davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX 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 to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MO)

The JP Morgan/Chase statements were not being sent to our new address. We moved from XXXX XXXX to XXXX XXXX, MO. We notified them via mail and they did not respond. As a result, we could not pay the bill. We then decided to reestablish our mail box in XXXX XXXX because we were not getting our forwarded mail. That is when we finally started getting the statements and realized they had not been paid. Even when I called JPM/Chase, they still had the address wrong. They are currently reporting this as an error on my credit.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

Ally financial has not sent the lien release or the title to my new lender which is XXXX XXXX XXXX XXXX. 

Loan was paid off on XX/XX/2020 One representative said it was sent to XXXX XXXX  on XX/XX/2020 Second representative advised it was sent on XX/XX/2020. 

All representatives have advised that they will not provide me copies. 

I was advised that a paid in full letter was sent to myself on XX/XX/2020. per XXXX. 

It was also not received. All information appears to indicate that ally is not telling the truth about releasing the documents. Online account shows that the Title/release of lien has not been completed.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (KS)

PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. 

Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. 

Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. 

Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. 

It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....
Consumer complaint received 2020-07-20
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)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (VA)

Credit card account Barclays open over 29 years ago. Excellent payment history. Attempted to make a payment in XX/XX/2020 for XX/XX/2020, using online service. Could not access account, it did not show up anywhere under my name, made numerous phone calls but could not speak with anyone in person and still can not. Recorded message says to access account and send message there. Had to go to another account with same company to get in touch at all. Sent message stating that account was not showing up, kept trying to call, to no avail. Mailed letter, no response. Stopped receiving any statements in any form as of XX/XX/2020. Checked with credit reporting agencies and it showed account closed by grantor, no explanation. Continued since XX/XX/2020 to send messages through the secure messaging. Finally on XX/XX/2020 I received a letter from a collection agency stating the account had be3n placed with them, so on, no balance shown or dates etc. Then going back found one response stating that it was included in a bankruptcy. And notations had been made on the account and I could not use or access information on the account. Had no way to get in touch about this. First and foremost I have never filed bankruptcy, and I am sole owner of the account. My wife filed for Chapter XXXX in XXXX of this year but she was absolutely not an owner, just an authorized user. She has verified this was not listed in her bankruptcy and her lawyer agrees. As of now, this is showing past due on my credit report, turned over to collections and I have tried at least 30 times to get access so that I could make my on time payments as I had always done. There will be another complaint against the collection agency, with an additional major complaint concerning discussion of this matter in great length with a third party without my permission. I have left messages for the collection agency and their Customer Support Unit, since XX/XX/2020 and they will not respond. My messages only asked that they call me ASAP.
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. (FL)

I sent letters on XX/XX/XXXX, which XXXX  received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NM)

Citibank Decreased my limit by over {$2100.00} and has caused my card to be maxed out and thus causing my credit score to drop a lot. 
I have never missed a payment. I have never been late on a payment. In fact my payments are usually higher than the minimum due. 
My credit score will take 3 or mores years to repair from this. what can I do about this
Consumer complaint received 2021-01-24
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)

XX/XX/2016 Amount : {$180.00} Action Taken : I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste.
Consumer complaint received 2020-12-04
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. (MS)

I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available
Consumer complaint received 2022-08-05
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. (CT)

Hello On XX/XX/XXXX I sent out a letter to XXXX, Equifax, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Consumer complaint received 2021-01-24
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. (OH)

This company has failed to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that fails to provide verifiable information or the original consumer contract to the account ( s ) they are reporting, those account ( s ) must be deleted from a consumer 's credit report immediately. In addition to that, if a credit bureau is unable to verify information or response to a disputed item within 30 days, they must delete those disputed items immediately off of a consumer 's report.
Consumer complaint received 2021-04-07
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. (GA)

In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.
Consumer complaint received 2022-10-04
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. (MI)

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX milestone account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc (SC)

XXXX XXXX never sent notification of a debt owed. The first communication received was from Biehl & Biehl, a debt collector. The amonut owed was outrageous and was fraudulent. There was a discounted rate on the original shipment that they did not honor when it was rebilled UPS freight was contacted and I was referred to the billing department who was supposed to correct this and forward me a bill in the correct amount. The case with Biehl & Biehl should have been closed by XXXX XXXX.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (KS)

