davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (NY)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You
Consumer complaint received 2022-04-07
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)

My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (IL)

I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
I believe that Discover Card is acting in bad faith to my detriment. 
Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (TX)

I became XXXX in XX/XX/2022. Even though I had card protection on this Synchrony Rooms To Go  account, I still made the monthly payments myself for 7 months, after which I applied for benefits. I have only had one address the entire time I have had this account, but they said they could not verify my address, so could not open a claim. Each time I have called, I was told that I would receive a callback from the Security Department so that we could resolve this issue. I have never heard back from them. It has been over 60 days of my calling every couple of weeks with no result, and the account has now gone past due. Of course, they still keep taking the fees from my account every month, even though they refuse to follow through on their promises.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2022-05-25
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 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 corrected : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

There are 2 late payments from Synchrony Bank/ CareCredit XXXX XXXX on my credit report that arent accurate and needs to be removed. My minimum due is {$100.00} on the XXXX. I paid {$670.00} on XXXX of XXXX. So I shouldnt have any late payments for the month of XXXX or XXXX. I had a late payment in XXXX but after talking to synchrony bank they said the would remove the late payment but when I checked my credit report the late payment was moved from XXXX to XXXX which should be illegal because I never missed any payments in XXXX. As part of the FCRA I need these late payments removed from my credit report immediately. 

By provisions of the fair credit reporting act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (SC)

I called my credit card company and asked why I have paid over XXXX a month and only XXXX go toward my balance. The women responded that I 'm being charged interest even though the account is closed. I asked her how can they do that she said she do n't know. I just wanted to know if they can do this?? I have been paying back the money i owe for over a year now and my balance was XXXX when I started paying back.. it is now XXXX. Please help me because if they are not suppose to be adding interest I would like to know. I have every intentions of paying back the money I owe but do n't want to be cheated while doing it.
Consumer complaint received 2022-04-07
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: DISCOVER BANK (CA)

Hi, My discover credit card was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was hospitalized and I haven't used my credit card. I do have my hospital documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you
Consumer complaint received 2016-04-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Franklin Collection Service, Inc. (AL)

I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. 
The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. 
On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. 
The company name is Franklin collection Service
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

Money is disappearing from my Wells Fargo checking account and also credit card account. I received a few reimbursements for the fraud being caught but I still see money being missing from account. Also my credit card was still being charged even though I havent used my card. 
Also XXXXXXXX XXXX XXXX XXXX  has had access to my Wells Fargo account and they might have something to do with it.
Consumer complaint received 2022-04-07
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. (VA)

n accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

I have asked since last year for Chase to close all my accounts because I moved and don't have a chase bank in my County. they messaged me several times the last being I had to say a specific statement and I did. but excuse how long they took an auto debit hit. then they said they can't close my accoumt I have asked several times they close my account as I have no bank in the county I live and don't use them. WHY WONT THEY CLOSE IT LIKE I HAVE ASKED FOR MONTHS. I AM NOT SENDING THEM ANY MORE MONEY BECAUSE AUTO STUFF HIT AND THEN THEY ASSESSED FEES BECAUSE THEY REFUSED TO CLOSE MY ACCOUNTS
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, XXXX, XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, XXXX, and Experian to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.
Consumer complaint received 2022-10-21
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: Paradigm Assets, LLC (NY)

On my credit report theres a company ( JHPDE Collection agency ) reporting I owe money to XXXX XXXX, I never had any card or any Association with XXXX. Im not sure where this charge is coming from but I need them to remove & prove I owe any debts with my signature. I only come to find out about this company ( JHPDE Collection agency ) because I have a company ( XXXX ) working on my credit currently.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-21
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: The CMI Group, Inc. (TX)

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MI)

Hello, I opened an account with Synchrony Bank XXXX XX/XX/2022 to pay for a XXXX compact tractor. I received my first statement on XX/XX/2022, and attempted to pay my first bill online. After not being able to locate my account on the website, I called the Synchrony customer service number listed on my statement ( XXXX ). There were no options to discuss my online account with a real agent, and the only payment options were via phone or mail. I called two other Synchrony service numbers ( XXXX and XXXX ) and each time, when the customer service representative could not locate my account via account number, I was asked for my full, 9-digit SSN over the telephone. I consider this a major breach of data and privacy on an unencrypted phone line. 

I eventually was connected to a customer service agent on the original service line, and she explained there is no secure online portal for servicing my account, and that I may only pay via phone or mail. In 2022, it is unacceptable for a financial institution as large as Synchrony to allow ONLY unencrypted and insecure payment methods like this. These accounts are a walking time-bomb for a data breach or identity theft. 

I made a payment via phone to avoid a past-due account, but do not with to continue making payments via unsecured means in the future.
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF THE WEST (CA)

As early as XX/XX/2021, I was hospitalized continuously and while XXXX, I contracted XXXX. During the course of my XXXX  I was transferred to a XXXX XXXX XXXX, where I am till this day. 

I wasn't able to get in contact with my creditor, in this case Bank of the West, until recently, to inform them of my XXXX. Upon informing them of my situation, seeking option to protect my credit, I was informed that my secured credit card account had been charged-off, and paid in full due to nonpayment. When I asked about what programs they have available to individuals in my situation where they are unable to make payments on their accounts due to XXXX XXXX, I was told that since the account was already closed, there wasn't anything they could do about it, that it was over-with and that it was too late.