davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (DC)

I paid off a home equity credit line when I sold the property. Loancare received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through XXXX as well as a number of email and phone communications with Loancare directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. XXXX refuses to change the data, even after requiring me to send proof of the payment and closed account status. Loancare says they informed XXXX in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. XXXX says they have to go by what Loancare says because they don't know if I submitted fraudulent docs. Loancare says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (NY)

either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. 

Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. 
If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. 
Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. 


Your PNC credit card statement ending in XXXX is available. 
Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. 
Thank you for banking with PNC Bank. 
This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. 
Visit pnc.com to view our privacy and security policies. 

XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N )
Consumer complaint received 2020-01-22
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. (SC)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.
Consumer complaint received 2023-02-11
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: ID Analytics, Inc. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I have never lived at XXXX XXXX XXXX, Never lived at XXXX XXXX XXXX, XXXX XXXX CA. I have never worked at XXXX XXXX XXXX ... ..I would like all this taken off my credit. Thank XXXX XXXX
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

I have been trying for 3 days to get 2 principal payments on a brand new loan, first payment not due until XX/XX/2021, applied to no avail. A {$5000.00} payment sent and received via email on XXXXwas misapplied and they still do not have it corrected after a minimum of XXXX phone calls and XXXX different levels of escalation. A second wire of {$470000.00} sent and received on XX/XX/2021 that they still have sitting in suspense although I have provided them the wire confirmation. They are now telling me an XXXXxecutive escalation manager has to be assigned and they will call me and then begin working on the issue. They will not tell me when it will be resolved and XXXX employee number XXXX refused to give me her manager, stating first she did not have one, then one was not available when I pressed the issue. 

I have been given nothing but a run around while they play with our money. I did inform them we are entitled to inters from that money until it is applies correctly.
Consumer complaint received 2018-02-06
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. (GA)

XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you
Consumer complaint received 2019-03-30
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. (MN)

I'm disputing the following accounts that's reporting on my credit report. The US Dept Of Education has 4 reporting accounts inwhich I have no knowledge of. There's also a MN XXXX XXXX {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them immediately.
Consumer complaint received 2018-02-06
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)

I submitted a dispute to the following credit Agency : Equifax They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXX was their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX for a medical debt reporting in XX/XX/XXXX.

I called the XXXX XXXX before submitted the original request through Equifax and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with Equifax and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with Equifax is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  report does not show item or address.

My XXXX  report does not show item or address
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (MD)

State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Consumer complaint received 2021-01-27
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. (TX)

XXXX XXXX illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.
Consumer complaint received 2018-02-06
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. (NJ)

Dear Sir / Madam, I had initiated a dispute ( Confirmation Number XXXX ) regarding the fraudulent XXXX account ending in XXXX with your Company. It has been over 30 days and the account is being reported by Equifax alternatively as " CLOSED AT CONSUMER REQUEST '' & " CLOSED BY GRANTOR '', I understand.In fact I have nothing to do with this account ending in XXXX from XXXX as XXXX setup this account without my consent. XXXX has been sullying my good reputation by allowing the fraudulent establishment of this account in XX/XX/XXXX and reporting it. XXXX and XXXX have already blocked the XXXX account permanently.This account must be blocked by Equifax. I am filing this complaint to seek permanent blockage of this account and furthermore Equifax must not report any XXXX account with opening date of XX/XX/XXXX. This is one last time I am earnestly pleading with Equifax and I sincerely hope that Equifax will honor my request to permanently block XXXX account ending in XXXX with opening date of XX/XX/XXXX. If this request is not honored by Equifax, I will have no option but to explore pursuing legal remedies, due to the XXXX  and reputation damage I am suffering at the hands of Equifax. I have attached the FTC complaint, police report and my earlier letters to Equifax as required by FCRA 605 B. I am  hopeful that Equifax would block XXXX account permanently adhering to FCRA. Thank You.
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OR)

I recently ( XX/XX/XXXX ) applied for a private XXXX student loan through XXXX XXXX and was denied. In the document they provided that gave their reason for denial ( XX/XX/XXXX ) they said it was because I had a delinquent student loan. 

Upon further inspection I saw that Navient ( under the name XXXX XXXX ) was reporting that I was in default on my student loan from my XXXX in XX/XX/XXXX. I did go into default on my student loan around XX/XX/XXXX because of XXXX  XXXX diagnoses and some rough financial hurdles. However, I did the one time rehab program and got out of default and am now on IBR. I have made payments in the past through IBR, but since I am a XXXX XXXX now it is in deferment. This is through XXXX, they have all my loan info now, and I am in good standing with them. 

Unfortunately, I hadn't really looked at my credit report before, because of that whole getting XXXX three times between XXXX and XXXX years old. XXXX put me in a very deep hole that I have been working very hard to get out of. I thought I had bad credit because of that. And it wasn't until around XXXX that I even felt I had a handle on things again. I just got my first credit card in many years, I had always been denied in the past. It turns out that ever since XX/XX/XXXX I've had this huge student loan sitting on my credit report when it shouldn't have been. And I never even realized it. 

I would really like to get some help with XXXX  school, so currently this being on my credit report is a problem. I've called Navient several times and their automated message recording shuts me out every time. It says something like, you've made too many attempts, and then hangs up. 

I've also filed a credit report dispute with them through XXXX. I don't really know what else to do at this point. 

God, and PS, look at that statement screenshot from XXXX ( showing the same loan that Navient ( under the name XXXX XXXX ) is reporting as deliquent ). It shows the same original loan amount and the amount of interest I have now. Is {$20000.00} in interest normal? XXXX.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I never received any communications from the collection company IC Systems that I owed money to XXXX. They just sent to to collections saying I owed XXXX {$110.00}. As soon as I seen the collections I immediately paid XXXX {$110.00} because I had no information from IC Systems. The following month my collection report showed that I owed {$25.00} to IC Systems on behalf of XXXX, so I paid the additional {$25.00} directly to XXXX. That was about 3 months ago and it still shows that I owe {$25.00}, I think they will continue to say I owe money to keep getting extra funds from me.
Consumer complaint received 2018-10-19
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)

What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (IN)

There was a complaint before but you sent the complaint to the wrong company. I filed a new complaint by phone in XXXX of last year but the complaint has been lost. The is a Bond Instrument from my former employer XXXX XXXX and Barclays PLC was the issuer. XXXX XXXX XXXX is the broker. Barclays has hired outside counsel and has admitted the bond is mine but they can not act for me. Financial Ombudsman has stated that this Bond was recorded incorrectly and looks like it is being held at a company XXXX XXXX which may be a fake company to hide the funds. The SEC, OCC, FTC< resolver, and Financial Ombudsman are involved with this matter. I am asking for this complaint to be sent to the correct company at Barclays PLC and their attorney. I have additional information I need to provide to you.
Consumer complaint received 2021-08-11
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. (TX)

I have XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys.

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC. (MO)

In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years  now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.