davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am on the 120 month repayment an as I XXXX in a high needs area. When reapplying each year I was given a combination of incorrect phone numbers, incorrect fax numbers, different 'acceptable ' documents necessary, and told my documents were 'lost '. I was also given different information from different people. During theses times my loans were put into forbearance as to not have them go into default. While I am in good standing, thus has added several months of added interest and time that I have to repay. And it has happened every year.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WA)

I made an online purchase with XXXX 's XXXX  on XX/XX/20 in the amount of {$150.00}, order # XXXX. I used my XXXX credit card to make the purchase through XXXX. I was charged {$150.00} two times. Both charges posted to my Barclays card onXX/XX/2020. I received only XXXX order. I tried to contact XXXX 's customer service and was not able to get a response to address the issue. In my frustration, I returned the merchandise. XXXX 's sent me an email that they received my return and issued me a refund of {$150.00} on XX/XX/20. I was still charged the duplicate charge. I tried disputing this with Barclays card as the merchant was not helpful and Barclays responded with a letter stating they could not help me. I tried calling Barclays and was on hold for over an hour when I reached a representative who told me that Barclays accidentally charged it twice and they would be crediting the charge and then the same rep told me that I had to prove I didn't make the second charge. I tried to explain several ways that this was clearly a duplicate charge for which I only placed one authorized charge and was still seeking credit for the second charge. I was told a supervisor would call me in 7-10 business days to resolve and I have never heard from anyone since then.

It would appear Barclays did not attempt to address the duplicate charge at all. I have no proof of a second charge as there was no second charge. I only placed one authorized charge and have since returned that merchandise for which the merchant credited me but I was still charged that second charge. 

I have attached the credit card statement showing 2 charges, the merchants email confirming they received my return, the merchants email confirming they issued the {$150.00} for the return, the statement showing the credit of {$150.00} on XX/XX/XXXX and the letter from Barclays that they were not able to resolve the issue. 

I have no documents to show the second charge was credited, because that has yet to happen.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase United business card, with the business name as my own. I applied with myself as the authorized officer, and my wife as an employee. 

Chase messed up processing the application with my wife as the authorized officer ( I have pdf of application showing the opposite ). 

All information supplied was my own ( business number was my phone number, tax id was my own SNN ). I can not close the account now because I am not the authorized user.
Consumer complaint received 2020-05-17
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. (FL)

I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Vehicle Solutions Corp (LA)

I co-signed for a vehicle for my son in in XX/XX/XXXX. He used this car primarily for generation of income by driving for XXXX and XXXX. When the pandemic hit in XX/XX/XXXX, he was no longer able to pay the note due to COVID-19 restrictions. The car was soon repossessed in XX/XX/XXXX. Vehicle Solutions Corp has had the car in their possession and likely have resold the vehicle for over a year. They are still hitting my credit negatively with a new occurrence each month and this is vehicle. I spoke with the company and they refused my settlement offered in the XXXX 's because XXXX stated that it would be denied. They are only accepting payment in the XXXX 's, although he would not state a minimum amount. I was not asking for the repossession to be removed, but the continuous month to month negative hit for a car that my son no longer possesses and a car that was lost due to restrictions of COVID-19. They tout themselves to be a company that works on honesty, integrity and trust. I beg to differ because even though I explained to them that I was a co-signer, and the car was lost during the pandemic, due to real-life income restrictions, they refused to remove the on-going credits hits unless I pay {$1900.00} for a car no longer in our possession. Again, I am not asking for the repo to be removed ... just relief from monthly negative hit.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX
Consumer complaint received 2020-10-15
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

A payment was made on XX/XX/21 and posted to our account. On XX/XX/21, the payment was reversed without notification nor explanation. The loan servicing was then transferred XX/XX/21. We found out about the reversal when the new servicer had a higher balance and the XXXX payment was overdue. An email was sent to Loancare, the response was to call XXXX. That number does not have an option to speak to a representative. Other numbers of XXXX and XXXX both lead to the same redundant option menu with no choice of speaking to a representative. The fax number of XXXX listed is a message center, not fax. A fax was sent to the XXXX office ( 1 of 2 with a working fax ), the response was Loancare will respond within 30 days of receipt of our letter. The reversal of payment should not have happened and the refund should have been automatic with an explanation. To spend hours trying to get our {$4200.00} back is ridiculous. Their business practices are horrendous. Some customers might not even realize they have been ripped off. Loancare should not be allowed to remain in business.
Consumer complaint received 2020-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
SYNCB/Care Credit:XXXX Amount : {$800.00} XX/XX/XXXX XXXX
Consumer complaint received 2020-05-17
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: U.S. BANCORP (MA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-11-02
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. (OH)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-02
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. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-05-17
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. (NC)

