davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
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. (VA)

I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.
Consumer complaint received 2017-07-11
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: TCF NATIONAL BANK (IL)

I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.
Consumer complaint received 2017-07-11
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. (GA)

I have three things listed under derogatory marks that I need removed and working with Equifax has been to no avail. I have two public records ( Account Numbers XXXX and XXXX ) that need to be removed. I do not owe these balances. I have contacted both XXXX XXXX and the corresponding courthouses and they confirmed with me that Equifax did not contact them to confirm or dispute this information. When I submitted an FCRA Prodcedure request on X/XX/2017 they did not respond. I send that letter certified and faxed it as well. Also, there is a collection account under the name of XXXX XXXX XXXX for a balance of XXXX. I am not responsible for this debt, as it is a worker 's compensation case. I have already cleared this information with both the original creditor and my previous place of employment. However, Equifax refused to remove it from my report and continues to reflect inaccurate information. There are also twelve ( 12 ) inquiries listed on my credit report that are scheduled to fall off within the month, only one of which was actually authorized.
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

Issue is with XXXX XXXX XXXX I am trying to get my last two ( 2 ) loans a ) out of default and b ) paid off. 

The website shows i owe nothing. The automated phone line says I owe nothing. I paid off a loan with them this year and it has not been reported as paid with the credit bureaus. 


I contacted the Dept of Ed Rehabilitation Group who says my loans qualify for rehab because they have only defaulted 1x. However, XXXX XXXX says they were transferring in XXXX of 2016 and Dept of Ed did not accept yet. 

Dept of Ed says XXXX XXXX did not send it to them and they need to re-submit it because there is nothing for them to address. 

I have spent hours on the phone trying to find a person with XXXX XXXX to resubmit it to the Dept of Ed so I can  have this cleared up. I have no physical documentation of the loans or my status because online shows nothing. 

Please help me get it transferred to the Dept of Ed so I can get this rehabilitated and removed from my credit.
Consumer complaint received 2017-07-11
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. (NC)

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Consumer complaint received 2022-07-05
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)

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Equifax decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the account that needs to be removed from my that is unknown to me : XXXX XXXX  XXXX
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (GA)

I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.
Consumer complaint received 2023-03-01
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. (TX)

This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false reporting
Consumer complaint received 2017-07-11
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. (OK)

I received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX of 2013 I became unemployed, I had mortgages on two houses. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I tied for almost 3 years to sell XXXX eventually even short sale but was unable to. My saving depleted I gave the house back to Wells Fargo Bank. I had faithfully paid the mortgage for 14 years on the XXXX house, until I could no longer afford to pay them both. I have never missed a payment on my XXXX house. They have turned the Debt collection over to XXXX XXXX XXXX XXXX XXXX in XXXX Texas, in the amount of {$48000.00} which is on my credit and I 've contested it with the credit companies. ( see my credit report ). There is no Judgment against me or my wife, Wells Fargo knows full well my situation, I wrote a letter to them while trying to short sell and there were many calls made to loan officers. They have made their initial investment several times over through just the mortgage payments I made, then they sold my house. Wells Fargo shows account balance of XXXX. XXXX shows XXXX owed at time of acquisition, market value of XXXX? Now, I 'm XXXX ( XXXX XXXX ) and have a XXXX ( XXXX ) XXXX XXXX XXXX. I have to sell our dream house on the beach to move close to XXXX XXXX Hospital so I can possibly get a XXXX XXXX, they have made it impossible to get a mortgage, and have no judgment against me. Just put it as a bad debt in my credit report. Please help me and my family if you can, I feel I 'm being treated unfairly. I 've had good credit most of my life and pay my bills still. I gave back the house, I 'm a veteran, but that does n't count for much these days. I have no place to turn to!
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.
Consumer complaint received 2017-11-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

Navient keeps adding balances and subtracting balance from my account. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of forbearance. I respectively ask that the dates from XXXX - XXXX be removed and set to current. As soon as I contact Navient my loans were put back in forbearance. Also I want all loans older 7 years off my credit report, as the is more than the SOL for my state, I need this done ASAP, as Navient is doing illegal collecting and reporting practice
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. 
Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. 

