount of {$190.00}, what my daughter paid for the card. They supposedly mailed the first check on XX/XX/20. I never received the refund check. I called three times and was told to call back after XX/XX/20 so they could investigate what happened to the check. I called again on XX/XX/20 and was told a replacement check would be mailed out. I reported the incident to XXXX on XX/XX/20 # XXXX. XXXX XXXX from NetSpend contacted me on XX/XX/20 and stated the second check was mailed on XX/XX/20 and if I did not receive the check by XX/XX/20 to call him directly at the number he provided and they would have to figure out alternative methods to refund my money. On XX/XX/20 I called and left a message. I also left a message on XX/XX/20 and my calls were not returned. I finally contacted him on XX/XX/20 and he stated he was on vacation and received my calls. He also offered to send a money gram but I told him I am no longer driving and would not have access to a ride to get to a money gram location. I refuse to take public transportation because of COVID-19. I suggested he mail the check to my daughter in Virginia, the original purchaser of the VISA card, to deposit the check into my bank account, he said no because the address is different than the one registered to the card. XXXX also stated they would not be able to send a third check out. I also asked what did we need to send to change the account to my daughter 's but I do not recall him answering my question. At this point, I am not sure what is going to happen. We want a full refund and hope the company will cooperate and send the check to my daughter. XXXX was supposed to research the 2nd check to see if it was cashed and get back to me today, XX/XX/20 but never did.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (NE)

Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

We were unable to make our mortgage payments for a while and tried to apply for a HAMP which was denied by PNC Mortgage. At that point we made an agreement with the bank to do a short sale. We received a short sale offer which was denied by PNC. I believe the BPO that was sent to the bank was too high for a short sale property. The listed amount was as high as a house selling for top dollar in our neighborhood. We went to PNC Mortgage with a counter offer and that was also denied. I believe that PNC Mortgage is trying to for us into a foreclosure rather than accepting the offers for the sale. I had also written to PNC Mortgage asking for the information of our loan investor and never received a response.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have a credit card with Sears/Citibank and have been paying on it every month ON TIME ( more than the minimum amount due ) but yet my balance is not going down. I don't even use the card that much so it makes no sense why my balance is so high. I have tried to talk with Sears/Citibank via live chat on their website ( on XX/XX/2020 and XX/XX/2020 ) but it's like trying to talk to an automated service. I can't get any answers to my questions. I need Sears/Citibank to break down to me all the charges made on my acct./credit card and explain to me exactly why my balance has not gone down.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number # 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 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NC)

I hope all is well ... 

I have been talk to very rudely due to an error on my part when I made my payment in XXXX on XX/XX/XXXX I made it through my app on my phone. When I went to make the payment last month it already had XXXX XXXX on my account so I chose that option to make a payment. A couple days had past after I made the payment and I was checking both of my apps to make sure the payment went through. I havent ever been late on any credit or bill my whole life and if you pull my credit or look at my card history you can see that. I notice it didnt go through and called XXXX XXXX to see why they advised me that I used my Savings account with them and thats why it didnt process but I did not know that was the type of account on the options of my Wells Fargo app I thought it was my checking but it was already there so once I realized I quickly went to my Wells Fargo app and updated XXXX XXXX to the checking account and my payment came out. I do apologize it was not done on purpose it was an honest error so I technically was not late I had the money just didnt know it was XXXX XXXX Saving account on the Wells Fargo app for the select payment because it was already there. When I made the payment on XX/XX/XXXX I was already the checking account on file on my Wells Fargo app for XXXX XXXX so it went through with no problem. I called to see why my available credit was {$0.00} because I made a payment and it should be an available credit but when I called in I was spoke to really rudely as if I was really late without them asking what really happen they advised me it was an hold on my available credit. I finally did a complaint several with the executive department because some agents did not want to help or listen state I should read my terms and conditions and things like that. One executive agent advised that she reach out to the department that releases the available credit and they told her they will email me so I can send a screenshot that my payment went through XXXX XXXX and in a 2-3 couple hours I will she my available credit I did exactly that and screenshot it and my available credit is still {$0.00}. I called in Saturday and was talk to very rudely again but than I did another complaint and talk to someone else in the executive department after I had to hang up on the previous agent for not trying to help and listen to me at all but she advised me the department that releases the funds was closed on the weekend the agent after I hung up on the other agent. Im about to pay this card completely off in 30-60 days I just needed my credit for an emergency. Im XXXX and Im XXXX XXXX XXXX XXXX XXXX XXXX a year ago back to back I dont need the stress I need help and someone to listen. I made an honest error and get treated this way. My available credit is still at {$0.00} and I did everything I was supposed to do. Thank you for your time. Have a great day and please be safe.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XXXX
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NV)

i have refinanced my home and got a new mortgage, i logged inn to the new lender site and follow the instructions on the payments and sent the payments. i got a conformations the payments where made. 
after 2 month of payments my credit dropped 130 points i call to see where is the issue from they told me its the mortgage. the mortgage company never sent me any notice nor email or letter, when i called the company they told me they tried to call me, i naver got a call from them as well. i have paid it as soon as i found out and made sure the information is correct for the future. 
i occupy this property as a primary resident and i never got any letter from them. i requested a copy of the letter that they claimed to send, its says on it draft unsuccessful witch only proving they never sent anything, as this is not my fault and i never had a late payment, i request it to be removed from my credit asap.
Consumer complaint received 2020-09-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

