davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (PA)

On XXXX 2015 Signed a Contract with Ally bank with a co-signer that they requested loan was approved the dealer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Never came back and discussed the terms of the loan He Just stated that the Loan was approved This Bank wasn't going to give me a loan for a car that was worth XXXX Used but they approved a loan for XXXX for 72 Months if I was told that I would be paying almost XXXX for a used car NO DAWM DEAL I would have just walk to work The Bank and the dealer took Advantage of myself and my co-signer because if I was unable to pay the Bank would have REPOSSESSED OR MADE THE CO-SIGNER RESPONSIBLE and Damaged me forever IF THIS IS NOT UNFAIR THEN WHAT IS DON'T LET THIS HAPPEN TOO YOU DON'T SIGN ANTHING THIS TAUGHT ME A XXXX DOLLAR LESSON WOW
Consumer complaint received 2020-07-21
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. (FL)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal is not safe as it says it should be. I have a transaction amount of {$23.00} dollars and {$20.00} dollars. I try to reach out to them to file for fraud, was unreachable. I had to rely on help center which was a confusing site for me to file for fraud. I wanted my account to be safe and locked. No options were there as well. I want assistance via phone but they can not help at this time thats what they say when u call me. Im afraid of having my account getting hack, getting my money.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (NY)

Around, XX/XX/2020 I was paying my credit card bill on my Discover card. I sent money inside an envelope to Discover Card to pay my bill. So I sent in {$620.00} in 20 dollar bills and some one dollar bills. Some 10 dollar bills and 5 dollar bills to Discover Card. I noticed it never arrived on my credit statements. So I called Discover Card several times at customer service number. The lady that answered my Questions said they never received any money there and I knew that was not the case, so she said maybe the postman never picked it up or maybe the postman took it. I knew for sure he picked it up because I made sure he received it. So I called customer service again and I dont know if it was the same lady from before but this lady said go to the post office to check, so I did. I told the counter post office worker the problem I was having and he said the postman that picked up my mail would never go thru anyones mail even if he knew money was in it, and the postman definitely delivered the mail to Discover card and they received all my other mail that was sent to them. I found out that the post office counter worker was telling me the truth and Discover Card allegedly was not telling me the truth. I called Discover Card again to ask for my {$620.00} dollars back and I knew they had received my money all along. They said they cant help me ... sorry. I was able to send that amount of money to Discover Card because my car insurance company gave it to me because they owed money to me. PLEASE HELP ME RESOLVE THIS PLEASE. THANK YOU.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan was purchased by XXXX and is serviced by Loan Care. I have been trying for a month to get them to pay the property taxes on my property out of the escrow account. My wife and I started calling them 2 weeks before the due date. it is now 2 weeks after the due date and the matter is still being processed. Now the same thing is happening with the insurance payment. I have been on hold with them for several hours trying to resolve and there has been only obstacles and phone menu loop to dead lines. I have very little help in resolving these 2 issues with Loan Care. I have been told no supervisors available to talk. No employee numbers for customer service reps. no case numbers for complaints. At this time I know they have not paid the taxes or insurance.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MO)

I have been making payments to XXXX XXXX XXXX on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by IQ Data International. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So IQ data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
Consumer complaint received 2022-10-04
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: CORELOGIC INC (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2022-08-05
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. (NV)

In accordance with the Fair Credit Reporting act Account # XXXX ( XXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, XXXX
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (IN)

I entered deferment if loan for XXXX and XXXX payments. I called to speak to representative in XX/XX/2020. Since this time, they have been reporting the deferred payments as past due. I now have a 60 date past due account status, when my account is in fact current. I was not told that this deferment would cause my credit score to decrease. If so, I would have never taken the deferment. I am trying to close this account due to inaccurate reporting, and they wont let me. I have been taking out of deferment, and have since made all payments on time. This company will not include deferment on payment history, which will lower your credit score
Consumer complaint received 2020-07-20
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. (AL)

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

US Bank is blaming their incompetence on fraud. 

They paid checks totaling {$18000.00} to a party that was not the payee. They have no info on which bank presented the checks or what account deposited them. 

