davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.
Consumer complaint received 2018-09-06
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)

The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX XXXX XXXX made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

XXXX and XXXX Mortgage payments were marked as late when my account was in COVID forbearance. Payments were made ON TIME and held in a reserve account until underwriting completed loan update and applied funds to account. I was told by freedom mortgage no errors was made. I can NOT refinance because of 2 late payments on my credit report that needs to be removed so I can proceed with the process. 

Payments : XXXX XX/XX/2022 ; {$1300.00} XXXX XX/XX/2022 ; {$1300.00}
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CO)

Three attempts were made to obtain credit in my name using my social security number : XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022- XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022 Wells Fargo Bank XXXX - Account Opened I contacted all three financial institutions and verified that someone was fraudulently attempting to open accounts using my name and social security number. The accounts have been blocked and no financial loss has been incurred by me at this time. 
I was made aware of these attempts by two credit monitoring services that were provided to me due to security breaches at institutions I have dealt with in the past. I have frozen my credit report and placed fraud alerts with the three credit agencies.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE (GA)

1. The car was a lemon I put {$5000.00} down when I first bought the car, and it was returned within 6 months voluntary due to all the issues wrong with it.

2. It was later sold to auction but still showing as if I am missing payments and not actual amount after being sold.

3. I have contact the company and disputed the item on my report numerous times to be reported correctly and company refuses.

4. company has car but is reporting as if I still have the car
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. 

My name is XXXX XXXX XXXX with a different SS # and different birthdate. 

Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-21
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: LEXISNEXIS (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

We have been attempting to set up automatic payments to PNC Bank on Home Equity loan # XXXX. We previously had this set up but stopped when we experienced a drop in income for VA Disability. After a 19 month battle the VA decided in our favor increased the monthly disability and paid a settlement to us. I have been trying to get PNC to reestablish autopayments but only get form letters. Critical information on our loan and property. Our 1rst Loan with PNC Mortgage is for {$500000.00}, this Home Equity is {$110000.00}. Per the PNC appraisal the home is only worth {$350000.00}. This debt was also discharged and not reaffirmed in my 2007 Chap XXXX Bankruptcy. PNC wrote off the debt. There is no equity for the PNC Bank Home Equity 2nd lien. Despite all of this we are willing to make payments via auto deduction but PNC employee 's don't know how to assist. We ask PNC to reestablish the auto payments or completely forgive the loan and release the lien on the property
Consumer complaint received 2018-09-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (NJ)

Dear Madam or Sir, After the passing of my mother, XXXX XXXX XXXX, My sister, XXXX XXXX, presented to Suntrust Bank, XXXX  branch a death certificate early inXX/XX/XXXX. At that time, my sister received her half of my mother 's account balances. As per the instruction of Ms. XXXX XXXX ( XXXX ) of the XXXX   Branch, I submitted a letter to SunTrust Bank, Account Closure Team on XX/XX/2018 to close my mother 's account. As per her instructions, I did not need a notarized letter because my mother 's combined accounts were less than {$25000.00}. I then received a letter from the account closure team indicating that I did need to send a notarized letter. I mailed the notarized letter back to them on XX/XX/XXXX ( overnight ) and it was received XX/XX/XXXX at XXXX in the morning per the post office.

As of today,XX/XX/XXXX I still have not received any check from my mother 's accounts ( XXXX and XXXX ). I have called, emailed, etc. XXXX XXXX several times ( and spoke to her manager ). I was told that they could only email the account closure team and that there was no phone number for myself or them to call to follow up. I spoke last with XXXX XXXX last week Friday,XX/XX/XXXXand was told that it appeared the accounts were closed on Thursday the XXXX. Again as of today, I still have not received a check and what is frustrating is that the XXXX   phone number is merely a call center that is unable to help and the branch where my mother banked claims that they have no phone number to provide me to follow up.

I am very frustrated because I can't plan a memorial for my mother until I receive this money. I am also upset with the lack of customer service available to me to resolve this issue. Please help me.

The Account Closure Team is located in XXXX,   TN.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-21
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. (ND)

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and Equifax credit report. Incorrect inquiries on my XXXX is XXXX  XX/XX/XXXX. 
Incorrect Equifax inquiries are XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXXXXXX XXXX XXXX is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Consumer complaint received 2020-06-15
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$3200.00}
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KS)

About a month ago I went to Chase Bank located in XXXX Kansas I was asked to present XXXX forms of ID in order for them to call a number so that they can release the funds that were owed to me that were being held in their holds suspension Department I call today XX/XX/XXXX and ask about the check that I was supposed to receive they have told me that I will have to go all the way up to the bank again represent XXXX forms of ID again in order for them to release the check that should have been done weeks ago I would like something done about this I would like for them to pay me double for the XXXX months I've had to wait and I would like the teller who helped me I don't know his name but I will recognize his face I would like him fired
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

XX/XX/XXXX tell XX/XX/XXXX My student loan from Navient Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed Navient Department School Loan and I have proof of the email as well, and also a email with a response back from Navient Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX year XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from Navient is showing Delinquent by 120 days. 

I then again had contacted Navient, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX   Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including XXXX, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

On XX/XX/XXXX, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX  couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX  shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i do
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M.L. Zager P.C. (NY)

In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX   tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.