davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (GA)

.I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need them removed asap. The accounts are listed here below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-01
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. (CA)

We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our XXXX account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, Equifax and XXXX credit reporting agencies
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MS SERVICES LLC (CA)

A couple of months ago. I contacted Mountain states collections company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted XXXX 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

I closed my citi priority checking account in XX/XX/2020 XXXX confirmation received and online access to that account was no longer available ). However, I keep on receiving mails claiming that I owe Citibank monthly service fees and overdraft fees.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

Synchrony failed to mail my vehicle title XXXX XXXX title # XXXX for almost a year. Now my vehicle title is listed by XXXX XXXX XXXX " electronic with a lien '' and unable to obtain. Loan was paid in XX/XX/XXXX. Additionally XXXX rep on the phone was unprofessional, combatant and disrespectful. He failed to address my issue.
Consumer complaint received 2020-07-15
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. (TX)

Company XXXX XXXX XXXX , XXXX is reporting I was late XX/XX/XXXX thru XX/XX/XXXX, I was never late. This account should have closed in XXXX. XXXX XXXX have kept this account open for 5 years to date.
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (IL)

To Whom It May Concern : My name is XXXX XXXX and I own the property located at XXXX XXXX XXXX XXXX, XXXX, Il., XXXX. This letter is a statement explaining Loan Depot improper reporting to all 3 Credit Bureau. 

In XXXX of 2020 Loan Depot advertised on my account login a mortgage forbearance plan to assist home owners who were having difficulties due to the Coronavirus shut-down. I signed up for this plan because my tenant and I were temporarily not working due to our companies having to close. In this plan that Loan Depot offered they stated very clearly that there would be No Negative consequences for entering into this plan as long as we complied with all of the terms of the plan. I did comply with all of the plans terms and conditions. 

In early XX/XX/2020 I begin looking into refinancing my mortgage. The first thing I did was check my credit score and principle balance with loan depot. On XX/XX/2020 my outstanding Principle balance with Loan Depot was {$650000.00} as reported by all 3 Credit Bureau. On or about XX/XX/2020 I submitted preliminary inquiries/applications to refinancing my mortgage with multiple companies. On XX/XX/2020 XXXX  contacted me with an alert that my loan balance had increased and my credit score had drop 14 points. I then investigated this and learned that Loan Depot increased my remaining Principle balance due by over {$10000.00}. 

I immediately contact Loan Depot regarding this Principle increase and they told me they had the right to do so because I was on the Forbearance Plan. I reminded them that the terms of the Forbearance Plan specifically stated that there would not be any negative reporting done on my credit. I then contacted my attorney and sent him all of my supporting documents. My attorney informed me that Principle Balances can not be reported as increased due to outstanding balance on a mortgage without a court ordered foreclosure proceeding. 

This false reporting to the credit bureau is still on all 3 bureaus and Loan Depot has been unwilling to remove it.
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc. (OR)

i order portable cd players with headphones and aa batteries they haven't shipped the merchandise yet so i filed a complaint with the XXXX   they told XXXX that the reason why they haven't shipped the items yet because they couldn't fine enough credit info when their website states buy now pay later i'm using my fresh start credit pay for those items i know about the merchandise rule about they must comply with which they aren't one part of the rule is bill me sales on approval i don't have to pay them anything until i receive the merchandise it doesn't state in the rule that they have the right to ask me for 50 % down of the order if i don't my orders i'll sue them in court
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/20 I ordered a bottle of XXXX pills from an advertisement on my XXXX  page. I accidentally pushed a button by mistake or their website was programmed that way and I got 3 or 4 bottles of other pills I did not want. I called 5 minutes after that order and spoke to a man at XXXX  who refused to cancel those extra bottles and said to return them when I got the order. There is a time limit of returning those orders and my package arrived just before the deadline. I called immediately several times and no answered the phone. No one answered the emails either. A few days later I discovered that phone number and email address were canceled. I called Chase bank, where I have been banking for years, and I filed a dispute and I got the {$80.00} back ( that was the charge for the extra bottles of pills I did not want ). Also their ad said the XXXX pills would cost about {$29.00} but I was charged {$69.00}. 

About a couple of months later Chase informed me they had returned the {$80.00} to XXXX because XXXX said I did not return their package per their instructions. I Ireturned their package at the post office and tracked the order, because I had my return address on he box, and they did receive it. I did not see any instructions in the fine print on the ad on my XXXX page and I was not able to reach them on the day I received the package before I took it to the post office. A short while later I found a new email address for XXXX and contacted them. They sent me an email saying they made a mistake and would return the {$80.00}. I contacted them later because I didn't get the money yet and they informed me that the dispute transaction was closed by the bank and the money would not go through. I called Chase bank serveral times and sent them email messages from XXXX saying they were blocking my refund and Chase just brushed me off. I sent emails to XXXX saying send me a check and they said it would have to be refunded the way they got it and they needed some kind of proof from me. This has been going on for 5 months. They have probably done the same thing with other people. BUT WORST OF ALL MY BANK THREW ME UNDER THE BUS. I made many calls to Chase and sent them copies of emails from XXXX and they have just turned their back on me and don't care the least bit about me. That IS MY MONEY IN MY ACCOUNT. Chase does not have the right to send or spend it without notifying me first.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have tried contacting XXXX and Equifax in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have XXXX control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I had a Ink Chase credit card that was all of a sudden closed. They would not explain anything on the phone and said I would receive a letter in the mail. The letter came with no explanation. I called Chase again they basically said that some affiliate ended their relationship with me so they are closing the card. They refused to explain anymore claiming they don't know more. I said how can you close a card if that's all you know. I also must know what information they have because I have no idea of anything at all wrong with my credit anywhere and suspect some foul play or some real misunderstanding. I
Consumer complaint received 2020-07-14
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)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}
Consumer complaint received 2020-12-04
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. (TX)

After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I have been a customer since XX/XX/XXXX. Our first lease was returned XX/XX/XXXX. The car was in perfect condition. No damages. No penalties to us. 

