davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OK)

Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AA)

I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (AZ)

I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (TX)

Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC (KY)

I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I filed chapter XXXX bankrupty and it was discharged XX/XX/XXXX, yet many of the debts that were discharged have reappeared and are lowering my credit score. In addition to this in XX/XX/XXXX I purchased a vehicle from XXXX XXXX and although my loan was pre-approved for the total purchase amount and had already been given by XXXX, the credit manager still sent several credit inquiries on my account up to XXXX more creditors including another to XXXX who had already given the loan again causing a lowering of my credit score.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

EXPERIAN HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EXPERIAN JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EXPERIAN TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

renewed collection dates are being reported on several accounts. I have disputed the accounts with the collection bureau. One in particular, XXXX reports that the debt is new as of XXXX/XXXX/XXXX, However, XXXX deleted from my report XXXX XXXX, XXXX XXXX XXXX {$1300.00}. XXXX shows the first date of delinquency XXXX/XXXX/XXXX. When a credit report is pulled this debt is reporting as delinquent on XXXX/XXXX/XXXX. I have attached the dispute that now reflects removal of the debt in XXXX. But is still showing the debt delinquent on XXXX/XXXX/XXXX. I have attached the dispute showing removal date updated and not the reporting date.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

XX/XX/XXXX, Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them XXXX, inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items. This is fraudulent and I will seek legal ground If this is not corrected. All of the other credit bureaus have my personal information correct except for them. I think something seriously needs to be done about their practices. 

I need for the following addresses that are not mine and should not be reporting. 

XXXX XXXX SC XXXX ( what is this??? this is an office building ) I looked it up. 
XXXX XXXX SC XXXX XXXX XXXX CO XXXX XXXX XXXX SC XXXX Delete these names that are not accurately reflected on my SSN card or my drivers license. This is fraud also. 
XXXX XXXX My name is XXXX or XXXX
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (DC)

US Bank has apparently implemented a type of late fee charge on mortgage payments. I just made my XXXX XXXX mortgage payment on XXXX XXXX and there was a {$5.00} fee added on that I had never seen before. I 've made mortgage payments after the XXXX before, and never made on late ( past the XXXX ) and this fee was never there. I sent them XXXX and they responded by saying that this has been in place since XXXX ( XXXX I assume ) if you pay your mortgage online after the XXXX of the month the {$5.00} fee gets added. 

This seems to me like it 's a " late fee '' being added on that was not part of the mortgage agreement I signed in XXXX.
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CO)

I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (SC)

On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from US Bank, XXXX, XXXX XXXX, MO XXXX notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS XXXX. '' The letter also stated that my XXXX XXXX XXXX credit card account ending with : XXXX had a balance due of {$210.00}. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called XXXX as directed that same day XXXX/XXXX/16 and spoke to XXXX in the Collections Department of US Bank. She told me that the balance due was actually {$2.00} and that all other charges had been reversed on XXXX/XXXX/16 and that my XXXX XXXX XXXX credit card account ending with XXXX had been closed. She told me that this originally occurred because an annual fee of {$85.00} billed in XXXX 2016 had not been paid and finance charges and interest had accrued. I explained to her that this was very upsetting to me because no bill had been mailed to me until this letter dated XXXX/XXXX/16 and no notice had ever been sent to me that all bills for this personal account would be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank XXXX XXXX XXXX XXXX credit card account ending with : XXXX was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the XXXX XXXX accounts were handled by another division. XXXX was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to XXXX. XXXX kindly reversed the {$2.00} remaining current balance due leaving the final balance of {$0.00} ( zero ) for the account ending XXXX. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my XXXX different accounts because the XXXX XXXX accounts were handled by another division. She also explained that the personal account ending in XXXX could not be re-opened after this episode and that I would have to re-apply. XXXX was very courteous and professional. 

My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the XXXX, XXXX, and/or XXXX consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP (AZ)

I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help?
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.
Consumer complaint received 2021-01-19
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. (NJ)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Early in the morning on Friday XXXX the XXXX I was a victim of identity theft. 
My last 2 transactions were at XXXX am for XXXX at XXXX XXXX and one for XXXX dollars at a local chase branch at XXXX am. 
When I woke up at XXXX I realized my debit cards were missing so I checked my app and realized there were XXXX unauthorized transactions on my account for a total of XXXX dollars. 
Chase initially gave me a temporary credit, but as off a week ago they revoked my funds and stated that there was a discrepancy on my behalf that there was a charge after the time of my cards gone missing that I didnt dispute which is false because that transaction was done before my cards were nissing the transaction of XXXX was at XXXX am. 
XXXX is bullying me and refusing to answer my questions and stated that there disission is final. 
Yet they did not even do a thorough investigation because they didn't even verify the cameras. 
Chase is bullying me and is using me as a scapegoat. 
Here is my Police Report # XXXX Please help solve this terrible. situation. 
XXXX
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CT)

I wanted to order a credit report with Equifax. They only offer an ongoing service that charges your credit card every month but they say you can cancel at any time. What they do n't tell you is that you ca n't cancel online and you have to call so they can try to talk you out of cancelling. I think that ANY company that allows you to order a product online that is subscription based should be REQUIRED to allow you to easily cancel online.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).