davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. <P/>Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. <P/>I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Consumer complaint received 2017-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (AZ)

I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Consumer complaint received 2017-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION (WV)

I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.
Consumer complaint received 2017-12-31
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: EQUIFAX, INC. (NY)

This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.
Consumer complaint received 2017-12-31
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: EQUIFAX, INC. (MI)

I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.
Consumer complaint received 2016-02-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (TX)

Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IL)

This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you
Consumer complaint received 2017-12-30
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: EQUIFAX, INC. (NY)

XXXX, XXXX, and EQUIFAX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, XXXX, and EQUIFAX have ignored my notices. As of today, XX/XX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (IL)

Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND XXXX HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. EQUIFAX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.
Consumer complaint received 2023-02-13
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. (LA)

When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXX XXXX Balance Owed : {$290.00}
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>Thank you.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

Nelnet is my servicer for my student loan for my XXXX studies. My account number is XXXX. I took 2 loans out to pay for my XXXX {$20000.00} and {$12000.00}. Due to financial hardship over the last few years, I have had to defer my student payments until my divorce is final and get back on my feet. Recently, I received a notice that I was late on my student loan??? I thought I had a deferment. I look at the website and my deferment was denied in XX/XX/XXXX. I never received this letter. I called NelNet and got an excellent representative XXXX. She explained what Nelnet had done to me since XX/XX/XXXX.  Nelnet has been capitalizing the interest on my principle since XX/XX/XXXX. This now makes my {$33000.00} principle increase to {$37000.00} which I am now paying/accruing interest on. This was done without my knowledge. This was not explained to me. XXXX explained it did not have to be explained to me but now the Department of Education mandates that borrowers need to be told that deferments or forbearances will the capitalized interest and become part of the principle. Now, I am PAYING INTEREST ON TOP OF INTEREST. Who is making this extra money? I am in a hardship situation and the lender or servicer is gouging students with this usury type practice. On XX/XX/XXXX, I had an admin forbearance prior to deferment that capitalized interest. On XX/XX/XXXX, I had a grace period deferment that capitalized interest. On XX/XX/XXXX, I had an admin forbearance that capitalized interest. And now on XX/XX/XXXX, I will have a forbearance deferment that will again capitalize interest.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I was charged a finance charge on a credit card balance. It was for {$1.00} XXXX dollar. I was marked as 30 days late on my credit report. The Card Issuer, Wells Fargo refuses to remove the 30 day late, now it has negatively impacted my credit score and I am bgoing to be rejected for the mortgage I have applied for. I would like Wells Fargo to remove the 30 day late from my credit file.