davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (CO)

On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. 
As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

My name is XXXX XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX North Carolina. Suntrust Mortgage inc. has directed me to the substitute trustee over a {$980000.00} loan from XXXX. XXXX XXXX XXXX XXXX and that is when I discovered they can not be the trustee and the XXXX of Suntrust Mortgage XXXX XXXX signed naming XXXX XXXX as substitute trustee but it wasnt done correctly. XXXX XXXX acted as XXXX XXXX notary on the same day. XXXX XXXX did not possess the required signing authority to sign mortgage operations documents on XXXX XXXX, XXXX. Someone put a sticky note over the Exhibit to coverup the part that states the purpose of the exhibit then made a copy of it to remove this requirement. This page was then recorded at the clerk of court office along with the outdated and expired faulty appendix A. How can Suntrust Mortgage use a outdated mortgage delegation signing authority document that expired over 3 months before XXXX XXXX even named the substitute trustee to foreclose? I have requested this proceeding be dismissed since the substitute trustee was not correctly nominated by XXXX XXXX, but they keep telling me to call the substitute trustee who is a nice enough guy but hes was not correctly substituted. Please also look into how XXXX XXXX was able to verify and notarize a document that was 3 months out of date. Please notify me in writing once this proceeding has been dismissed since the signing XXXX of the corporation was not in possession of signing authority when he nominated XXXX XXXX of XXXX. XXXX XXXX
Consumer complaint received 2017-10-31
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: Justice Finance Company (TX)

On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FastBucks (NV)

th I have filed another complaint againt this company, Fast Bucks. In trying to get this issue with my bank account I called the store manager and she stated the she had the right to take my payment since i was due on the XXXX. I told her that I had a conversation with her last month and that she stated that she would not take the payment until the XXXX i told her that the XXXX i told her the payment would not clear until the XXXX she said she knows that but she was off yesterday so its not her fault. this woman was very rude and told me that i needed to calm down abd she would call me bacl now how is this right at all and we also deicussed in a previous convrsation that i am not paid until the XXXX what XXXX is paid on the XXXX i tried explaining that the other lady would just hold the payment untill the XXXX it was told to me that the due date could not be strecthed farther than that but they could hold the payment she is impossible to deal with
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (PA)

I have tried several attempts to resolve the issue with Hunter Warfield but no response to the issues at hand. provided court record to the dismissal that XXXX XXXX did not respond to the court of on going issues and other issues at hand. XXXX XXXX did not respond to legal mail sent to them on the issues at hand. 

If the matter cant be resolved I will be force to take this back to court and let a judge ask why XXXX XXXX never showed up to what they file on and there was 2 times they never showed to court and there was on going issues at hand as well.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FastBucks (NV)

in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

Hello Two deposits were made via cash to my account. XXXX for XXXX and another for XXXX. The company XXXX Wells Fargo XXXX held the {$5100.00} stating that another person " accidentally '' or " was scared into '' making the XXXX. The bank believed their story although we have proof that they received XXXX worth of cryptocurrency in return. The bank THEN held the unrelated {$4000.00} from a separate transaction stating that they were holding it just in case another " victim '' ( as they say ) was to come forward, yet we had the transaction documented for this amount. This was from another customer that deposited {$4000.00}. The XXXX deposit was made Friday XXXX XXXX, XXXX, and the XXXX deposited was made Saturday XXXX XXXX. This is XXXX total that we have not been able to access and has crippled our company and business relationships. We contacted Wells Fargo immediately and were given no answer for two weeks. It was at that point when they told us that they were going to hold the money. We went to the bank and still were given no answer. We continued to call thereafter approx 15 times and still have not received a call back. They would just keep saying XXXX XXXX XXXXXXXX '' is the only person who could even speak on the case. XXXX has yet to call us with updates and I have left numerous messages. I did not record the dates and times of the messages. I contacted and aid a lawyer to advocate for me but I still have no answer, and they still have my XXXX. I do not know what else to do.
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I graduated from XXXX in XXXX XXXX. During my time at XXXX, my parents paid for my tuition/fees/etc. I did take up a few grants, but never took out a loan. XXXX XXXX, I received notification that it was time to start repaying a loan ... Navient said I took out a loan in XXXX XXXX for {$5500.00}, with my repayment schedule ( XXXX yrs ) totaling a loan of {$6700.00} once interest was added in. Again, I NEVER needed to take out a loan, or took out a loan. I called XXXX to rectify the situation, and at first they had no record of the loan. A week later, it popped up on their radar. They said the loan was applied to tuition. My parents looked back at their payments to XXXX and did not see any decrease in their end, so they paid the full bill. Again, I did NOT take out a loan from Navient, but was still charged with one. I have since paid the loan off, as of XXXX XXXX, but if possible want the money returned.
Consumer complaint received 2017-10-31
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. (FL)

I have contacted Equifax Credit Bureau more than 15 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and Equifax has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked Equifax to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, Equifax refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking them to remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be removed. They are unauthorized and Equifax has failed to properly verify who authorized these inquiries on my behalf. I have no knowledge of these inquiries.
Consumer complaint received 2017-10-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.
Consumer complaint received 2017-10-31
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. (TN)

XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with equifax. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX  removed the information after being contacted. Equifax has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! Equifax also breached my personal information.
Consumer complaint received 2019-05-12
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: EQUIFAX, INC. (FL)

XXXX credit report Equifax credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Consumer complaint received 2017-10-31
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)

Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.
Consumer complaint received 2019-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have called several foreclosure specialist in the past 6 months and sent messages to Wells Fargo and they come back to me telling me to contact the foreclosure specialist. 
This should have ended a long time ago. I talked to various people there and they said they would get back to me but nothing happened. 
Someone last week told me to contact XXXX XXXX?????? as my house was made or formed by their company????? 
I stopped calling them 3-4 days a week because nobody called me back, I did get a call from an XXXX but did not catch his last name. 
He said a large envelope was sent to me in the mail, i said i did not get anything like that. Every week or every other week i get a 2-3 page letter telling me they are still working on my situation. My only income is social security. If i had a few XXXX dollars to move everything and some extra maybe it could happen!!!!
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WY)

I have a balance with a 0 % balance transfer rate that Chase Bank keeps applying my payments over the minimum to before it applies them to my higher interest rate balance. I submitted an inquiry several months ago and went back and forth over many messages. They claimed this was n't happening, but it 's clear that it is happening from the progression of balances on my statements.
Consumer complaint received 2017-10-31
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: CITIBANK, N.A. (NJ)

These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IA)

XXXXXX/XX/XXXX I received notification from Fed Loan Servicing regarding the number of qualifying payments I have made for my public loan forgiveness application. The number of payments they have reported that I have made is incorrect. I talked to customer service and went through year by year the number of payments that I have made. There is a discrepancy between the total number of qualifying payments they counted and the actual number of qualifying payments. I requested that they send me a updated letter reflecting the accurate number of payments made and listing year by year the number of qualifying payments. They said it would take 60-90 days to review my case and make the changes. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review. I was told there were error regarding my payments and they would get back to me in 60-90 days. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review request. I was told there was a error with their IT department and IT needed to make changes to my account. They stated that there was no way of knowing when IT would make those changes so I could see the number of my qualifying payments. Furthermore, they stated there way no way they could make this a priority request. I have waited nearly a year for them to provide me with this information regarding my qualifying payments. I would like them to send me this information for each year the number of qualifying payments I have made.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.
Consumer complaint received 2017-10-31
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)

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX County Clerk Of Courts and began employment XXXX 2007 and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in 2007 I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Consumer complaint received 2017-10-30
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. (OH)

I previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution