davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
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. (CA)

I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (ID)

In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.
Consumer complaint received 2017-11-15
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. (SC)

There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - TRANSUNION AND XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I wrote a letter to Experian Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Consumer complaint received 2017-11-15
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: CITIBANK, N.A. (NV)

Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.
Consumer complaint received 2017-09-27
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. (CO)

Unauthorized hard credit inquiry, on XX/XX/XXXXXXXX XXXX XXXX used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and XXXX in writing to no avail. XXXX and XXXX indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but Equifax and XXXX refused to follow suit.
Consumer complaint received 2017-11-15
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: Experian Information Solutions Inc. (NC)

I sent a request to Experian on XX/XX/XXXX, asking that agency to investigate errors that appeared on my credit report. They are supposed to respond within 30 days, but I have not yet received any correspondence from Experian.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. RECIEVABLE RECOVERY NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.
Consumer complaint received 2017-09-27
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. (GA)

Equifax continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. The agent that I spoke with two days ago at XXXX stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with Equifax has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do.I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.
Consumer complaint received 2017-11-15
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: EQUIFAX, INC. (MO)

I have been trying to sign up for Equifax 's Trusted ID Premier credit monitoring service since XX/XX/XXXX and have had no success. I first emailed customer support on XX/XX/XXXX because I received an email stating that there was a problem activating the Equifax credit monitoring service and to email 'XXXX ' for assistance. I emailed them on XX/XX/XXXX and never heard anything back, so I emailed again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that they had no record of my registration with Trusted ID. I re-registered on XX/XX/XXXX and got an email back stating that I could now activate TID Premiere. I have tried since that time probably a total of 20 times to active this service and have received an error message back stating " system is unavailable, please try again soon ''. I called customer service at XXXX today XX/XX/XXXX and was told that there was no record of my registration by either of my phone numbers and I needed to register for the 4th time. I re-registered again just now and received an email that I could now activate the service. Which I then got the same " system is unavailable, please try again soon ''. I have a hard time believing that this is anything other than a deliberate attempt by Equifax to keep from having to provide the service that it stated it would.
Consumer complaint received 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters sinceXX/XX/XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business wth2 XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-09-27
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. (GA)

Experian continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I wrote a letter to XXXX XXXX XXXX to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX/CareCredit So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Consumer complaint received 2017-09-27
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: BARCLAYS BANK DELAWARE (MO)

I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
Consumer complaint received 2017-11-29
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. (GA)

My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (IL)

My Synchrony Bank XXXX XXXX Credit Card issues monthly reward checks based on purchases that month. The past XXXX hard copy credit card statements were not mailed to me along with my reward checks. I lodged a complaint for the first instance in XXXX for the bill cycle end date of XXXX XXXX, XXXX with due date of XXXX XXXX, XXXX. Many emails back and forth and I was told I would be receiving a new hard copy with check. The hard copy and check both were stamped " duplicate '' and the reward check could not be used. This month bill cycle end date of XXXX, XXXX, XXXX was also never received. So, they not only did not send my XXXX reward, they now owe me a XXXX reward. Obviously no one is trying to figure out who is screwing up over there but that is not my problem. I will no longer use the card unless and until they submit to me the earned rewards for XXXX and XXXX and all future earned rewards as well.
Consumer complaint received 2017-09-26
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. (WA)

It was recently discovered that a very large data breach occurred within the Equifax system. After some research I was directed to Equifaxsecurity2017.com to determine whether my personal information was impacted. The following message was shown after providing my personal information : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXX. 

While I have since enrolled in Equifax 's XXXX as well as XXXX XXXX  XXXX programs, which are both FREE. I have, in addition been able to put a block on my credit profile for both of these agencies without a cost. 

The problem I now have, is when trying to achieve the same sort of credit block for XXXX, I am directed to a FEE-ONLY service unless I qualify as a victim of identity theft. 
I feel that based on the type of data that was compromised ... Social Security numbers, birth dates, addresses and even some driver 's license information ... all of which can now be potentially used without my knowledge for the rest of my life, that I would qualify as a victim of identity theft. Therefore, I feel I should qualify for a free credit block/freeze option from any bureau collecting and reporting my information. 

XXXX specifically requests a valid copy of a police report, investigative report or complaint filed with law enforcement agency to qualify for a FREE credit freeze. 

Please send me a certified copy of my formal complaint so that I can protect myself against any potential future threats against my livelihood.
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (CA)

Initial I received a flier for this company and i went on their website to find out information regarding the company. The next day I received a call from this company and I asked them general questions because nothing was posted on their website in regards to interest, terms and conditions on their website. The associate said he could n't provide me the information unless my credit was ran so I agreed to it and gave him my information. A few day later the associate emailed me the credit application and XXXX form for me to fill out and they need a recent pay stub from me. After I filled out the required docs and my paystub I received a phone call from their under writer for a customer interview. XXXX minutes later I received and email with all the terms and conditions. When they ran my credit they told me I had a XXXX fico and in the email sent me they quote me a rates of 14.49 % & 15.49 %. the following day the associate sends me a text asking me what I thought about the approval and I told him i was insulted and that i was interested any more. The following day i received a text say that the were sorry and they can get me a rate of 7.49 % and I did n't respond. I received a phone call a week later from their underwriter and informed I was interested and he still was trying to convince me to do the loan. When I asked the underwriter why XXXX day the rate was 14.49 % to 15.49 % and then the next day because I was upset the rate dropped to 7.49 % and he could n't answer my question
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Navient Constantly miss places my documents and in the mean time they wo n't help me to lower my payment and will not help with anything. The only thing they said they can help is to put it on hold but in the mean time my interest rate just adds up making my loan almost impossible to pay off.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this. 

I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.