davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

Recently my credit card vendor, Discover, notified me that my account may have been compromised. Discover issued me a new account and card. Discover said it was not their system that was compromised, but a merchant. I asked Discover what merchant was compromised, but Discover refused to divulge that information. I may want to avoid the merchant so I think I should have right to know who the merchant is. Here is Discover 's official response. 

" Thank you for your message regarding a merchant compromise. I understand your desire to know which merchant was compromised and I will be happy to address your concerns. 
I am afraid that we are not authorized to disclose the name of the merchant in this case or dates. However, please be assured we are actively monitoring your account and you are never responsible for any unauthorized use of youraccount. ''
Consumer complaint received 2017-04-29
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. (AZ)

I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DC)

Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OH)

Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I am complaining about the fraudulent hard inquiry put on my equifax credit file by XXXX XXXX XXXX on XXXX XXXX, 2015. I have had never contacted them or being their customer in any way directly or indirectly and they have stolen my personal information and requested that hard inquiry. I contacted them several times but they are not responsive or helpful in anyway. I requested them to remove the inquiry but they passed me to Equifax while Equifax claims that they have no ability to remove that inquiry. I contacted them again and they are not responsive. I explained that XXXX needs to contact equifax business office to get that removed by they deny and deny anything they can do about it.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I applied for my Discover It Secured credit card on XX/XX/XXXX, and was required to pay a security deposit and complete identity verification before the card could be opened. My security deposit was withdrawn from my bank account on XX/XX/XXXX, and Discover confirmed that my information was verified on XX/XX/XXXX. I received my card and it was activated on XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my account was closed because Discover was unable to verify my personal information. This was after I have spent the past month completing the verification process and having it confirmed. It was a prerequisite to opening the account, so if I wasn't verified the account wouldn't have been opened. There is no reason to now close my account immediately after successfully opening it, before I have even had a chance to use the card. 

I have contacted Discover and they did not resolve this issue or give me any additional information. I was only given a XXXX XXXX mailing address to write to them about the issue, which is not acceptable to me due to the slow nature of mail communication.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

When I pull my Equifax credit report from a credit monitoring site, I receive a report with XXXX trade lines. Contacted Equifax about this and they verified that I have XXXX files. Stated that they will merge the files. Dispute results state that they ca n't merge the files, and did not send me a copy of the other file. I have tried numerous times to pull my equifax report, even from myFico to check the score. The report with XXXX trade lines always comes up. I am unable to pull a report with my positive trade lines ( XXXX accounts ) and ca n't get a credit score for the report with the positive trade lines. I have no idea what is actually on the second report, which creates a problem with applying for credit. If I pull the report from the equifax dispute website, I alway 's get the report with only XXXX trade lines on it. As the consumer I do n't feel that I should have multiple reports. If there are multiple reports I should be able to access all reports, as I am paying a credit monitoring company to view these reports. As stated above although I know what should be on my credit reports. It is difficult to decide credit related decisions without actually seeing what is on the report, or what the credit score is. Thanks in advance for your assistance in this matter.
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Paypal Holdings, Inc (KY)

This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (PA)

I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Consumer complaint received 2023-02-24
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. (CA)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMCOL Systems, Inc. (NC)

I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (CA)

XXXX direct express has allowed someone to empty my account of all my moneys and not even told me how or why they let it happen!!!, Just that they let someone wire all my savings to someplace and now its EMPTY and they wont let me know how this has happened with out my evening knowing Anything about it? 
I would like to talk to a customer service person on the phone to ask some questions about it! Not a computer voice that does not answer it just hangs up on me and says thank you good by!!!! 
My savings of over {$2000.00} fixed income for all my living needs is gone!! 
What can I do.?? Do I have any one to talk to?? And will this keep haplnging again next month when my SS check is sent? 
Any help will be VERY APPREATED!!!
Consumer complaint received 2015-05-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IN)

Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
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Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.
Consumer complaint received 2017-03-28
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (TN)

I had an outstanding balance with my college. I paid them the balance that I owed. I checked my credit report & saw that the college sold the debt to a collection agency. I disputed with the collection agency to let them know that I did not owe them & that I paid the debt to the original creditor. After getting the dispute results back, it was updated on the collection account as " Paid collection. '' This is inaccurate as I paid the debt to the original creditor. I 've disputed this account many times & I keep getting the same results. After disputing again, Coast Professional responded and CONFIRMED that I paid the original creditor and not them. I will attach that document to this complaint. I have never done business with Coast Professional. I have never heard of them until they were on my credit report. I have been disputing this inaccurate collection account reporting on my credit for almost 2 years. Remove it now.
Consumer complaint received 2016-09-29
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive