davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One credit card twice on XX/XX/2020 to find out what kind of financial assistance programs they are offering so that I could close my account and enter into a long-term payoff plan. I have credit cards at XXXX and XXXX XXXX in which I am enrolled in long-term payoff plans in which interest was reduced, in one case with XXXX I am paying zero interest, and no late fees for either card. XXXX XXXX offered two options, including a one year zero interest plan or a 5 year pay off plan. Captial One is only offering one month deferrals, so I got a 2nd deferral. This is not meaningful assistance and I believe the Capital one knows this. They earn more interest with a deferral so it benefits them. They also refused to refund a late fee in which I made my payment 10 days late, because they had refunded a late fee in XXXX. Both late fes occured during the pandemic. So they are in no way trying to work with their customers and are not offering any kind of financial assistance program. Payment deferrals are to their benefit. On my statement during the one month deferral, the interest charged was higher on the same balance. I have attached those 2 months of statements. The representatives on the phone are trained to say that they are here to help, yet can not offer any help.
Consumer complaint received 2019-10-05
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: EQUIFAX, INC. (HI)

This is like an endless circle now. XXXX has place yet another new inquiry yet again it shows as a hard inquire when it should be a soft, once again like all five they have done on my Equifax report the inquires they are doing are missing a reason code Equifax requires a reason code to properly categorize the Inquire once again XXXX is not providing the reason code to Equifax so they are unable to categorize it properly. They did this on XXXX the again on XX/XX/XXXX then again on XX/XX/XXXX then again on XXXX and then again on XXXX. This has been going on for a month now!!! Take immediate actions to correct these inquires so they can be categorized properly. You are in violation of the FCRA until you provide Equifax a reason code so they can properly make the soft inquires. You did not have my permission to run a hard inquire. Every time I tell you about the last one you did a new one shows up!!!!
Consumer complaint received 2019-02-25
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: Experian Information Solutions Inc. (CA)

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted Experian, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, Experian or XXXX  have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX  used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Consumer complaint received 2018-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave up.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

We bought our home through fha financing through wells fargo. In 2007 our home was forclosed on after we were told during closing our payments were {$570.00}. First payment XXXX. We asked for help, got denied, lost our home
Consumer complaint received 2017-05-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Beginning principal balance with  XXXX   XXXX  of about {$40000.00}, and after starting payments in  2010 , the BALANCE OWED on my student loans through this lender is now HIGHER than it was when I started. I am trapped. my debt to income ratio is horrible, and I have even PUT OFF HAVING CHILDREN as a result of this lender, ( as well as  XXXX  others ) keeping me prisoner. I did resolve to have a lower interest rate with auto pay, but I 'll be paying this off until I 'm  XXXX . My total student debt is {$110000.00} annually.  XXXX  of that  is Federal.      The only reason I 'm paying these loans on time or at all, is because if I did not, they would call an harass my  XXXX   XXXX   XXXX  grandmother an d myself 10 times a day. I pay because I could n't bear to hear my grandmother be afraid of the debt collectors and their threats. The process was heartbreaking and infuriating at the same time.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I received a text alert from Chase bank who I bank with. It read that there was a wire transfer and wanting to know if I authorized it. I said no and then Chase replied with they would call me to fix it. They called me right away and had all my account information. They said there was someone in XXXX using my bank card and making wire transfers. They stated I needed a new bank card and they would be fixing this but also noticed my husband is on the Account so they had to call him and talk to him as well. They did call him to take care of things on that end. After waiting several days for a new bank card we called the bank to find out what was taking so long. They had no record of any of this so then we knew something bad happened. My husband found in his junk mail emails where the people who claimed they were Chase transferred money from our account into a XXXX account and XXXX XXXX account. They created accounts in our names except they werent actually us. So it looks like we transferred money to each other except these werent accounts created by us. They ended up taking almost {$4000.00} from us and Chase will not help us at all. I am blaming Chase because obviously their security is very lacking. These people did such a good job acting like they were chase bank. They literally had all of our information and my husband nor I had to give them anything.
Consumer complaint received 2021-06-10
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. (PA)

I have several open investigations ( disputes ) initiated due to inaccuracies and/or incomplete information on my Equifax credit report. The disputes are attached. 

It is my understanding that if the information on my credit file can not be verified, updated or corrected, then the items must be deleted. 

