davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I am a member at Sam 's Club. I applied for a business credit card. I never had given any of my personal information to them on the business credit card application. However, they somehow accessed my personal information without my consent. My application was denied but I never received any letter stating why. I have called and I was told on XX/XX/XXXX the inquire will be removed within 1 week. And still no removal.
Consumer complaint received 2022-10-16
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. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (GA)

My mother me an sister all caught XXXX XXXX my mother an sister passed away I been struggling had to relocate an all! My credit was at XXXX not is XXXX they gon na repo my XXXX an than I am not able to get to work I really need some help! Bad please my name Is XXXX XXXX XXXX an XXXX is thru ford
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX/ {$240000.00} / XX/XX/2022 XXXX LOAN/ {$0.00} / XX/XX/2022
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

My friend asked me to borrow {$210.00} and i accidently sent to his old account on venmo that was hacked. I tried contacting venmo within 2 minutes of the transaction to unsend it. They stated that it couldn't be unsent and that I would need my friend to reach out to them. I have attached the chat log from the multiple times i contacted them. My account name is XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

Chase : Suspicious login attempt has been detected on your account visit https : //sflexurl.com/chase.com-updateyourinfo to restore access. 

I received this text on my mobile phone from XXXX
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC. (CA)

In reference to initial complaint # XXXX and subsequent complaint # XXXX My payment used to be $ XXXX. My payment is now $ XXXX. This is due to an error made by Bank of Hope in XX/XX/XXXX when they overpaid my home insurance by {$1900.00}. The insurance company reimbursed me directly for the overpayment which I have since paid back to my mortgage company. 

They ran my Escrow Projection based on a {$4300.00} payment to my home insurance company in XXXX. My home insurance is only {$2300.00}. As it stands now, If I were to pay 12 full months of my escrow amount, I would OVERPAY my escrow by {$6000.00} for the year. 

The response to my last complaint said that I withdrew myself from COVID protection request which I did not. I filled out a Borrower Hardship Assistance Request Form on XX/XX/XXXX which specifically states in # 8 : The Servicer will use this information to evaluate my eligibility for a loss mitigation option ... At that time, I refused the program because the terms were unsatisfactory as is evidenced by my consistent payment of my mortgage. 

I entered into COVID Protection from XX/XX/XXXX through XX/XX/XXXX. I am due to make a payment beginning XX/XX/XXXX which I am prepared to do. I signed and returned the paperwork accepting the balloon payment at the end of my loan on XX/XX/XXXX. Nevertheless, I STILL have not received a current statement. In fact, I have continued to receive statements detailing the accruement of my charges and late fees from XXXX through XX/XX/XXXX. My last statement was received on XX/XX/XXXX and says I owe {$27000.00}. 

I attempted to log into my Bank of Hope account online to see if my records were updated there. I was locked out. I called customer service and the man was unable to locate my account using my account number and social security number. 

I thought- maybe I should look up XXXX online since they are now working with Bank of Hope XXXX I was able to register my account that way. The mistakes are still in my account. 

On XX/XX/XXXX, I received paperwork in the mail letting me know my request for COVID protection is incomplete! Hahahahaha!!! I'm losing my mind. My COVID protection was approved and is DONE ALREADY! 

WHAT IS MY MONTHLY PAYMENT? HOW WAS I TO KNOW MY ACCOUNT WAS MOVED TO A NEW WEBSITE? WHERE IS MY STATEMENT SO I CAN PAY FOR XXXX BEFORE XX/XX/XXXX SO I AM NOT CHARGED LATE FEES? WHAT KIND OF STRESS IS ACCEPTABLE TO CAUSE A PERSON? 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX, and XXXX ID # XXXX XXXXXXXX These are all the people with whom I have spoken about my mortgage loan. 

I am so tired of having to deal with this. Frankly, the CFPB is failing me as you keep closing my complaint based on Bank of Hope saying they will call and fix it. " Someone will call her '' is not RESOLVED. It is NOT resolved. I want a revised Escrow statement and projection for XXXX. I want a corrected monthly payment amount. I want Bank of Hope to bear some responsibility for the time and stress this has caused me.
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (OH)

I returned the car back to CNAC and I am sure they resold the car I do not owe this much I had to return the car myself when I told the person I could n't afford this car she said if they come get it I owe XXXX up front HOW DO I CHECK INTO THIS the amount they have ca n't be real if they resold the car PLEASE HELP GET THIS OFF MY CREDIT
Consumer complaint received 2017-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (OR)

I keep getting calls from someone named XXXX. The recorded message says to call them or they will contact family members concerning an unknown debt. I did some digging and found this is coming from a company called XXXX which is part of World Wide Processing Group llc. Neither company have a state license to operate as collection agency from the state of XXXX. This is illegal contact under federal as well as state laws. If they have anything that is legal then they should send a letter to be within the law. No company can attempt to collect a debt from a citizen of XXXX without a state license to operate as a collection agency. These XXXX companies are in violation of XXXX state law simply by calling me. I would like to see them in court here in XXXX County XXXX where I live. I believe because of the illegal tactics used that anything they think they may have will not stand up to the light of a courtroom.
Consumer complaint received 2021-12-11
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: SYNCHRONY FINANCIAL (CA)

