davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I received a notice of adverse decision from a financial institution made in reliance on an Equifax report. Since then, I have made numerous attempts to contact Equifax ( both online and over the phone ) to receive a copy of the report under the FCRA. Neither their online systems nor automated phone systems are processing the FCRA requests ( i.e., the online system is " unable to deliver [ my ] credit file '' directing me to the automated phone since, which is similarly fruitless ). Despite my repeated attempts ( in some cases involved more than ~40 minutes of hold time ), I have been unable to connect with a live representative about the matter to get this resolved.
Consumer complaint received 2020-04-10
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: Conn's, Inc. (TX)

I checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.
Consumer complaint received 2020-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

As bad as having my loan balance so far come close to triple what I originally borrowed, its nothing compared to the dismal customer service and complete XXXX XXXX that this company is. I've been told although I borrowed money under the federal loan program that my loans do not qualify for the CARES act or the President 's Executive Order.
Consumer complaint received 2020-09-16
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. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NV)

1. We started the refinance process on XX/XX/XXXX, 2020 and was assured that it would close within 45 days, we paid {$50.00} dollars instead of the requested {$500.00} to initiate the refinancing process 2. It is now XX/XX/XXXX2020 and no refinance 3. We have provided your company the necessary documents as requested 4. Your company was advised early in the process that any requests having to do with the XXXX property would NOT be filled as that property has NOTHING to do with the refinance of the XXXX XX/XX/XXXXproperty 5. After the 45 days passed we were asked to provide updated paystubs we did 6. Still the refinance did not close 7. Then you requested information concerning the XXXX property. Much to my chagrin my husband provided the information 8. We were provided a new estimate and was told the refinance would close in 3 days 9. The refinance didnt close, instead we get another request for more information concerning the XXXX property, which again was provided much to my chagrin 10. The refinance still didnt close 11. Today we receive a request for updated paystubs, which will NOT be provided, instead I have chosen to file a complaint against your company 12. You advertise that XXXX  Mortgage is the new way to get financing because it is all done online 13. The XXXX poor excuse I was given for our refinance taking so long was due to COVID-19, since the mortgage company was designed to operate online there is NO excuse why the loan should not have closed prior to the 45 days. The company did NOT have to scramble to come up with a new program to do business online
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REMAX (VA)

In addition to a recent rental application, there were two inquiries regarding purchase of land in Virginia and/or a newly built construction home in Tennessee. The land inquiry in Virginia was halted upon asking for a title search and the information attached to the ad will be contested ( in a separate consumer inquiry ) on the basis that the information is inaccurate and/or does not correspond with other historical documents. 

Therefore, this consumer concern addresses the new construction home as a second home purchase in XXXX, TN. In speaking with the Re/Max agent ( s ), this subdivision is pre-qualifying buyers for pre-sale of these newly constructed homes. In consideration of such previous incident ( s ) with the rental, I am submitting to Re/Max additional documentation that may not be supported on my credit report ( s ) because an accurate pre-qualification notice would not be yielded otherwise as seen with the rental application for the XXXX, VA location.
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (NC)

In XX/XX/2018 {$75000.00} were borrowed from LoanMe and a bank draft was started in the amount of {$2400.00} for the passed twenty-five months. Thus far {$62000.00} has been paid and we called to find out our payoff amount and was told the payoff amount that we owe now is {$72000.00}. We did not expect these loan shark tactics and tried to reason with them. We believe it to be unfair after twenty-five months to have paid {$62000.00} and still owe {$72000.00}. The payoff amount is {$76000.00} seems to be illegal. 

This is putting an hardship on our family ; especially during this COVID-19 pandemic! We were told these people are very strong with powerful lawyers and will take everything we own. Can anyone help us? Thank you for your time.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax credit bureau will not assist me with an account balance verification ... the company name is XXXX XXXX XXXX, this company is price gauging due to the covid 19 pandemic, this company double the balance on a vech that was sold or auctioned, the balance should be {$5200.00} and they have doubled it to {$10000.00} in 1 month as of XX/XX/2020 ... .I have disputed this acct with no help from Equifax credit bureau XXXX I requested proof of the balance and they will not provide ... please help I am a victim thank you
Consumer complaint received 2020-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (KS)

