davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I have been disputing that Equifax should not allow State of Washington Child Support XXXX on my credit report to report anything because I am on SSI. That SSI is my only income and they can not perform this legal act. I applied for SSI XXXX XXXX so this applies since XXXX XXXX. I was approved XXXX XXXX. I also noticed they have reported numerous times in XXXX, when they are to if it was a legal act report only a few times a year. This is to prove they are in control and a malicious act. Well now I am in control and this fraud will stop. 

I have an email from XXXX XXXX whom is head of XXXX, Wa Federal Office of Child Support whom agrees with me and the law that Division of Child Support should not be reporting to ones credit report that only income is SSI. My only income is SSI. There act is illegal and has been. My credit score has been affected by this and needs to be reflected in the change. As well, not once did I receive notice since XXXX that Division of Child Support was going to be reporting to the credit bureau 's. Per Federal Law safeguards are mandatory and my due process was denied. This fraud child support tradeline in its entirety needs to be deleted from my credit report and score reflected. Please feel free to contact XXXX XXXX for confirmation. 






XXXX XXXX XXXX ( 2 days ago ) to XXXX Thank you, but my question is regarding permanent XXXX. SSI is not counted as income. 


What is your thought on this Federal Law? Reporting to the credit bureau is a legal process right? 

" " The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ) ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. In addition, section 459 of the Act ( 42 U.S.C. 659 ), which overrides section 207 of the Act, provides that only benefits which are based upon remuneration for employment are subject to legal process for child support enforcement. " XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ( 9 hours ago ) to me I can indeed confirm to you that SSI benefits can not be garnished or intercepted. A taking of your SSI dollars by a collection intercept, either directly from the Social Security Administration or via a bank account garnishment after they 've been deposited into your account is something we have clearly instructed state child support agencies they can not do. 
I do interpret this provision to mean that Washington State is forbidden from reporting an outstanding child support debt to a credit bureau if someone is receiving SSI XXXX benefits. 
XXXX XXXX Here is his contact information. Contacting Division of Child Support XXXX, WA will do you no good. They lie. 
Look down the list and you will find XXXX XXXX contact. He is in charge of DCS XXXX, Wa. Above all of them. 

http : XXXX
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NY)

I wrote to XXXX and XXXX of XXXX Chase regarding a dispute that was denied. I received a call from XXXX and she advised me that the call was being recorded. I asked XXXX to hold while I set up my recording apparatus and she told me that I was not allowed to record the conversation, which I then terminated. I wrote to XXXX to complain about this and XXXX wrote back that essentially that is JPMorgan Chase 's policy. So, they can record me but I can not record them. That is the nub of my complaint.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MI)

I contacted Chase Bank to re-finance my recently modified mortgage. Loan officer was fully aware of the date loan modification, and should have known prior to my application that it would be declined due to company policy. Now my credit rating is again reduced due to their negligence!
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Experian has a ongoing issue of not updating my correct address I have hade to pay people to help me with this before however it cost me allot of money Experian seems to go out of there way to cause chaos and have no fear of doing so when I try to dispute this issue myself the online system ask me security that make no sense and can not be answered correctly and a screen come up saying unable to complete please fax your dispute to this number
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (MI)

My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. Thank you.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Co. (FL)

XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX has a problem with an online bank. The bank has never been able to credit payments made to XXXX different accounts : XXXX and Sam 's XXXX XXXX. The XXXX account was paid in XXXX 2015 and the Sam 's XXXX XXXX was paid off in XXXX 2015. 
The online bank claims that XXXX paid the XXXX debt at Sam 's Club and still owes money on the Sam 's XXXX. 
The assertions by the bank are preposterous because my wife could not have made a payment to an XXXX account at Sam 's Club. Can you help?
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (IL)

Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My report 's of inaccurate information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DE)

I did a dispute with Equifax with a Account that was CHarged off with XXXX XXXX XXXX and the Collection company and provided documentation that the account was paid. Equifax updated the information for XXXX XXXX XXXX and did not fix up the collection account as paid which documentation was posted on my dispute.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (AZ)

I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (AZ)

I took out a credit card through synchrony credit company for my XXXX back in 2012. I 've been making my payments around the XXXX of every month through my checking account bill pay program. I never paid much attention until I recently noticed my balance did n't seem to be shrinking. I have never received any statements from the company, so I logged in to their website for the first time two months or so ago and found that on a no interest charge I was being charged interest and all kinds of late fees even when it was paid on the day it was due. I called Sychrony and they refunded a year or so of these charges. So I naturally asked what about the other 3 years that I had been paying on this account, and I was informed that they were not capable of looking that far back and that the statements needed to be mailed out. So I waited patiently for them and they never arrived. Low and behold I start receiving phone calls stating that my {$93.00} payment is now {$230.00}. I called them and informed them that I will not be making any payments until I receive the statements they were supposed to send me. I spoke with a manager that informed me that they have no telephone number for the department that ships out their statements. I found this utterly ridiculous!!! I informed said manager that until I see those statements to see how much I was charged on my no interest credit line I will not make a payment. I 'm having an issue with the fact that the minute I complained about this practice of charging me interest was illegal that they took off almost {$400.00} just for the one year in interest and late fees. I do n't know who else to file a complaint with because I ca n't get anywhere with this company. They admitted they were wrong and refunded me more than {$400.00} for one year. I only owe {$680.00} of remaining balance. I 'm sure I 've paid in more than that in interest and whatever else over the course of those other years. Any help would be greatly appreciated
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (PA)

Last week I received a Wells Fargo Debt card. Yesterday I got the pin for the card. 
Problem is I don't even have a Wells Fargo account. 
Just saw on the news there might be sanctions against them because they creating accounts that aren't there. 
XXXX tried to call them but they said we don't do this and then got hung up on ....
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL (MD)

I intend to transfer some balance that I have with Synchrony financial, but their website does n't show the account number that I need to transfer the balance I have with them, I want to do a balance transfer to this other card with much, much better rates. Their rates are very, very high by the way. Regardless, the issue is that I ca n't get my account number over the phone because the numbers are omitted from the E statement. Perhaps is that they do n't want you to transfer the balances from their cards that hold outrageous interest rates. Their response is that they are not authorized to release the account numbers over the phone, not even to the owner of the account. My account is in good standing and i 've been paying it for years without skipping a beat. I bring this to you all attention because it seems that they want you to be captive by them and their outrageous interest rates. I feel they are taking advantage by making it very difficult to do any kind of balance transfers. Please investigate this crooks. Thank you.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TX)

I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.
Consumer complaint received 2015-07-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

XXXX sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

XXXX is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like XXXX to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (MO)

I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says XXXX needs to be deleted
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (CO)

I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.