I'm a XXXX veteran who applied for the Dept. of Educations ' XXXX and XXXX XXXX XXXX XXXX XXXX. I was approved for this discharge of my student loans on XX/XX/2020, with all of the loans set to discharge on XX/XX/2020. It is now XX/XX/XXXX. My loans were serviced through Great Lakes Educational Loan Services Inc, a subsidiary of Nelnet, a contractor with the Dept. of Education. 

I tried to get in contact with Great Lakes, trying to find a reason as to why my loans were not yet discharged, as they are still on all three credit bureau reports as deferred and current. They were quick to give me the runaround and claim that I needed to talk to Nelnet instead. When contacting Nelnet, I was never able to email a human being, just a standard go to our website response. When on Nelnets ' XXXX page, the discharge date was XX/XX/XXXX, but it was barebones, and only stated that I was approved for the discharge. I was back at square one, with no answers, and the debt affecting my credit negatively.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL (NY)

I have a TJX Reward masgtercard thru Synchony Bank for several year Alway pay my balance fully each month. My fico is XXXX Last month XXXX I receive my bill an realized that i didn ; t pay the month before so i had a late fee and a new balance for this month totallly aprox XXXX. I realized that I paid my XXXX  card by mistake ( I pay all my cards thru bill pay at XXXX XXXX XXXX and XXXX  was on top of TJX  card so you see why i made this error ) I immediately on XXXX I call TJM  card or Synchony Bank, I told them i would make the XXXX immediately and they saidd they would remove the late charge. I paid on XXXX {$18000.00}, XXXX in nstead of {$1800.00} by mistake, another error on me leaving a credit of {>= $1,000,000} at Synchony bank. they told me they could give me my money until XXXX XXXX. I called today and they closed my card for for High risk. They srre still not clear on when I anm getting my overpayment back. I have never held a balance or have been late. They still havn '' t return my credit. My concern is that they are using high risk as a reason for closing my card and contactingg any of the bureaus with this information, Maybe because i dont hold balances, i really dont know. When I ask to a supervsor, there was none avasilable. 
At this point I want my credit refunded immediately, proof that there are no derogatories on my credit and a clear reason my card was canceled. 

Appreciated
Consumer complaint received 2020-09-21
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. (NY)

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (OH)

Again, this company did not provide information supporting this debt, I requested Assignment of Debt, Method of verification and Agreement with company for service. The steps involved in the verification process as I have the right to know the names, phones, address if the parties involved per the Fair Credit Act and they did not provide this information with the 5 days of requiring this account if valid. 

Please provide certified mail with receipt stating that I received this information as they stated they need to " GET VERIFCATION '' They should have this information before they even placed this on my credit report. 

Account : PENN CREDIT CORPORATION # XXXX
Consumer complaint received 2020-09-21
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. (AZ)

Equifax fails when I try to login to my account to temporarily lift a credit report freeze. 
I have had an account with them as well as with the other credit report services for several years. On Equifax I enter my correct username and password and I get : " We are temporarily unable to complete this request. '' Today I finally called Equifax, wasted almost an hour on hold and talking to an agent. I described my problem to him. He claimed he would try to fix the problem, gave me a new password, which made no difference. He then said I should try online later, but said NOTHING about their system being down. Later, I found out on a site other than the Equifax web site that : " By our records, Equifaxs system has been down since mid-XXXX XXXX " The Equifax agent should have said something instead of wasting my time. 
I should have been able to lift the Equifax freeze online as I did with XXXX  and XXXX, wasting little time. 
The Equifax agent did lift the freeze on the phone, but Equifax customer service is useless.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (SC)

XXXX XXXX XXXX XXXX, SC has place a collections account with XXXX XXXX for collections for the amount of {$280.00} from XX/XX/XXXX. XXXX placed this on my credit XX/XX/XXXX. They never notified me. It just showed up on my credit. When I called them the customer service person was rude and did not want to hear what I had to say. This account was closed at the XXXX XXXX store in XX/XX/XXXX when I returned the equipment. I was told I hade no balance due once the equiptment was turned in. I have not heard from XXXX since yet CBE claims they were given the account for collection of {$280.00}. I want this entry off of my XXXX account. If XXXX checks with the XXXX XXXX office they should see that I returned the equiptment in XXXX XXXX. I do not want to hear from the CBE Group and since I did not do business with them they have know right placing an entry on my credit.