davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (TX)

In XXXX XXXX and I got a payday loan for a {$100.00} but I lost my job and I could pay back the loan. Last year in XXXX XXXX I got a call from my brother that his wife got a call asking for me that I needed to get in contact which I did. It was a collector calling to collect bui did n't have the money so I agreed on a payment plan of {$150.00} two payments. I Gave the first payment but could n't afford to pay the second payment a month later I got a call to settle for {$69.00} and I did n't and was suppose to receive paper work but didnt. And then yesterday I got a call from my brother telling me that a private investigator looking for me and just when he was about to hang up they told him that there was a warrant for my arrest for 2 counts of felony fraud. He never gave me a name but he provided me with the number and I called right away and got a recording for private investigator XXXX XXXX and I left a voicemail. I called today XXXX XXXX, XXXX in the morning and got a recording for a private investigator XXXX and left another voicemail. 10 minutes later I get a call back from private investigator XXXX returning the call from the message that I left. She was informing me that she was calling on behalf of Ezmoney payday loans and that they filed 2 counts of fraud and that at 1 warrants where going out for my arrest and that I needed to a total amount of {$1300.00} through a XXXX before XXXX today so that it could be settled and the warrant could be dropped or else police officers would pick me up where ever I was and take me to jail and I would have to go in front of a judge and get 120 days in jail and gett a fine of {$3500.00} and that 's including court fees. I informed her that I didnt have that kind of money and I wanted to know what I could do considering that I never received a letter or any notice and also because I am a single mother of XXXX. And all she could say that I needed to play that amount and make arrangements for my kids because I was going to get picked up and hung up. My concern is that I asked her how she got my brothers number and she told me that I had him down as an emergency contact but I informed her that before I even spoke toy brother yesterday I did n't have his number because my number lives out of state and that I had to leave a voicemail for two different people only to get a call back from a third person if I was calling the same number. But what alarmed me is that she was asking me for a money order for an amount over {$1000.00} in a XXXX. I know I spoke to my father and he said he did hear of some scam. I did n't send any money but my concern is that she told me I was going to get arrest today by XXXX since I told her that I was going to send that money since its money I do n't have.
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.
Consumer complaint received 2016-10-27
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Chek Cash, Inc. (TX)

The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (PA)

For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.
Consumer complaint received 2017-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Loan care continues to report me late on my mortgage and I have emailed them several times to no avail. Who can I talk to about resolutions? 

They also reported me XXXX and continue to tell XXXX that I am XXXX. My mother XXXX and by them reporting me XXXX is bringing up XXXX, making it hard to switch services. I asked them to remove it but they refuse. It was the companies responsibility to make sure when I made the payment on XX/XX/XXXX to make sure I was paid up. 

Here is a copy of one of the emails I sent them : First you report me XXXX to the credit bureaus, and AFTER I paid the past two payments of more than $ XXXX, you still report he with past due. It is your RESPONSIBILITY to make sure that when I made the payment of more than $ XXXX to INCLUDE ALL LATE FEES, which you failed to do. I am current with my payments and expect ALL of my statements to REFLECT as such. I am putting this in writing because I need a paper trail in case of further inquests. Below are the payments I made : XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT IDXXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX WEB XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB as Reconciled XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I had an excellent credit rating XXXX XXXX XXXX... XXXX ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high credit score and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by 3 loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX.*Lack of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had 5 mortgages, approximately 10 car loans, at least 10 installment loans for various items ( snowmobiles, jet skis, XXXX golf cart, storage building, etc. ) and close to 50 different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all 3 major credit bureaus, the 3 loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and XXXX yesterday for XXXX XXXX  ... transferred XXXX XXXX XXXX. requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX ) ... which was my LAST name for XXXX XXXX XXXX  XXXX ). I also remarried in XXXX and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's License Bureau with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX XXXX XXXX XXXX XXXX XXXX. with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (MD)

I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died in a XXXX. I was in shock and forgot about court until morning of court. I did not attend .XXXX has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I applied ( in-store ) for a Macy's-American Express card back in XX/XX/2016. I have perfect credit, no history of any late payments and what is considered " excellent '' credit. Two I received a general decline letter from Macy's-American Express stating my application was declined for " Insufficient Credit Experience. '' My credit experience is OVER 24 years and I have current, open and active loans and other credit cards. I called the number on the letter, I was referred to another number. Then the representative " XXXX '' could not answer my question on how to address having perfect credit and getting declined. She said my credit report came back blank and could only refer me to XXXX, to obtain a copy of my credit report. I then called Macy 's Corporate/Executive office phone number. I was placed in contact with " XXXX '' at extension XXXX. She called when I did not have a copy of the letter sent to me in hand. She provided her name, callback phone number and extension. She asked me to call her back when I get a copy of the letter. When she called, ( XX/XX/XXXX or XX/XX/XXXX ), I was out of town. I returned home after XX/XX/XXXX, called her back and left her a callback voicemail. On the prior call, she stated there was a " code '' on the back of the letter and she needed that to explain the correct reason for the declined application. I have called " XXXX '' back twice and have not received ANY phone or written communication in response. My issue is that I have active and current credit. I was declined for an incorrect reason and I want the application corrected and a full explanation of what happened.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

I have a collection from XXXX in the amount of {$580.00} on my equifax credit report. I disputed thaat item with XXXX who in turn were unable to validate. Subsequently they sent me a letter stating the account had been closed and the would delete from all XXXX bureaus. The item has been deleted from XXXX and XXXX but is still showing on equifax. My letter dated XX/XX/2017 siad all further questions should be directed to the bureaus. So i called equifax and they instructed me to call the creitor back. When i tried to call the creditor i cant get through because as soon as i enter the account number the recording says the account is closed and the call disconnects. So i called equifax again. Equifax tells me theres nothing they can do aand they do not have contact informaation for the creditor. I offerred to send the letter i have from credit protection to equifax. They told me that would do no good. How can they not delete this item when theres no way to validate the debt? And i have a letter stating the order was issued to delete and the other XXXX agencies have already deleted the item.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (GA)

We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TN)

Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

i had an acocunt with PNC some years ago. this account had disputed charges. many ovr draft fees were assessed to the account. i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be delted. im a single mother and i dont have much money. i really want to fix my account with XXXX and PNC never fully resolved account issues before closing the account and assessing unfair fees