davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
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. (NV)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE
Consumer complaint received 2018-11-18
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: EQUIFAX, INC. (FL)

On the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have disputed account : XXXX & XXXX  opened 1 investigation each both removed : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX '' as fraudulent along with supporting documents. 

Equifax performed 3 investigations and results account was verfiied. 

However, XXXX  & XXXX  performed 1 investigation and has removed account : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX ''
Consumer complaint received 2019-12-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Last XXXX I was asked if I would like to have my Bank of America business Account looked at from a small business BOA banker who they said might be able to give me some insights as to what Bank of America could offer with my business account in the future. They set a meeting up with XXXX XXXX from Small Business Banking. We had a meeting about my business and what work it was doing. I told them that I was good Shape with my banking for now, but glad to know what the bank can offer down the road. I was sent to my office a remote deposit machine that I did not want. I did not open the box and told XXXX XXXX to come pick it up from my office because this is something that I will not use and never asked for. XXXX came a picked the machine up. I thought that this issue over. 

My CPA told me on XX/XX/2019 that my business checking account is being charged {$15.00} a moth for a remote deposit machine since XX/XX/2019. I went right to my BOA brach and reported this problem. They maid some phone calls and told me that I would need to talk to my small business banker XXXX XXXX. I returned to my office and called XXXX XXXX many time with no answer and I could not leave a message because his mailbox is full. I called BOA help line and was passed around and found out that a charge of {$250.00} would go against my account to stop the remote deposit machine charge. I did not ever want or even open the box for this machine and it was returned to BOA. During another call to BOA I was informed of XXXX XXXX 's Boss XXXX XXXX. I called XXXX right away, and left a message. Later that same day XXXX returned my call and informed me that he was going to take care of everything. 
One week went by and no phone call from XXXX or XXXX. I called both of them again. 
finally, I received a email from XXXX informing me that I needed to call the remote deposit team to take care of this problem. I responded to XXXX and told him that they needed to handle this by XX/XX/XXXX and put my money back into my account that they had taken without my permission. Today is XX/XX/XXXX, and no action or money is back in my account. This is deceptive, dishonest and abusive behavior of the bank. It is outrageous and absolutely unacceptable. If they are doing this to my business they must be doing it to all businesses. This is flat out stealing from the customer. I have spent so much time trying to resolve this issue with the bank, please help me.
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (VA)

I am having a difficult time getting my private loans from Activate Financial discharged. Also, the money that was paid on the account balance originally, must be reimbursed. However, the original creditor, ( XXXX XXXX, XXXX. ), is no longer the current creditor as it is now, Peaks Trust XXXX. I do not have any of my previous receipts to prove my claim, however, I am sure that I have paid close to {$2000.00} on my original account balance. Originally, my account balance exceeded {$8000.00} and now it is just above {$6000.00}.
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Company CareCredit/XXXX XXXX Previous balance XX/XX/2018 {$1700.00} with 1 % interest rate New balance XX/XX/2018 {$2700.00} with 26.99 % interest rate interest charge ( net ) {$1000.00} The math does not add up, why so much?
Consumer complaint received 2018-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Why are you all allowing Navient to get away with ruining so many people 's financial futures? Have you not looked at the complaints, which basically tell the same story -- that this company has no business handling loans, or even being allowed to operate? 

I have complained before, to no avail, about how my loans were handled. Number one, they called my employer back when I worked for XXXX several years ago, something I had never told them was okay to do. Then, when I began paying them {$210.00} a month after being told for MONTHS that I HAD to pay {$1200.00} ( the first request for that ludicrous payment was made not even a MONTH after I graduated when I was only making {$11.00} ), I ASSUMED that my payments were being split up between my multiple accounts. I AM STILL WAITING for someone to explain to me how ANY of those loans went into default. The only conclusion I can draw is that my payments were NOT being applied as they were supposed to. Not only that, the balance NEVER WENT DOWN. Now I'm getting sued left and right after asking for HELP. I don't understand how this can continue to happen. I was NEVER offered IBR, I was told I had used up the ONE forbearance I was allowed, etc. This is crazy!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received gift cards for my XXXX children for {$100.00} each. ( XXXX cards ) As I tried to activate the card it stated that there was no funds in the cards. I called the consumer services at XXXX And they stated that there was fraud and that they will go ahead and issue me a new card. On XX/XX/22 I received new card and activated both cards again for {$100.00} each and set up a pin per institutions. 
I went to XXXX in XXXX, Ca and tried using the cards and is was invalid again. 
I called customer service again and they said that due to fraud card was disabled. These people are frauds and they shouldnt be allowed to sell cards. I asked their company name they wouldnt provide it. The gentleman stated that they are unable to provide that information. He stated he will reload and that I should be able to use the cards in 1 hour. No consumer should go to the extend of frustration to use a card that was a gift and unable to use it for months now. This was a XXXX gift for my kids. They are purposely not allowing consumers to use the cards and that they get frustrated and throw the cards away and they keep the money. There shouldve be able to sell! They are fraud!!! 
XXXX info : XXXX XXXX My name is XXXX XXXX XXXX : XXXX Phone : XXXX
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