My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and XXXX did the dispute investigation and XXXX changed it to report # XXXX joint mortgage XXXX  XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX  XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven XXXX and Equifax and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA FOR APPROX 90 K as per. The attached good faith statements from XXXX which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX   each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on XXXX XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX  they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX  THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX.. where the stated XXXX XXXX BANK NOTE WAS ISSUED
Consumer complaint received 2022-12-17
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I KNOW XXXX XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE XXXX  XXXX XXXX IS SELLING MY INFORMATION TO THE THIEF.
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I was under contract for a home I rented from XXXX with XXXX XXXX XXXX. I fulfilled the contract in full in XX/XX/XXXX and went on to a month to month contract due to purchasing a new home. I purchased the home XX/XX/XXXX and left the rental property with no money owed or contract. I have a verification of rental form filled out and provided from XXXX XXXX XXXX that show my contract length and payments history that was provided to my lender for proof i was not under contract so it would not go against my debt to income ratio. I also have corresponding emails from my lender and XXXX XXXX XXXX clarifying i was not under contract nor would take on any late payments due to me moving out and the response from prime is clear that i was not. About 2 weeks after I moved out I was contacted by my lender that said a individual from XXXX had contacted them and told them i was under contract and being sued. My lender contacted me and provided me with all emails and Rental verification form for my personal records in case this was true and i would have the proof that shows i really was never under contract. Fast forward to XX/XX/XXXX and i have a collections account from Hunter Warfield in the amount of {$10000.00}. I called and spoke with the collector and submitted all documents that clearly show i was not under contract and month to month when i moved out. I filed several! dispute with Hunter warfield and they claim i had a contract and sent me a contract in the mail with the finding that i am liable for the collections. Upon reading the contract its a Electronic document with E signatures of my name. Not one actual signature of mine.So that dispute was unsuccessful so i disputed it 2 times with XXXX  with all documentation i have and they are still unsuccessful because Hunter Warfield is still claiming its accurate information. I really am extremely disappointed and this is not fair or right at all. Im not sure what to do now? Please help!
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.
Consumer complaint received 2020-05-16
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. (FL)

XXXX XXXX XXXX is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX  on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.
Consumer complaint received 2020-11-18
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. (NC)

On XX/XX/2020, XXXX, and XX/XX/2020, I submitted request for the bureaus and all parties involved to verify that collection accounts on my credit report were accurate. According to the FCRA, everything on my report must be accurate and verifiable. How am I supposed to know an account is mines if they don't even have the original creditor 's name listed on the account? I literally have no idea who is reporting this inaccurate information on me! I called into Equifax and spoke to the woman for 20 minutes, after making me verify certain accounts and balances, she then proceeded to tell me that despite my letter from XX/XX/2020 being certified sent and showing as delivered, they a=had n't received that letter or any of the other 3 letters I ; ve sent this year. If that is the case, then how can they possibly be showing certain accounts as Disputed by Consumer??? I told her this was a iolation of my rights and she said if I didn't mail in my social security card they would not dispute the accounts. She wouldn't even let me file a dispute over the phone!! I have been treated very unfairly by Equifax even though they are reporting these things inaccurately and have failed to prove to me through investigation results why these things are still on my credit reports. If there is room below I will be attaching all letters sent and screenshots of these accounts on my credit report where there is no name of the creditor listed. These items I want removed from my report because they are harming me from getting into my first home.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (TX)

Company sent me a collection letter XXXX XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
Consumer complaint received 2022-12-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

I have not been able to get assistance from my mortgage company so I tried to hire an attorney to help me. My husband and I lived in this home together. When the pandemic hit my husband got sick and passed from XXXX in XXXX of XXXX. This reduced my income but also was very distressing. My lender put me on a forbearance plan and then took me off and raised my payment {$400.00}. I sent my attorney a third party authorization on XX/XX/XXXX. My attorney 's office called XX/XX/XXXX and was told to send in additional documents. We did and then my attorney 's office called again XX/XX/XXXX, again they were told that more information is needed. My lender refuses to tell the attorney what is needed, they will not send me an email explaining what they need. My attorney 's office has questions regarding the CARES act and my VA loan, mainly why did my payment go up after forbearance? My husband who is on the loan ( I am married to him and on the deed ) is now passed on, he can not sign or authorize anyone. I do not know why my lender is putting me in a horrible position. I lost my husband and now am afraid I will lose my home because my income was reduced but the payment were increased.