davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (PA)

I have been trying to dispute a school loan from the PA department of education in the amount of {$9500.00} for almost two months now through EQUIFAX. There was a lawsuit with my school and I have documentation supporting that it should have never affected my credit in anyway and I still have been marked for late payments, and it still says that I owe that remaining balance. I have filed multiple online disputes through EQUIFAX BETWEEN XX/XX/XXXX and XX/XX/XXXX. I have called them and filed multiple disputes, including two or three disputes that my address is incorrect. They claim to have fixed my address and it is only the street name with no numbers! I mailed all of my information including social security information, along with my ID as requested, and they said it got lost. I faxed them over my information and they still say they have not received anything!! Every time I call I get disconnected, or they say they cant get into my account! Ive filed multiple complaints and talked to a manager who did not have anything to say to me about the matter. For a company that are holders of millions of peoples social security numbers and confidential information, they dont seem like they know what they are doing! I also have a hard inquiry for XXXX because I had them for one day and the equipment did not work. I tried to apply for a credit card and was denied due to this loan still on my report that should not even be there, and my score went down 17 points because of it. That is not my fault. The incompetence that EQUIFAX shows in performance as a company is absurd! Someone needs to investigate the company.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My identity has been compromised, and the following unauthorized inquiries needs to be removed from my credit report or the responsible party inwhom reporting them should send me the applicable physical documentation as required by law. Please remove the following inquiries 1 ) XXXXXXXX XXXX XXXX ( XXXX ) 2 )  XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXXXXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX, XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX, XXXX, XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 )  XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX )
Consumer complaint received 2017-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AK)

Freedom Mortgage paid my house insurance premium of {$750.00} out of the account for my four-plex mortgage. The statement that I can download online shows that the {$750.00} was deducted and then credited, but there is no actual balance that reflects this. The escrow account disclosure statement that was mailed to me XXXX attached ) shows that the {$750.00} was deducted, but not credited. The accompanying balance on this statement reflects the {$750.00} deduction, but as mentioned, there was no credit back to this balance. 
I asked for documentation that shows a balance to clarify this. Freedom Mortgage has sent a statement with the deduction and credit of the {$750.00}, but were hiding the balances. I responded within their email system asking for documentation of the credit with the corresponding balance. They responded that I did not have authorization for such information. 

After multiple phone calls and emails, representatives are unable to answer what has happened with my account and they refuse to give me the information that I am requesting ( i.e. the debit and credit of the {$750.00} with the accompanying balances XXXX. They are definitely trying to hide something.
Consumer complaint received 2017-09-11
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. (PA)

I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach
Consumer complaint received 2023-01-30
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. (DC)

I discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be reinvestigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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: BMW Financial Services NA, LLC (NY)

I have had two separate leases with BMW financial and for the length of the period of 36 month paid on time with no late payment. However I was asked to cosign by a BMW employee for a person I referred in and that individual the true owner of account # XXXX allegedly paid their lease twice late, information is still unsubstantiated XXXX XXXX is the registered owner of that vehicle, he drives it and pays for it, I am not copied on any invoicing or don't have access to the account which is in his name. BMW has reported the account twice late and has extremely damaged my credit rating through no fault of my own, I have asked them to revove that false credit information about, but they have maliciously refused. I would like a full investigation to be asked into BMW credit reporting practices and method, to insure they truly comply with the Fair credit reporting act and reasonable, truthful credit reporting practices, they are the only beneficiary of these leases but they choose to damage my credit when it was their sales person that earned a commission and they were able to lease a car by misrepresenting that I was a co-signer only responsible if the car is stolen, damaged, or repossessed.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

In XXXX XXXX/XXXX/XXXX I opened a checking account at Webster Bank XXXX University brunch located on XXXX XXXX in XXXX. The terms offered by the branch manager XXXX were a {$350.00} dollars bonus after 4 months on the deposit of {$10000.00} dollars. I made a deposit of {$15000.00} dollars. 

After I checked with the bank in a few months I was told that the information was incorrect and XXXX made a mistake. The terms actually were 6 months. I checked the terms that I received in the day of the original deposit and it said the bonus will be credited to my account on XXXX XXXX, XXXX. 

After I waited another two months Webster bank did not issue a credit on XXXX XXXX, XXXX. After I contacted the bank I was told by the service representative that there is no bonus and I will not be getting anything. 

In a last two weeks I had been trying to resolve this with Webster bank through numerous attempts to contact anyone from branch manager to their upper management. The new branch manager in the location where the account was opened is not answering my calls and not returning my calls. A few times I spoke to him I was told that there was some kind of the mistake and it will be resolved shortly, but it has been two weeks. 

I was able to get a hold of a market manager for the XXXX market. I believe his name is XXXX XXXX and his number is ( XXXX ) XXXX. He was very rude, but promised to resolve the situation. It has been 10 days and nothing has been addressed. He is no longer answers my phone calls. 

I also reached out to the corporate office for Webster banks and spoke to XXXX XXXX XXXXenior vice president of Corporate Communications and Public Affairs XXXXXXXXXXXX. She asked me to email her the information and promised to get back to me right away. It has been more than 10 days and she is not answering her phone, not returning my phone calls, and not replied to my email. 

