davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porania, LLC (FL)

I noticed this Bankruptcy is incorrect. I put in disputes to get remove. I havent heard anything within 30 days. By law if you dont here anything it has to be removed from the credit report. I have proof of letter that it was sent it.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

MRS Associates put a already paid account from XXXX XXXX XXXX  on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.
Consumer complaint received 2021-05-24
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. (OH)

Ive called XXXX, XXXX and equifax to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUSTMARK CORPORATION (SC)

On XXXX XX/XX/XXXX, at approximately XXXX XXXX eastern time, I called trust mark national bank based in Mississippi. I ask for mortgage forbearance due to financial hardship amidst COVID 19. I was immediately interrogated as to why I couldn't pay the loan. I explained that because of the Coronavirus, Aid, Relief and Economic Security Act ( CARES Act ) this allowed employers to defer the deposit and payment of the employer 's share of Social Security taxes. My pay had been significantly decreased. I also explained that my significant other had lost her job, leaving me to pay all the bills. The trust mark employee, XXXX XXXX, put me on hold. She returned and stated she would send me paperwork for loss mitigation. I asked if this loss mitigation was in regards to COVID financial hardship. She stated no and that it was something they did for individuals who had issues paying their mortgage. I stated I needed the help and could pay in about two months, but couldn't pay now. I asked if I filled out the paperwork and the results from the Trustmark on the loss mitigation paperwork didn't come back in time for payment would it be reported to the credit bureau? She stated it would most definitely be reported to the Credit bureau. I stated please send me the paperwork. I went home and did the necessary research to ensure that I qualified for the financial hardship mortgage relief act. It stated that VA backed loans qualified in reference to the CARES ACT. I called the Trustmark back and XXXX XXXX answered the phone again. I calmly explained that maybe I did not explain my situation properly. I gave her the details and the CARES act information. She stated I didn't qualify. I asked to speak with a supervisor, she stated he was on the phone. I told her I would wait until he got off. She hung up on me and sent me to his voicemail. During these troubling times I am taking care of two kids and my significant other. This is the last type of service that I thought I would receive after fighting for my country. I am absolutely appalled at how I was treated and would like to helped.
Consumer complaint received 2018-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

I had a medical bill on XX/XX/XXXX from emergency room that I didnt know about and never received anything in the mail. The debt went into collection in XX/XX/XXXX I came to find out about after it went in collection and paid it off approximately by XX/XX/XXXX-XX/XX/XXXX that year. 

The collection company that had the debt was ( Transworld Sys Inc/33 ) Attach you can find my credit report and see page # 3 showing account was closed.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

The problem is summed up mostly in the communication I sent to Chase, issuer of the card : " I am writing regarding a dispute of the above charge that was originally filed on or around XX/XX/XXXX. Chase responded with a letter on XX/XX/XXXX, stating that the charge was valid, but I called Chase on or around XX/XX/XXXX, to renew the dispute and explain that Chase had been given incorrect information by XXXX in its effort to sustain the charge. Thus, I am writing you now. When I made the XXXX booking on XX/XX/XXXX, the following flights with the following times were confirmed : Sunday, XXXX XXXX, XXXX XXXX ( XXXX ) ( TN ) XXXX XXXX XXXX XXXX Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( TN XXXX XXXX XXXX XXXX These flight times were acceptable to me. However, on or around XX/XX/XXXXXXXX XXXX  unilterally and without my consent, changed the departure time at XXXX on XX/XX/XXXX from XXXX to XXXX, and the departure time from XXXX on XX/XX/XXXX from XXXX to XXXX. These time changes made both flights totally impossible for me and my family to use. Therefore, we did not fly on these flights. 

The Department of Transportation has indicated that consumers are entitled to a refund if there is a significant schedule change. Both changes were clearly significant schedule changes as they involved hours difference on both flights. Therefore, we can conclude that XXXX and I contracted for XXXX flights at a certain schedule, and then changed the departure times of both significantly. My family and I then became unable to use those flights because of XXXX schedule change, and in fact, did not use the changed flights. Therefore, a refund should be issued. Thank you for your attention to this matter. '' After receiving this communication, Chase refused to refund my money.
Consumer complaint received 2018-10-13
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. (MS)

On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to XXXX and Equifax with inaccurate and obsolete information thats shows on all XXXX credit bureaus and they will not remove it.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XXXX of this year I was charged from XXXX XXXX around XXXX and change for vape oil that I did not receive. When I was living in mass there is a law for flavored vape oil that you sign -- I was left a slip by the USPS and put RTS and denied on the slip -- I did not sign for it and I implore citi bank to have the usps show them or mig vapor to show them where I signed bc I did not -- hence never getting it.
Consumer complaint received 2018-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

They keep overcharging me for interest and incorrectly appying payments. Please see XX/XX/XXXX statement and payment history. The interest amount due XX/XX/XXXX on statement is a little bit over {$70.00} however, when I made my payment on XX/XX/XXXX, they applied over {$90.00} to interest. Why? This is not the first time they apply interest more than it should be.
Consumer complaint received 2018-10-13
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)

AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! 
THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
Consumer complaint received 2022-10-05
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-13
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 (VA)

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (OH)

I resolved a debt with my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. I attempted to contact XXXX XXXX XXXX directly regarding the issue but the call was disconnected and I did not hear back from them. 

