davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

First Horizon bank on XXXX XXXX, XXXX tn XXXX, yesterday XXXX between XXXX. 
Huge lines outside at drive through, first I asked for cashier check from my business to another business, bc I have personal account ... she said yes and sends withdraw slip. I filled out everything including my business and details on the back how to make cashier. Id and debit card already in.

After few minutes shes can not make it from a business ... ok just give me cash, I asked first, Im late!

After few more minutes she asks my ssn, told her not normal to tell ssn in parking lot for everybody to hear! Ssn is on file! Anyway I gave  ssn. After a while she goes about some form for irs bc over XXXX ( was XXXX ) ... ok Im very late! 
After more minutes asks occupation ... dont have one, just need my money! Shes asked if retired ... no, dont need occupation to get my money!

Other customers outside yelling at them bc is closing time!

Nothing for many minutes so I call ... asking what is happening with my cash ... shes saying no cash without occupation! Finally I get mad and told her that she knew my business name, wrote on back of the slip, and shes trying everything not to give my cash! Now they closed and even after yelling twice my occupation and business name/address she sent my card and id out! Completely ignoring me outside! I had to live to see a teller doing whatever she wants with my money and my integrity!

Now I know how many hundreds I lost being late ( late fees arent  cheap at XXXX for my dealership ) so to show my disgust I put tube on floor ... filming the window trying to get a face with this humiliation ... no time bc security guy shows and blocks my car, standing in front of my bumper! Very angry asks me to pickup tube, I asked if there is a law ... littering ... so thats trash? No! Ok so nothing to talk about!

Scene is illogical bc can not open the door when door blocked sitting next to tube, and can not reach it sitting in the car ... this was another way of humiliation!

I keep asking security guy to move and let me go, and explain that they refused to give my money and thats unacceptable ... he keeps saying to pick it up, and that I didnt give info they requested ( so security is playing her dishonest game ) ... said no and for last time clear the front of my car! I start car and start creeping forward, he  doesnt move, front bumper touched his leg and I stopped ... hes reaching for his XXXX ... I yelled at him to stop or hell XXXX  XXXX  XXXX have to defend myself! He stops and move, after more yelling ... I explained about the lawsuit coming and hell be part in it. 
Finally I can drive away from one of the worst 40min in my life.
Consumer complaint received 2020-10-23
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)

I have reached out to Equifax. My problem is XXXX XXXX XXXX XXXX collection company for XXXX  XXXX XXXX never Validated the so called debt. I have sent repeated letters for them to provide proof that I owe what they say I owe. They have sent me absolutely nothing! Section 809 B makes it clear that they must validate the debt. They did not send me anything because they have no proof I owe what the say. They claim there client the so called  original debtor was XXXX  XXXX XXXX. I do not have gas. I live with my momma. So how is it I owe you this money in the amount of {$280.00}? Provide competent proof { which you cant cause it does not exist } or simply Delete this account as the law states. 


XXXX XXXX XXXX is allowed by Equifax to break the law. I have sent more than 6 letters to XXXX XXXX All certified mail which Equifax has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b  } I have ask them to several questions that XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Equifax to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.
Consumer complaint received 2017-12-19
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. (VA)

I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.
Consumer complaint received 2020-10-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2020-12-07
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: LEXISNEXIS (OH)

I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No. XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.
Consumer complaint received 2020-10-23
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. (MO)

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 )  US Department Education 11 ) US Department Education
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (GA)

I've been a chase member for almost 2 years maintaining 100 % on time payments while never getting close to my limit. one day i looked and my account is closed yet processing multiple unauthorized payments. i contacted multiple chase reps and noone had an answer for me. Ive never breached my side of the contract but they certainly have.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My primary residence 's mortgage servicer is Loancare LLC ( https : //www.myloancare.com ). InXX/XX/2020, I accepted their forbearance plan because I was financially affected by the COVID shutdown. On XX/XX/2020, I got an email stating that I have been approved for the forbearance plan ( email attached ) and that I should read the forbearance plan agreement carefully. I received an agreement letter ( attached ) dated XXXX XXXX. Before I entered the forbearance plan I was one payment away from having my PMI removed. Neither the letter that I received nor the email mentions that my PMI will not be removed for another 24 months and that I will be penalized if I accept the forbearance plan. I even made partial payments during my forbearance period. I ended the forbearance plan beginning of XXXX and made all the payments. I have never defaulted in any mortgage payments. 
I have requested Loancare several times for cancellation of my PMI. However the mortgage company is still forcing me to pay PMI for extra 24 months. 
I have complained several times, including an escalation call with the manager, XXXX, on XX/XX/2020 ( escalation request # XXXX ). She mentioned that the PMI will be removed in 7 business days. However, without notice they quietly rejected my PMI cancelation request. I did not receive any written letter or email from them. I called again on XX/XX/XXXX and talked with another manager, XXXX XXXX agent # XXXX ) and she insisted that there is no way the PMI will be removed and that I am forced to pay for PMI for another 24 months because of the forbearance plan. 
This deceptive behavior by Loancare has caused me an extra financial burden during COVID crisis. They advertise their forbearance plan as a compassionate act however they are defrauding people.
Consumer complaint received 2020-10-23
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. (CA)

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NC)