I have held for more than 2 years various currency and crypto currency within the account where i have mainly held for savings. On at least one occassion I have transfered OUT funds with no issue. On XX/XX/2020 I looked to transfer funds to another account in my name. After the PROMOTION of a 15 minute normal transfer I saw an email that stated they were withholding my funds for 72 hours. I needed the funds immediately as it would end of costing me XXXX dollars by not having funds in its righful place. 
As they do not have a toll free or any number to speak with a human being they only offer reaching out with a online form. I did this immediately, where I advised this HOLD for security purposes needs to be released and that I would do whatever it took to prove my identity. As well I made it clear this would be costing me if I could not get the funds. 
I recieved an email back quickly asking for a screenshot of my issue. Once I returned the email with what was taking place and asking how to resolve the hold, I got a bounce back email from the company and thus they cut of my communication on the issue. I then tried to start over with a new form and ultimately got nowhere. With no help. 
As noted not having funds transfered did cost me XXXX dollars. After 72 hours the funds were released but it was too late. As well 5 days after the fact they sent an email on the process to release funds within minutes rather than waiting 72 hours, but of cource it was 5 days late. 
In the end I have tried to reach executves at the company and requested the email to get back to me with a phone call. To this point no one has acknowledged me.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (AR)

CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY XXXX  XXXX. XXXX CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ULRS, Inc. (CA)

On XX/XX/XXXX, I learned that a company called Credit Collection Bureau had filed a negative report with XXXX  and XXXX  claiming that I owed a debt of {$1300.00}, opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a certified letter to Credit Collection Bureau asking them to verify or validate the debt because I do not owe them any money. The XXXX  report said the original debt allegedly was in the amount of {$920.00} and allegedly owed to XXXX XXXX XXXX. Through talking to a XXXX  representative, I learned that this debt actually originated in XX/XX/XXXX, not XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or Credit Collection Bureau about owing a debt and therefore these companies never advised me of my right to dispute the debt. I do not owe XXXX XXXX XXXX any money from any services provided in XXXX. All money owed to them was paid by me at the point of service or by my insurance carrier. I also sent a certified letter to XXXX XXXX XXXX requesting information about the billing they claim I owed and the dental office has not responded to my letter. I believe this debt was added to my credit history to attempt to collect on a debt that I do not owe. Further, even if this was an actual bill of mine, they are attempting to collect on zombie debt. I have no way to prove that I do not owe this money when neither company has provided an actual bill for services that I can then investigate further. If the Credit Collection Bureau will not respond so that I can validate the debt, then I want them to remove their negative report from my credit history.
Consumer complaint received 2019-01-25
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: SYNCHRONY FINANCIAL (NJ)

this deals with my synchorny XXXX XXXX XXXX card. i never dispute. but i was overcharged on XX/XX/XXXX by XXXX. by XXXX dollars i have called them no response written i called the bank yesteray XX/XX/XXXXno response she was nasty i did not know it then but XXXX overcharged me for train tickets. they should have been XXXX each times 2 they overcharged me by XXXX by mistake whatever i did contact them and the bank i need the money back please from XX/XX/XXXX XXXX dollar charge please. this is on synchorny card XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

LexisNexis is reporting an accident on my insurance report that took place in XXXX. In XXXX, I discovered this information when switching insurance companies. I was not involved in the accident. I was not in the vehicle, the vehicle was not in my name, I was not even in the city it took place in. I disputed the information, sent in the documents and received a letter from LexisNexis that it was removed. Now, 3 years later, I am looking into changing my insurance company again and this accident is showing back up on LexisNexis ' reports. This is holding my insurance premiums XXXX and puts a mark on my record for an accident that I was in no way involved in. I have been trying to get through to them for days with no success. They are reporting information that was disputed and proven to be fraudulent.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I online deposited 2 checks on XX/XX/2020, into my M & T account in the amount of {$240.00} and {$1000.00}, the checks where from FTC v. XXXX XXXX. When I deposited the checks I didn't notice that they had expired, the next morning I contacted the bank Customer Service department to stop the process, I was told to go to a branch location and I did. I went to the branch location the same day and spoke with XXXX XXXX she said that she couldn't stop the process I would have to wait until it was returned and send the checks back and ask them to replace the checks. I sent both checks back to the company asking them for replacements, I then contacted FTC v. XXXX on XX/XX/2020, to see if they received my request and they stated yes, however they would not be issuing replacements because they honored both checks and they cleared on XX/XX/2020. I again contacted M & T Bank letting them know what was told to me by FTC and they said yes it cleared but they were not releasing the funds to me because FTC could ask to the money back and that this could take up to one year for them to release my funds, I needed to get a statement from the company stating that they are not going to ask for the money back and a copy of the cleared check. I then sent another letter on XX/XX/2020, to FTC v. XXXX XXXX requesting a letter stating that they were not going to ask for the money back and a copy of the canceled checks. To date, I have not received any funds and no solution. My M & T online bank account has been inactive since XX/XX/2020, and I don't have any access to my accounts and they sent one on my bill payments back to the company stating that my account was frozen. I have not received a statement since XXXX because I viewed my statement online.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pickett Law, LLC (MD)

