davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

Lexis Nexis did in fact report three incorrect accounts to the following companies : Data Verify, Net Credit, and XXXX XXXX XXXX XXXX XXXX. Please note that the list of companies is not complete, as it is impossible for me to know to all of the companies that received this false information from Nexis Lexis which was to deny my credit applications. Due to the lack of due diligence by Lexis Nexis, I have been put through undue mental and financial duress. Please see XXXX attached proof of such below labeled " Proof of Denial '' from when I was attempting to get a vehicle. 

Upon my recent attempt to purchase home, the process was halted when XXXX Judgments were reported to me by a potential lender ( see attached labeled " JUDGEMENTS '' ). My potential lender informed me that the information was sourced from a company called XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX, informed me that their information is sourced from Lexis Nexis. XXXX XXXX , of XXXX XXXX, also informed me that the information they receive is not " official '' and must verified before assumed to be accurate before it can be used as a basis to issue credit. 

I have attempted to reach out to Lexis Nexis to dispute this matter, but they have not responded. 

The following are disputes of Judgements that are falsely listed on my Nexis Lexis report and causes me Undue Financial & Mental duress. 

University XXXX XXXX # XXXX This account was resolved and removed in XXXX due to my XXXX veteran 's status, though Lexis Nexis claims that this account is in judgment status. I recently reached out to the University, and they supplied me a letter for evidence of this account being satisfied. ( See Attached Letter ) TD BANK> # XXXX This account belonged to my father, to whom we have the same name. He also passed away in XXXX of XXXX. Also, the case was dismissed XX/XX/XXXX ; which is well before Lexis Nexis listed this account as a judgement. ( See Attached Court Dismissal ) XXXX XXXX XXXX XXXX XXXX There is no evidence of this judgment and the Law Firm representing XXXX XXXX told me that they are not pursuing a Judgement. Also, XXXX XXXX also told me that they have no account, in my name, that is in judgment status. Please, send me a copy of the data that you used to verify that I have an actual judgement or remove this false information Without my knowledge or permission, Lexis Nexis has furnished in accurate information that has caused me Undue MentalXXXX  and Financial Duress. Lexis Nexis has added to life as a currently 100 % XXXX veteran. 

I have attached a copy of my military ID and also a copy of my social security card for identification verification. This is the only forms of identification that I have because I do not drive due to XXXX.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

On or about XX/XX/XXXX my wife and I made a mortgage application to refinance our existing mortgage with PNC Bank XXXX XXXX  for a lower interest rate. This process was over the phone and secure email out of PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX The Loan Officer : XXXX # XXXX XXXX XXXX XXXX To this Day XXXX XXXX, XXXX we do not know why PNC Bank N A refused to refinance our loan? 
After 6 months of back and forth for the ( same information ) documents over and over again needed to be submitted to close on the new mortgage, I suspected PNC was not going to close and fund the new mortgage. 
We made a new mortgage application at another national Bank and closed our new mortgage within 90 days with no request for money upfront. 
The Complaint : PNC Bank Charged us XXXX dollars on XX/XX/XXXX. I have requested a refund. As the Loan Officer stated many times the funds would be refunded at closing. The closing did not take place and no reason was given. The loan to value was very low and my current mortgage company did not require a property appraisal or any money upfront. 
I requested the refund in an email on XXXX XXXX XXXX To : XXXX XXXX and numerous times by phone. 
Please help me get the refund due us and hold PNC Bank accountable Thanks XXXX
Consumer complaint received 2017-06-08
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. (CA)

The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.
Consumer complaint received 2017-06-08
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. (GA)

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and Equifax has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by this company. Attorneys want to much money and NO ONE cares, within the governme nt or their agencies, that there is fraudulent info on my acct.
Consumer complaint received 2020-10-07
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. (FL)

id theft victim XXXX XXXX collection XXXX not mine Us bankruptcy Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX XXXX   never late
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JMS Associates, Inc. (FL)

Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have been enrolled in the Income-Based Repayment ( IBR ) program with American Education Services ( AES ) since  XXXX  and I am required to recertify annually for the program by submitting an application along with financial documents. This year, the re-certification process changed slightly and rather than submitting my application and financial information directly to my loan servicer ( AES ) as I have done every time in the past, I was instructed to " log into StudentLoans.gov to complete an IDR application, which will be forwarded to AES ''. I followed these instructions and completed the re-certification process, submitting my application and financial information, according to the directions provided at StudentLoans.gov on  XX/XX/2017 . On  XX/XX/2017 , I received an email letter from AES stating that Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Income-Based Repayment plan. Your new monthly payment of {$1100.00} is first due on  XX/XX/2017 . On the same day, I also received an additional email letter from AES stating that Interest has been capitalized on the loan ( s ) listed on the reverse side of this letter. This occurred because your forbearance, deferment, or grace period ended. The loans listed in both letters were the same loans.
Upon viewing this information, I made a call to AES about the loans in question and after a lengthy conversation with the representative, it was concluded by the representative that the address provided by StudentLoans.gov to mail my re-certification documentation was incorrect and instead appeared to be the address of their sister company and not AES. The address I was provided and mailed my documentation to was, FedLoan Servicing   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX  . The representative then provided a fax number and proper address for me to re-submit my information for review to which I promptly complied. However, due to this error, two events occurred which have negatively impacted me financially. First, all unpaid accrued interest on my student loans accumulated during the previous 4 years ( approx. {$4200.00} ) was capitalized on my student loans. Second, my loan payment due on  XX/XX/XXXX  increased dramatically to {$1100.00} from {$490.00} the prior month.
In addition, I take issue with the enormous amount of misinformation being provided by my loan servicer. According to their documents provided on  XX/XX/XXXX , my loans remain on the Income-Based Repayment plan to which a key benefit is deferment of interest capitalization, yet interest was capitalized on my student loans that very same day. Also, they stated that Your new monthly payment of {$1100.00} is first due on  XX/XX/XXXX , however the increase happened almost immediately with the increased payment being due on  XX/XX/XXXX 7, not  XX/XX/XXXX .
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

The name of the card is CareCredit. i used it for extensive dental work not covered by insurance. I bought the " protection plan '' because my husband was ill and I was afraid I may lose my job ( and him ). My husband did subsequently pass away and when I got my last bill, i realized there was more due than the promotions amount. I called and they said that is was interest and fees for the protection plan that amounted to {$1000.00}. They told me that I should have told them how much to apply when paying the bill, I always paid more than the minium. I was NOT told that when I applied for the protection plan. I feel this was deceptive, and that the fees are exorbinant. Can I get some relief from this excessive charge? This practice is unfair and deceptive.
Consumer complaint received 2023-02-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (WI)

There was a judgement for {$7300.00} from Honor Finance LLC on XX/XX/XXXX. Honor Finance LLC is no longer and existing company. Honor Finance LLC was indicted by the United States Department of Justice on XX/XX/XXXX and subsequently dissolved all it's assets as a legitimate business and company.
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Consumer complaint received 2017-06-08
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. (MS)

I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX
Consumer complaint received 2022-01-05
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. (AL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2017-06-08
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. (CA)

There is an account opened in the year   XXXX   by an unknown person. This is fraud and was opened by someone who applied for this credit and maintained the balance while using the account. I have attached a letter directly from the legal department of the company to confirm that they said they checked the signatures on the account compared to my driver license and they do not match. Therefore confirming that this was fraud. I am requesting removal of this item.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NC)

I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!
Consumer complaint received 2017-06-08
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. (CA)

This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.