davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Equifax won't allow me to freeze my account. I went online the week of XX/XX/XXXX to create an account on their site so that I would be able to freeze the account. They said they couldn't verify my identity and they would mail me a pin so I could log in. On XX/XX/XXXX I received the pin by mail and went online to complete the freeze. The site said I have to call them. 

OnXX/XX/XXXX I was on the phone with them and tried to get a login and/or freeze my account but they are saying they can not do it because they do not have sufficient information about me. The reason being that I never took out a loan -- this is exactly the reason I am trying to freeze my account, because I want to protect my credit score. But they insist that they won't help me unless I fax them a letter, including a copy of my social security number and my passport. I had to speak to 3 different people and get bounced around 4 times on the phone. 

The other two credit bureaus allowed me to place a freeze in a matter of 3 minutes. I refuse to share such sensitive information with a fax number, the receiving end of which I don't know, and which offers ZERO security. Equifax is discriminating against individuals with flawless credit, thereby opening them up to further fraud threat.
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bliksum, LLC (AZ)

I took out a personal loan from cc connect or loan me last year around XXXX and my credit report got a hard inquiry. I took out the loan to help with my credit and they said they report payments. They never reported one payment and i paid it off early and they never reported that. I called several times and they won't help me. All payments were on time and the loan was paid in full early. They just say file a complaint.
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

There is an ongoing issue with requesting a refund. I was never notified of a problem with my request and requesting management intervention has not resolved the issue. Consistent cycle of delays without repercussions but if I was 3 months in submitting payments the student loan company would want to garnish my salary. 

Please do something so this does not happen to others. 

XX/XX/XXXX - student loan company at XXXX agreed to process refund of {$4300.00} which would be return as paid through XXXX to XXXX. 
XX/XX/XXXX - student loan company stated refund was approved on XX/XX/XXXX and would be return as paid through XXXX to XXXX in XXXX weeks. 
XX/XX/XXXX - student loan company stated refund would be received in XXXX weeks, but by mail. 
XX/XX/XXXX - student loan company stated refund was approved, would receive by mail, must be a problem with XXXX. Spoke with XXXX stated there was an error, but could not explain the issue stated would expediate request. 
XX/XX/XXXX - student loan company stated refund was approved XX/XX/XXXX still pending, requested XXXX stated XX/XX/XXXX had a clerical error when request was created she contacted billing and refund would be return as paid through XXXX to XXXX in XXXX weeks.
Consumer complaint received 2022-03-01
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: BOEING EMPLOYEES CREDIT UNION (WA)

Hello, My credit card information was recently stolen and used to purchase thousands of dollars worth of cryptocurrency that I never gave permission for. The day I was approved for a credit increase, the hackers maxed out my credit card. My bank said they will investigate. But the charges are still on my credit card. I cant make any payments now because its maxed out. I need help asap.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (UT)

I refinanced my mortgage last month. The previous mortgage company completely removed my information from all credit bureaus showing excellent payment history, which caused my credit score to drop XXXX points and two of my creditors to decrease my credit limits, which also dropped my score even further, because they state no mortgage loan and mix not diverse due to no mortgage showing. I DO have a mortgage. Cardinal mortgage should have documented my mortgage with them Paid In Full since it was
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

This is a new debt collector that is purporting that I have a debt, they have never provided my the opportunity to verify the the debt, nor have they sent any correspondence. 

I have disputed the debt and XXXX says its verified - this is bogus, I have not lived at the residence they claim this debt is attached to for years - this debt is false. The debt collector is collecting under a false pretense.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (FL)

MY CAR WAS IN A ACCIDENT WITH TOTAL LOSS.THERE WAS A REMAINING BALANCE OF XXXX AFTER INSURANCE COVERED THERE PART.My gap insurance is refusing to pay that balance due to me extending payments in back of loan due to covid.They stated the goverment didn't help them.The bank didn't charge me late fee 's, and did not consider me late .Please help me
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio (CA)

