davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AE)

Wells Fargo Dealer Services : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I received a notification on XXXX XX/XX/2019 via XXXX XXXX  that i had an account in collections from a company called ProCollect. At no point did i ever receive any notice of an unpaid debt. I called Procollect today XXXX  XX/XX/2019 ( they were closed because of the XXXX of XXXX weekend ) asking about what debt i owed and they told me that i had a debt to XXXX at XXXX apartments but that the balance was XXXX because i had already paid, so i asked why it was showing on my credit report and all she told me was that it will show as a XXXX balance and that there was no way for me to remove this from my report. I believe this is unjust as i had never received any notice of any kind from neither ProCollect or XXXX at XXXX about a debt that i owed, XXXX at XXXX apartments has my email and phone number and i have never received an email nor a phone call from them about any unpaid debt. This company went straight to collections without notifying me in any way.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This account was charged off on the following date [ XX/XX/year> OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : [ XXXXXXXX XXXX XXXX  ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies. 

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (IL)

I applied for an Illinois Hardest Hit Fund. back in XX/XX/2019. IHDA submitted my file to Sun Trust Bank. It was submitted to Suntrust in the beginning of XXXX. Today is XX/XX/2019 and they have STILL not responded to IHDA in reference to my mortgage. 

My housing counselor and I called Suntrust on a 3 way call. The incredible part is NOBODY at SUNTRUST even knows what The Illinois Hardest Hit Fund, and they do not even know what the program is, and who to refer us to at the bank. 

They signed up and agreed to participate with the program, yet they are doing nothing about this.
Consumer complaint received 2019-06-02
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: EQUIFAX, INC. (TN)

I received a letter from equifax in XX/XX/XXXX saying, ( XXXX XXXX XXXX turned my name in as being delinquent on a hospital bill by XXXX and something dollars. Sorry not more accurate, but I just threw this information away just a few weeks ago, thinking I had no one to turn to for help. I wrote them and called them several times. My letter began by saying that this woman owes that hospital money. That is not my dispute. My dispute is : that is not my name, or my address, or my birthdate. I sent them written proof of by legal name birthdate and address. I sent them my birth certificate, my driver license and my a copy of my deed to my house. I have not now or ever lived in XXXX. I own my house I have been at my present address, which I own since XX/XX/XXXX. before that I lived at another home I owned. I took them back as long as I have had this last name. Equifax is the one who said that this totally different person was me. Even with proof they refuse to do the right thing. They refuse to take this off my report. Also I just received a letter from them saying for me to go to original source. I did that as well in XX/XX/XXXX. I called the hospital where the bill originated. Finance dept. had absolutely NO problem understanding I am not her. On top of that she informed me that the other woman was not born in XXXX at all. I called equifax back and told them that. It was after that the manager there changed my birthdate to match what they had as hers ... ..
Consumer complaint received 2019-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MO)

I have to make 10 monthly charges with my debt card in order to avoid getting charged a {$14.00} monthly service fee by Wells Fargo, I made more than 10 charges with my debt card the month of XX/XX/19 - XX/XX/19 and Wells Fargo changed my Debt card charges to show up XX/XX/19 in order to wrongfully charge me a monthly service fee of {$14.00}. I have been wrongfully charged a {$14.00} month service fee by Wells Fargo almost 10 times and I'm tired of it. Wells Fargo is wrongfully charging my account monthly service fees even though I completed 10 debt card purchases in order to not get charged. This is illegal! Wells Fargo is wrongfully charging my account a {$14.00} monthly fee because I'm XXXX and Wells Fargo don't like XXXX people or XXXX businesses! Wells Fargo is " XXXX ''!
Consumer complaint received 2019-04-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION (TX)

XXXX XXXX has continually attempted to contact me at a phone number that is no longer my employer on XX/XX/2019 and XX/XX/2019. I am sure that there are more instances that I am not aware of. They have been told by multiple people I am no longer employed there. They have now also started to contact my current job. I have told them that I am not able to receive calls at work. I have sent 3 letters ( XXXX XX/XX/2019, XX/XX/2019, and XX/XX/2019 ). The original letter on XX/XX/2019 stated to not contact any workplace phone numbers for me and they have continued to do this.
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

I had a to go to the ER Early one morning. My VA Doctor told me to go to XXXX XXXX for my issue. because he could not see me, he sent me with a referral from the VA to go. Everything was fine with this issue for about 6 months, and then i got a hit on my credit report from a capio partners for said medical expenses. I have VA and XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX Veteran i get full coverage. I tried to explain this to this company also the VA has called them and sent them letters saying They will pay it. The company is still insisting that i have to pay for these expenses. I have 2 different collection on my credit from this now. This company is horrible to talk to, and will not understand.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

hi, i am writing about numerous frustrations with all 3 credit reporting bureaus. i had an issue with identity theft which i discovered in XX/XX/2018, so i placed security freezes or fraud alerts on my files with the bureaus. now i'm trying to remove these so that i can apply for credit again. 

none of the bureaus seem customer-oriented or helpful. i tried to email all of them, and they either don't respond, or they tell me to call the customer service number. when i finally reach a human being, in all cases, i am told i need to fax or mail them a copy of my driver 's license and a bill showing my address. but i am not confident that this will produce a timely result either. when i was dealing with the identity theft issue last year, they were equally unhelpful. in fact, i had to wait until the Economic Growth, Regulatory Relief & Consumer Protection Act went into effect in XXXX before i could get them to admit that a flurry of credit applications in a 2-month span was obviously a red flag for fraud [ in contrast to my historical behavior ], and that i don't need to dispute each item individually [ typically spending 45 minutes on hold with customer service for each one ].

