davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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. (LA)

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**** ,
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My name is XXXX XXXX. My husband XXXX and I are members of USAA bank. We took out a personal loan last Thursday for {$20000.00}. This loan was going to be used to pay off a different loan at another bank. I specifically asked them to mail me a certified check to be made payable to another bank. I asked them to mail the check to my attention at my place of employment because I did n't want the check sitting in my mailbox. Instead they mailed they mailed the check directly to my employer at XXXX XXXX XXXX college and did not put my name anywhere on the envelope or the check. I found out later that my finance director wrote void all over the check and called USAA and was told to mail it back to them. The check has yet to show up and now I am getting the run around from usaa and have been since last Wednesday. My husband and I are both police officers and he is a former XXXX. We ca n't afford to have two {$20000.00} loans open. I am respectfully asking for your assistance in getting this resolved, especially since this is a federal bank. I look forward to hearing from you soon please. I have escalated this problem all the way to the USAA 's president 's office and they have yet to make their error right. Here is a list of dates and times that I have spent on the phone with USAA trying to get this resolved : XX/XX/XXXX at XXXX  and XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX The lady from the president 's office who was assigned my complaint on Friday did not reach out to me until Tuesday after I called and left two voicemails. She did tell me that if she could find the original recorded phone call where I ordered the certified check, it would be simple to stop payment on it and return the money to my checking account. She also said if she could n't find it and the check was lost, I would have to wait another 90 days.
Thank you in advance for your time. XXXX XXXX
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

My name is XXXX XXXX, son and authorized to speak on my Mom 's behalf. On XX/XX/18 my Mom, XXXX XXXX sent a check for {$2500.00} for the mortgage. I contacted Mr. Cooper about setting up a repayment plan on XX/XX/XXXX. I was informed by the representative that they haven't cashed the check as of XX/XX/18. The loan # is XXXX. I would like to have a better understanding about how the repayment plan will be set up and if payment can be set up so we can get back on track with the mortgage? We are really trying to keep our home, my Mom has XXXX XXXX XXXX and she is XXXX years of age. Can we have a payment restructured so that the home mortgage is caught up? I can be reached at XXXX or XXXX XXXX 's # XXXX. Thank you! XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (GA)

I opened a PNC checking account on XX/XX/XXXX. At that time, I was told I am eligible for feee checks. One week later, I received no checks and called to find out that checks need to be ordered separately. I ordered my checks through Pnc representative on phone at the end of XXXX and was told the checks would be delivered in two weeks. Today ( XX/XX/XXXX ) I called to ask about the checks and was told the checked have never been sent out because the previous representative did not order the checks at all. I was told either to wait another two weeks or pay extra for expedited services. it has been over six weeks since I opened my account and use the bank as my only bank for my income. How can I pay my bills without fiscal checks? Why should I pay for the extra fees when it was the bank that kept messing up with my order. I am writing to request expedited checks without paying for that. 

Thanks
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-02
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: JPMORGAN CHASE & CO. (CA)

JPMORGAN CHASE CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-02
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: CITIBANK, N.A. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Whom Im concern, The purpose of this letter is to defend and validate my rights as a consumer Ive been a customer with Citi Bank for the longest but recently they have been behaving extremely unprofessional charging consumers high interest rates in closing accounts without no fear or any consideration of a hardship I informed this company my currency situation of being an unemployed and my importance on keep my account current and my credit in good standing this week this company Decided to close my account by adding that I wasnt making the payments But Id be making the minimum payment and tried every effort to continue making payments. 

Citibank ended closing the account not letting me make another payment or chance to react and go ahead and close my account. I been making my payments every month but the last payment did not go through Not giving me a chance to make another payment. The problem here is that this is going to greatly affect my credit score or my ability to find housing or refi my auto loan and many other things that I can do with my credit. Citibank obviously jeopardizes peoples credit their up to make their own profit not caring about consumers situations or hardships not offering absolutely anything any help offer the been operating deceptive practices like bait and switch strategy from them offering false advertising with great credit card deals and another perk like miles discounts, etc The reality is completely different there high-interest rates are above any other credit card that I consider a predatory lending company and theyre up to their own profit not to help people at all with hardships like unemployment XXXX in another kind of hardship. 

I like to dispute the matter of how my account is going to reflect on my credit they have the power to remove that and I will continue making my payment but I want to report that this is really an ethical what they do it can be legal but it really does not help the customers at all Thank you.
Consumer complaint received 2020-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. 

They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. 
I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. 

They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs.
Consumer complaint received 2020-02-02
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. (MD)

XXXX XXXX, 2019 I sent a certified letter to XXXX, Equifax and XXXX informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Consumer complaint received 2018-12-27
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. (AZ)

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed fraudulent information appearing in my credit history report with Equifax. Equifax has negligently avoided its responsibilities under the FAIR CREDIT REPORTING ACT by failure to remove fraudulent information in my credit report.
Consumer complaint received 2020-02-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Parnell & Parnell, PA (GA)

After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX   has handed the collection attempts to XXXX, XXXX, XXXX XXXX XXXX and which they sent to their partner law office Parnell & Parnell. I have never heard or seen a letter from Parnell & Parnell in regards to this time-barred loan. XXXX, XXXX, XXXX XXXX XXXX XXXX hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted XXXX XXXX. on XXXX and they passed it off to Parnell & Parnell in  which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. XXXX refused to give any information and I am not able to reach the Parnell group.
Consumer complaint received 2017-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (SC)

Over the past month I have talked to multiple people at the bank and they made many promises to me to get it fixed and Huntington National Back has not fixed my credit limit. I owe {$0.00} my total credit limit is {$32000.00}. Bit my avsilible credit shows $ XXXX less than XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This account is showing errors and incorrect information. I have the account name and number. Self # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I found a charge on a Chase credit card on my XXXX and XXXX bills that I did not recognize. The charge was for {$16.00} each month and the only identification of the organization making the charge was the term " XXXX XXXX '' followed by an unintelligible string of letters and numbers. I submitted a written request to Chase about this issue on XX/XX/XXXX providing all the relevant information that I had. 

Chase responded asking me for some specific information most of which I did not have. I replied to them on XX/XX/XXXX noting that in the interim I had received a XXXX invoice with the same charge to the same name with another string of unintelligible of letters and numbers. 

On XX/XX/XXXX I received a form letter from Chase stating that they " ... contacted the merchant to discuss the disputed transaction '', while not providing me with identifying information on the merchant or what was the merchant 's explanation. They also stated that the charges would appear on my bill on my next statement. Chase provided no useful assistance to me to resolve this issue or even tell me who was charging these amounts!!! 

It appears that I will be charged $ XXXX/monthly by this unknown organization in perpetuity. What can I do? Can I pay off this Chase card and cancel it? The name on the letter is XXXX XXXX Claim ID : XXXX
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Dealer Services refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because WFDS did not receive a XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XXXX of each Month with a late fee being added if payments were not received by the XXXX of the following Month. 

XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan! 

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} WFDS reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XXXX eventhough WFDS received a FINAL payment of {$210.00}
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX