davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MA)

I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. 
Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). 
I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. 
The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. 

I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. 

Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. 

Thank you, and keep up the great work!
Consumer complaint received 2016-12-05
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SECURITY FINANCE CORP (SC)

I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

I paid my Citicards statement on line on the due date ( XXXX XXXX ), however the company did not post the payment until XXXX XXXX and charged a {$27.00} late fee. I have never had a late payment on this card. I sent a message to Citicards requesting a credit on XXXX XXXX. The automated response promised a response within 24 hours, but no response. I called the customer service rep ( XXXX XXXX XXXX ) on XXXX XXXX, was told that the automated system did not allow a credit, and that I could not speak with a supervisor. She said that she would ask a manager to call me back within 2-3 business days, but no call back. Very frustrating.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

My wife and I had to short sale a house through XXXX which was done successfully on XXXX XXXX, 2010. This company was purchased by XXXX XXXX who claim they have no record of the transaction and referred us to their debt collection company, XXXX, who claims they have no record of the transaction. XXXX 's entry on our credit report says foreclosure not closed. The entry of forerclosure not closed or short sale prevents us from refinancing our house even though we have very good credit. Equifax does not have a clear way on their web site to dispute an entry. Please advise.
Consumer complaint received 2016-04-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevSolve, Inc. (AZ)

A collection of {$200.00} showed up in XXXX XXXX on my credit history for a debt issued in XXXX XXXX. The collection agency did n't make any attempt to contact me and posted the debt directly on my credit history. On XXXX/XXXX/XXXX I asked them to provide details about the debt like what is the debt about, who do I owe the money and they have not responded to my request. 
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.
Consumer complaint received 2016-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (IN)

I have been in contact with the original creditor on this account that is over 7 years old. At the time of service I had insurance and the company shows that my insurance paid the bill an that I no longer owe them anything. While waiting on my insurance to pay the counseling office Senex bought this account and has reported it to my credit. I have tried to contact them through certified mail for them to remove this off my account, they will not respond to my mailing. I have called them and they refuse to communicate with me just demand that I pay them even though the account is not owed any money. They have now been violation of my rights for over 30 days, and refuse to delete the account. Todays recorded conversation shows a new violation the lady was able to tell me what procedure I had done with who I meet that day and medical conditions therefore violating my HIPAA rights. I have this recorded on my phone as I have been keeping all documents and recordings with this company. I have all my credit reports for the past year every 3 weeks I collect them and they fail to update my report or remove themselves from my reports.
Consumer complaint received 2017-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (MD)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Sent them several disputes regarding this matter. I keep getting the same response. " Inquires are a factual record. If you feel this is fraud contact the creditors. I have contacted the creditors also and get told I have to have Equifax remove them. They have since locked me out of the online dispute process stating my information does not match. I 'm 100 % sure my information matches. I then faxed them a new dispute with an intent to file suit letter and they have ignored that also.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. 

See documents attached, Thanks much
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX-XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both Equifax and XXXX. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX 's report.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

On XX/XX/XXXX I was checking my Discover Card statement I noticed two separate charges at XXXX that I did not purchase : XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$350.00} XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$420.00} From what I could tell someone accessed my XXXX online account which had my discover card in it. They made these two separate purchases and then picked them up in store, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

I disputed the charges with Discover right away ( XX/XX/XXXX ) stating I did not make these purchases and the quickly reversed the charges. However once they spoke with XXXX, XXXX provided them with the receipts for the purchase which Discover deemed valid and then re-charged me. I received the dispute case closure notifications on XX/XX/XXXX and XXXX for each charge. 

I have since sent a notarized form to XXXX also disputing the charges. I received a response on XX/XX/XXXX from XXXX just stating the same thing saying it was valid and I need to follow up with Law Enforcement. 

On a side note on XX/XX/XXXX the person returned one of the items at a different store, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, and I did not see that return charge on my Discover Card. 

So as of right now I have been charged {$780.00} for items I did not purchase.
Consumer complaint received 2016-04-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NC)

I signed up with Bill Me Later. I linked a bank account to make payments on that account. When paypal brought out Bill Me Later I suddenly have a Paypal credit account. So my bank account remained linked now to my Paypal credit account. Paypal was always suppose to use my paypal credit for any charges. It went this way for a long time. Then suddenly last month Paypal used my linked bank account to make charges. I called them and informed them I never authorized my bank account to be used as a form of paying for items. It is only used to make payment to paypal credit. They said okay and now they have charged my bank once again and caused the account to overdraft. I have never linked an account to paypal only to Bill Me Later which turned into Paypal credit.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (DC)

I am currently experiencing some of the problems listed out in the allegations, including an enrollment of Paypal credit without my knowledge, illegal billing practices ( I believe XXXX, as well as a shocking inability to reach anyone at Paypal Credit XXXX or PayPal XXXX customer service who can help me figure out my issue. They are emailing me and calling me every day insisting I owe them money however I am seeing absolutely XXXX activity in my account -- in fact, I do n't think I have ever used their services. However, every time I call them I am on hold for close to 1 hour before having to hang up, and every time I email them, no one is able to help me reach a resolution or aid me in understanding where these charges are coming from. They are saying that my balance is {$570.00}. 

On XXXX I called the CFPB to discuss my complaint and the representative directed me to file this form for an official complaint.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MA)

Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc. (FL)

XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (CA)

A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (VA)

Safe Rent has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called Safe Rent but XXXX at Safe Rent refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (SC)

I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.