There is a server side issue - Bill pay is getting timed out
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (WI)

I received a letter " Notice of Right To Cure '' from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX through regular mail delivery at my home address mailbox. The letter is dated XXXX XXXX, XXXX, yet I received the notice on XXXX XXXX, XXXX, an obvious gap of six days due to XXXX internal delays and mailing said notice by regular mail delivery not by express, registered, nor certified. 

Subject of the letter Account XXXX. XXXX Retail Installment Contract dated XXXX/XXXX/XXXX, Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states " XXXX XXXX, XXXX, is the last day for non-payment of an amount due {$1300.00} to cure the default if I do n't pay by the due date we may exercise our rights under the law. These rights include the right to repossess the Vehicle. If you object to us taking possession of the vehicle, you may notify us in writing, no later than 15 days from the date of this notice ( Which I previously stated in this complaint, I received the letter XXXX XXXX, XXXX, not by registered or certified mail service. ) demanding we proceed in court. '' I responded to this letter in a reasonable and timely manner by mailing my response in a " Certified Letter, '' on XXXX XXXX, XXXX ( within 15 days of me actually receiving the notice ). USPS tracking system verified my letter was delivered to XXXX on the date of XXXX XXXX, XXXX. In the letter, I objected to repossession and demanded XXXX XXXX XXXX proceed in court.I have not received further written communication from XXXX XXXX XXXX since I received the said notice nor since I responded to it in writing. 

On XXXX XXXX, XXXX XXXX violated my right ( 15-day Rule to Respond ) to proceed in court by  repossessing the said Vehicle from my residence. This action by XXXX violates State of Wisconsin Statutes. 

In my opinion, based on the above-outlined experience with XXXX XXXX is a Predatory Lender seeking to rack up as much money from its clients by charging them racketeering high-interest rates when other lenders have refused to offer reasonable finance charges to those with challenging credit histories yet full employment status.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.
Consumer complaint received 2017-11-16
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. (MD)

I have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

The buyer XXXX sent {$200.00} u.s money to my PayPal account XX/XX/2022 for XXXX breast pump. 

I posted my breast pump through XXXX XXXX  on XX/XX/2022 XXXX messaged me on XXXX and said she was going to send payment through PayPal on XX/XX/2022 i sent the product on XX/XX/2022 and provided tracking info also she received the breast pump on XXXX.and confirmed she was happy and the pump was what she expected with no issues then contacted PayPal and told them the same and to release the payment to my PayPal balance so they did release the funds. I then tried to withdraw from PayPal balance to my debit card and they asked for more info to verify my identity so I did everything as they asked me to do with no discrepancy. And within a second or two the decision was to permanently limit my account and hold funds for 180 days I am not a business I do not own a business nor do I know anything about how it works I am a normal mother who sold her the best working breast pump I owned to help pay my rent!! I needed that pump but I also had to do what I had to do to keep a roof over my 8 childrens head! I did not expect this or I would had never done it that way! But I will not let this go un heard I will take legal action If I do not get my payment from them in the next XXXX hours and I will start a signature petition because of their unfair unexplained actions against there customers who are paying there high fees to this billion dollar company who is holding our money to collect the interest from it while we sit and stress our next gallon of gas and the next meal we can provide for our children and what bill we will pay and try to extend another to keep our homes going. This is just absolutely insane!! If u don't want my business then ok fine but you can not keep my money when the other party has confirmed they have the item and are happy theres not any reason to at that point other than you are a fraud yourself and your dead wrong!!
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

Credit Karma recommended I open a credit card with XXXX with an excellent approval odds approximately XX/XX/2022. I applied online and was not accepted. I called XXXX  and told them what had happened that Credit Karma recommended I apply. Since then I have deleted the Credit Karma app.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

Navient keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score and has caused inaccurate recordings on my credit file. Reporting is an installment loan of XXXX last updated on XX/XX/XXXX, an installment loan of XXXX last updated on XX/XX/XXXX. Also Navient is reporting an credit card balance of XXXX last updated XX/XX/XXXX Navient is reporting inaccurate account types that complicates my credit file to myself and other creditors. I am in the middle of financing and their frequent updates are detrimental to this process. For one I was in forbearance and was still receiving mail to make payments. Navient was also reporting late payments during the times of my forbearance in XX/XX/XXXX. I want all loans older than 6 years off of my credit report, as that is more than the SOL for my state. I need this done immediately, as Navient is doing illegal collecting and reporting practices.