davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I, XXXX XXXX asked the three credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (TN)

On XXXX my daughter XXXX XXXX applied for XXXX XXXX loan but she completed the paperwork incorrectly so she redid the paperwork. XXXX  she applied she CANCELLED the loan request because she qualified for money ( grants, work-study, etc. that would not have to be repaid ) so she XXXX  again cancelled the loan request and they money was never used. So somehow XXXX shows we have XXXX loans ; XXXX was cancelled but the XXXX  shows a total of {$6400.00}. I have called XXXX  times and was told a " supervisor '' would call me but never did. Then they said I was not authorized to speak about the loan so my daughter called and authorized me to be a XXXX XXXX authorized to speak on her behalf. Again, I left numerous messages for a call back. 

The most important thing is that I spoke to the XXXX XXXX XXXX XXXX  company, provided XXXX  XXXX XXXX and they have NO RECORD from EdFinancial that we have XXXX  loans ( which I believe is correct ) so they told me to reach out to XXXX and XXXX which again I did. XXXX told me to tell XXXX that they NEVER submitted info to them that we have a loan. I've applied with XXXX stating that I'm permenantly XXXX and if I have a loan I'd like it forgiven. Again, XXXX won't return my calls and they say my first payment is due XXXX XXXX XXXX which is this week. I REALLY NEED HELP PLEASE
Consumer complaint received 2022-04-15
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. (MO)

I have disputed 4 times and sent documentation for each dispute. XXXX, equifax and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX paidXXXX XXXX XXXXXXXX also sold to XXXX  paidXXXX XXXX XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!
Consumer complaint received 2021-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Edward F Bukaty III (TX)

On XXXX XXXX they law firm started taking money out my check for a charge off debt in XXXX. They claim a judgement was filled in XXXX in a state I was no longer living in and didnt receive no notice. Now in XXXX they said they order another judgement for the charge off & fees for the lawyer of {$7000.00} plus courts fees of XXXX pluses etc fees totaling up to almost XXXX but the car charge off amount is only {$4000.00}. The bank is saying they have nothing to do with the lawyer and the account was sold to the law firm Bukaty. I reached out to the law firm and explained they couldnt do this because it was passed the limit of time and this was almost 30 years old.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 


ACCOUNTS XXXXXXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXXXX/XX/2019 unauthorized EQUIFAX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXXXX/XX/2019 unauthorized XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XX/XX/2019 unauthorized
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

ATM Dispute Claim No. XXXX. For 30 days I have been disputing an ATM Transaction with BB & T ( my Bank ) at Location XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I sent my former wife, and I use the legal term to clarify however she is still part of my family, and I have known her for over 46 years, to make an ATM withdrawal for me on XX/XX/2020. She helps me with chores including banking matters on a weekly basis and I also have XXXX daughters with her who are XXXX and XXXX, so my former wife is someone I trust fully. The ATM froze and malfunctioned on that day. BB & T deducted the {$500.00} withdrawal as the ATM machine recorded it as a disbursement, however it did not disburse the cash. BB & T alleges they balanced the ATM days later and it was not over money. They also said their proof that the cash was disbursed is a photo of my former wife " Standing '' in front of the ATM without any image of any cash whatsoever in the photo. I have asked them to look at the complete surveillance video which will show that my former wife left the ATM empty handed and proceeded to contact a bank employee inside but she was referred to call an XXXX number. I made the Claim the same day and it has been denied 3 times. I have no idea where the cash went and that is for BB & T to investigate if it went through the front of the ATM that another customer got it or through the back due to an insider job. I have no idea and I am not pointing fingers but since they are stating the cash was disbursed and I know that is not the truth then I am urging a higher authority to really look into the matter because I am not at fault by this incident. BB & T needs to prove my rep. authorized by me received the cash by showing me the video of XX/XX/2020 and they have not done so but only a photo that shows " NOTHING, NO CASH ''. Confiscating my {$500.00} is a violation of the law by BB & T and they need to return my money. This has caused me sufficient problems and they need to correct this bad on their part. Their ATM 's malfunction throughout town, lack maintenance or are outdated, the scanners do not scan all checks because its capability is outdated. I urge the government entities to assist me in mediating this matter with BB & T because it is not my fault that the ATM did not disburse the money. Thank you.
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX  XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act.  furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. 

I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 

these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. 

Regards, XXXX XXXX
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX  and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (SC)

I purchased as-is house ( second-home ) on XX/XX/2017 ; Guild Mortgage did not give me a non-disclosure form before the closing stating the landscaping problem and I was never told that there was a drainage problem with the property before the closing. Water enters the home in two difference places that I have seen after a heavy rain. I have written to the Home Owner 's Association because they are responsible for the gutters and landscaping.

After seeking help through the Association which they replaced the gutters when there is a landscaping problem. I have spend money buying drainage pipes and sand and tools.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient is showing that my student loan is days past due when payments are being made monthly. They are also not updating my credit status, causing it to keep looking like I have not made a payment on my loan for significant periods of time.
Consumer complaint received 2021-02-21
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. (MS)

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Consumer complaint received 2020-03-11
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. (TN)

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

Experian, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX still showing on credit report even though it is told old to be reported.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

XXXX I opened a Chime account XX/XX/XXXX my direct deposit from my job was deposited to my Chime spending account. Amount was {$3100.00} XX/XX/XXXX my account was suspended. No notification XX/XX/XXXX I realized my account was suspended and called chime at which time they requested documents. Emailed documents. Email from Chime said Id get a response in 2-3 business days on account status. 
XX/XX/XXXX Called chime and was told Id hear back in no later than 24 hours XX/XX/XXXX Called Chime again after no response. Agent escalated issue and provided ticket #. Agent said there a 100 % chance Id hear back in 24 hours. 
XX/XX/XXXX Still no update Chime is holding over {$3000.00} and not communicating. 

