davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2020-06-05
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. (NY)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

As of XX/XX/XXXX, I have not received the {$400.00} bonus for opening a checking account on XX/XX/XXXX even though the below requirements have been met. 


Within 150 days of account opening, set up and receive at least three consecutive monthly direct deposits of {$3000.00} each month. 

The below non eligible items do not apply in my case : You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You are a Wells Fargo team member You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (FL)

In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( Affirm affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never did. Affirms policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and 3 of the 4 payments were returned. Affirm then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe Affirm twice what Affirm says I owe them. 

I followed Affirms policy and Im being asked to pay for a product I never received nor was fully refunded.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

My issues are with Equifax. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Equifax credit score. 
00039 Serious delinquency Note : According to Equifax reporting on XXXX XXXX, " You have a stellar payment history! 100 % '' 00010 Ratio of balance to limit on bank revolving or other rev accts too high Note : According to Equifax reporting on XXXX XXXX, " You aren't using too much of your credit card limits. 1 % used. '' 00014 Length of time accounts have been established Note : According to Equifax reporting on XXXX XXXX, " Your oldest account is 4 years, 7 months old. Your credit history looks pretty new. '' 00006 Too many consumer finance company accounts Note : According to Equifax reporting on XXXX XXXX, " There's a solid number of accounts on your report. You have XXXX. '' Note : There is a XXXX XXXX XXXX XXXX account which I have strenuously disputed for a number of years under closed accounts. That account is due to fall off the Equifax credit report this year. I am requesting the account be eliminated from my Equifax Credit report and a rapid recalculation occur using accurate and updated reporting. 
Note : I previously sent Equifax legal court documents reflecting my name, XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX and all derivatives be stricken from my credit report. No one is reporting credit activity under XXXX XXXX XXXX or derivative and the name should be permanently stricken.
Consumer complaint received 2022-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My complaint is with NAVIENT. My loan started with Sallie Mae then later NAVIENT. XXXX XXXX XXXX XXXX XXXX and Told me to get an XXXX Loan I had to get another loan after XXXX XXXX extended my course curriculum. I didn't have enough to cover the extended courses which they said was required to complete my degree. The courses took six months to complete. They said I could get an XXXX loan to cover the additional expenses which I did in order to complete my courses and graduate. I graduated with a XXXX XXXX XXXX in XXXX. When I graduated, I owed {$90000.00}. In student loan debt. I was told it would be about {$60000.00}. When I enrolled. I am glad I completed my education, but I don't think I was fairly charged. XXXX used aggressive marketing and high-pressured sales tactics to falsely convince students they will have a successful career. Now Navient is forcing me to pay. The loan was for {$11000.00}. and to date, I have paid them more than {$14000.00}. Navient was sued and court ordered to forgive the loans from predatory for-profit schools but they are not doing that for my loans. 

According to the class-action law suit " Navient allegedly made these risky subprime loans as an inducement to get schools to use Navient as a preferred lender for highly-profitable federal and prime private loans, without regard. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION (MA)

XXXX  has been non-compliant with removing the unverified account BB & T Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP (CT)

Funds are electronically transferred into. Key Bank checking account on the XXXX of each month. Key Bank posts the fund up to 5 days late if it is aFriday and a Holiday weekend. 
This has generated overdraft fees in XXXX of $ XXXX dollars and in XXXX of $ XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Upon checking my credit report, I noticed these inquiries that I do not recognize, I would like them to be removed immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

In XXXX of 2020, I applied for a refinance loan through Quicken Loans. I was told by the loan officer that I was approved. Quicken Loans sent a Home Appraiser to my home to inspect and appraised. Quicken charged me {$500.00} ( which I eventually got back ). I filled out voluminous amounts of paper work which took my wife and I hours and then faxed over documents at night because " speed was of the utmost importance ''. I was on the phone with the gentleman 2-3 times a day and then ... ..nothing. Not even an email. I called and sent emails for days. Finally, a loan officer said that there was a mistake and I could not be approved at this time, but I could apply again in a few months. I asked to speak with the initial loan officer and they would not let me, They told me that it was a mistake on his part and would be taken care of " internally ''. I will NEVER contact this company again. I reported them to the XXXX  as well as the Michigan XXXX. I have no idea how they win XXXX XXXX awards. I no longer trust that company as well. In addition, I was repeatedly lied to by representatives of their company. When I brought this to their attention, they did not do ANYTHING, not even trying to make things right.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (NY)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (TN)

