davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
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. (IL)

This is related to the following complaint already closed. 

XXXX Equifax is reporting remarks on credit reports of mine obtained from the Fair Issac Credit Corporation that state I had a " Chapter XXXX Bankruptcy and/or Closed by Credit Grantor '' for the following : Two XXXX  XXXX accounts XXXX XXXX account One mortgage account ( XXXX  ) One XXXX  account Additionally they are reporting a remark stating : Account closed by credit grantor for : One XXXX account. 

The issue is that these remarks are independently hurting my FICO scores apart from the known fact that for most of these accounts there was a bankruptcy. 

FICO has stated that remarks published by the credit bureaus independent of the acknowledgement of a credit closure negatively affect my credit scores and I would like them removed. 

I have been able to successfully obtain their removal from XXXX  and XXXX, but have been unable to do so with Equifax. They state I have to provide them some document from the bankruptcy court, which makes no sense.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

I went online to check my balance on my XXXX XXXX through synchrony bank and when I logged on I saw a transaction on my lazy boy account through synchrony Payment Due Date : XXXX Statement Balance : {$4400.00} Total Minimum Payment Due : {$310.00}, I had no idea what this was and I have filed a fraud claim with synchrony. every time I call I get a XXXX  XXXX that will not give me any information, I have filed all the paperwork they have requested, but XXXX XXXX has a sales manager that does not know what he is doing, I have got messed over by this guy last year XXXX, and I had to walk out of the store because this guy was out of his mind and did not know what he was doing, I have contacted the corporate office and XXXX  and I am now dealing with a new issue.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IA)

I have my home loan through Quicken. They did not pay my insurance premium to my insurance company XXXX from my escrow acct they only XXXX of over XXXX of it. I live in Iowa and I have an open damage claim from the XX/XX/XXXX XXXX  with XXXX mph winds. Now ins. Company has canceled my policy and Quicken has taken out policy for only XXXX on my XXXX home as that is all I owe. Plus the policy covers nothing else and will cost me {$55.00}. More a month I am XXXX years old and have owned my home since XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX XXXX
Consumer complaint received 2018-08-17
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: BARCLAYS BANK DELAWARE (NY)

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED.

1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX   Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

The college I attended closed and also I was unable to get a job after graduating. I eventually attended a different college, pursued a different and was paying on that previous loan. I have repeatedly attempted to pursue an income based payment plan with no success, on top of being forced into forbearance. Now my loans has increased as well as interest rates. I have reaching out and spoken to various Navient representatives but have been getting the run around. Now I am completely in debt.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (MT)

I have an account with Money Network LLC a company of First Data, around XX/XX/2020 I noticed that someone was phishing my account and I called Money Network to have them issue a new card due to this activity, I received a new card on XX/XX/2020. Then on XX/XX/2020. {$440.00} was fraudulently taken from my account to purchase gift cards, I immediately notified Money Network of my claims and started a dispute process. They issued a new card and told me that my account would be safe. I asked them to also change my routing number and account number so I was assured this would not happen again, they assured me with the new card that my account was safe and they could not change the account number or routing number. Then on XX/XX/2020 the same thing happened in the amount of {$650.00}. I immediately called Money Network and once again started another dispute process. Which again they issued a new card and refused to change my account or routing numbers. Then on XX/XX/2020 my federal tax return in the amount of {$1200.00} was fraudulently taken from my account and used to purchase gift cards from XXXX, I immediately called money network and once again I started a dispute process stating that I wanted my money refunded to me and that I wanted my account and routing number changed. Again they refused to change my account and routing number and once again they only issued a new card. Now as of today XX/XX/2020. My Federal stimulus money in the amount of {$1200.00} was fraudulently taken from my account to once again purchase gift cards. I have had to appeal these first 3 cases numerous times and have provided Money Network with documents proving that I did NOT make these purchases. Yet they continuously deny my claims stating that I am NOT providing them with enough information. I have asked numerous times to talk to the Dispute or Fraud Department directly to which they claim that it is an internal  Department and there is no direct phone number and no way for them to connect me to the dispute or fraud department. Also it is stated in their own policy and agreement : under Disputes and Error Resolutions that if more than 10 business days are needed to research the transactions they will credit the account within 10 business days for the amount in question. Which has not been done. On XX/XX/2020 I was told that all of my existing disputes were denied once again and that my account had definately been hacked.
Consumer complaint received 2021-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/XXXX I submitted documents to continue my forbearance as they will only grant 6 months at a time. I have been previously told that after this 6 months was up I can apply again and that I have 18 months left of forbearance after I use this 6 months. On XX/XX/XXXX I receive a response that I cant have my forbearance applied back to back until I make one full month of payments. This has never been disclosed to me and has never been an issue in the past. I called the third party company that handles all the responses and asked to get in contact with the lender. They advise me that they dont have a phone number and can not provide me with an email or any way to get in direct contact with the lender. All they were able to do is direct me to the lenders website which leads to another company that does not get me any answers as I have tried to call that number in the past. They assured me they would raise my concern and I would get a response. Its now XX/XX/XXXX, my loans are past due, I cant make the payments due to helping my sick mother with money due to medical issues and I have no response from the company UAS XXXX or the lender Younomics of why they have changed rules yet again ( not the first time they have suddenly changed rules ) nor have I been provided any disclosure of changes.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (PA)

Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.
Consumer complaint received 2018-08-17
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. (TX)

On XX/XX/2017 I rented a car in XX/XX/XXXX, XX/XX/XXXX.

