davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-10-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I 'm submitting this claim against Experian because I had three collection agencies ( the only three on my report as of now ) that were never supposed to be on my report in the first place from a collection called XXXX XXXX XXXX ( scamming company please research them ) 1st off they have never sent me information proving this debt belongs to me ( signed copy with my signature ) I filed a Dispute so experian removed this my score was a XXXX by them removing this then I look up about 10 days later and realized it was a XXXX and they re-added all theee collections back on there. 2nd of all even if these were validated /verified which were n't because it 's not verified until they send me proof of my signature on this debt they did n't notify me within 5 days that they were putting these back on my report which is breaking the fair act law. I 've worked so hard to get my score to the XXXX XXXX just for them to re-add those collections back on there that were never suppose to be on there.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC (DE)

Rocket Mortgage Quicken Loans I changed the account that my auto pay was drawn from. They said that I also ended the auto pay. I don't agree that I did that because I would not have done that. My payment was late. Rocket tried to email me about the issue and their mail but their mail goes to spam because of all the junk that they send. They tried to call but the did not say what the issue was. I didn't call back because again, they only call to try to sell you another product. They refuse to remove the late strike.
Consumer complaint received 2019-12-12
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. (CA)

THIS COMPLAINT IS " MAKING A RECORD '' FOR THE CALIFORNIA COURTS WHERE I WILL BE SHORTLY SEEKING RELIEF. 
EQUIFAX DISPLAYS A SEVERELY DEFAULTED SCHOOL LOAN THAT WAS NEVER MINE IN SPITE OF 20 DISPUTES.LOOK AT THE LIST OF CFPB COMPLAINTS ATTACHED.EACH TIME I NAMED THE DEPT OF EDUCATION THE CFPB SAID TO CONTACT THEM.THEY ARE INCOMPETENT.THEY AUTO VERIFY A LOAN THAT'S NOT MINE AND THEY IGNORE THE FTC ID THEFT PKG SENT TO THEM. 
EQUIFAX THINKS THIS IS FUN AND GAMES UNTIL THEY ARE SERVED FOR NEGLIGENT CREDIT REPORTING.THIS COMPLAINT IS MEANT FOR OUR JUDGE TO READ. 
EQUIFAX NEEDS TO OBEY THE FCRA AND SUPPRESS DEPT OF ED ACCT XXXX.I WILL BE SEEKING THE DOWN PAYMENT OF THE NEW HOME I INTEND TO BUY AS AN APPROPRIATE AMOUNT OF DAMAGES FROM EQUIFAX. 
DEPT OF ED IS IMMUNE ... THAT'S WHY THEY DO NOT HANDLE THE 500000 REQUESTS PER MONTH FOR CREDIT CORRECTION THAT THEY RECEIVE.
Consumer complaint received 2021-11-16
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. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (OH)

My identity has been used .. multiple cash loans have been taken out. Sky trail will not work with me and wants to money out of my account. Which my account has been changed due to identity theft. Someone has taken over my phone, my accounts, has called my credit cards and gotten advance.
Consumer complaint received 2021-11-16
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CO)

My complaint is in regards to my Discover credit card. Ive had this Discover credit card account since 1988, but have not used it in many years. Earlier this year I received a bill for $???. I looked at the charges and they are ALL fraudulent. I disputed the charges with Discover and asked them to close the account. They took some of the charges off my bill but then opened up a new account without my permission and transferred some {$400.00} in charges to the new account, and insist that the remaining balance is valid. 
They are charging me interest and late fees on it. I refuse to pay for someone elses purchases, and therefore need your assistance in resolving this matter. 
I can not communicate on the phone because of a XXXX, which makes handling such matters so much more difficult. 
Please help me resolve this because Discover refuses to acknowledge my complaint and wants to take the easy way out by making me pay for something I did not charge on this card.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Today XX/XX/2021 I tried to log into my chase business account. Said it was locked for the 2nd time this week, first time was because I changed my phone number and email online.. I called the bank to see why it was locked and too unlock it, and now Im told it was being closed and they wont give me a reason as to why, it was a XXXX account, that I run my entire business through!! And now i cant even run a business until I can find another bank and then get my funds from that account back I just want my account reopened so I can assume XXXX as normal
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NC)

I have travel protection insurance for damaged luggage through my Chase Sapphire XXXX credit card. My claim that I submitted on XX/XX/XXXX for my damaged luggage is still pending over a month later, and I was supposed to be contacted by a customer service person via phone but never was. The XXXX XXXX XXXX that they use is still requesting documents that I've submitted multiple times ( their website is broken about won't even let you upload documents, so they had to be emailed ), not calling me back at the promised time after they agreed to on multiple occasions, keeping me on hold over XXXX hour each time I call ( over XXXX hours on the phone ), and refusing to address the claim that I was supposed to be contacted about within 5 days. They appear to be trying their best to avoid addressing the claim and increasing the pending time to the point that the claim is invalid. Please see this website for similar reviews on this company which is undoubtedly a scam : https : XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

Fedloan servicing is terrible! I have met the XXXX qualifying payments and have been waiting for months to get notice of student loan forgiveness. There are frequent mistakes along the way that have only been corrected with repeated calls and my insistence. The past XXXX times that I have called, I have been on hold for close to 2 hours and the phone has hung on me without speaking to a person. This is the absolute worst customer service I have ever seen!!! Something should br done given widespread complaints and poor service!!
Consumer complaint received 2022-11-11
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. (FL)

n accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

I paid ( deposit + final ) a Food Truck for catering an event using XXXX ( attached to a Chase Visa Credit Card ). Visa/Chase recently changed these payments to be classified as " Cash Advances '', which accrue a hefty fees/interest. 

