davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
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)

On XX/XX/XXXX, I wrote to XXXX  to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit  card accounts. My credit report showed that I was late on my XXXX XXXX credit card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX, Equifax, and XXXX, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TN)

Bill for XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX TN was paid by XXXX confirmation from XXXX XXXX XXXX confirms this I was sent a debt collection for this bill Online reviews and speaking with the front reception of this practice confirms this is an extensive problem for this practice The administration information was not publicallly accessible I did obtain at the office the CEO and managers names and contact e mail This is fraudulent practice going beyond this XXXX incident
Consumer complaint received 2020-10-30
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. (NJ)

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.
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: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX  Opened XXXX {$840.00} 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 a account without my written instructions
Consumer complaint received 2018-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AL)

Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NY)

M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment. 

I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

My account with citi bank was closed on XX/XX/2020 with a remaining balance of XXXX in my account almost two months later and I have still not received a check with my funds I have called multiple times since XXXX I have visited two different branches and no one is able to help me or give me a date when I should receive my funds
Consumer complaint received 2020-05-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In XXXX of XXXX I disputed a claim in the amount of {$1800.00} from Hunter Warfield and  asked them for documentation as to how it belonged to me - they removed the collection claim from my profile within 30 days and sent me an apology letter. They then added the same claim back to my credit profile in XXXX of XXXX which I disputed directly with the credit bureaus - this claim was removed again within 30 days. They have now for the 3rd time added a collection account to my XXXX profile in XXXX of XXXX which they know is illegal. 

Please handle this, I will also be looking into action I can take now due the repetitive harrassment. 

1 collection account Total balance : {$1800.00} HUNTER WARFIELD Original creditor : XXXX {$1800.00} Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney
Consumer complaint received 2020-05-31
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. (NV)

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and XXXX  updated my personal information based on the proof I sent. However, Equifax didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in mid-XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Consumer complaint received 2020-05-31
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. (VA)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-04-29
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-25
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. (FL)

On XX/XX/2020, A charge-Off placed by XXXX/XXXX   was Disputed and removed from my XXXX XXXX credit report. Unfortunately, XXXX and Equifax are still showing this charge-off on their reports.
Consumer complaint received 2020-11-15
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. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and Equifax is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX and Equifax is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2018-07-03
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. (TX)

Ive notified Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Equifax only sent me a credit report stating that the accounts were verified. The FCRA says that XXXX has to provide me with the information used to verify the accounts in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Equifax has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2020-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo accepted my application for Paycheck Protection Plan, after months of waiting, I finally received an email asking me to take a lessor amount for my original amount may not be approved, weeks later I receive an email to electronically sign my Promissory Note for the original amount requested. Nevertheless, 24 hours later I got a wire transfer into my account for less than I had signed the promissory note for, I call customer service and was transferred around for about an hour of waiting on each transfer to talk to a different person. I was finally told to file a complaint with customer care and was transfer, the individual took my statement and said he'd get back to me within 48 hours with a solution to my shortage of money problem. I waited for 4 days and called customer care again and this time it got escalated to upper management with yet no answer for why I was shorted, so again I got transferred to XXXX in Customer Care, whom took my complaint, but went the extra mile to get XXXX from the lending department on the phone. XXXX was passive and said you got what you agreed to referring to the email I had gotten several weeks before the promissory note. He asked for 48 hours to get directions on how to cancel my promissory note without fulling the obligation owed to me via my signed Promissory Note from Wells Fargo that had XXXX Managers signature on it.
Consumer complaint received 2018-07-03
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)

XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Fraudulent online transactions occurred to our checking account by use of our debit card number # XXXX : To : XXXX XXXX Date : XXXX/XXXX/2022 Amount : {$1900.00} Time : XXXX To : XXXX XXXX Date XXXX/XXXX/2022 Amount : {$3.00} Time : XXXX I filed a claim for fraudulent transactions XX/XX/2022. XXXX XXXX amount refunded by Citibank. XXXX XXXX transaction claim has been appealed twice and denied twice.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I called Navient on XX/XX/2018, to inquire about my account. I was about to make a payment of {$110.00} and noticed it defaulted. That was a surprise because about a month ago, XX/XX/2018, my husband and I called Navient to make a payment. 
The rep ( I'll call her XXXX ) told us paying {$110.00} would put the account in good standing. 
The rep I spoke to on XX/XX/2018 ( I'll call her XXXX ), informed me saying " Yes, it was in good standing ... for XX/XX/XXXX. '' In short, though XXXX told me the payment would be fine and my account wouldn't be in default ( we asked at least 3 times to be sure ), it went to XX/XX/XXXX. Three days later, explained XXXX, my account defaulted for nonpayment. I told XXXX that had I known this, I would've paid for both months. XXXX didn't look to see if the conversation I had with XXXX was documented, I asked and she didn't respond. The only solution XXXX gave was to put my account in deferment. I refused because I knew Navient would tack on the interest on the back end. 
With only that solution, I told XXXX I'll still make a payment. XXXX then stated, " for the record XXXX XXXX will make a payment {$110.00}. XXXX for XX/XX/XXXX. '' I stated, " no, for the record, this payment I make is for XX/XX/XXXX. '' I contacted Navient 's Customer Service Advocate, but I haven't heard from them. I received an email from Navient giving me alternative options if I'm having trouble paying. 
I know I've got to pay this loan back and I'm willing to do so, but I'm tired of Navient continually giving me a hard time. Whenever I speak to a Navient customer service rep, it's like they have several different departments because they seem to keep no documentation ( though I know they do ) of the previous conversation I had with one of their reps. I'm told one thing by Navient 's reps and believe everything to be fine, but when I see my account messed up, I'll call and it's like I might as well have called a different student loan servicing company. 
I want this matter corrected, preferably putting my account back in good standing and not showing that I'm a month behind.