davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
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. (NC)

I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2019-12-28
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. (NV)

After attempting to comply with the company 's request to provide validating information, regarding my previous address, to allow them to correct an error on my credit report, I AGAIN receive the same response that they " were unable to locate a credit file in our ( their ) database with the identification information you ( we ) provided. '' I supplied them with a copy of an earlier W2 showing my address, my current drivers license, a bank statement, and my social security card. [ What is almost humorous about this whole scenario is that several months earlier I was able to purchase a monthly reporting service from them and they continue to provide to those whom request it faulty credit information. ] Their continued refusal to acknowledge my credit file allows a more serious problem to prevail. That problem is the they continue to ignore a DISMISS bankruptcy in the the XXXX, TX bankruptcy court AND their continued failure to report a DISCHARGED bankruptcy in the XXXX XXXX, Nevada bankruptcy court. I have on several occasions sent them documents which supported both claims.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A. (PA)

PNC Refinancing Experience I met with XXXX on the week of XX/XX/XXXX to refinance a loan for a XXXX XXXX that I had been preapproved for online. We met at the XXXX branch on XXXX XXXX. We had agreed that XXXX would send the check out for an amount of {$10000.00} and an additional {$1000.00} from my checking account. I remember her asking me if she wanted me to have her send it, and I said yes please. She concurred and said she would do it first thing tomorrow morning. 


The following week of XX/XX/XXXX I called XXXX located in XXXX to check the status of the loan. It was still open, and they had not received anything. I called PNC and a customer service representative told me I called too soon. However, when I explained that when I send a check through PNCs bill pay feature online, the check is never late. Nonetheless, I was dismissed. I asked the customer service representative to investigate the trace number associated with the check. I was told they dont have that ability. 


This continued on until I finally sent a check of {$1000.00} to XXXX on the XX/XX/XXXX. When I called, they received my check. I contacted PNC and explained the entire situation again. I was told XXXX rejected the check, because it was not for the full amount. I was told our checks did not get there at the same time, but I shouldnt have had to send my own check anyway. 


I was also told that any interest would be waived, since this issue began. Empty promises. I havent seen a thing except a car payment to PNC for which they have no collateral. And what do I get? Two car loans. 


Currently to date, XXXX has still not received the full payoff amount. The escalation team has been of little to no help. Im not sure the lower interest rate is worth the hassle. I have spent more time and effort fixing PNCs mess than the less than 1 % interest on a {$10000.00} loan PNC has provided me with. If this loan is not paid in full by COB today, I will be cancelling this loan. That is my right.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NJ)

I have called SageStream over 50 time and have never gotten through to speak to any one, no matter what time I call in the morning or in the morning, afternoon or in the evening. Sometimes I call and it tells me I've reached them when them after ours and it will be XXXX. I'm starting to wonder if there is anyone even answering the phone. I leave a detailed message about them sending a report and or file that they have on me and also to freeze my account with them due to some suspicious activity. I haven't received anything from them in over 2 months and have never gotten a response in the form of a letter or a phone call back.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Payoff process — 
Company: Cheek Law Offices, LLC (OH)

In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I used my XXXX credit card to send a Venmo payment ( Transaction ID : XXXX ) to a friend on XXXX in the amount of {$100.00}. The transaction was a duplicate so I disputed it with the credit card company. In response, Venmo retracted the funds from the payee while the dispute was resolved. XXXX closed the dispute on XXXX and indicated it was a valid transaction and left the charge on my credit card. Therefore, the {$100.00} should have been returned to the payee. Venmo has not returned the payment and has kept the {$100.00} XXXX with no recourse. I have tried contacting them multiple times and they have not provided a path to resolution other than saying they will review it. It has now been over 2 months since the dispute was initiated and over 2 weeks since the dispute was resolved.
Consumer complaint received 2016-12-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.
Consumer complaint received 2022-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I filed an Equifax dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. Equifax is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc. 
3. You have not actively used credit int the past ten years. See # 2.
Consumer complaint received 2022-11-16
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I made a purchase at a store in XXXX called XXXX XXXX. I was charged XXXX ( {$420.00} ) initially and told it was an accident since the price I was given was for XXXX. The store clerk then acted as if he was correcting the mistake and gave me a receipt for the new amount. A few days had passed when I noticed that I was charged incorrectly so I submitted a dispute with my bank ( Chase ) on the charge. The bank temporarily credited my account while they did the research. I didn't get a response from my bank till about 2 months later saying that they couldn't accept the dispute. I then called the bank right away and was told that I would need to show proof which they did not mention until then. I then sent them the proof in a letter which they then took about another 2 months to look over. That was when I received another letter saying that they again couldn't accept the dispute. I called and they mentioned that they couldn't accept it since it was already outside the time frame. Because the bank took so long to research the first dispute it was already outside the time frame not allowing me to take any other actions. This was also not mentioned in any of the calls I made to them at each step of the process until the final call. I would also like to add that after doing my own research, I found out that this store has scammed many others before which I thought would help in my case, but unfortunately did not.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I contacted XXXX XXXX XXXX to add coverage to my internal dwelling. They offered to send billing to Wells Fargo. I increased my mortgage payments and they sent billing to Wells Fargo and they didn't pay any of the bills. I filed a complaint with the insurance bureau who notified me that it is Wells Fargo who failed to comply when they received the statements. Wells Fargo has not looked into this matter because of two of their own statements. 1 ) They stated I haven't changed my mortgage payments amount since XX/XX/XXXX and you will see an attachment that clearly disproves this statement. XXXX ) They continue there isn't a valid XXXX XXXX  policy since XXXX which is false, I'm attaching an official letter from XXXX  's, as well as, XXXX  's sent a direct fax to Wells Fargo that they ignored and closed the account without consideration. XXXX  's works with home mortgage companies constantly and they send them statements and they are paid. I don't know why Wells Fargo a ) has failed to investigate this matter, b ) claims that they shouldn't have sent the payments when its industry standard confirmed by the insurance bureau who regulates these things.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax must process credit freeze requests made on their website within one business day but does not comply by preventing me to request a freeze or unfreeze. 

