davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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: First Financial Resources, Inc. (TX)

I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. First financial and XXXX XXXX many. Please remove these as they are not mine.
Consumer complaint received 2018-04-12
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. (IA)

I have disputed the account on my Equifax credit file XXXX XXXX XXXX {$3800.00} within the last 12 months. This account is not my account. Equifax deleted this account and then put it back on my credit file. I requested by letter that Equifax send me how they came to the resolution that this account is mine. Equifax failed to furnish their evidence and completely have ignored my request. This account was opened in the state of Oklahoma. I have never lived in the state of Oklahoma. I have filed a CFPB complaint against XXXX XXXX XXXX # XXXX. This account is not mine.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (NY)

Seterus , Inc . 
XXXX XXXX XXXX XXXX, CT XXXX Seterus, Inc is my " mortgage servicer '' ( although they are primarily a debt collection agency and a foreclosure company. Seterus took over my mortgage from XXXX. They have been reporting my wife and I as late payers every month for years. 

We live in a co-op apartment so we own shares in the co-op corp which entitles us to live in our apt . The co-op corp owns the property and carries full insurances. 

Reason for the late reports is Seterus claims that we have no insurance on the property and they have increased our payment amount to cover insurance. We don't pay the increased amount. We have provided proof of insurance over and over which Seterus ignores.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

In XXXX, I contacted XXXX XXXX XXXX XXXX to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX  XXXX department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired XXXX different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Consumer complaint received 2018-03-12
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. (NJ)

AFTER LOOKING AT MY CREDIT REPORT I NOTICED A BANKRUPTCY THAT WAS PUT ON MY CREDIT REPORT IN ERROR. I DISPUTED IT. 

EQUIFAX STATED THAT THEY VERIFIED IT ON FED XX/XX/XXXX THIS NOT CORRECT. I OPTED OUT OF XXXX XXXX XXXX ON XX/XX/XXXX. THEY HAVE ERRONEOUS INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  and experian, XXXXXXXX XXXX XXXX, and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX when they thought that I was not monitoring my credit.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION (GA)

on XX/XX/20 There were fraudulent charges on my visa credit card. 
I contacted fenfed customer service and they said they would start and investigation into the fraud, and that it would take approximately 10 days for the charges to come off my credit card. 
After numerous calls with out any contact from Penfed. I was the only one contacting them, as of XX/XX/20. they sent me a response, saying that there were no fraudulent charges on my account the the case was closed. 

this is {$1600.00} in fraudulent charges that I am not responsible for. 
I have no other recourse at this point. 
am looking for help in this matter
Consumer complaint received 2023-01-04
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. (LA)

According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2018-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (WV)

we're in the process of listing our home to sell. A realtor noticed that we have a debt on our deed that is about 24k above the amount initially borrowed from BB & T in 2008. Long story short - it shows that the previous loan was never paid off. BB & T ( current mortgage lender ) says that they can't do anything because the records go back longer than 10 years. XXXX can't do anything because we do not know the loan # or have the cancelled check of when the loan was payed off by BB & T in 2008. Both banks keep batting us back and forth. I started to inquire about this in the middle of XX/XX/2008 with BB & T mortgage and still have not received help other than ( we paid the XXXX loan off when you refinanced with us ). XXXX bank has replied that they can not help because the loan was never payed off by BB & T.
Consumer complaint received 2019-08-27
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)

" On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. On XX/XX/2019, a security freeze was placed on my file with XXXX XXXX XXXX. 

On XX/XX/2019, I sent Equifax an certified letter and attached a copy of my drivers license and social security card with signature. In the certified letter, I requestded verifiable proof they have on file regarding the bankruptcies listed on my report. 

On XX/XX/2019 Equifax sent confirmation ( # XXXX ) with the following response : WE HAVE REVIEWED YOUR CONCERNS AND OUR CONCLUSIONS ARE : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE FILED. THIS SECTION INCLUDES PUBLIC RECORD ITEMS EQUIFAX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, XXXX. PUBLIC RECORDS CASE OR ID XXXX - XXXX, # XXXX AND # XXXX WERE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY If a security freeze was placed on my file with XXXX XXXX XXXX on XX/XX/2019 ; How did Equifax obtain information from XXXX to complete report ( Equifax confirmation # XXXX ). United States Bankruptcy Court does no business with the credit reporting agencies. How did Equifax obtain their findings. ''
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

Purchased an American Express Serve " prepaid '' card from XXXX on XX/XX/2019. Paid {$100.00} in cash plus {$2.00} for the card to charge it. Tried to use it the next day and it was turned down by XXXX, where I had purchased it. The company had additional fees of {$8.00} per month, starting from registration, plus I had to wait several weeks for the actual card to arrive if I wanted to use it ( this is a card I had purchased to travel ). I tried to get a refund from XXXX and American Express. XXXX sent a nice letter saying they would refer my complaint to another department. American Express never replied. This card is completely useless for any purchases, online or otherwise. I could provide all sorts of personal information to the company and pay {$8.00} per month to get a " real '' card maybe sent to me, and maybe not, with no guarantee the card would arrive within one month ; but they do not seem trustworthy enough to provide any more information than they already have.
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (NY)