I have received phone calls from unidentified reps of D2 Management LLC, I only was made aware of the company name when I returned the call after I was repeatedly asked for personal information including DOB, SS # even my phone number after calling me. When I asked several times for them to identify themselves, their company, and the purpose of their call they refused
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has charged me over 1200 in Overdrafts in just 3 months. They would charge overdrafts on pending items, when cash was deposited same day. They would then hold checks whenever they felt like it. Then they started calling me daily on paying overdrawn account because I refuse to pay it. They have overcharged me an excessive amount of fees and I got tired of it. Since leaving that bank I have not been charged any fees or overdrafts as i have had direct deposit. The amount in over drafts of XXXX on some low dollar amounts is ridiculous also you can not charge OD 's on pending items which they did again and again I kept all the screen shots and emails with them. Then they would call and harass 10-12 times a day excessively Wells Fargo can stop calling me 10 times a day regarding my overdrafts. To date I have been charged a little over 1200 in fees from Wells Fargo and you harass me for overdraft at XXXX. You already profited over 800 on my account and that is a rip off. I will be sending all of this to the CFPB and printed it all out for them so they can see the 20 calls a day and how Wells charges and made it difficult to do anything having so much money charged and the small items I was charged XXXX. XXXX
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX 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 2022-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. Equifax needs to remove this account from my credit file immediately.
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (NV)

I sent a debt validation letter to the collection agency via certified mail and they REFUSED my letter. The company is : Plus Four Inc. 
XXXX XXXX XXXX XXXX XXXX, NV, XXXX
Consumer complaint received 2021-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I was contacted by PHEAA in regards to a wage garnishment placed on my paycheck due to outstanding debt XX/XX/2019. They said they were representing AES and the US department of Education in regards to my student loans and that to resolve " all '' of my student loan debt and it was all, I asked several times, I would need to complete an aggressive repayment plan which I completed. Before completion, I was informed by a different agency that all of my student loan debt wasn't included. I am now working with XXXX and XXXX to settle the debt I thought was already settled. I can pay the full rehabilitation needed to be paid in full to rectify credit standings with XXXX and XXXX. 
I was approved for a construction loan until this debt ( that I had aggressively paid on time through rehabilitation ) was flagged on a report. I am not saying I don't owe the debt. My issue is if I am told all my federal student loan debt was included by an acting representative of the US Dept of Education only to find out it is not, is fraudulent and very misleading. I have asked for guidance with this and have been sent to the various subsidiaries of US Dept of Education super conglomerate only becoming more confused. 
I am now paying 11 percent interest on a loan because I was unable to get a construction to mortgage loan, because I trusted the word of PHEAA and AES.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Since XXXX of 2022, I have been sending certified letter to Equifax, XXXX, and Equifax. There are inaccuracies on my report that are negatively affecting my report. I have asked Equifax and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. Equifax has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Consumer complaint received 2021-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (AZ)

I defaulted on my student loan and completed the loan rehabilitation process. On XX/XX/XXXX I logged into my account to see if there was a statement so I can start paying off the loan. I realized it said that the whole loan amount was due. I immediately called UAS and was told that they would reach out to a representative to inquire about a payment plan and to call back in a week if I havent received anything. I didnt hear back so I called back on XX/XX/XXXX to follow up and I was told that the representative still hadnt gotten back to them. I stated that I want to be on a payment plant because I do not want to default again. I was told that the only way to get on a payment plan was to fill out a financial hardship form which I submitted today XX/XX/XXXX, however my account is showing late charges and I have tried calling and am just on hold and am unable to speak with anyone.
Consumer complaint received 2022-10-26
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. (MI)

XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and XXXX discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.