I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a XXXX resident and a chase bank client. Someone wired a total of $ 32k from a Chase branch in XXXX using a fake ID ( that contained my name and address and incorrect XXXX ID #, expiration date, and photo ) to unknown recipients on XX/XX/21. Ive filled a fraud packet and sent Chase Bank all necessary items to file the claim. Chase has yet to credit or reverse these fraudulent transactions. This was a mistake done by their teller to allow such a transfer. Here is the Claim # XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am receiving letters from Wells Fargo stating that I am 5 months behind in my mortgage payments. This is not true. I've checked my account and I have faithfully been paying my mortgage every month. I pay using their mobile banking app and I double-checked and I have receipts for the mortgage. But, their app is not showing the correct balance. They are also still referencing my ex-husband 's bankruptcy in the letters as well. Wells Fargo told me that they would stop doing that, that they recognize in their records that I am the one making the payments. Please make this stop.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

PNC XXXX  XXXX  XXXX XXXX agreed ( on XX/XX/2022 via email ) to transfer an appraisal to my new lender. She stated I probably wont get it transferred until early next week My lender, XXXX, and I were unable to reach XXXX during the next week. I was notified on XX/XX/2022 that PNC would not transfer the appraisal until I paid the invoice. I promptly paid the invoice on XX/XX/2022 ( confirmation email attached ). 

I was notified on XX/XX/2022 that XXXX did not include the full appraisal documentation ( SSR files ). The email stated that PNC is refusing to transfer these files. 

As a result, the loan is unable to get processed and the closing date needed to be cancelled. I had to cancel multiple reservations, including moving truck rental, security installation, refrigerator installation/delivery, internet installation, and homeowners insurance. 

I have the right to these documents, since I paid the invoice in full on XXXX XXXX.
Consumer complaint received 2022-03-01
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. (OH)

XXXX XXXX is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.
Consumer complaint received 2022-03-01
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: Colony Brands, Inc. (AL)

XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin...... XXXX I paid this account off XX/XX/XXXX in full in the amount of {$170.00}. Account opened XX/XX/XXXX. I had to care for my sick, XXXX XXXX, unable to get a part time job to pay off this debt, she passed on XX/XX/XXXX. I paid the account off. 

I contacted this company by phone XX/XX/XXXX, XX/XX/XXXX, by letter, XX/XX/XXXX with no results to remove the CODE, " CO '' from my credit report. 

I asked if they would REMOVE " CHARGED OFF '', since I paid the full amount, THEY REFUSED.
Consumer complaint received 2024-03-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (IN)

I receive up to 3 or more calls a day some before XXXX on the debt owed some are threatening in the sense of if I dont pay them now bad things happen may happen I have asked them to reduce the number of call or stop calling to no avail I get somewhere between 12 and 20 calls a week disrupting life work and sleep
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

see attached email from XXXX addressing the base and re-levies tax amounts Dear XXXX : It was nice talking to you again today.. We appreciate the opportunity to address your questions and concerns. 



The mortgage company provided us with more information. The legal they provided describes tax id XXXX ( aka XXXX XXXX ). Our system has been updated with this tax id for future reporting. 



We also provided the below information to the lender asking them to address this issue right away. 

There are the following delinquencies for tax id XXXX ( aka XXXX XXXX ) : XXXX town XXXX. Total good thru XX/XX/XXXX is XXXX This XXXX XXXX bill included the following re-levies : XXXX XXXX base XXXX. XXXX XXXX XXXX XXXX base XXXX. XXXX XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

I never lived at an address of XXXX XXXX XXXX  XXXX Oh but a midland credit states I did someone used my Information for this debt I filed a identity theft but it was still put in my credit and in collections this is hurting my kids and I it must be removed
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

This company do not have a legal agreement with me this company have not provided me with nothing with my legal signature with them this company fail to send anything that shows that l have a collection with them with there name on its and do they had a legal contact with me with my signature attached with them
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (OK)

After filing bankruptcy on XX/XX/XXXX, the GM Financial company sent letters statements that they were aware and I no longer need to pay. Same with XXXX XXXX however ... GM Financial, XXXX, XXXX, and XXXX refuse to put at XXXX balance or remove off my credit reports. I personally sent letters and called the burueas and they refuse to help me back in XXXX. I hired XXXX XXXX in XXXX and they didn't get results. I sent letters on XX/XX/XXXX because I found out with my Loan Officer that this inaccurate debt is effecting my opportunity to get qualified for mortgage. Plus in the letters from GM state that I no longer owe. I personally returned vehicle back to dealership in XXXX XXXX XX/XX/XXXX. Please help me clear this false amount account that I've not been responsible for for over a year now.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

