davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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. (FL)

I had submitted a disrupt two acount that I didnt recognize on my credit report with a company that I had hired XXXX XXXX XXXX in disprove the issue XXXX 2020 And they didnt respond to the dispute and I also have accounts that was deleted from XXXX XXXX and XXXX  that Equifax did update and the credit file number that Im a reference it to in the pictures that Im taking his full credit, XXXX XXXX file number # XXXX
Consumer complaint received 2020-08-15
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: WELLS FARGO & COMPANY (AZ)

I have a loan with XXXX, WELLS FARGO, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WELLS FARGO, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my studentaid.gov website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX  reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you
Consumer complaint received 2023-01-23
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. (MS)

I did not give my consent to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy. Please see 15 U.S. Code 1666b.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

This will be my third time placing a dispute with XXXX  in regards to the accounts that XXXX  is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into XXXX  I have since gotten no response from XXXX  about the reason why they have not removed these false accounts from my credit file. XXXX  suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and XXXX  has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue XXXX  in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires XXXX  to verify the validity of each account within 30 business days, I have not heard from XXXX  and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX  {$450.00} and ( 2 ) MEDICAL DATA SYSTEMS {$1700.00}
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Below is the complaint I just sent to Navient. 
" I recently came across an article written in the XXXX titled " The Accusations Against Navient '' and my issues is specifically in section # 3 " Handling Payments Incorrectly. '' I have had an issue with Navient regarding this issue and I would like something done about it. On XX/XX/XXXX, I started making payments on my loans. Since my Subsidized Loan ( current balance {$6300.00} ) is at 0 % interest thanks to the benefits of XXXX Military, I requested my mailed in check payments be allocated to my Unsubsidized loan ( current balance {$13000.00} at 5.75 % ). This was a painstaking experience because each time I had to call and spend a minimum of a half hour talking with a customer service agent to ensure my payments would be allocated solely to the Unsubsidized loan. Fortunately, after each phone call, I was able to get my payments allocated properly. However, starting on XX/XX/XXXX, Navient would no longer allocate my payments to just my Unsubsidized loans stating that I could not do that since it was a consolidated loan. After arguing for some time, I had enough with it and gave up. My question is why could I pay on my Unsubsidized loan only from XX/XX/XXXX, through XX/XX/XXXX, and then not be able to do so starting on XX/XX/XXXX? This is frustrating and I 'd like something done about this. My next step, if not handled properly, is to follow through with media sources and the consumer protection agencies. '' I have created a spreadsheet with all my payments proving my case that I would happily share with you. Thank you for your time and help with this very frustrating issue. 

Very respectfully, XXXX XXXX
Consumer complaint received 2020-04-20
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. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (TX)

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I do not recognize nor have I authorized these inquiries. I have a fraud alert on my credit profile and the above listed inquiries should not have been generated without contact and permission form me first. 

Please have experian delete these from my report.
Consumer complaint received 2020-08-15
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: MARINER FINANCE, LLC (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (IN)

Hyundai Motor Finance. I had a 36-month lease that I paid on-time. I turned in the XXXX XXXX on XX/XX/XXXX and recv 'd a document from the dealership acknowledging the return - showing no additional amount due. 

In XX/XX/XXXX, I start to get marketing materials for another lease/loan. I don't want another XXXX, so I recycle the papers. More materials come, more recycling.

I received an alert from my credit monitoring service stating a late payment has impacted my credit score. I look today & it's this lease I have paid in full. There is a {$420.00} fee charged to my account. I did not get any calls, any texts, any emails - nothing to let me know I had this amount due. The fee was added after I returned the car. The dealership did not tell me ; I left the showroom assuming I was free and clear. Apparently, Hyundai bills a fee to those who don't lease another vehicle with them. Seems like a penalty on an outstanding customer. 

I looked on the website where I normally made my payment and NOTHING stated I was delinquent. I clicked around, saw my final payment, saw the lease paid out on XX/XX/XXXX - all looked satisfactory. I kept clicking ... clicking and then saw the fee. 

I called Hyundai today and spoke with XXXX (? ) who gladly took my debit card payment over the phone. I paid the {$420.00} today ( XX/XX/XXXX ). 

I asked about credit reporting. She said it would reflect as paid. I told her I did not know about this debt, already have another vehicle, and would like for this to NOT impact my credit since I have always been a great customer. She stated Hyundai had to report accurately and there was nothing she could do to correct it. She told me that I was 214 days past due! She told me I should have charged-off in XXXX! She didn't know why I wasn't charged-off so she put me on hold. When she came back, she said because they were closed in XXXX ( COVID-related ),  everything had been pushed back 60-days. A charge-off! If I still had the XXXX XXXX, you can bet Hyundai would have tried to repossess it and not just charged it off. However, I don't have the collateral anymore, but I still owe a fee.? 