There was no communication from the bank before this change was made, and I'm sure Visa & Chase are profiting heavily from it. 

XX/XX/2022 XXXX Miscellaneous Cash Advance {$140.00} XX/XX/2022 TRANSACTION FEE Fee {$15.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$1.00} XX/XX/202XXXX XXXX* Miscellaneous Cash Advance {$510.00} XX/XX/2022 TRANSACTION FEE Fee {$25.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$11.00}
Consumer complaint received 2022-11-11
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. (VA)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted :
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (NC)

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Consumer complaint received 2021-11-16
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. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated
Consumer complaint received 2022-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have been through many hardships due to the pandemic. Since the pandemic started I have lost four family members over the course of the last two and a half years. Also, I was in a very bad XXXX XXXX  which caused me XXXX XXXX After replacing the car as it was not salvageable the next car caught on fire. This caused many unexpected expenses between helping with funerals, traveling and payment auto insurance deductibles. My grandchildren gave my wife XXXX and it was a very bad case and I was the primary caregiver. During this time I tried to keep in touch with my lender to try to save my home. I was told very different stories from each representative at each servicer I was transferred to. At the beginning of the pandemic my loan was with XXXXXXXX XXXX, it was then transferred to XXXX, I was then transferred to Community Loan Servicing, I was then transferred to Nation - XXXX XXXXXXXX, I was then transferred to Mr. Cooper and then to Rightpath. None of the servicers sent my information to the new one, XXXX XXXX XXXX sent me a modification that was not honored once the loan transferred. Also, I paid XXXX XXXX XXXX {$7000.00} and then I was told my loan had already transferred and the money is lost. Also, when my loan was with XXXX I received a call from XXXXXXXX XXXX  on my caller ID and sent {$2000.00}, XXXX then told me they did not receive it. Rightpath has now denied me a modification. I have an FHA loan and I believe Rightpath is obstructing me from accessing available assistance.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TN)

On my behalf, my XXXX ordered a XXXX. In XXXX, I started receiving unsettling bills for it amounting to {$960.00}. This is a covered benefit through my insurance. While on the phone, this has been " corrected '' and " disputed '' multiple times on a monthly and bi-monthly basis. They have agreed to stop harassing me via phone but have started mailing me bills. They claim to have no notes past the XXXX calls and hence do not have notation of how to correct this issue. I have been told on multiple recorded phone calls that this is being reviewed and is obviously valid. We have even been on calls as a group with XXXX and XXXX. Please help me to correct this issue and get someone on the phone to actually be able to review and correct.
Consumer complaint received 2022-08-13
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: GOLDMAN SACHS BANK USA (PA)

My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX  purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.
Consumer complaint received 2015-10-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (TN)

XXXX XXXX FROM ORACLE GROUP CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND XXXX WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HYUNDAI CAPITAL AMERICA (TX)

Sense XXXX of 2022 I had to assume the responsibility of caring for my grandmother along side my XXXX XXXX XXXX son. I tried to contact Hyundai Motor Finance for help in maybe finding a way to lower my monthly payments. I became behind but I managed to make payments well it's getting harder for me even more now because I have medical bills due to my son 's XXXX flare ups and having to go back and forth to the ER. I've tried to contact the lender inorder to come to a resolution. Or better yet help.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

My attorney advised me to inform the federal court Wells Fargo has not honored their settlement offer of {$3700.00} made to me by an XXXX XXXX with Wells Fargo in XXXX. Since no payment was received, I have again requested a refund amount of {$610.00}. I requested this amount prior via four mediation request forms sent to me by Wells Fargo. I deducted prior refunds received as a remedy, they are reflected in this amount. Wells Fargo rep by the name of XXXX XXXX claims to have made numerous attempts at resolution, exhausted all resources. He does not go into any detail of these supposed resolution attempts, which I can assure the CFPB and any other agency are entirely bogus. I've sent in a total of four mediation request forms, was offered a bogus settlement as no payment was received, denied refund since. Further, Wells Fargo is fully aware of what it needs to do in order to resolve this, which is to refund {$610.00}. Since they will not honor my request, an attorney has advised me to notify the federal court they have failed to honor their settlement offer. There appears to be numerous cases in the court system against Wells Fargo, I was advised to inform the court they have not honored their offer, failing to refund. Most recently, I attempted to resolve this matter by calling their Executive Office, I called on Monday XX/XX/XXXX, spoke with a total of three different reps ... I spoke with a XXXX whom could not locate any cases or files under my name, despite numerous CFPB complaints. She then referred me to settlement administrator which I believe to be a mere run-around as the settlement offer was made with a rep with Wells Fargo, her email is from Wells Fargo as well. I called back, spoke with another XXXX, requested to speak with XXXX, she could not locate him and also could not locate any cases under my name. A third call was made spoke with a XXXX, the same result with this rep as well.. If there is any question as to which party is trying to resolve this, please refer back to info I just provided and the fact XXXX has not detailed one attempt at resolution.. I can assure any third party to this matter that Wells Fargo has done absolutely nothing to resolve this..
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I am considered below poverty level. I live in subsidize housing and get food stamps. I don't have enough money to pay my bills. I'm XXXX years old and I'm experiencing some severe health problems, XXXX XXXX. I can't take the XXXX. I have nothing to give. I called them several times and wrote them a letter explaining my situation. My bill was {$400.00} dollars at the time but I'm sure they packed on the fees and penalties making it astronomical to me. They are Synchrony Bank. They call every single day, sometimes it's XXXX times. I tried blocking them but they manage getting past that. Please silence this for me. Thank you for your time and consideration.