I did not know I was paying for this service for my Paypal XXXX XXXX Synchrony card until about XXXX when I noticed my balance was not going down even though my minimum payment was over {$100.00} per month. I also lost my job at the time and wanted to file a claim. I contacted Synchrony bank and was told i had to contact the card security department or check the card security website. I remember having the same issue with my Amazon credit card and was able to find this on the card security website and cancel the plan. I tried to attempt this same step with my Paypal card and their website kept saying it cant find my information. I told Synchrony that if it cant find my information then whats the point of paying for this service and Id like to file a claim that this is an unauthorized charge. Instead of putting this charge on hold or putting a stop to it, they just told me to call that department back again. I tried calling again and was told that for some reason my name was not spelled completely and instead of 2 words it was combined in one word and that may have been why they couldnt find it before. I told the representative I wanted to cancel my plan and would like a full refund. I was told it was canceled and that I would get refunded what I paid for the plan which was over {$2600.00} at the time. I check my Paypal app and it stopped show the card security charge so I stopped worrying about it. Then a few days ago I noticed that my balance owed has been increasing even though I havent used this card in at least 2 years. I noticed that through the app it doesnt show the extra charge and I have to download the full statement for it to show the charge. Id like this plan removed from my card and get a refund for what Ive paid for this service up to this date including interest accrued
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

I called in today XX/XX/XXXX, at XXXX XXXX EST to IQ International Data. I was trying to make a payment on an existing payment agreement. I am trying to be responsible, even though this debt is not personally mine. 
When I called in, I had informed the representative ( supposed manager ) of the payment agreement, and that I would like to take care of it today. After telling her what my payment agreement was because she could not find the notation, she said we dont do anything like that. I then asked her what I was able to do, and she said they only do release statements, and I would have to pay {$1300.00} to be taken off this collection account. 
I then responded that I was confused As to why I had a payment agreement previously, with a supervisor, and now I was being told something else. Because of this, I had informed her that I would like to call back and get someone else to clarify the amount, because I was now told two different things. 

I call back, not even a minute later, and the same woman answers the phone, and just says hello, and does not read her employee ID number like regular protocol. I said hi and asked her if she was the only one working, and she automatically got vicious and said that she did not need to answer that for me My response to her then was, Well how am I supposed to get help with this? I remind her I was trying to clarify the two different amounts with someone. 
She gets very angry, and says shes the only person working before XXXX P.T. and ya know what, youve been really rude and I dont need to help you She also stated that I was not trying to get help, I am FISHING for a settlement, a settlement Im not going to get I try pleading with her, that I am not FISHING, that I just needed help, and she hangs up on me! 
I call back immediately ( the third time now ) and she lets the phone ring for a whole 5 minutes ( even though shes not busy, and the only person there ) and she let it go to voicemail.

Not only is this extremely unprofessional, rude, an unfair, but people like her are handling peoples Social Security numbers and files?
Consumer complaint received 2022-04-20
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)

As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Adjustment Bureau, Inc. (OH)

I have a a unverified account from FABCO. I had previously disputed this account. I have never done business withFABCO. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX. Date of Birth XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
My Transunion report show my score is XXXX. It lists all creditors that I have file bankruptcy with. They are using this against. It is charged off. However, it does lists XXXX XXXX, XXXX MasterCard, XXXX XXXX. It does not list the 2 only other creditors I currently have : XXXX XXXX Visa Card and XXXX XXXX. 

Transunion File Number XXXX My Number is XXXX. 

Thank You
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Hi there, I didn't authorize these inquiries and I'm not benefiting from these inquiries on my experian as follows : XXXX, 2021 # 1XXXX XXXXXXXX XXXX XXXX # 2. XXXX XXXX XXXX XXXX XXXX, 2021 # 3. XXXX XXXX # 4. XXXXXXXX XXXX  XXXX # 5. XXXX XXXX XXXX XXXX # 6. XXXX XXXX XXXX XXXX # 7. XXXX XXXX # 8. XXXXXXXX XXXX  XXXX XXXX # 9. XXXX XXXX, 2021 # 10. XXXX XXXX XXXXXXXX XXXX. XXXX, 2021 # 11. XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

The Department of Ed have reported that I have been late on five student loans from them. ( FED LOAN SERV-Closed 12 late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) Fed Loan Service in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was charged {$26.00} by a merchant. I did not receive any supporting documentation for this charge. After contacting the merchant and asking for supporting documentation, I was told that the merchant had none. However, the merchant still refused to refund my money. 

I filed a dispute with card issuer, Capital One. They initially credited the amount and asked for more documentation. I filled out the documentation and sent it back. 

Without contacting me, Capital One rebilled the {$26.00}. I contacted them, and they refused to reopen the dispute. Capital One claimed that in order to win the dispute, I needed to provide a receipt from the vendor showing an amount different than {$26.00}. I explained that I received no such receipt from the vendor at all, which was the issue in the first place. The vendor should have to provide documentation for the charge in order to win the dispute. 

Capital One admitted to not conducting an investigation with the merchant or even contacting the merchant at all. They simply applied the charge because I could not prove a negative ( i.e. provide a receipt which did not exist in the first place ). This is in breach of their duty to conduct an investigation of the dispute.
Consumer complaint received 2022-10-02
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. (TX)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I bank with Chase credit and chase bank since last year. 
My phone was lost and I had a card holder case for the phone case which was lost along with it. 
Someone had access to my online banking from it and I went into the branch in order to get a new debt and credit card replacement. I had change my login user IDs and passwords for all my online accounts ( wells, XXXX and chase ). This was reported within a XXXX since I had to go back to store trying to find my phone and cards. Went home and get on my computer to locate each cards contacts to report.
Consumer complaint received 2022-10-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

I am not sure if anyone even cares about this, but I think it's time we start forcing these credit agencies to do better and rating peoples credit. 
My complaint is against Equifax as they dropped my credit score XXXX points just because my balances on my debt decreased. I am in the process of buying a house and trying to keep my scores above XXXX so when I close in XXXX I can get the best possible rate I can. I don't think it's fare the credit agencies can just drop your score that much for no reason other than you being a good credit risk. I am really sick and tired of these credit agencies using some XXXX bogus formula to get these scores and they have no rhyme or reason.