After paying all the back charges of XXXX XXXX Benefits Fees to XXXX XXXX, XXXX in XX/XX/XXXX, a satisfaction letter was received from Pickett Law , LLC in XX/XX/XXXX after I filed a motion to the court to mark the judgment satisfied. A new annual amount of {$750.00} was due XX/XX/XXXX. XXXX XXXX, XXXX sent an overdue letter on XX/XX/XXXX with late payment charges of {$75.00} each for not paying on time in XX/XX/XXXX and then XX/XX/XXXX. Therefore, XXXX XXXX, XXXX recorded the new amount on their dated XX/XX/XXXX ( received XX/XX/XXXX ) was {$900.00}. No where on that letter indicated that my new annual amount would be turned over to a debt collector if not paid before XX/XX/XXXX. On the letter, XXXX XXXX, XXXX instructed me to pay them directly. On XX/XX/XXXX, The debt collector, Pickett Law , LLC left a letter on the door of my home address on XX/XX/XXXX threatening to place a lien on my property for incorrect dates of XX/XX/XXXX - XX/XX/XXXX ( remember the new annual isn't due til XX/XX/XXXX for the new year of XXXX ). Also, Pickett Law , LLC added attorney fees and fee for the letter placed on my door. When I emailed Pickett Law , LLC and cc 'd XXXX XXXX, XXXX contesting these additional charges, Pickett Law , LLC states a " certified letter '' was sent by process server. This is not factual. I said I plan to pay {$900.00} on XX/XX/XXXX because I do not believe I should have to pay these additional fees 9 days after an overdue letter on XX/XX/XXXX. Pickett Law , LLC claims debt collection will continue until they get the full amount. XX/XX/XXXX, I paid {$900.00} directly to XXXX XXXX, XXXX as instructed by XXXX XXXX, XXXX. Can you help me? Pickett Law , LLC has overcharged me in the past and has taken advantage of my illness to not being able to come to court. I don't want it to happen again. For example, they sued me for XXXX in court but collected over {$4000.00} from me. This company never update the courts with any of my payments until I took action.
Consumer complaint received 2021-12-15
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. (NY)

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX. My complaint is that equifax has not remove all the fraudulent hard inquiries from my credit report I have a total of XXXX of them I also faxed a copy of a federal trade commissions I'd fraud report. It was faxed Saturday can you please have equifax remove these fraudulent inquiries from my credit report
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

This complaint is against LexisNexis Risk Solutions for violations of the FCRA for reporting and selling inaccurate information specifically a public ( bankruptcy ) record to the major credit reporting agencies, while stalling my request for an investigation, and ignoring my request for their method of verification. 

On XX/XX/2020, I submitted a certified letter asking that LexisNexis verify the public record with the Courthouse to correct the information, or delete the bankruptcy record from my report. 

On XX/XX/2020, I received a form requesting additional information, which I submitted on XX/XX/2020, using certificate of mailing. 

A few weeks latter I received a letter with no changes to my report. 

On XX/XX/2020, I submitted a letter using certificate of mailing requesting their method of verification, and NEVER received any response, and the public ( bankruptcy ) record remains on my report.
Consumer complaint received 2020-04-10
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CUSTOMERS BANCORP, INC (NY)

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX XXXX XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

Customers Bank has reported to the credit bureau that I am four months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, Customer 's Bank should have and could have withdrawn automatically.
Consumer complaint received 2020-09-16
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.