davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, Equifax and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

Chase denied me for a credit card when I have no late payments, now utilization and not a lot of inquiries. I feel that they are being selective of the application process during COVID-19 and would like my application reconsidered. 

I am willing to go to the Attorney General in my state to get this approved.
Consumer complaint received 2020-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Private student loan servicer Navient has been making CONSTANT phone calls to me ( from phone numbers that my phone carrier flags as " spam '' or " possible scam '' ) to HOUND me MERCILESSLY about making a payment that, by admission on Navient 's own statement, IS NOT EVEN LATE YET!!! 
This situation could have been mitigated, or even completely avoided, if Navient had refrained from sending me a semi-literate letter indicating that my forbearance period was coming to an end on XX/XX/2020, without ANY indication of when the next payment would be due, the payment amount, etc. It would have literally required an additional sentence on the semi-literate letter that Navient sent to me - this is hardly rocket science, and is not something that I, as the borrower, should be required to brainstorm or to fix for a multi-BILLION dollar corporation like Navient.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OR)

We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.
Consumer complaint received 2020-11-15
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX # XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity from my credit report
Consumer complaint received 2019-02-18
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: Navient Solutions, LLC. (AL)

XXXX XXXX XXXX / Navient is reporting my student loan account information inaccurately. XXXX XXXX XXXX / Navient is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with Navient several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have Navient send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX  / Navient should be reporting {$0.00} or Forbearance or Deferred.
Consumer complaint received 2017-08-01
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. (CA)

I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.
Consumer complaint received 2020-08-24
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: Nelnet, Inc. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which Great Lakes has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit 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 (AZ)

I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CO)

I signed up for a Citibank credit card a few months ago. 

I received a shady looking envelope from Citi a few months after I opened the card, asking for personal information, such as name, age, address, and a physical copy of my Social Security card, to be sent to the bank through the mail. I called Citi, and they said they needed this information to process my application, even though I had the card already and had been using it for several weeks. 

Even though it seemed suspicious I did as they asked. 

A few weeks later, I received the same envelope, asking for the same information, and I discovered my card had been locked. I was told that they needed the information, even though I had already sent it, and was offered no other way to resolve it. 

I eventually hung up, and called a local citi branch, where I was informed this is not standard practice. They transferred me to a fraud rep, who said that all that was needed was a simple text to my phone to verify who I was, and that they never should have asked for my Social Security card to be mailed.
Consumer complaint received 2022-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I been approved for 6 months mortgage payment with HAF Home Assistance Fund in Florida, last month XXXX  apply the firt payment after I submitted a complaint, but now they tranfer my loan to a new company call Newrez Shellpoint... I call HAF, the money for the second month is been send but Newrez claim they don't have it, thet haven't apply the second month payment in my account.
Consumer complaint received 2021-10-31
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: DISCOVER BANK (AL)

I am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. 

We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. 

We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. 

XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. 

I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. 

Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?
Consumer complaint received 2023-02-17
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: DISCOVER BANK (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. 
The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. 
Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... 
Please Help!
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nexera Holding LLC (CA)

Hi there, I have a mortgage broker who reached out to NewFi prior to submitting the loan to them for a cash out conventional ReFi. The process started on XX/XX/2020 when the loan manager at NewFi stated they are a " No Nonsense '' lender. The broker asked for all the necessary mortgage info ( W2 's, utility bills, tax returns, etc ). We submitted everything. Now, I'm not sure on SOP for banks but they seemed to only respond to us every 14 days without giving much info or a conversation. What got to me was the banks ability to mishandle documents. We submitted our W2 's / Tax Returns four times with them, which has me worried that they are mishandling our documents with all of that sensitive information. The straw the broke the camels back for me was the 4th time asking in XXXX for information we sent in XXXX. They basically told our broker after that they find our loan too risky ( despite meeting all requirements, having perfect credit, etc ) and that they will not submit an official denial of the loan, that they'll continue to stretch this out and ask for random items. It felt melicious and that they were agists to us given we are a young couple purchasing a home. I feel they were judging my fiance because she is XXXX as well. Always commenting about how the income is from XXXX, etc. She is an American citizen, bottom line and that should not be of concern to them since we file tax returns in USA every year. 

I tried calling NewFi myself to file a complaint and the secretary mentioned there is no way for me to make a complaint. I asked for a leadership position and she mentioned that there is no way since no one is in the office. I asked for her to send my number to someone and about four hours later, I called again, told her I really needed to speak to someone and she said she'll send it through. Someone called eventually and this guy basically was a brick wall. I couldn't get anything out of him, no empathy to the situation at all, just said I have to talk to my broker. I told him the broker can't get a response out of the loan managers unless there's a full moon out ... 

The whole process was a waste of time when we could have been filing with an organization that would fund the loan at another bank. They however deliberately wasted out time, mishandled documentation, unprofessional, horrible SOP, and bad leadership team. Their communication policy needs a serious overall and I want to complain about anger they have put us through. We were always professional, responding with request within 24 hours and wanted to help push this along. It seems to me the banks are more than willing to take the money from the Fed at a cheaper interest rate but aren't interested in funding loans and will make up excuses to not fund them ( just like what happened to us ).
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Been trying to place protective credit freeze with Equifax. Tried online and it blocked me after I provided full and all correct identification data. Then tried with their specials auto phone service and it didn't work, then I tried their special app XXXX XXXX XXXX and it too did not go through despite all correct data provided. Tried calling in without success 3 times, then sent email to customer support asking for a call back. they responded they don't call back and directed me to these same online and phone options that didn't work. I sent another email insisting to get call back they refused again. Finally got them on the phone and after a long, very annoying and tedious automatic process on the phone I finally reached a human person from support only to provide the same identification data which he confirmed is all correct. He had to place manual freeze cause the online system still didn't allowed me to do it. He claimed they have " refreshed '' my details and it should be OK within 2 hours cause they have a " system update '' now. I asked him to call me in 3 hours so that we can log in together to the system and see if it now works. He claimed they don't do call backs. I requested to talk to a supervisor explained that I am trying for 3 days to put this frees, and they still can't help me due to their own system issues, and I demanded someone will call me back so I don't have to again go through the whole long, tedious and very annoying identification process just to maybe get connected with a customers support rep. She refused and said they don't do call backs. I then asked to talk to her supervisor and she claimed their is no other option to escalate. Also they said the freeze confirmation will be confirmed by regular mail within 7-10 business days. They don't confirm it by email despite the fact that both XXXX and XXXX  confirmed the freeze with email after a short and easy process. 

Equifax is a credit rating company that operate and manipulate our personal data, and they can have major impact on our lives with their credit rating service. It is totally unacceptable that such company that uses our information and data, does not provide a suitable high level customer support service to the very same users/customers from which they make their revenues. I expect CFPB to audit Equifax, reach their CEO and force them to up their game and improve their customer support operation and service. Their current level of support is totally unacceptable. They can learn from XXXX  and XXXX  how to make this easy and transparent.