I tried to address the situation with Webster Bank phone customer service multiple times and they are not aware of anything and refer me to the branch where the account was opened. 

I contacted the Webster Bank headquarters and XXXX CT. The bank official I spoke to took my information and also promised to resolve the situation. I have not heard back from him either in more than 10 days. 

I do not know what to do at this point. As of today, XXXX XXXX, XXXX, I still has not received anything ... I opened an account and made a large deposit to Webster Bank on the consideration of the bonus. This now clearly became a fraud on part of Webster Bank. The bank is using my money for more than seven months and not fulfilling their obligation. Management ignores me and does not care. It I close the account I will certainly not get the bonus from them. Even if I get the bonus at some point this is not what the banks advertised and promised.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

On XX/XX/2017, it was made public that Equifax had a major security breach that compromised about 143 million U.S. customers. As a result, I have reason to believe that I have been impacted and my credit may suffer for it. It is absolutely unacceptable that Equifax knew about this for months in advance before making the news public, during which time executives at Equifax sold shares before the hack was announced ( which could be considered illegal insider trading ). Over a third of the entire country has been screwed over by this company and that is absolutely horrendous.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have 3 loans with XXXX, all of them have been on AUTOPAY. In the middle of the covid pandemic I got notice that my credit has been affected. I contacted XXXX to fix it and they said they would and to file a report online and with the agency. BUT NO ONE fixed it. Then they sent me a letter that I am in good standing for the past 24 months, but they sent it for the wrong loan number! Now my credit is ruined due to them, they wont fix it they are such a mess and unorganized. I have been on autopay and they are stating they couldnt deduct money from my account even tho they did deduct it for the other two loans!
Consumer complaint received 2019-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

1. I received a number of phone calls Citi Card collection department during the week of XX/XX/XXXX identifying that I was overdue on one of my Citi Card accounts. 
3. I spoke to someone on XX/XX/XXXX and asked that they send me the statements for these charges. I only received statements with finance charges and interest and no record of the XX/XX/XXXX charges. 
4. I spoke to ( 5 ) people in collections around XXXX ET on XX/XX/XXXX and ultimately, I paid {$260.00} from my XXXX XXXX XXXX account, I was told that I still had a balance due for the membership fee of {$99.00} for the recently closed account plus some other finance charges and interest. The total debt requested was {$410.00} 5. I called the Citi Card Fraud department at XXXX on XX/XX/XXXX and gathered more information about these charges. I was told that there was a total of {$160.00} ( {$31.00} ; {$42.00} ; {$44.00} and {$50.00} ) for charges on XX/XX/XXXX in XXXX Mass. We have not been to XXXX in many years ( and my appointments for these days can confirm my location on XX/XX/XXXX. ) 6. I spoke to a person around XXXX ET  on XX/XX/XXXX and I was told these charges would be under investigation. 
7. I received an email notice on XX/XX/XXXX that one of the finance charges of {$37.00} would be waived. 
8. I received a letter dated XX/XX/XXXX notifying me that I must pay {$150.00} while the dispute is pending. If I paid this amount, I would have paid {$420.00} on fraudulent charges. The only valid charge in question is the {$99.00} membership fee.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I spoke with a rep with XXXX XXXX XXXX XXXXg today, XX/XX/XXXX, regarding a check issued to me from Capital One which was fraudulently cashed.. The rep stated Capital One should have provided a fraud affidavit which they did not and have not investigated signature which was requested numerous times in the past. The check in question is from a closed 360 checking account in the amount of {$4200.00}, intercepted and forged while I was on vacation on or around XX/XX/XXXX. I've provided proof of whereabouts at time of check interception and cashing as well as check copies showing forged signature, Capital One rep by the name of XXXX will not investigate. Numerous complaints filed in re since XXXX of XXXX, unresolved, Capital One rep ( s ) will not reissue check for funds owed.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (GA)

I received a XXXX loan. The balance of loans typically goes down with monthly payments, but no this company charges daily interest so there's no way of paying the balance down. So instead it continues to rise even tho monthly payments are taking out of my bank account.
Consumer complaint received 2018-02-16
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)

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX Pleaes help me get this matter cleared up
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MO)

This number XXXX calls me 10-20 times daily. I have called them several times to find out why. They are collecting a debt for a person I do not know. I have told them that I am not that person.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/XXXX   XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX   XXXX {$2600.00}
Consumer complaint received 2019-11-06
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Over the past several months. My mortgage lender has been calling a cell phone number I use also for work. The calls are every day, atleast 3 times a day. I have called the service center and I have went into a local branch and had a mgr also call to have my number added to do not call list. The calls are still coming thru. Each person has told me they made the change but nothing has stopped the calls.
Consumer complaint received 2020-05-26
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I have limited exact dates of transactions as the company XXXX XXXX XXXX closed inXX/XX/XXXX. I purchased several packages from XXXX XXXX XXXX for laser hair removal between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from XXXX XXXX asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as XXXX asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. XXXX is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that XXXX XXXX received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. XXXX is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

On XXXX/XXXX/XXXX I owed exactly {$1800.00} On XXXX/XXXX/XXXX the transaction has still not gone through and now I owe : {$1800.00} This happens every time I try to pay off a loan. We are setup to fail.