When I went to charge gas, they charged with a different fuel ( diesel instead of regular gas ). It was in XX/XX/XXXX, there was a language barrier.

The car stop working a few miles after I left the gas station in the middle of a freeway, it was night time.

The police towed me off the freeway, the car rental took the car in a truck, and my family and I were left in the middle of who knows where in a gas station in the south of XX/XX/XXXX. I called the credit card, they said they will send help, but a truck came took the car and say bye. We took a taxi to a hotel and the next morning as I needed to return to car that day just after the inconvenience, as they already had the car we continue with our vacation trip. They charge me XX/XX/XXXXFrancs {$1200.00} extra in the car rental. When I submitted a claim to my credit card, not until a year later they told me that was not covered, only body work. Is that true? If the car stop working for charging the wrong fuel and left me in the middle of nowhere, am I on my own? To note is that it wasn't intentional, I just ask to fill the tank and I was charge the wrong fuel. I di n't know this until the car rental told me.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX  with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX I got behind on my payments and I reached out to " Keep your Home '' program, a California program that assists people like me to avoid foreclosure. I qualified for {$25000.00} assistance. The issue was that the bank ( Wells Fargo ) had to accept the amount on my behalf and if so it would have been paid directly from the state to the bank. I completed and sent every document sent to me by the bank related to modifying my existing loan. The problem started to get worse when the bank representatives were often replaced and I had to deal with a new person constantly and I had to resend everything again and again. One of the last representatives I dealt with asked me to fax my loan modification documents from one of the bank branches. And I did. I used their branch located in XXXX XXXX in XXXX XXXX, Ca. Even though I had proof all documents were faxed, the bank still claimed fax was not received. While all of this was happening I was receiving collection calls from the bank. I was told my past due amount had increased a lot because some lawyers fees had been added to my past due amount. I asked them what was that all about and they said it was for legal fees for handling my case. I was extremely desperate. Then when a collection agent called again he mentioned if I wanted to accept something called short-sale. He explained it was better to do that than a foreclosure. I begged not to do that and asked to please accept the {$25000.00} from the state so I could keep my house but they said the bank policy did not allow them to accept it. I was about to have a XXXX XXXX and in desperation, I accepted the short-sale offer and I finally lost my house in mid XX/XX/XXXX. 
About a week ago on Friday XX/XX/XXXX I heard on the news about how a Wells Fargo computer error was the reason hundreds of people lost their home. The news even mention how the error added legal fees that eventually were part of the reason for loan modification denials. I already contacted the bank in person and I could not believe how the two employees I spoke with claimed they did not know anything about the news. I asked to speak to the bank manager and he was there but was not available to speak with me. I waited 45 minutes.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NY)

I received a notice from Professional Account Management , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. The notice pertains to a NJ XXXX XXXX  toll that on a vehicle that had XXXX XXXX. NJ was promptly notified in the manner specified on its communication. Therefore, the toll was paid. 

In response to the notice from Professional Account Management I called the number on the notice to dispute the claim. It appears that this is a non-working number. I have been on hold for over an hour. There is no other way to dispute the alleged debt ( {$54.00} ). A collection company is not be permitted to use an unattended phone number to receive dispute.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX  # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (VA)

In accordance to the fair credit reporting act XXXX has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission 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 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance to the fair credit reporting act XXXX  has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (PA)

I have an XXXX card that I was added as an authorized user to in XXXX. I was removed as an authorized user in XX/XX/XXXX and I disputed the account with Experian twice. Both times, Experian kept the account on my report, which should not be allowed as I have long been removed as an authorized user.
Consumer complaint received 2020-04-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Veripro Solutions Inc. (CA)

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by Veripro Solutions. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted Veripro Solutions and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however Veripro Solutions says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and Veripro Solutions is taking advantage and is bullying consumers.
Consumer complaint received 2022-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax mailing address XXXX XXXX XXXX, GA XXXX, contact noXXXX  My name is XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX contact number XXXX, email address XXXX. 

On XX/XX/2022, I submitted a copy of my drivers, license, a copy of the XXXX police department fraud and a copy of the affidavit US Government fraud/ identity theft report and a duplicate copy of social security card to XXXX XXXX All the request information was submitted via USPS certified mail - Tracking No. XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022. Per USPS confirmation - Delivered date XX/XX/2022, at XXXX. As of XX/XX/2022. As of XX/XX/2022, time XXXX central time zone I have been on hold. Waiting for management to answer my call.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (PA)

On XX/XX/2020 I applied for PPP with respect to a small sole proprietorship I own. Since I did not have a business banking relationship PNC would not allow me to apply. They said that because I run my business through a personal bank account ( to avoid monthly fees ), I couldn't submit my application online and that they would follow up with an application procedure. 

This PPP program in the CARES Act was specifically intended to include sole proprietors and independent contractors. 

PNC never sent me a link to the application for self-employed persons. They never notified me that my application would not be accepted. The only thing that happened was on XX/XX/XXXX they posted a note to their website indicating that if an application wasn't submitted by XX/XX/XXXX would not be funded. 

This was fraud and discriminatory behavior. They discriminated against small business and minority  business owners who are less likely to have business bank accounts.
Consumer complaint received 2022-10-24
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. (MA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries and were not authorized on my credit consumer report with Equifax