I am the co-signer of a loan for a XXXXXX/XX/XXXXXXXX XXXX XXXX ; a car leased by my daughter. On XX/XX/XXXX, she was involved in an auto accident and charged with a XXXX. This case is still in court and has not as yet been adjudicated. Around the time of her accident, her initial lease period was up, and not knowing what else to do, she verbalized a request for a six month lease extension. The car was impounded ( impound #XX/XX/XXXX ) and stored at a police lot. She was originally told that Chase would pick up the car and either have it fixed or auction it, or they would allow the police department to auction it. Three months later, we still don't know the status of the car as XXXX ( XXXX XXXX  ) the case manager.keeps telling us that she doesn't know what is going on with the car and has no answers to our questions. We have called her about eight times since late XX/XX/XXXX or earlyXX/XX/XXXX The only thing she tells us is that the bank 's attorney and the police department attorney need to talk to discuss what will be done with the car. This is told us despite the fact that my daughter 's attorney spoke to the DA, back in XX/XX/XXXX, and was informed that there was no issue with releasing the car and they sent paperwork to Chase months ago informing them of this. Meanwhile, they keep charging my daughter and expecting her to pay lease payments on a car that is no longer in her possession and never will be again. I feel that we are being held hostage by this situation, and no one is trying to resolve the matter in any kind of a fair or equitable way. Chase seems content to just keep stalling and keep charging us for a car that they seem to have no desire to do anything with except leave it in limbo forever. They have been anything but helpful and perhaps dishonest or at the least not forthcoming.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC (OR)

Mercury Card company takes auto payments without crediting the account costing over credit charges etc unfairly. Then proceeds to lie saying the payments never go through by doubling the following payment to deceptively force me to pay 40 % of total amount due within 30 days! 

Total amount due XX/XX/XXXX = XXXX Returned payment charge XXXX XXXX {$40.00} Payment of {$120.00} XX/XX/XXXX = processed but not credited Auto payment XX/XX/XXXX = {$210.00} without credit to account How can minimum payment go from {$120.00} in XXXX to {$210.00} when the card has not been used in over a year and the company is not crediting my account for payments made?
Consumer complaint received 2021-12-06
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: PNC Bank N.A. (MT)

The company I work for used PNC for our corporate credit cards but recently switched banks. I received a bill from PNC bank for {$780.00} which includes a {$15.00} " late fee '' for charges nobody at PNC has been able to explain to me. Back in XXXX of 2020 I had fraud committed on my card and I reported it to both PNC and my company as soon as I realized the fraud. The total fraud charges equal about as much as this mystery balance and I just need someone from PNC to speak with me. I have been hung up on twice, put on hold for 20-60 min multiple times and bounced from department to department with answers. I'm not sure what to do next. Literally ANY help would be appreciated.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (FL)

XX/XX/2021 I received a package from : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
I did not order or have not looked online for buying male enhancement pills or other type information. I tried to look up the UPS tracking number which took me to another site requesting access to my online information. Since there was no packing slip or information provided I did not return the package for concerns that I would have no proof of return & concerns of fraud. 
XX/XX/2021 I received in my mailbox, a US bank - State Farm credit card billing statement for XXXX, 2021 in the amount of {$4900.00} charging for this unauthorized package. Due to be paid in full by XX/XX/2021. I did not authorize this credit card. I have no possession of this credit card. I had no knowledge of the credit card until receiving the statement in the mail. I am reporting the shipping address to the XXXX XXXX Police Dept. I am reporting the information to the Florida Attorney Generals Office.

Bottom line is none of this has been authorized by me.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I'm a victim of identity theft. I've contacted these companies countless times asking for purchases agreements, and they have failed to send me any documentation. I started reaching out in XXXX of this year I even waited 30 days called back and still nothing. I just want this issue resolved and removed from my credit report.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX    XXXX XXXX  reporting inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ID)

In the last several years Navient has had issues keeping the details and the payments straight for my personal and federal student loans. They have given me advice that has resulted in the loan balances growing versus dropping. the private loans are now almost 25000 over the original amount borrowed. I have signed up for their rate reduction program and have had the payment automatically deducted for the last 3 years. In that time I have received numerous calls informing me that the payments are late, that the payments have not been made or applied even though they have deducted the money from my bank account. There have been many times it has taken me over 10 hours on the phone with their customer service representatives, only to be passed from one person to another, and in the end they say they have fixed it and then I receive another call a couple days later about the same issue. I have not been able to access my online account information for several years, and when I call to try to resolve this issue they tell me that the information I give them is incorrect. At one point they told me that my birthdate was not the same as what they had on file. The DOB that they had on file would have made me 16 years old. The few times that I have been able to access their online account information it shows the payments received for my federal loans but none of the details, and it shows the details of my private loans but none of the payments that have been received. I am only the cosigner on these private loans, but I am the one making the payments. The customer service representatives are vary difficult to work with when they see this fact. I did contact an ombudsman with Navient to attempt to resolve some of these issues and she talked to me once and appeared not to be surprised by the issues I was having. Yet it hasn't changed the way things are handled. The primary borrower filed bankruptcy and that created a whole set of new issues regarding these loans, and although the company still continued to receive my payments during that time I got numerous calls that informed me that the payments were not being made. I am overly certain that the payments are not being applied in an appropriate manner and it would take a financial genius to navigate Navients system to be able to prove that they are doing so. At this point they have me stuck in a payment system that will require 95 years of payments to pay off these loans.
Consumer complaint received 2021-12-06
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: Resurgent Capital Services L.P. (PA)

I Recently looked at my credit report It has come to my attention that ( LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.