davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IL)

Discovers new TV is misleading and using XXXX  toys to promote credit to XXXX  year olds. The ad should be pulled.

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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)

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (KS)

On the behalf of XXXX XXXX XXXX sentry credit incorporated has attempted to collect a debt from me that is not owed on my behalf. They have impacted my credit in a result of doing so. The amount is {$3100.00} on XX/XX/2022. I filed a complaint and it was overruled.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX : XXXX After being financially impacted by Covid 19, I decided to go into deferment. We were current at the time. The deferment period lasted 5 months, from XXXX to XXXX of XXXX totaling {$9900.00} and not reduced since. 
A payment was made for XXXX on XX/XX/XXXX which is reflected in the XXXX statement. 
The following month a payment made and the statement XXXX dated XX/XX/XXXX ) also looks accurate. Same story with statement dated XX/XX/XXXX ( screenshot of payments are attached ). 
When it comes to XX/XX/XXXX, you will notice that all of a sudden a delinquency notice pops up and now there is a past due amount of {$3900.00} ( exactly 2 months of payments ). No warning, and no trail. 

The delinquency notice has activity listed which I still dont understand, saying various payments were applied to several months. 
A payment was made every month, and 3 made in XXXX to cover the {$3900.00}, but I still dont understand where it went to. 

I need that amount refunded.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

I have tried contacting equifax on several occasions. They refuse to provide me access to dispute my credit report. They state I have an account and when I try to access or reset password it state account does not exist.
Consumer complaint received 2022-08-28
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. (NJ)

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Consumer complaint received 2022-08-29
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. (WA)

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial InstitutioXXXX.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

I had 5 Chase credit cards, in XX/XX/2017, and Chase agrees, all were in good standing, paid in full and on time each month.  I cancelled a Chase Freedom card in order to apply for a different version of the freedom card, they sent me the new card and then cancelled all 5 of my cards because they stated they completed a random audit and decided I had too much open credit.  They did not notify me until two weeks later, via US mail.  Since then, I have applied for other Chase cards, mostly from the email offers they have sent me.  For each application, they do a hard pull on my credit report but won't tell me from what credit bureau they used, when they send the rejection letter.  The letter only states "Previous unsatisfactory relationship with this bank (Reference Number XXXX)".   I can't go back to the credit bureau, to correct any bad data, because that is not the reason given, nor has Chase ever given me a date of when this rejection will stop or if there is anything I can do to fix it.
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (FL)

I am a natural person a living being, and I have rights under 15 USC 1693 Among its requirements. The rule mandates remittance transfer provides generally must disclose the exact rate, the amount of specifics fees, amount expected to be delivered to the recipient. Westlake financials is governed by these laws. I demand that they make me whole with providing me with a new vehicle free of charge.
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$310.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2019, but I have no visit to XXXX XXXX XXXX on that date. Attempts to contact the business, the collection agency, and the credit bureau to respond to my complaint have not been successful. 

1. XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX  XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX  XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX  XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Consumer complaint received 2022-08-28
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)

In accordance with the fair credit reporting acXXXX XXXX account # XXXX, has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-16
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. (NY)

I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.
Consumer complaint received 2022-08-28
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. (FL)

There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, 2022 Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus
Consumer complaint received 2022-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EQUIFAX, INC. (LA)

XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I filed a complaint a couple weeks ago. The number is XXXX. I would like to connect this with that one if possible. A couple days after I filed other complaint with you guys I spoke to a person at Right Path Servicing. I felt that he was trying to strong arm me. Ive talked to him a couple times before the last several months. He said he was assigned to my case several times. Yet he never knew anything about it and had to put me on hold and look at the notes everytime. The last time I talked to him our conversation escalated. The phone signal failed. Not sure why. I didnt hang up the phone on my end. The very next day someone called me telling me that my modification was no longer in underwriting and that it was denied. Thats very strange to me that the day after we talked that my modification was denied. It was approved months ago after I sent them the notarized papers 4 different times because of errors on their end. My only option was to accept the cancellation of modification and apply for a new one. Thats very strange to me. The guy that set up for me from the same company told me that he even thought it was weird that they closed my modification because everything was approved and it was notarized through the counties. Today earlier XXXX. The same guy that I feel hung up on me and had my account closed called me today. I told him I had nothing to say to him at all. I immediately called back and spoke to another person and told her what was going on. She too said she cant understand why they would close modification when everything was approved and notarized. I asked her to set up a call back with a supervisor. She told me that someone would call me back Im within 24-48 hours. As I stated before. Before covid I made all my payments always on time never late. Covid impacted me and cause me to lose my job and fall behind on eveything. Ive finally bounced back and can make mortgage payments again. Then sending me papers 4 different times to get notarized while I paid for them, switching companies from community loan to right path in the middle of all that. And showing my modification and under review for 4-5 months has really just rubbed me the wrong way. Plus my supposed approved modification being denied out of the blue is very strange to me. Like I said to them. I just want to get back to making my payments again normally and on time. They called me everyday for 5 months. I dont want them to call me and I dont want to call them. Thanks for looking. I put the case number for other file on top of this one. Im hoping that you guys can connect the two. Thanks again
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Please reference attached email/letter communication w/ Wells Fargo Bank XXXX XXXX XXXX 