I should not have been billed the fee. I feel it is a harassing tactic for additional business and revenue. Hyundai let it impact my credit and because I am no longer a customer of theirs, is unwilling to correct the credit bureau like I asked, although they now have their money ( {$420.00} ).
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

I went to XXXX XXXX XXXX and worked with a young lady name XXXX. I chose the furniture I wanted and she told me about the promotion of 3 years to pay off with 0 % interest. I was paying my bill on time and notice I began to be charged 29.9 % interest. I had the balance paid down to {$1500.00} and it jumped to {$3000.00}. This was false advertising and it is affecting my credit I contacted the company Synchrony XXXX and they said that they closed the account because they can choose what they want to do with the account.
Consumer complaint received 2022-04-15
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. (TX)

in accordance with the Fair Credit Reporting Act the following companies HAS VIOLATED MY RIGHTS .... 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-23
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. (TX)

Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Consumer complaint received 2023-01-23
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. (TX)

This account my Equifax report for XXXX XXXXXXXX XXXX was deleted from my report XXXX of 2021. Equifax has now reinserted this previously deleted account onto my reports and I was never notified of this. All consumers have a right to be notified of any reinserted accounts with a five day notice which I never received and this is in violation of my rights as a consumer. I demand that this account is deleted from my reports.
Consumer complaint received 2020-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MN)

I was laid off from job and applied for a loan modification due to financial hardship. Submitted forms multiple times and multiple applications from XXXX-XXXX. Denied for loan modification and asked to resubmit and resubmit. During loan modification, foreclosed on home. Had legitimate layoff and had to move. Tried to sell, couldn't. Loandepot.com rejected short sale. Refused to offer any help. Loandepot.com has done zero to help in a situation with a legitimate hardship. We have been applying for a loan modification for two years with no end in sight.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/XXXX ; First interaction with Wells Fargo ( WF ) to obtain a home mortgage. Chose WF based off lowest interest rates. 

XX/XX/XXXX ; Purchase Contract for home buying signed, attorney review begins. 

XX/XX/XXXX ; Pre-approved by WF for a home mortgage. 

XX/XX/XXXX ; Attorney Review complete. Under contract for home buying. Closing date is stated to be XX/XX/XXXX. 

XX/XX/XXXX ; No approval letter from WF yet. Seller has a tenant living in the home, no certainty of what is going to happen. 

Today, XX/XX/XXXX ; Still no approval letter. 

My family are on a military PCS transfer from XXXX  to XXXX. The regular stress during a move across country coupled with the uncertainty dealing with the current pandemic elevates everything. My wife and I responded hourly to every request, email and phone call during this home buying experience. Still, no approval and no home. We have provided over 55 documents to WF as requested from them. Along with countless phone calls and emails. Still, no approval and no home. It has been 49 days from pre-approval, with our email and phone responses being immediate. Still no approval and no home. We were surprised by the seller having a tenant but they will not be vacating for another 30 days and that the purchase contract date of XX/XX/XXXX was just an " estimate ''. Still not approved and no home for another 30 days. 

At multiple points in this relationship with WF, we would of switched to another mortgage company. This was not possible in late XXXX due to the mortgage process taking 30-45 days, as per another Lenders estimate. We thought the purchase contract closing date of XX/XX/XXXX was The Day, so there was not enough time to switch lenders. We can not back out of the purchase contract without a denial letter. We are not being approved, even after every request being met. We demanded from WF to either be approved or denied, which was met with, " one more document is requested. '' For the past 26 days, we have been living in hotel rooms, and with family or friends. Zero certainty if we will be approved to buy our new home, be denied after all this time and then have to rent, or be sued by the seller for wasting their time. But as on today, we are not approved, also not denied and still no home. 

I have reported to duty in my new XXXX XXXX XXXX unit, sleeping on my friends couch while me wife is staying with my grandparents 3 hours away. 

*Any documents requested for proof, evidence or assistance can be provided. 55+ mortgage approval requested documents. 100+ emails. A few dozen phone calls. 4 WF employees involved. WF executive customer service complaint department notified and case opened. 

Please help us.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/20 & XX/XX/20 I wrote Transunion a dispute letter on items reporting inaccurately on my credit report. They in turn wrote back on XX/XX/20 that items were verified correctly. I know my rights as a consumer so I in turn wrote another letter on XX/XX/20 asking for their method of verification. On XX/XX/20 Transunion wrote back that a third party is insisting me and will not pretty much respond to my inquiry. This is baffling because I am a consumer and know my FCRA rights, now I am writing to put in a formal complaint as they are in violation for completimg my dispute and using a stall tactic.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.
Consumer complaint received 2020-08-13
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. (TX)

Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (DE)

I have been a loyal customer to Macy 's Department store. Recently, I have been paying my credit card on time, sometimes in full. I had some financial difficulties in the past. I managed to improve my finances. I was downgraded from a XXXX credit limit to XXXX. I spoke with Ms XXXX ID XXXX XXXX department after not being instantly denied an increase, but, they need more information. She explained to me that I could not get an increase from a XXXX XXXX  credit increase based on my past credit report. She did not even take the time to do a thorough assessment to see my credit improvement. I would like an audit to compare if I am being treated fairly based in the fact there is a pandemic and I'm believing some people my owe more and have financial hardship are give more leniency with the financial status. I am trying to support Macys as I know stores are closing and assist the economy, but, they are not assisting me. Im sure college students are getting credit cards without a job status with higher limits. But, Macys reward me as a platinum member without the platinum status.
Consumer complaint received 2020-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

XXXX XXXX {$230.00} was revived from XXXX  sale funds held fro shipping confirmation tracking shows as customer received XX/XX/XXXX it is now XX/XX/XXXX & Paypal is still holding {$220.00} I constantly call get a run around ask for a supervisor put on hold for hours to then be hung up on and start the never ending cycle all over again