it seems inappropriate to me that companies who hold such power over people have so little interest in communication or accountability, and i know i'm not the first to notice this.
Consumer complaint received 2019-04-22
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. (GA)

My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX XXXX. showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC complaint as well.
Consumer complaint received 2019-04-20
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. (MO)

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of  the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXX XXXX 2 ) XXXX {$71.00} 3 ) XXXX XXXX XXXX   {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX   XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Consumer complaint received 2019-06-02
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. (MI)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Equifax has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX  report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WV)

I have all federal loans and since the day I have graduated from XXXX  school in XX/XX/2010 I have been making payments in an income-based repayment plan or a revised repay as you earn plan in order to qualify for PSLF. Every payment that I have made should count towards public service loan forgiveness. I have submitted a count request to determine how many payments I have remaining before I can apply for public service loan forgiveness, however the count has been incorrect each time they have sent me this information. The count is off by many payments. I only switched to fed loan a year ago as servicer. I feel that they are not counting payments made through the previous servicers. I have asked for a manual recount and this has yet to be resolved and my count is still incorrect. This is frustrating and causes great stress.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (UT)

I've completely the steps to permanently remove myself from the prepaid and pre-approved credit card offers and other scam mail. NetSpend sent me a pre-paid debit card on XX/XX/19 in violation of the do not mail registry.
Consumer complaint received 2019-05-09
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

I requested a manual payment re-count ( payment tracker ) for qualifying payments for the PSLF program in XX/XX/2017 as my payment count was miscalculated - I am STILL waiting despite many phone calls to address this. No one can tell me how much longer this will take.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.
Consumer complaint received 2019-05-09
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. (TX)

In XX/XX/2019 I wrote, via mail, XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX, billing manager for XXXX XXXX XXXX ( now listed as XXXX XXXX XXXX ), contacted me via email in reference to two charges ( {$54.00} and {$29.00} ) showing on my Equifax report as unpaid collection accounts. I had cdisputed the validity of the charges and requested he remove them from collection. He said in his email he would investigate and get back to me. 

On XX/XX/2019 XXXX XXXX replied, stating the charges were billing errors on their part. He said he would request XXXX XXXX, the collection company, delete the collection. He said the CRA,   Equifax, should have it removed from my account in 30-35 days. 

On XX/XX/2019 I inquired of Equifax the status of the aforementioned action. They showed nothing in the works. I was told I could start a dispute and it would be resolved within 30 days. During that phone conversation I started a dispute ( # XXXX ) and later that afternoon faxed supporting documentation -- my email correspondence with XXXX XXXX. 

When I inquired as to status of my dispute XX/XX/XXXX, I was told the support documents never got put with the original dispute and that the original dispute had been closed out ( apparently as incomplete ). I was told another dispute would have to be started ( XXXX ) and it would take up to 30 days to complete. I suggested they rush it since it was their mistake the documents didn't find their way into the first dispute file. I told them they had until XX/XX/XXXX, the original dispute deadline and then I was initiating a complaint with the CFPB. 

So here we are. Any reasonable person could look at the email from the original creditor, realize it was an unfortunate error, and make haste to remove this damaging information from my credit report. But apparently reasonable people are not to be found at Equifax. This is very disturbing. 

I've attached the information sent to Equifax, including the time stamped cover page showing they received it on XX/XX/2019, as I stated. 

Thank you. Your organization helped me last year with a similar situation and I am very happy there is someone who can give us help.
Consumer complaint received 2019-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2019 i recieved a email from paypal stating my account is being closed & my funds being help for 180 days. But will not tell me why. i was told once it could possibly be for customer disputes but i have never sold a thing i use it for family to send me money. I have done nothing wrong
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I have tried to get an Equifax report for over a year. They are the ones that had my information in data breach. I have identity theft and I had major issues that still affect me and they will not give me my report
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On XX/XX/2021, the company JEFFERSON CAPITAL SYSTEM opened a collection in the amount of {$1300.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX
Consumer complaint received 2021-12-21
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. (CA)

My credit reports shows my XXXX XXXX being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my XXXX XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

Hello, I requested recurring online transfer from my Business checking account with PNC Bank. During payment scheduling, I selected wrong account with the same bank. 

Now, I am trying to STOP IMMIDIATELY ALL RECURRING PAYMENTS from the wrongly selected account. I tried deleting online but do not see delete option. I called bank 's customer service and she said that she can not do it and I have to wait till the Delete button becomes enabled.I also tried sending them email but they do not receive email complaints. I have accounts with other bank they are always available.IS PNC BANK IS IN DIFFERENT LINE OF BUSINESS THAT THEIR ENTIRE STAFF IS NOT AVAILABLE ALL THE TIME TO CUSTOMER AND NOT RECEIVE ANY COMPLAINTS??? Hard to believe this non sense. 

I need help here and stop it asap.I must have tried calling bank at-least 10 times but you get standard recorded response and no one helps to resolve such a small problem. This is an issue with the PNC ban 's system. 

I am really tried calling bank but no success. I am not left now with any other options but to file a complaint. 

Thanks, XXXX XXXX