**This applies to acct ending XXXX had a savings account with Bank of America . I had too many withdrawals so they switched it over to a checking account. I told them I did not want them to switch it to a checking account to close the account. They opened the new account anyway. And XX/XX/XXXX I called and told them they need to close the account. I was told that they would reverse the fees and close the account. XX/XX/XXXX I am still accruing fees every month. I called again to have them close the account. I was advised that they would need to reverse the fees again and I would need to call back. After making several calls to close this account that never shouldve been opened it is still open with a negative balance due to fees they continue to charge monthly. All I want them to do is close the account, but my attempts have not been successful.
Consumer complaint received 2022-03-01
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. (TX)

I submitted multiple disputes with the supporting documents through Experians dispute portal. The dispute is against ally financial who is reporting an account that was opened illegally. 
I submitted the identity theft report as well as the evidence that ally financial created a fake contract with a forged signature. I submitted the evidence and Experian informed me in a recorded conversation that they DO NOT look over anything I submit. They ONLY send it to the reporting company. Experian informed me that the reporting company is the only one who investigates and makes any decisions. Experian told me that it does NOT matter what I provide, EXPERIAN WILL ALWAYS TAKE THE COMPANYs WORD OVER MINE. 
Experian has been told in writing on many occasions that this a direct violation of my FCRA RIGHTS. Experian has a responsibility to properly conduct an investigation and to throughly review all of the evidence I submit. Experian refuses to follow the law and remove this fraudulent account from my credit report. Experian is harming me by allowing a company who report fraud without providing evidence. Experian is harming me and my reputation by failing to protect my consumer report from companies that abuse consumers. Experian is abusing me and causing me distress every time they dont follow the fcra laws. Experian caused me great anxiety when they told me that they will not review any documents I submit. 
My disputes ARE SPECIFIC. 
My COMPLAINT is SPECIFICALLY in regards to XXXX fraudulently reporting on my consumer report and Experian allowing them to after Ive submitted the proof that they are lying.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, Experian received a dispute about an account on my consumer report, XXXX  XXXX XXXX, XXXX, As noted, I have submitted numerous disputes about this account. Experian noted that the estimated resolution date would be XX/XX/2022. As of XX/XX/2022, Experian has not completed this disputed. It has been well over 30 days, and they have not been able to validate this account. According to the Fair Credit Reporting Act, Experian had 30 days to investigate the dispute and remove any items proven to be inaccurate, unless notified that it may take longer. As of XX/XX/2022, I haven't received any notice that Experian needs more time to investigate the account. According to law, this account has to be removed if they are not able to validate the account. Remove this account from my consumer report.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I have a mortgage with Rocket Mortgage that includes an escrow payment for taxes and insurance. I closed on the mortgage/home on XX/XX/XXXX. At closing and for the first 6 months of the loan I had a PITI payment of {$2400.00}. In XXXX, Rocket did an escrow analysis and projected that my taxes would double from about {$4000.00} to {$8100.00}, and then increased my escrow payment by about {$450.00} per month. This increase is based off an estimate they projected and they are not considering the homestead exemption that my wife and I have. I have a family and a budget, and we are expecting another child in 3 months, this is a very sizeable increase for our family. I also ran an analysis on previous sales in my zipcode for XXXX and compared the increase in taxes in XXXX with the new owners versus the previous owners in XXXX, and there was not one property that the taxes increased by double in my zipcode ( in over XXXX sales ). I have reached out to Rocket so that they can review my tax estimate or wait till we receive an estimate from the county and adjust my escrow payment in the meantime and they will not do that. I have paid my original loan payment amount and they are not applying it to P & I and the remaining in escrow. Instead my payment is sitting as an unapplied payment and my load is past due.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The BANK OF AMERICA account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (CA)

XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.