davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am an XXXX XXXX XXXX XXXX in a XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX.  This is my 13th year as a XXXX, but they are telling me I only have 3 years of qualifying payments toward the required 10 years of loan repayments. The program is unnecessarily tricky, and I was encouraged to utilize forbearance rather than counseled earlier to go with income driven. There was also some form that wasn’t filled out in order for years of payments to count. This is rubbish and it’s wrong. Please find a way to make this company correct the years that should count toward my loan forgiveness. Please help me!
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FMA Alliance, Ltd. (GA)

I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX XXXX lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX and XXXX  and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
Consumer complaint received 2022-08-09
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit RepoXXXX. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX  XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2020-12-08
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. (GA)

There are several issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items I read parts of the FCRA and I am aware of my rights
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (VA)

1 ) Credit Control LLC of XXXX FL sends me mails to settle an alleged XXXX XXXX  credit card account that I never signed up for.

2 ) XXXX XXXX is billing me fees for a XXXX XXXX credit card I never signed up for.
Consumer complaint received 2019-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CL Holdings LLC (OR)

this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .
Consumer complaint received 2020-10-24
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. (NY)

I went to XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.
Consumer complaint received 2020-10-24
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: CITIBANK, N.A. (CA)

In XXXX I made 2 deposits on a cruise scheduled for XX/XX/XXXX. There were 2 payments totaling XXXX. The cruise was canceled on XX/XX/XXXX due to Covid. The cruise line has stated they will be returning funds in full in 90 days. XX/XX/XXXX was 90 days. I have asked Citibank twice to assist me in obtaining the funds. Twice they have refused citing the fact that the deposits were made in XXXX. They also said they contacted the company and the company is going to declare bankruptcy. This has been refuted by the travel agent and I have no confirmation of this. This is a rather large sum of money and I would like it returned to me. Citibank is not interested in helping with this.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Because I worked on a XXXX XXXX, my information ( and my wife 's and kid 's ) was compromised in the Equifax breach. As a result, I froze all three credit bureaus. 

Recently, my wife and I decided to purchase some property and so needed to unfreeze our accounts. Unfreezing our accounts with XXXX XXXX and XXXX  was simple. But Equifax would not let me log in with my password and unfortunately I do not have any record of the PIN that claimed they sent me at the time. 

So I tried calling to unfreeze my credit. I have called three times and in every instance they were " unable to verify my credit '' due to what are clearly communication issues with the people on the phone ( for whom English was not their first language. ) Their verification process consisted of multiple choice questions that were difficult to hear and understand. I don't use a lot of credit, so the questions especially didn't make sense. Most recently, they said they could only help me if I could tell them the exact month that I froze the account ( years ago ).

As a result of failing whatever their protocol was, I was told I had to physically mail in documents to verify my identity in order to request the freeze be removed, which I did. Twice. The first time, I temporarily unfroze it. The second time, I unfroze it permanently. I also asked them in my correspondence to please restore my online access so I could manage my own account. I received two letters from them saying my credit had been unfrozen. But despite my requests, I have received nothing about how to restore and access my account online. 

Today, at the bank I learned that my account is still frozen, so I can not access my credit. What's more, they have not restored my online access nor given me a way to do so, despite me sending them overwhelming proof of my identity. They are now jeopardizing our ability to access credit. And I am left with no alternative but to call them again. 

I have spent hours on hold and then talking with these people without satisfaction and there is no other alternative. I don't know if they have inaccurate information in my file or if I am just not understanding them or if what they are asking for is just so obscure that I don't know what they are talking about. But either way, they are holding my credit XXXX. It is absurd that they have that kind of power and the consumer can't do anything about it. 

I have paid my bills on-time my entire life. Yet, despite having substantial assets and a high credit rating, my wife and I are unable to access credit because of the the incompetency of Equifax.
Consumer complaint received 2020-10-24
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)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts 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
Consumer complaint received 2019-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXXX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Consumer complaint received 2020-12-08
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: DISCOVER BANK (CA)

I placed an order with XXXX on XX/XX/2020. 

I did not receive my order. I made it clear to both XXXX and Discover that it would have been impossible for the packages to be delivered as no one was home and my property has a locked gate and a big dog with a dog warning label. The only possible place the package could have been delivered was either a neighbors hour or the sidewalk. None of my neighbors have the package and it is no where near my property. Discover refuses to grant the dispute in my favor because XXXX provided proof of delivery. But, there was no signature or picture provided confirming proof of delivery. I have paid XXXX $ for products I did not receive. This not okay.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted online to place a credit freeze on my credit report at Equifax but was instructed by their website to download a form, fill it out and mail or fax it to the address indicated on the form along with a copy of my Social Security card and driver 's licence. I mailed the form along with a copy of my driver 's licence and a copy of my Social Security card to the address indicated on the form from around the XXXX XX/XX/2020. To date I have not received an acknowledgement from Equifax that they received my documents. I again attempted online to place the credit freeze on my credit report and failed to do so, I called Equifax and attempted to get it done and this was also a failure. I have uploaded a copy of the form I mailed to them
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I had two fraudulent charges from the same vendor ( XX/XX/XXXX) show up on XXXX XX/XX/2020 on my Chase credit card. Only one of the transactions triggered an alert. I received that fraud alert and I acted on it and the charge was dismissed ; but the second charge of {$95.00} did not trigger an alert and now I can't get Chase to refund me the money. 