I began to receive calls from AFNI. On XX/XX/XXXX, I spoke with a representative and informed him that I had a letter from XXXX advising that the debt was paid. The collections agent told me that XXXX must not have told XXXX XXXX XXXX that the debt was not paid and it was transferred to AFNI, and that they had another situation like that with XXXX  just before contacting me. They provided me with an email address to email me the letter to and that they would send it to XXXX XXXX XXXX and clear the debt. The email address is XXXX On XX/XX/XXXX - XXXX from AFNI called me to collect the debt, and I explained to him that I sent the letter. He apologized and asked for me to resend it. I did so, and did not hear back. 

On XXXX- I received a call from AFNI again and the gentleman was very aggressive and abrasive. He told me that I owed the debt, and I attempted to explain that the debt was paid. He told me that the debt was not paid and that I owe the money. I told him that I sent two emails per AFNI 's instructions and he told me that I did not. I am providing proof of the emails attached.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AL)

I have a crypto account with Coinbase pro and I usually use their app to trade or transfer money and check my portfolio but for the last 2 days I can not access my account through their Coinbase pro app on my XXXX. I contacted their support which are very incompetent and do NOT know what they are doing and are NOT capable of fixing my issue. And still till now I can not access my account and I have crypto in it and I have invested a lot of my money with Coinbase pro but they are not helping me access my account and they can not resolve the issue and I do not want to lose all my money
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citibank had a promotion for {$400.00} bonus if you deposit {$15000.00} in new money to Citi bank within a timeframe and I've already met the criteria and they are arguing with me that the bonus was not tied to my account and that they can't find it. It's been a couple months now with getting the run around from their customer service. My name is XXXX XXXX
Consumer complaint received 2018-10-13
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: BARCLAYS BANK DELAWARE (KY)

Applied for personal XXXX XXXX  credit card issued by Barclaycard. The representative stated that I was denied due to too many cards opened with the past 24 months. I asked him if the same policy rules apply for the business card. He stated that the policies were different since the business card is a different product. I then applied for the business card and was denied for the same reason as the personal card ( too many credits cards opened within 24 months ). I called again and spoke to a manager ( XXXX ID XXXX  ) who stated the the personal and business cards had the same policy which was in conflict with the first representative. If I would have known that information, I woud not have applied for the business cards as my credit score was effected in a negative manner with two hard pulls.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

Keybank pre-approved me for an {$80000.00} mortgage based on my income. Their broker made it sound like this was a done deal. They did not disclose all of the requirements at the beginning of the process.

Then they began giving me the runaround on approval, in relation to requirements that, had they been disclosed in the beginning, would have deterred me from choosing this lender. This went on for several weeks, during which, instead of giving me all of the information, they doled out one new request at a time. This eventually ended with them insisting my husband had to cosign for the loan, and we had to start all over.

Then they gave us both the runaround for a few more weeks, including demanding that we explain to them where Keybank 's own inquiries into my credit for the previous mortgage application that the bank abandoned came from.

In the end, they denied the loan, leaving both my credit and my husband 's credit damaged by their multiple inquiries, the seller whose property we were planning to buy doubtful that we'll be able to make the purchase, and our landlord with renters who have no lease but can't move out.

Upon putting us in this position, Keybank 's broker finally admitted to us that another option he had actively discouraged us from using, OHFA, would have been better for us all along, but he didn't want us using that option because it's not through Keybank and they wouldn't make any money from it.

This lender acted dishonestly to prevent a potentially profitable client from getting better service elsewhere, and damaged our credit in the process.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MI)

First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OR)

I was first notified in XXXX from Synchrony Bank that there was an outstanding balance of {$1500.00} due from a PayPal Credit card. I spoke with them and told them I dont even have a PayPal credit card. 
They asked if I current resided at a certain address, I did not. It was the address of my sister and her ex-husband. From what I have figured out one of the two opened a credit card in my name and while my sister was hospitalized in XX/XX/XXXX these charges were made. 
After repeatedly telling them it was not mine they sent me a letter to file for fraud.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In 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 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (FL)

I WAS REVIEWING MY CREDIT REPORT AND I SAW ACCOUNT WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY INFORMATION AND APPLIED FOR THIS. I DON'T HAVE ANY SIGNATURE OR AGREEMENT WITH THIS COMPANY.
Consumer complaint received 2018-10-13
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-01-10
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MN)

I have sent multiple loss mitigation paperwork in to ditech with no response from then. On XX/XX/2019 they finely responded telling me that I won't be able to eligible for loss mitigation until XXXX. So my point of contact for direct postponed the sale. She stated that they have all the paperwork that is need and the application is complete I got a letter. Well now I'm being told by Customer Service that loss mitigation opportunity is not an option for me to get and I have to pay {$13000.00} to save my home. But I get different story from each person I talk to every time I call. I just want to save my home and get the payments lower to {$1200.00} so I can afford to pay for the mortgage. Ditech forced this foreclosure on me by not allowing me to make payments to them when I was 21/2 months behind do the loss of job and loss of house income from my mom who moved out on me. Please help me with this dealing with ditech is a nightmare without any useful information and not one answer on how to reasonable come to a Resolution. 
.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IN)

I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (KY)

I opened a account with Personal Finance in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted personal finance company on XX/XX/XXXX they stated it would be removed from my XX/XX/XXXXand XX/XX/XXXXbureaus but it has not yet been deleted.