I am out {$18000.00} because of their incompetence and they have provided no assistance in the month since I reported this.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-19
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: JPMORGAN CHASE & CO. (MN)

Chase would you please send me a hard copy from your compliance office as To how your office is to legally note a consumers credit file when a dispute has been investigated by your office. Also please send me a copy of the FDCPA Requirements If the remarks were not noted by your office. Your office have acted very reckless as far as reporting to XXXX and XXXX and XXXX  The information is missing and this is a violation. And this account is no longer allow to report on my credit file due to your Negligence and noncompliance please remove this account for FDCPA immediately
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from report.
Consumer complaint received 2020-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Every year I submit my application to Navient to renew the Income-Based Repayment ( IBR ) Plan with them for my student loans. And every year it takes months of going back and forth of them saying they need more information from me despite the fact that I have provided everything the application required. I do the same process with XXXX XXXX and I have no issues. With Navient it is a fight to get the IBR plan approved. Not to mention the fact that I submit my renewal on time and get the acceptance notification. Then not 2 days later I get an astronomical bill from Navient. And I am charged a processing fee for applying for the IBR plan! Can't forget about the harassing phone calls that I get every day that total up to 5 or more. Something needs to be done about this crooked company!
Consumer complaint received 2020-07-19
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: WELLS FARGO & COMPANY (NV)

I have an inquiry on my credit report from Wells Fargo Education Services in XX/XX/2019. I use XXXX XXXX XXXX to pay for school. I did not make this inquiry and I would like it to be removed from my credit report.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I can not log into my Equifax " myEquifax.com '' account due to a technical problem with my online account. That is what I have been told by Equifax. As a result I am unable to access my credit information or freeze/unfreeze my credit when I need to. Equifax WILL NOT fix the problem. I have been trying to get them to do so for over a year. In XXXX I filed a complaint with your Bureau ( XXXX ). Equifax responded with a useless reply that had nothing to do with the issue. I replied to the response on your website clearly stating that Equifax 's response was inadequate. You then closed the complaint. So apparently no one at your Bureau read Equifax 's or my response. So I started all over again with Equifax. Once again, after hours of trying I got an Equifax agent on the phone who told me there is a technical problem with my log-in. She said that she would have tech service contact me within 4 business days. That was 2 weeks ago and of course they never contacted me. Equifax just will not help me. And your Bureau hasn't helped me either. I don't know where else to turn. I don't know what to do. WILL YOU PLEASE HELP ME?
Consumer complaint received 2020-09-12
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. (DE)

I have some accounts that have not been updating on my Equifax credit report. The information has been updating with the other two bureaus but Equifax has been stagnant for months. Ive contacted the creditors and they have advised me that they hav been reporting the info to the bureau. I am being held up with trying to get a mortgage because nothing is being updated on this one credit report. These accounts are the ones that has not been updated in months : XXXX XXXX XXXX Has not been updated since XX/XX/2020 and it has on my other two reports XXXX XXXX XXXX has not been updated since XXXX and XX/XX/2020 and they are the one that have told me they have provided the info to Equifax to update. 

There is a address that went through the process of getting removed and its still showing on there- XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I spoke with Nelnet about requesting a refund. I have not received any information from them in 5 weeks regarding what the status is or when I should be getting a refund for payments I made that I requested to be refunded.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I received an email stating that PayPal has permanently suspended my account. I have searched and found out that there are no options for account restoration available to me through PayPal 's website. There is is no explanation whatsoever for why is the accounted suspended by paypal. Immediately prior to being suspended I was selling on XXXX  with a 100 % positive feedback from buyers. I also recently purchased a XXXX  XXXX  XXXX  of XXXX of XXXX XXXX XXXX. My Supplier has shipped the order to the customers already but my funds are in HOLD in paypal. I'm unable to pay the supplier now, which is heavily negatively effecting my reputation as a seller on XXXX  and the relation with the supplier for XXXX business. 
Along with the account suspension my funds are on hold for 180 days. Evidently, This includes the ability to pay my suppliers to ship the pending orders. It will lead to angry customers making charge backs. It will cost me big. 

Paypal Case ID ( Ref ID - XXXX )
Consumer complaint received 2020-07-18
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : 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 2020-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (NJ)

I'm creating this with regards to a charge on my Chase credit card from XX/XX/20 for {$2800.00}. I have tried twice to resolve this dispute with Chase but have not been refunded. I have provided proof that the party I transacted with still has all of my funds and has not provided their service ( travel agent ). I provided proof of trying to reach the vendor on the phone, email chains between the vendor, myself and the resort I was to stay with and the fact that the travel agent 's own website states to reach out to the credit card to process a refund as the travel agent has laid off their staff due to COVID and are unable to process it on their end.