During this time, my mortgage payment and my children 's tuition payment was rejected causing over {$100.00} in fees and bad marks on my credit. 

Can someone from look into this for me?
Consumer complaint received 2021-02-21
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. (IL)

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (OH)

This Netspend card I received I got it from XXXX XXXX where I do my taxes at to get my refund deposit to me I called to check the card and my balance was on there I tried to use it It stated that the card is invalid so I called Netspend the company and they stated they closed my account out without notifying me and that I can not use there services this is my first time ever having this card company and they have my money just sitting there then I was told I could not speak to the fraud department because they dont have a number I can reach them and thats who closed my account out that department also I called several times and they gave me the run around to tell my they have to issue me a check within seven to ten business days because the account was closed out I ask them is there a tracking number they told me no I said is there a check number they told me no and to call back XX/XX/XXXX to see if it was processed This is my money I know there are other options they have to get my funds to me I ask do they have over night shipping they said no they dont I just have to wait the time this is my money and they are very unprofessional disrespectful and do not know the knowledge of there business customer service is lost keep transferring me all over I keep hearing different things they said they was going to send me email confirmation I havent received that either I really need my money its a lot going on as it is bills and rent bagged up lack of work cause the pandemic and now this happens I would recommend this company to no one please I need someone to help me on this matter
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have called Equifax ten times about unauthorized inquiries on my credit report I spoke with two of their representatives at different times the first said they would take care of the issue and remove them the second said there was an issue with my request and the FTC report I furnished another denied receiving my FTC report at all after the first two confirmed it was received. I have since faxed my report over four different times and three representatives said they will take care of the issue and remove the inquiries now. I even received a letter from Equifax stating the inquiries were removed but they are still showing on my report. This process was started approximately three months ago. They are and continue to violate FCRA by reporting these inquiries still. the inquiries in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/20
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I refinanced this mortgage on XX/XX/2020 and paid my property taxes through my new escrow due to LoanCare having not submitting payment yet. During the final stages of funding, LoanCare paid taxes on my property after my new escrow had already paid them in full. 

I was then notified by my county tax assessor-collector that my property tax payment was overfunded by {$4500.00} on XX/XX/2020 due to two full payments and has credited the second payment back.

I have been trying to contact LoanCare to determine how to retrieve this overpayment back, but have only received one reply after several inquiries and the reply was unrelated to this issue.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

An account with Preffered Lease was opened in my name XXXX XXXX with a monthly installment of {$230.00} when I purchased a {$3500.00} dollar refridgerator from a company called Conns. After making 2 payments, and recieving a damaged company, after having complained to the company many times asking for replacement, it was finally decided that we would cancel out all ACH payments and they would pick up the product, cancelling out my lease agreement with them. This should have satisfied my agreement and i am now seeing it as a negative mark on my credit report with a total amount due in the {$8000.00} range! This is fraudulent. Can you please look into this for me. 
Thank you.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (GA)

There were unauthorized inquires on my Credit Report XXXX  XXXX requested my credit report on - XX/XX/2019 - XX/XX/2019 Roadloans.com requested my credit report on - XX/XX/2019 2019
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I set up automatic payments and Wells Fargo continued to remove the automatic payments without my consent. This caused payments to become late until Wells Fargo decided to close account. They accepted payment for the balance despite letting me know that the account was closed. The amount was then returned back to me and sent to collections. I received a customer remediation check recently and feel that this is due to accounts being open/closed on my behalf without my consent.
Consumer complaint received 2021-02-20
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: CITIBANK, N.A. (HI)

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, 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.
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (CA)

I just got an email from this company about how to find my XXXX. They say I will receive an email on XX/XX/XXXX from XXXX, the qualified custodian of my moneyion investment account notifying me of my XXXX. 

I DO NOT HAVE AN INVESTMENT ACCOUNT! I have had this issue with this company before and this is not my first complaint through you. In XX/XX/XXXX I took out a {$500.00} loan. I did default on that loan due to hardship and I had a balance of {$460.00} though on my my credit report it has CLOSED with the balance of {$350.00}. 

XX/XX/XXXX I received some email about liquidation and surplus or deficiency saying my amount due as of then was {$460.00}. It said since I defaulted on the loan MoneyLion directed that my investment account securing the loan held at XXXX be liquidated and paid over to them be applied to the loan balance of {$460.00}. The amount of surplus or deficiency was $ XXXX. The amount of the proceeds of the disposition was {$110.00}. All this information I am taking from emails. 

I have asked this company to close any and all other accounts that opened when I took out the {$500.00} loan in XX/XX/XXXX and they are not listening. I have not used this company or the app for anything other than that {$500.00} so whatever surplus or deficiency or disposition I have nothing to do with. 

I want this investment account closed asap and this company to leave me alone and delete whatever they have of my information. 

I have emailed them and submitted complaints here. On XX/XX/XXXX MoneyLion responded to a complaint I submitted nearly a year before.