Our new lease started XXXX, XXXX. In XXXX of XXXX, my payment arrived XX/XX/XXXX instead of XX/XX/XXXX. It was the beginning of the pandemic. Family members and friends were getting sick. Coworkers were dying. Very tumultuous time. I was in a state of confusion. I apologize for that. 

Kia charged me a late fee for XXXX. I didn't register what it was for, not realizing my payment arrived a few days late. I called several times and was unable to ascertain what it was for. I got several different answers. Additionally, I was locked out of my account. When I tried to get back in, I was told my account was purged ( deleted ) and I should start a new online account. Thus I have no access to the financial transactions that took place. 

Since I didn't pay the {$15.00} in XXXX, they took it out of my XXXX payment, causing a shortfall for XXXX. This repeated itself in XXXX and XXXX as well, resulting in four late fees adding up to {$60.00}
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo needs to remove the PMI from my loan immediately. I have tried since XXXX to get them to remove this wasteful expense from my loan but they have been completely unresponsive. 

My home is in a strong real estate market that has only moved upward since the pandemic. I have a near perfect credit score, have never missed a payment on any type of account for the entire during of my credit history, have remitted payment on the XXXX of each month via auto pay to Wells Fargo since the origination of my home loan. I continue to pay my revolving debt in full each month and have continued performing on all accounts in the same way during the pandemic as before it. In short, I represent less than the least risk of default to the lender and guarantor. 

Yet, despite multiple requests, Wells Fargo continues to drag its feet on conducting a BPO and providing me with its valuation of my property so that the PMI can be immediately removed. 

I have filed two complaints with the bank and provided documentation including XXXX delivery confirmation of the PMI order forms, but unfortunately, while those representatives were very polite, neither was empowered to work with the PMI removal department to take action on my account or expedite the BPO ordering despite months of Wells Fargo 's delay.
Consumer complaint received 2020-07-15
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. (OH)

XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Consumer complaint received 2020-07-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp. (CA)

I am a XXXX  impacted heavily by Covid-19. I initially reached out to Amwest in XXXX, informing them of my listings and sales being cancelled and I would need a deferall. They weren't very cooperative until I filed a complaint, then agreed to move the two months payments to the end of the loan and slightly increase my payments and remove late fees. I have attached the statement where they continue to charge me a late fee. I contacted the XXXX  department again in early XXXX, letting them know that we are rolling back again due to covid, and i did manage to pay my property tax and insurance but need help with my XXXX mortgage and now XXXX. I didn't get any response, I emailed again, with no response. Their website states they help and will continue to help for covid impact, i attached a screen shot, but no response. I finally called XXXX XXXX at XXXX, he said he would get investor approval and let me know, never heard from him, i emailed again, and again, he finally responded and said he is waiting on the investor. This is very hard on our family to keep reaching out and get no help and response like all other regulated banks are helping my neighbors. I am asking for help and doing my part communicating and staying pro-active. please help, and also the unecessary late fees should be removed.
Consumer complaint received 2021-09-02
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2020-07-14
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. (MO)

I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.
Consumer complaint received 2021-10-06
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. (MD)

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

PNC has put up barriers in linking and sharing accounts with our apps in the name of privacy and security. Agreed that privacy and security are important but stopping the linking of accounts is wrong. Other banks and financial institutions have figured out what to do - why is PNC still stuck in the middle ages. 
All, I was trying to do today is to link PNC with a new XXXX brokerage account. XXXX uses Plaid for the connection so funds can be transferred to and fro electronically. That seems to be too much for PNC to handle even after doing 2-factor authentication.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account with a balance of +11k usd in for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IL)

I have disputed this account for the last year or so every month for the fact that this company can not and will not truly verify this account. I even called XXXX to speak to them and I talked to a gentleman that was even confused in why XXXX XXXX would say they have no payment history on this account. Every time I dispute it comes back verified but the only thing that changes is the " First report date and date of status '' which in this case is XXXX XXXX. I have been turned down for credit because the reason is recent delinquency. It is this account that this denial is talking about because if this account was reporting correctly it would be a few years old. The XXXX representative understands why I keep disputing it because it is not reporting correctly. I have even called XXXX XXXX which was in XXXX and XXXX XXXX, XXXX. Both times I was told that their is no payment history and when I mentioned that XXXX XXXX fails to verify and report correctly, I get the response " you paid the account so there is no payment history and we are only the collection company so we do not have a lot of information on your account ''. I asked if XXXX XXXX could remove the account off my credit report since it is not being reported correctly, and I was told a fast " NO ''. Like I said I have disputed this account monthly for the last year and I wrote two letters in the last 3 weeks. But I was told from the representative at XXXX XXXX that it wo n't change anything by writing letters. In the letters I submitted proof in what I am talking about the First report date and date of status keeps becoming the present month we are in, instead of the true date of status of payment. The XXXX Representative told me that this account was assigned to XXXX XXXX in XXXX XXXX, but on the credit reports it says XXXX XXXX.