On XX/XX/XXXX I originated a loan with Conns HomePlus - financed amount of {$4800.00} for 29.97 % at {$21000.00} month for 34 months. Payments have been made consistently until furlough caused by COVID-19. During that time I received a minimum of 20 calls per day every day ( without VM message ) if payment was not received by the XXXX of the month. On XX/XX/XXXX I contacted a Conns and spoke with supervisor XXXX XXXX to see there were any temporary or permanent assistance available. He stated that the loan would be refinanced for XXXX for months at the same 29.97 % interest at {$150.00} per month starting XX/XX/XXXX with a payment of {$150.00} ach initiated by Conns on XX/XX/XXXX. After the payment cleared I was continually harassed with calls from Conns so I contacted a supervisor on XX/XX/XXXX to discover that the refinance had been rejected and I was not informed. They apologize for inconvenience and said they would submit it to their refinance department for reconsideration. The next day XX/XX/XXXX I called back they pushed it through with an increase of interest rate by almost 10 %. They said thats all they can do. This is ridiculous. At this point Conns has caused me to be late which will affect my credit due to no fault of my own, as i was made to assume that the original refinance on XX/XX/XXXX had occurred. Through their deceit, I am now stuck with the remaining balance of XX/XX/XXXX payment as well as one that is now due for XXXX putting me in an additional financial hardship that I would not have been in if not for the predatory practices. This company lies, makes false promises, steals, and takes advantage of people affected by COVID-19. Those practices must be addressed and corrected.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

After national emergency forbearance went into effect, Navient reversed my student loan payments that I tried to make. I made payments on XX/XX/20 ( {$540.00} ), XX/XX/20 ( {$670.00} ), and on XX/XX/20 ( {$670.00} ). These reversals followed a successful payment on XX/XX/20 ( {$540.00} ), which resulted in full repayment of one of my 5 loans. I contacted Navient and they responded, letting me know that my bank declined the payment. They suggested that " usually a number has been entered incorrectly. '' I contacted my bank ( XXXX XXXX XXXX ) and they indicated that they had no record of these transactions. My transaction history does not indicate any payments or reversals. I find Navient 's explanation to be suspect - my bank account information has been stored on my account with them for years and I am on an autopay system. No information changed. I suspect that this may represent a craven attempt to prevent repayment of the principal of the student loans during forbearance. Navient offered an address where I can send paper checks to pay. If this problem persists then I will pursue this option. I wanted to submit a complaint in case this is a widespread practice, in which case Navient should be held accountable for this.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Hello, I disputed fraudulent charges on my account online and called Citi to ensure they would be resolved. I was assured they would be taken care of but only some of the fraudulent charges were resolved, not all. This has caused my +800 credit score to drop 72 points. I have called 5 times and wasted hours trying to get a resolution to the remaining charges but nobody has been competent enough to tell me what is happening. I am now at the point of being forced to contact a lawyer for a miniscule {$18.00} balance on my account.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

In reference to my account with ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. 
XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows on time payments every other month. 

As you can see nothing is the same, there misinformation is hampering my ability to obtain a mortgage.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

INSPITE OF MANY REQUEST THIS CRIMINAL-EQUIFAX NEVER STOPS IN HARMING ME. EQUIFAX REPEATEDLY PUTTING WRONG ADDRESS IN MY CREDIT REPORT AS SHOWN BELOW : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FURTHERMORE, THIS CRIMINAL IS MANIPULATING MY FICO SCORE LOWER EVERY MONTH BY PUTTING FRAUDULENT/WRONG INFORMATION
Consumer complaint received 2020-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have my student loans currently with FedLoans. I am trying to qualify for Public Student Loan Forgiveness.

I initially had my loans with XXXX ( XX/XX/XXXX - XX/XX/XXXX ) which all have counted towards forgiveness except for my payment on XX/XX/XXXX. 

I then transferred them to FEDLOAD in XX/XX/XXXX. 

I made my payment on XX/XX/XXXX as shown in my bank records I uploaded ( see page 2 on both documents, payment to XXXX  ). 

I looks like when these were transferred, my credit for the month it happened was not given credit but I clearly made my payment. 

I tried to have FedLoan fix this but they have never done this. Please help!
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

In XX/XX/2020 I was sent a letter from Capital Accounts that indicating that I owed XX/XX/XXXX for unpaid dental bills that totaled about {$1000.00}. I asked for a detail of the bills that were not paid. What I received back from Capital Accounts was a statement with approximately 20 pages of 5 years of billing. The statement did not match payments to bills and did not indicate which bill ( s ) was/were unpaid. By reading the statement, I have no idea which bill ( s ) are unpaid, if any. I can not research any unpaid bills, if any, for the signed authorization for the service, the EOB and the amount paid. To this date, I do not have copies of any unpaid bills. I sent a letter to Capital Accounts which I have attached letting them know all of the issues I have mentioned. I also directed them to FCRA section 623 which states the following : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

And also states : ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

And finally : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Since the statement does not match payments to the bills, there is substantial doubt about the accuracy of the information because good bookkeeping policies were not in place.

Capital Accounts reported the amount presumed owed to credit agencies which decreased my credit score by about 100 points. Not only did Capital Accounts report the amount as unpaid the the collection agency, but I have to assume they did not indicate that it was disputed because my credit score dropped by 100 points. 

I am asking that Capital Accounts withdraw the reporting to the credit agencies. 

Thanks, XXXX XXXX