Placing a credit freeze on Equifax.com requires creating an account and possibly verifying your identity. Despite doing all this, Equifax will not let me request a freeze online, showing an error message saying they require additional information to process these requests. 

I have requested the problem to be fixed several times over the course of a year : - twice by mail, sending all necessary identification paperwork - by email at customercare@equifax.com but they replied that they can not help - many times over the phone, waiting sometimes up to an hour to speak to an agent. 

Equifax agents have told me the problem was fixed several times, or that the problem would be fixed within 24 hours. They more recently told me they would fix the problem within 7 to 10 business days, and reach out to confirm. Later, Equifax could not provide an update because their systems were down. Several months later, needless to say I never heard back. 

Equifax refused to give me a point-of-contact to follow up on the issue, or refused to call me back with an update. I was instead instructed to call back later, and speak again with a agent unaware of any context. 

Equifax is required by law to process credit freeze requests made online within one business day. By not providing an interface to request credit freezes, Equifax is in  breach of its legal duties.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXXXXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX these two accounts were unauthorized and i would like the removed immediately
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted TransUnion regarding fraudulent inquiries listed on my credit profile. I spoke with Supervisor XXXX in the US Special Handling Department regarding the fraudulent inquires and she confirmed my police report and ID Theft Affidavit was on file ... she also confirmed I previously had a fraud alert on file but, I needed to lift the alert due to applying for a home loan. In review of my credit profile my Broker notified me of the excessive amount of inquires and I notified TransUnion they are fraudulent. I would like to have the XXXX fraudulent inquiries removed from my credit profile. 
Please remove the following inquires : XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 Thank you for your assistance.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Fair Financial Corp. (CA)

I have no problems with fair at all but they're very hard to get in touch with I was doing XXXX on the XXXX of XXXX I got to order at XXXX 's on XXXX XXXX in XXXX XXXX as I was making a U-turn on XXXX XXXX older women speed it up to hit me why she could collect insurance money insurance fraud I reported XXXX XXXX police by the Woman being white with two witnesses she told the police I turned on red when I was turning it was on Green I do not know how she could see the other side what could of the lights was I try to report start Insurance claim up but I didn't know the policy number so please help me Fair
Consumer complaint received 2021-02-19
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: BMW Financial Services NA, LLC (CA)

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau failed to comply with blocking fraudulent items per my police report as I requested within 5 business days. I have been disputing these same items for over 2 years and they still will not remove them off of my credit report.
Consumer complaint received 2022-11-16
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: Marlette Funding, LLC (GA)

the XXXX never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX to accurately determine or with any reasonable effort, determine if the debt belonged to me
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I went to : https : //www.annualcreditreport.com website that was linked on the Equifax website : https : //www.equifax.com/personal/help/free-equifax-credit-report/ website. 
The button for the Equifax credit report gives this message : XXXX XXXX XXXX XXXX This is again how credit bureaus avoid complying with the law. They want to force you to open an account with them so they can steal more information from you and even try and upsell you to pay for the very information they have stolen from you in the first place without permission or remuneration! 
I want the free annual credit report I'm entitled to without the XXXX.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late
Consumer complaint received 2022-11-16
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: JPMORGAN CHASE & CO. (MN)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$42.00} XXXX XXXXXXXX XXXX XXXX reported a late payment in the amount of {$42.00}
Consumer complaint received 2019-12-28
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: Navient Solutions, LLC. (CA)

I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet Navient is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.