I needed the funds from my PNC accounts I had both a checking and a savings account. I called on XXXX and spoke with an agent that promised to close my accounts but told me there would be a single {$25.00} fee. The agent told me they could file a dispute on my behalf to get the fee waived. On XXXX I called again because only one account was closed. Again the agent told me I would be charged a {$25.00} fee to close the second account but that they would get a manager to waive the fee. I was assessed a second fee. I called on XXXX and spoke to a manager who told me the fee could not be waived. I was contacted by a department within PNC who reiterated they would not refund my fee. The last representative I spoke to, XXXX XXXX, confirmed that my accounts carried no minimum balance requirements. The two customer service agents each had the opportunity to help me get my money without charging me the fee, both agents implicitly promised me I would be able to get the fee waived, and no one at PNC has been helpful at recouping the money erroneously charged in fees.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MO)

I have been receiving this robo call in frequently since XX/XX/XXXX " Dear customer, this XXXX from Amazon there is a disputed charge on your Amazon account for {$720.00} in XXXX, Ohio. Please dial one to speak to a representative " This number is always a spoofed number starting with ( XXXX ) XXXX. I have pushed one and asked to be removed from their call list at least 2 times. StartingXX/XX/2021 at XXXX these calls increased in frequency to about every 15 mins to currently every 5 mins. I have pushed 1 and asked repeatedly for the calls to stop. The last time I pressed 1 to speak with someone there was a threat on my life " to put a XXXX  in me and XXXX me up. '' One of the calls that came through was not hidden. The number XXXX from XXXX
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (WA)

Dating back to XX/XX/2020 I have been trying to register my vehicle in WA as a new WA resident. 
To complete this process I requested that the lienholder on my vehicle, Chase Auto initiate a title update process to title the vehicle in WA so I can proceed with obtaining a WA registration. 
Chase verbally confirmed that they had initiated the title update process on the phone repeatedly through the month of XXXX and provided a completion date of XX/XX/XXXX. The vehicle 's registration in California expires in XXXX, so completing the registration process by XXXX is essential to make sure the vehicle remains legal to operate. 
During the last week of XXXX, not having received an update from Chase about perfecting the title we found out on the phone that the title to the vehicle was lost. Chase representatives made no indication of what measures had been taken to procure a replacement title. 
On the XXXX of XXXX I paid the remaining balance on the vehicle in full. Once the payment cleared I requested an update on the title recovery process and again was not able to tell what steps had been taken. At that time I requested that they expedite recovering the lost title and perfecting it to my name since the registration would expire in the next month. I was told that they would look into the request and set an expected completion of XX/XX/XXXX. When I asked what would be complete by XX/XX/XXXX the Chase representative was vague and told me they had an internal estimate for completing the title transfer but would not share that information with me. 

My complaint is Chase Auto has been negligent in processing title paperwork, losing the title and placing me, the consumer, in a position where I risk being unable to legally drive my vehicle. Additionally, their refusal to inform me about what steps are made and when regarding the title perfection as the vehicle registration expires amounts to a refusal to release the lien from the vehicle upon my completion of payments.
Consumer complaint received 2021-05-20
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 — Their investigation did not fix an error on your report
Company: Recovery Ace Inc (CO)

was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Consumer complaint received 2021-11-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (TX)

Sallie Mae representatives, despite me being current on my loan, have been harassing my mother, her boyfriend, her boyfriend 's parents, and his brother 's in-laws, regarding my status and personal information. Completely unacceptable as I do not even have contact with these people and the latter I never even met. They ask about my personal information, They constantly call all hours of the day, including their at place of employment where they requested that stop.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I bough tickets on XXXX XXXX for XXXX XXXX XXXX XX/XX/XXXX. Suppose to be verified seller, I than sent money through Zelle for tickets and the person disappeared
Consumer complaint received 2020-07-20
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. (MO)

I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHLDSUPPORT  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX  XXXX {$770.00} CHLD SUPPORT XXXX {$5200.00}