For the payments I made in XX/XX/XXXX and XX/XX/XXXX as regular monthly payments Wells Fargo applied all my payment as a principle payment instead of principal and interest so it looks like I haven't made a payment in 2 months. I have gone into a branch to try to fix this and most recently I called into their call center. It still has not been corrected.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I requested a money transfer on XX/XX/XXXX and received a Transfer Confirmation Receipt pdf which showed both the Funded and Paid Out dates asXX/XX/2019. However, the recipient is yet to receive the transfer. I called TransferWise customer assistance on XX/XX/XXXX and was advised to tell recipient to go to his bank with the receipt for collection. On XX/XX/XXXX, the recipients bank informed him that the money had not made it over to the bank, and that he needed a different form to be able to collect the transfer. The bank also informed the recipient that he would have to collect the money in XXXX, even though his bank is in XXXX where he lives. I called TransferWise back on XX/XX/XXXX to request a cancelation of the transfer. However I was told that it could not be canceled, and they are unable to determine when the transfer would be completed at this point. I was asked by the representative to wait and they would contact me via phone and/or email whenever they are able to determine that the transfer is truly complete and ready for collection. It has been 8 days since I made the original request. The time it takes for transfer was falsely represented by TransferWise and now I have no way to know how much longer it might take. I find this rather unacceptable.
Consumer complaint received 2020-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Five years ago, my husband and I applied for the Forgiveness program through Navient for our student loans. We were told at that time that if we make 120 consecutive payments that the balance would be forgiven. Four years into the program, we called to check and make sure we were on the right track because we were going to retire and planned that this loan would be payed off after 120 payments. Upon that call, they informed us that we were not on that program and were given misinformation and that it would take 25 years to pay off our loan. Well after we retire. We would have done something else five years ago if they had not given us misinformation.
Consumer complaint received 2020-07-07
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. (TX)

The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

My credit report incorrectly shows 3 late payments on my mortgage payments to XXXX XXXX ) XX/XX/2018, XX/XX/2018, XX/XX/2018. I have made these three payments on time. 
XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XXXX XX/XX/2018 ( XXXX  payment history file ) I am attaching both monthly bank statements and XXXX  account payment history file ( downloaded from XXXX  ).
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Re : paypal.meXXXX email : XXXX XXXX On XX/XX/2020, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX, for my son from a company I found on-line. I had been looking for the XXXX set for some time and it was sold out every where. I immediately placed my order without vetting the webpage. I can not recall the name of the initial company from which I placed the order and normally I would have immediately received an email confirmation. In this case, I did not. On XX/XX/2020, I received an email from XXXX XXXX, which was definitely NOT the initial company that took my order ( See attached ). The order confirmation email listed USPS tracking number XXXX which has never been a valid tracking number according to the USPS. Further investigation revealed that the phone numbers are not real, that there are multiple company names associated with the biller, XXXX XXXX XXXX XXXX XXXX XXXX, such as XXXX and XXXX XXXX. All of these companies appear to be fraudulent and the web pages all go back to non-existent companies I have never received the XXXX set that I ordered. I have lost {$110.00} and I am unable to contact anyone at any of the three companies I am aware of to help me resolve this matter. 

I used Paypal because you have a good customer service reputation when handling fraudulent billing activities. I am rather disappointed and angry that in this case PayPal appears not only dis-interested in helping me resolve my dispute but also seems to believe that I am something other than a victim in this transaction. I made an honest effort to purchase a product on-line. I used your service to pay for it. I never received anything for my purchase from any of the three companies associated with the web address and email conformation. My money was stolen. I have reported all this to you and I expect you to do the right thing by refunding my money. Instead, I am told that my case has been closed because my transaction was not covered. This is a ridiculous assertion. Of course fraud was involved. I never authorized XXXX XXXX XXXX to bill anything to my account. Do you really think an interior construction company sells XXXX sets? This would be an easy dispute with any major credit card company. If i cant count on you to dispute this charge then why am I using PayPal?
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was provided a Bank of America Debit Card " Cash Pays '' for my Short Term XXXX in XX/XX/2020. I was XXXX  and out of work from XX/XX/XXXX through XX/XX/2020. During this period I was able to withdraw {$1500.00} but have since been unable to withdraw any of the remaining $ XXXX.I have tried several Bank of America ATM 's and even spoke with a Bank of America representative with no success. I was told to contact the government agency? My card ends in XXXX XXXX. My social security number ends in XXXX. My address is XXXX XXXX XXXX XXXX NJ XXXX. Can you please assist in solving the problem. Thank you.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

My card and phone had got stolen and the bill was only supposed to be XXXX $ and instead they are trying to charge me for transactions I did not even make. I have explained it to them already. Please refer to 15 USC 1681a ( 2 ) ( a ) ( i ) if you need any more information on this topic.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

after paying off my amazon store card the company closed my account without any warning I used my account and was in good standing and they just closed my account my credit score took a hit of 14 points I feel this is an unfair practice as COVID-19 is going on and they are closing accounts putting it customers in financial hardship when it comes to credit reporting scores
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I went to receive an insurance quote from XXXX on XX/XX/2020 and there were items listed on one of my consumer reports/C.L.U.E/Lexis Nexis reports that are not associated with me or my name or my driving record. I already ordered a hard copy of my CLUE  report and contacted the DMV/MVR and confirmed that these reports are not associated with my name or with my driving record. I have a very common name and I am sick and tired of predatory companies forcing incidents/reports onto my record when in all actuality they are not associated with me at all. I received an email from my insurance company today, XX/XX/2020 stating that they removed the incidents from my record but Lexis Nexis added them back again. My insurance company and Lexis Nexis can clearly see that this is a totally different person. The only explanation that was given to me, is that me and this other person have the same first name ; XXXX. That is an unacceptable explanation. I was also provided with the name of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am not affiliated with any of these people or companies. This lack of proper reporting has impacted me financially and should be illegal. I have been a resident of Wisconsin my entire life. XXXX XXXX XXXX does not even provide services to Wisconsin residents. I have not been able to verify XXXX XXXX XXXX XXXX or find them online. I have personally contacted all parties involved asking for an explanation and dispute the report. XXXX is affiliated with the XXXX XXXX XXXX How can this unfair and unsubstantiated reporting practices happen to people? What is the explanation? This is financially and mentally impacting my livelihood. I am disgusted with Lexis Nexis and there inability to correctly report information. This is fraud and should be illegal. I will be taking additional action based off of my rights as a consumer through the Fair Credit Reporting Act. This type of practice is illegal and only serves the interest of multi-million dollar companies fraudulently reporting to increase their profits at the cost of the consumer. Sad to say ... ..but this is the American Way!
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Let me start by saying that unfortunately I have been informed of several financial institution breaches, compromising my social security number, date of birth, addresses and other personal information. I have since been monitoring my credit report. 

On XX/XX/2020 I sent a document ( see attached ) to EQUIFAX to ask them to remove the ( 2 ) negative accounts that I disputed, via CFPB. I received a court document dismissing the case. 

Per my credit monitoring service ( XXXX XXXX ) I noticed EQUIFAX had opened ( 2 )  investigations on two old account ( XXXX XXXX XXXX  and NOT THE XXXX  Accounts that I clearly requested!!!! with documents attached!!!!! 

On Friday XX/XX/XXXX XXXX am I called EQUIFAX to try and clear up another mess that they created!!! My call was answered by a lady who identified herself as XXXX, I confirmed with her that it was the XXXX Call Center, the rep sounded completely inadequate and may have been in training. I asked as it is my right to speak to a Supervisor and she refused asking me to hold. It was clear that there was a language barrier, and a clear indication that this rep should not have been handling any sensitive information.she returned to the line and disconnected the call that went straight to a survey. I did NOT sleep knowing that someone with this little training was handling my request and personal info, after all the breaches and compromises!!! Please help remove this off of my report. It is important to me to remove and clear my report for upcoming employment and access to health coverage. ( I am healing an injury ) I can not believe EQUIFAX botched this request up and may open an investigation on accounts not requested by me! ( this has lowered my score per my last check on XX/XX/XXXX. 

Please help me! XXXX