Their website instructions say that I can click the " Dispute a Transaction '' link in theXX/XX/XXXX detail tab, but that link does not exist. I have tried for months to reach Chase, but the only way to dispute a claim is to call their 1-800 number, and every time I've tried that no one has picked up or I have been disconnected. 

The fact that they don't have a self-identify fraudulent activity functionality, don't have the bandwidth to answer their fraud hotline, don't have a chat function on their website to assist customers, haven't provided an email address, and can't flag a fraudulent vendor within their system are all concerning. A bank like Chase should have these measures in place. They do not have basic fraud reporting measures in place.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

Barclays Credit Card - continuation of CFPB Complaint # XXXX After reviewing their resolution multiply errors were founded in their response regarding bank debits and credits and the numbers of transactions without providing additional tracking information beyond general statements. The initial payment was accepted by Barclays on XX/XX/XXXX ( the automatic payment date ) and taken out of my bank account of {$2100.00}. Yes a stop payment was placed on the duplicate bill of {$2100.00}. Their statement of Period of XX/XX/XXXX - XX/XX/XXXX states payment received on XX/XX/XXXX. The stop payment of duplicate payment took place on XX/XX/XXXX. I feel Barclays did not provided inaccurate documentation and tracking off payment. My credit union provided Barclays with tracking numbers and the necessary information. Barclays have provided me with information that clearly does not match my bank statements. Barclays did state that duplicate billing issues occurred during this time period and I feel their system reflects errors of payment. 

I dispute that my XX/XX/XXXX statement was not payed or this case should not have been closed.
Consumer complaint received 2020-10-24
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-08
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. (MI)

XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX  XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX/XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX/XXXX  several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX-XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXXXXXXXXXX  several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

Equifax credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Equifax. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified Equifax. 

XXXX XXXX, XXXX  XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified Equifax.
Consumer complaint received 2020-10-24
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. (NJ)

I've contacted Equifax on numerous occasions in regards to fraudulent/unauthorized inquiries and in response I was told a fraud report would need to be provided. The report has since been provided, I also confirmed that it was received via telephone by a Equifax customer representative. I just received a letter in the mail today saying that they would not be removed due to " XXXX XXXX ''! This is absurd! Ive submitted every thing I need to submit I've also added the fraud alert as requested by them and these inquiries need to be removed expeditiously! I feel like this credit bureau needs to be investigated! They aren't responding to disputes in a timely matter also! XXXX Inquiries listed below needs to be removed. 


*XXXX  XXXX - XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX/XXXX- XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX * XXXX XXXX- XX/XX/XXXX *XXXX/XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX *XXXX  XXXX - XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (MO)

I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were XXXX, XXXX  XXXX  XXXX  and were a mediation company and not the debt collector. The debt collector was actually UHG Llc. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (TN)

I did a modification with M & T bank back in 2014. I was told that the money owed would be put on the end of my loan. Today I found out there is a second mortgage of {$15000.00} that I knew nothing about. I was never told there would be a second loan! I spoke with a rep by the name of XXXX that was rude then got a supervisor by the name of XXXX. All these folks keep saying was this {$15000.00} was in paperwork I signed. As I explained to XXXX if I was told a second mortgage would be put on me then I would sign for it. M & T Bank and this other company basically has me owing almost {$85000.00} for a house worth {$66000.00}. I wasnt given any money so i dont know who got the {$15000.00}. I feel I should be let out of this since I was lied to the entire time. I want all communications between me and M & T listen to so you all can see I was never told about a second mortgage. I would have just let them foreclose before owing that much for this house. I am trying to purchase another home and owing this much wont allow me to sale this home or purchase the new home.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PR)

For many years I have been facing an execution process of my property that was financed through a conventional loan through XXXX XXXX. c/o Seterus. 
I recently learned that XXXX was facing some cases or lawsuits due to mismanagement of the mortgage loans and the undue payment of interest in which I was a party affected. 
I understand that I have been a victim of these mismanagement and they continue to affect the present. 
I am currently at imminent risk of losing my property, I understand that I am a victim of fraud. I need to take action immediately.