Equifax, in some of these cases, appears to have failed to properly investigate my disputes within the allotted time, based on Federal Law ( FCRA ). Equifax has not provided me with updates, nor have they informed me if additional information would be needed in order to extend their investigation.
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

I have been trying for YEARS to get Fedloan servicing to set up a income based repayment ... For some reason it is always stalled out, or can't be processed, or needs more documents, or a signature is missing, even though I am doing everything they ask or tell me. I keep having to put my loans in forbearance which accrues interest and nothing is ever resolved. I have spent hours on the phone, I've tried the website, it just never works. This is the most ridiculous process I have ever seen. I am certain I am not the only person having this problem. Please help
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Identity Theft : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$85.00} I have provided an identity theft report for the two collections accounts on my credit file being hosted by Equifax and I have already complained prior to this complaint regarding these two fraudulent collections accounts that the company XXXX XXXX XXXX never properly notified me of these two accounts back in XXXX when they began reporting these collections accounts to the credit bureaus unlawfully and beginning in XX/XX/XXXX, over XXXX complaints/disputes, from XX/XX/XXXX thru XX/XX/XXXX, they exceeded the 5 day rule in XX/XX/XXXX and after XXXX plus disputes with the credit bureaus from XX/XX/XXXX to XX/XX/XXXX, never once was a valid, legitimate invoice or statement of services provided to me - what was provided to me was a miserable copy of some statement but it did not show me what services I allegedly owe for and to this date I have never received a bill from the original creditor or a copy of an old bill after close to XXXX disputes with the CFPB and XXXX XXXX disputes with the credit bureaus, never once have I received anything XXXX show me these are two bills I am responsible for.
Consumer complaint received 2018-11-29
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. (NC)

On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to XXXX, Experian and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX  ( XXXX ), XXXX ( XXXX ).
Consumer complaint received 2022-05-03
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. (TX)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXXUSPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of XXXX, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.
Consumer complaint received 2021-12-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. XXXX sent a 14 page XXXX XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were XXXX.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TN)

XXXX has been non-compliant with removing the unverified account ( WELLS FARGO BANK XXXX ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ( WELLS FARGO BANK XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

CommonWealth is reporting a debt on my credit report and NEVER NOTIFIED ME PRIOR TO INACCURATELY REPORTING THIS INFORMATION. 
Today it shows : COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$790.00} 0 % paid off Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$790.00} {$790.00} Payment Info Original loan amount {$790.00} Balance {$790.00} Updated on XX/XX/2019 No other identifying information that proves this debt belongs to me. I would like this matter to be investigated further because I never received a written notice of my right to dispute per FCRA, they are not doing their job.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2018 XXXX credit card has reported a miss payment to my Experian credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.
Consumer complaint received 2022-05-03
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a loan with ( CAPITAL ONE XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX   and XXXX ) and ( CAPITAL ONE XXXX XXXX ) with no successful resolution. ( XXXX ) only reporting me late. There was definitely an error on their part. I was never 60 days late ( Date of Late Payment )
Consumer complaint received 2017-05-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SecurityNational Mortgage Company (TX)

A lengthy detailed explanation has been written and is Exhibit 21. Please read this first. It will provide details and reference the other 20 Exhibits that will be attached providing I can attach all of them. Just so you know I have contacted Security National Mortgage Company ( SNMC ) and have gotten no response at all from them.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

In XXXX of 2017 I had a friend who had been let out of XXXX  and he had no identification. He would receive checks from a class action lawsuit involving his fathers dead from XXXX. At the recommendation from a chase bank teller who I explained the situation to I deposited the check into my account. A few days later as I tried to sign into my account something looked odd so I called. I was told my account t would be closed in 10 days unless the check owner and myself came to local branch with some form of identification. I explained that was the reason I deposited check to begin with. They explained I had 3 years to claim funds. I've tried going in with my friend a few times throughout the almost 4 years but there was always an issue. Why won't chase release the funds
Consumer complaint received 2018-04-07
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 have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (AL)

I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! 

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!
Consumer complaint received 2018-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Hello, I was enrolled in XXXX college back in XX/XX/2015 then it suddenly closed. I applied twice to get my loans forgiven from navient since I meet all the criteria to do so. Both times Ive got denied and continue getting billed for a degree I did not receive. Ive called multiple times, customer service is horrible and did not help at all they rudely continue to say I need to pay on the loans regardless of my situation. I know I do not have to pay, not a XXXX!
Consumer complaint received 2018-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.