I received a credit card solicitation from Wells Fargo Bank in XXXX and responded by completing an online application for the same shortly thereafter. Wells Fargo acknowledged receipt of the application via email on XX/XX/XXXX ( copy attached ). Based on the bank 's XX/XX/XXXX response ( copy attached ), the " We need to verify a few pieces of information before we can give you a credit decision '' statement included in same entailed the need to have my XXXX Credit Report Freeze lifted. 

Upon receiving notice that the XXXX Credit Freeze had been lifted, the bank initiated review of my credit card application and allegedly rejected it based on the following : Serious delinquency Too few accounts currently paid as agreed Proportion of balances to credit limits on revolving accounts too high Non recent non-mortgage balance information Since I have ready access to my XXXX Credit file, I took the liberty of revisiting it in response to the reasons listed above for non-approval of my credit card application. And while this laundry list may have served as a legitimate basis for rejecting prior credit card applications, based on review of my [ squeaky clean ] XX/XX/XXXX XXXX Credit Report ( summary copy attached ), it fails at doing so this time. 

Since Wells Fargo is well aware of my XXXX Dispute settlement [ which served as the primary basis for rejection in the past ], I asked the bank to advise detailed explanations w/ specific credit report examples of the infractions alleged in the list above. Although the bank has acknowledged my request, the promised response has remained outstanding for more than 30 days. As such, this complaint filing is the first of three ( 3 ) advised in my XX/XX/XXXX Wells Fargo Credit Card Application Letter ( copy attached ).
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (VA)

I was not aware that a medical collection was on my credit report until I apply for credit. I contacted the collection agency to no avail and learned it was a hospital debt that I paid. I contacted the hospital and they confirm the debt was paid. I again contacted the collection agency to follow up with the hospital and they refuse. I also requested a copy of the debt and the collection agency refused.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX of this year, my daughter 's ( XXXX XXXX ) checking account was hacked. We were notified via an email from Wells Fargo. For the record, I have full access to my daughter 's accounts and can act on her behalf. 

XXXX transactions occurred within moments of each other : XXXX. A check for {$1800.00} was deposited into her account. 
XXXX. A XXXX transaction for the amount of {$1000.00} to an unknown recipient was done. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the attempted, fraudulent check deposit. They concluded that the deposit was unauthorized and the amount of the deposit was debited without charges or losses to XXXX. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the {$1000.00} XXXX transaction concluding that it was made through a secure online banking session. 

It flies in the face of logic that the XXXX transactions occurred within moments each other ; XXXX is deemed unauthorized and the other is deemed authorized. This is hardly surprising as Wells Fargo had multiple data breaches to include a data breach on XX/XX/XXXX where vast amounts of customers ' data was compromised. 

Since this time. We have contacted the Wells Fargo claims department in an attempt to reopen the claim. It is apparent that the people that receive that calls merely follow a script. Thusly, we had requested to speak to management. On XXXX occasion, we had scheduled a time and day to have manager call us. The date and time came to pass without them calling. Another attempt resulted in speaking to a manager, XXXX XXXX [ ( XXXX ) XXXX ]. He told us that he would reopen the claim and that it would take 72 hours. Equally, he stated that he would then contact us within the 72 hour timeframe. Additionally, he gave me his direct phone number. Nothing happened. I have made several attempts to reach XXXX XXXX and left several messages. 

It seems obvious that Wells Fargo has found method of mitigating financials losses due to their poor cybersecurity by declaring only those that would result in financial loss to them are authorized by the customer. Those that cost them nothing are deemed unauthorized.
Consumer complaint received 2019-09-10
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: SYNCHRONY FINANCIAL (NY)

This bank treats me horibke I lost my job and they want {$500.00} when I call they say I qualify for a payment program for 5 years but then when they enroll me they say their system wont allow them I cancelled I told them the credit counseling and they say they dont see this is ridiculous
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (NM)

Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure