davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I obtained a loan for consolidation. According to XXXX XXXX I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default XXXX XXXX issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), XXXX continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be homeless due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by XXXX XXXX would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!
Consumer complaint received 2021-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Hello, My loan is a XXXX loan. Because of the pandemic, I was under the impression that the payments were halted till XX/XX/2022. The company claims that they are not federal loans, but they are not private! The loan is issued through my school. 

I've made payments ( though not all ), but the company recently sent my debt to collections with almost no warning. I have called both the company and the debt collection company, and they gave me a phone number to my school that was disconnected. I simply want to make my account right and get things on a payment plan ( it is utterly insane that ANYTHING is due IN A GLOBAL PANDEMIC, but I digress, as we live in a country that puts profits over people ). 

How is a student loan companyFOR A FEDERAL XXXX LOANaloud to do this?
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXXs XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2023-06-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (TX)

XX/XX/XXXX PNC Auto loan opened. 

The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE.
Consumer complaint received 2022-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (FL)

We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got XXXX XXXX elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the COVID-19 pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. 

We have called every day for the last XXXX XXXX weeks, since receiving the letter, to get this resolved. One representative admitted that someone had screwed up on their end and the account should have never left loss mitigation. We have a recorded call of that representative telling us it should have never gone to default. They then told us it would take 2 days to get transferred back over to the loss mitigation department. It has been XXXX XXXX weeks since that phone call. We have called daily and we have been taken through the ringer with the same excuses itll be two days. Most recently, this week, the new excuse is our systems are down, we will call you back today. And nobody ever calls. 

With a default hitting our credit scores, they will plummet and we will risk losing certain clearances within our jobs. This is unacceptable and XXXX is directly responsible. We are now looking into contacting the VA loan representatives ourselves to cover ourselves, in addition to retaining an attorney for their colossal screw up. We have given them ample time to correct their mistake and they continue to push us off with a looming default and foreclosure, despite us making a payment and trying to get our loan remodified to end the forbearance process. 

Certain restrictions came out within the last year when the pandemic hit, to protect homeowners from companies that would seek to further ruin their assets and protect homeowners from foreclosure when they could not make payments. XXXX has proven to be a company that does not take those restrictions seriously, with this military family, by not taking the appropriate steps to correct their mistakes on putting us in default - something that should not have been an option on their end.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through FB XX/XX/22 for 1 bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone applied for a Capital One/Cabela 's credit card using my name, social security number, and date of birth. I have not applied for a credit card in several years nor do I shop at Cabela 's. I was notified via my XXXX monitoring service and discovered that my credit was checked with XXXX XXXX for this application.
Consumer complaint received 2021-12-01
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (MO)

The information from National Credit Adjusters on my account is incorrect. They show an opening date of XX/XX/2020. I HAVE NEVER OPENED AN ACCOUNT WITH NATIONAL CREDIT ADJUSTERS, not opened one in 2020. Experian failed to do a through investigation and update the false information on my account.
Consumer complaint received 2022-08-30
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. (AL)

I have never had an account or debt with the below company and I have informed Equifax numerous times of this. 

XXXX Last reported XX/XX/2022 {$100.00} Open balance XXXX XXXX  Original creditor This is a fraudulent account.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to correct some of the erroneous accounts in my credit file ; however there are still many accounts that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-02
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Student loan PSLF forgiveness applications are handled only by FedLoan. 

I mailed in a completed PSLF application via USPS mail in XX/XX/2022, and as yet I have never received any confirmation that it was received at all. 

I have tried multiple times to contact FedLoan to request receipt confirmation or instructions, and have been unable to get any answer. 

FedLoan will not allow me to create an online account with them because my loans are serviced by XXXX and not by FEDLOAN.

FEDLOAN must process the PSLF application, so the loans are supposed to be switched to FEDLOAN on their receipt of the PSLF application. 

Today I waited 20 minutes on hold to talk to a FEDLOAN service representative about creating a FEDLOAN account, but he immediately told me he had no info and that I couldn't create an account until making FEDLOAN my servicer.

When I asked for basic confirmation as to whether FEDLOAN has received my PSLF application, the rep told me that he'd have to transfer me to a different department for that information. I waited on hold another 20 minutes, then hung up because I'm at work.

The PSLF application process is involved and time-sensitive. I have now wasted nearly three months waiting for any response for FEDLOAN, and I have now received an entirely unacceptable level of customer service in trying to contact them for information.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I have made several attempts to have my account with Ally Financial, which is 6 years old reflect as closed with both Ally and with the reporting agencies to no avail I was not able to do so and was told by Ally that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I submitted a written request for information on the website maintained by the servicer for my mortgage loan, Dovenmuehle Mortgage , Inc. ( " DM '' ), on XXXX, 2020, over 30 business days ago. That inquiry was a qualified written request. Consistently with their generally poor customer service, DM has not responded to my inquiry.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank has been unreachable regarding fraudulent charges to our account. 
XX/XX/2022 # {$890.00} and {$670.00} were taken from our checking account. Truist Bank is basically unreachable by depositors and their employees. 

We went to the bank XXXX to find out what steps needed to be taken. We were told because of the merger, nothing was being processed until the following Wednesday ( XX/XX/2022 ) evening. The charges must post before we could file a fraud complaint. We went to the bank on Thursday, XX/XX/XXXX and had the banker call and put in the fraud complaint. Please note, we were on hold 45 minutes before our call was answered. Complaint # XXXX Having tried numerous times to call the numbers given for the Fraud Department XXXX and XXXX XXXX XXXX and not being able to get thru I did get someone on Tuesday, XX/XX/2022 but she was not able to give me a current status on the claim. She transfered me to another department that was closed and not the correct department either. 

Wednesday, XX/XX/2022 went to the bank and asked the banker to try and reach someone regarding the status .He tried both numbers and wasn't able to reach anyone.This visit was 90 minutes. 

Truist did not create an avenue for its Branches to reach out to them. 

worst experience in banking in our entire lives.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.