davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

In one month ( XX/XX/XXXX ) our investment home will be paid off, yet Wells Fargo still will not drop the PMI that is attached to this loan. I talked to someone at XXXX XXXX and they said the PMI should have dropped off when the loan reached 65 %. We never got a letter from Wells Fargo stating we had reached that threshold and I have called numerous times to ask why we didnt get a letter. I have also called numerous times to ask why the PMI didnt drop off automatically when we reached the required threshold. We were told this loan is set up to never have the PMI dropped. I told them this is against the Homeowners Proection Act of XX/XX/XXXX, but they are standing firm that is stays on for the life of the loan, Now they are suggesting that we get a BPO or Appraisal done, but that is pointless when we will have the house paid for in one month. Wells Fargo should not be allowed to keep the PMI money from the 65 % threshold to now-thats wrong and totally goes against our signed contact and the Protection Act.We are getting no where with them and need additional help, please.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (PA)

Fraudulent activity was made through my account, and my accounts were depleted. The bank was notified as soon as this occurred but took no action to protect my account. A police report was filed. The bank refused to discuss the fraud and told me to contact the bank that caused fraudulent activity on my account. I contacted the bank and a representative reported that the bank that had my account had to initiate the contact. When I contacted my bank a representative told me to contact the company who issued a fraudulent charge. In essence, I have been given a runaround for a year. Now the bank has contacted me, instead of the bank that depleted my account, with a collection notice. I believe both banks are at fault and should be charged with fraud related to elderly persons. Today, I read on a website that this occurs in other states.What can really be done to have this fixed? I am receiving collection bills for fraudulent activity.
Consumer complaint received 2021-08-07
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. (NJ)

I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.
Consumer complaint received 2021-02-24
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: Bliksum, LLC (CA)

Loanme Inc, originated a loan in XXXX with me when they were not licensed under California XXXX XXXX to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, Loanme inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a Loanme supervisor, the lates of XXXX were to be removed. I've attempted to resolve with Loanme and XXXX  to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.
Consumer complaint received 2021-02-24
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. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

5. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credits, Incorporated (OR)

Credits inc. have been garnishing me for months and have took thousands! I know for a fact that multiple judgements are lumped together and I have no way of disputing any of them! I dont know what Im getting garnished for and. I body will tell me anything. I can not support my family! I cant get on food stamps, I cant get supplemental ANYTHING. Im robbing XXXX to pay XXXX. My home was in foreclosure and Im starting to loose my everything. Please, agreement other than them stealing what I work hard for, food off my table, clothes off my kids backs! I need help.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

Trip paid to XXXX XXXX in the amount of {$3000.00} on XXXX XXXX 2020. Trip was cancelled by merchant ( XXXX  XXXX ) prior to trip departure date. 
Merchant cancel date : XX/XX/2020 XXXX dates paid for : XX/XX/XXXX - XX/XX/2020 XXXX services were rendered by the merchant. Refund requested but merchant would not provide refund for services not rendered. 
I contacted my credit card company, Barclays - XXXX XXXX XXXX XXXX Mastercard and discussed the dispute. 
I was informed to fax and mail in documentation. Documentation faxed XX/XX/2020 and put in USPS same day. 

I recently received an outcome letter that " they are unable to pursue credit on my behalf and that the merchant would be issuing a future travel credit. '' This is unacceptable. The merchant violated the contract by cancelling/not rendering services on the contracted date. My credit card company is not acting on my behalf in rectifying this billing dispute. This was a family trip. My sister, who filed a dispute through XXXX XXXX, has already received her refund. 
No manager is available to assist with dispute at Barclays - XXXX XXXX XXXX XXXX Mastercard and there is an estimation that I would receive a call from Barclays - XXXX XXXX XXXX XXXX Mastercard in 5-10 business days. Barclays - XXXX XXXX XXXX XXXX Mastercard is not resolving the issue with the XXXX XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

After the Equifax breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.
Consumer complaint received 2020-11-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Russell P Goldman PC (NJ)

On Monday XX/XX/2020 I was contacted by Russel P. Goldman P.C. about a debt collection for private student loans from XXXX, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and Russel P. Goldman refused to work out a reasonable payment plan. Also on the XXXX website it states " During the pandemic emergency, XXXX instructed its private collection attorneys to suspend involuntary collection activities related to defaulted XXXX loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted XXXX account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted XXXX loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.
Consumer complaint received 2020-05-26
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: CHECK INTO CASH INC. (IA)

In XXXX, I had taken out a payday loan with Check into Cash. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my XXXX report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from Check Into Cash. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on XXXX 's end. I contacted XXXX and they wanted a letter from Check Into Cash stating the inquiries should not be hard. Check into cash sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there. 
This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I filed for unemployment during the time i enter the wrong address actually the wrong City and zip. So I never still until this day have not gotten a Card from U.S. Bank Relia Card from Work Force Commission. When I Applied i put my address as XXXX XXXX XXXX XX/XX/XXXX XXXX but should of BEEN XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I have called someone called back stated someone would contact me but still as of today no one has called. Then I have sent 1 letter to Card services XXXX XXXX XXXX Receipt number XXXX XXXX XXXX XXXX XXXX still have not heard nothing. 1 to XXXX XX/XX/XXXX receipt number XXXX XXXX XXXX XXXX XXXX but still have not heard nothing from them. I have been checking and since a changed my status to direct deposit i now have been getting deposit in my bank. But I still have my money total of {$5800.00}. I can not get access to. I really need it to get caught up on my bill. The land lord only holding off due to I let him hear that my funds are still on my card. Please help me. 

XXXX XXXX XXXX XX/XX/XXXX ID # XXXX last XXXX XXXX XXXX Phone # XXXX
Consumer complaint received 2019-02-20
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. (NV)

On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Consumer complaint received 2019-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Last year, we had two significant hailstorms, and my house required substantial repairs. My insurance company paid for the repairs but required my mortgage company to co-sign on my check. I sent them three checks valued at : {$1400.00}, {$2800.00}, and {$23000.00}. They withheld 10 % of the total value of my claim ( {$4700.00} ) until the work was 90 % complete. They must inspect all work before they disperse portions of your insurance check. Several of my fellow soldiers on XXXX XXXX warned me that this company was taking their money and placing it an interest-bearing account then refusing to disperse the money when the work was complete. 
On XX/XX/2019, we contacted LoanCare to get an inspector to my home. They failed to send an inspector for nearly two months and refused to allow me to speak to a supervisor. I've requested an inspector every week since and to talk to a supervisor and they continue to ignore my requests. They typically say, " it's been escalated, '' or " there's no supervisor available you one to call in 48 hours '', and " the vendor hasn't responded. '' Despite my frequent requests, there has been no inspection scheduled, no supervisor has ever contacted me, and the remaining funds have not been released. I need to pay my contractors and shouldn't suffer consequences because of the company 's inability to assign an inspector.
Consumer complaint received 2021-01-22
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. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XX/XX/XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-05-26
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. (FL)

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on Equifax and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (GA)

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 an account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I have attempted on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX to try to put a freeze on my credit report with Equifax following their data breach, and whenever I go through their online application I get a message upon completion that there is a system error # 500 and that I should try again later. I have implemented freezes with XXXX and XXXX with no problem, but Equifax is none responsive. I 've also tried their call center, but their emergency call center simply has referred me to another center where I am put on endless hold. 

Particularly in light of their data breach there should be some vehicle for implementing freezes on Equifax accounts, or simply a requirement that Equifax be prohibited from providing credit reports until their systems for implementing freezes are available to all customers.