davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
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. (PA)

Wrote Experian a letter, and mailed it onXX/XX/XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted.
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Mailed TransUnion written letter on XXXX, and advised TransUnion that I am a victim of their inquiry glitch. Moroever, requested the inquiries to be deleted off my credit report. have not received any correspondence from TransUnion, The follwing inquiries are part of TranUnion inquiry glitch which were requested to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

A law needs to be passed where the collections agencies supply invoices to consumers that are on payment plans. Debt collection agencies are taking advantage of consumers that are trying earnestly and honestly to respectfully pay what they owe. 

Is there a law in place where debt collection agencies, credit card companies, and banks should supply a consumer with an invoice monthly or at least quarterly as to what the interest is accruing on that payment plan? And most importantly when payment plans are established how are these companies able to take your payment and apply it all to the interest that is accruing since your payment plan payments are lower than the original contract or credit card payments. 

The payment should be going towards the debt itself or at least half of it should be applied the debt and half towards the interest. When no laws or terms are set in place as stated above the consumers are stuck with the dilemma of being taken advantage of and abused into paying way more than whats sent to collect. 

If a consumer defaulted on an account and couldnt pay, how in the world could they pay on a payment plan that is being charged monthly and or yearly interest and most importantly when they dont even know how that interest is being compounded if the agency or bank never sends you any receipts or invoices of payments received. The consumer doesnt know until he or she happen to call and inquire about the account balance. 

Why isnt the law carried over like with a regular loan or credit card account that sends monthly invoices so the consumer as to payments received, so they will know whats going on with the account? Debt collectors so send invoices of any kind unless requested and this is wrong. 

Debt payment plans/agreements of this kind are sure signs of being abused by price gaulging a consumers debt with unknown terms and how interest is being accrued. 

Why isnt there a law in place to protect consumers on this issue? We are being taken advantage of by debt collection firms, banks, and credit card agencies. A lot of the debt collections laws that are in place are cosmetic, protecting the surface. We need in depth laws put in place asap. 

Also see complaint # XXXX & XXXX, it was never resolved. Their response is not what the court drawn agreement says at all. NO NEED TO SEND TO NAVY FEDERAL, THIS IS A LEGAL, CFPB, AND OR FEDERAL TRADE COMMISSION ISSUE. I NEED LAW PROTECTING FACTS.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified. The most recent being case XXXX where the issue was rectified and closed. You will notice in the response that XXXX did not dispute this information and TrnsUnion agreed with my information. I noticed today that the information was added BACK to my credit report. This again is in regards to a BALLOON loan which can be late only once and the time late can be updated but it would still constitute ONE late payment. I have attached the previous TransUnion response.
Consumer complaint received 2017-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

To whom it may concern, I have been trying to set up automatic payments with XXXX  Heartland for two months now. I have been reliable on my payments now for nearly two years but when they switched to  a new website they keep " losing '' my information. I tried to set up automatic payments in XX/XX/XXXX and I received an email confirmation stating the following. 

Below is confirmation that your recurring payment has been scheduled/edited. Transaction Date : XX/XX/2017 Heartland ID : XXXX Organization Name : XXXX XXXX XXXX XXXX XXXX Product : Student Loans & Receivables Routing/ABA Number : XXXX Account Number : XXXX Account Type : C Total Scheduled Payment Amount : {$830.00} Scheduled Payment Date : XXXX of Every Month ( Starting on XXXX ) However, I recently received a letter from the company stating that I was 45 days late on my payments. I contacted customer service and they gave me the run around and said my XX/XX/XXXX information " did not save '' and offered me the option of a one time payment, which by the way comes with fees of up to 3.95 % of the loan balance. Why did they send me a confirmation email if my payment " did not save ''? 

I am getting nowhere with this company and I am not going to pay fees that are a result of their negligence not mine. 

Thank you, XXXX
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

CITI closed my new XXXX Card credit card without prior warning. The account was in good standing, never a late payment and a low balance. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Approximately twice a month, Capital One mails credit card solicitations to my father at my mailing address. My father XXXX XXXX four years ago ( in XXXX  ) and never used the mailing address that Capital One is sending its junk mail to. 

After my father XXXX XXXX, I sent copies, via certified mail, of his XXXX XXXX to the three credit reporting agencies.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I tried to cancel my credit reporting service online, but there is no such options. There is only a phone number. I tried calling this number for 3 days straight during business hour, and there was no representative talking to me. They effectively forced me to continue subscription because there is no channel for cancellation.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

CITI closed my new XXXX credit card without prior warning. The account had a recent credit line increase and was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Consumer complaint received 2017-09-23
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. (WI)

My personal information was affected in the XXXX Equifax security breach, leading to several days ' worth of annoyance and unnecessary XXXX about the potential threat of identity theft. Although I have taken all possible steps to avoid issues from this breach in the short term, this data breach will continue to affect me for the rest of my life, as my personal information can not be " taken back '' once it 's been released into the public.
Consumer complaint received 2017-12-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (NY)

My private student loan is currently being serviced by Wells Fargo. It currently has an outstanding balance of {$50000.00} I have tried on multiple occasions to work out an agreement with Wells Fargo but have been unsuccessful. In one instance, I spoke with XXXX XXXX XXXX, who gave me the instructions on how to file a Hardship Affidavit. Based on our phone conversation, I was led to believe that my request for a hardship repayment plan would be favorably viewed. I have attached the instructions I was given to submit the Hardship Affidavit and a copy of the affidavit eventually submitted. After waiting about a week, I called Wells Fargo to get an update on my request and spoke with numerous representatives from various departments who informed that I would not qualify for any form of hardship repayment. I currently have child support that I am diligently paying off, {$100000.00} in outstanding federal student loans and simply do not have the funds to continue making the current payment for the private Wells Fargo student loans. I respectfully request that the Consumer Financial Protection Bureau helps me work an agreement with Wells Fargo that provides some monetary relief to me so that I can both pay off the debt and be able to meet my other financial obligations. I am currently working overtime on full time job and even picked up a second part time job. However, even with this part time job its simply not enough.
Consumer complaint received 2017-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

Fed-loans will not grant me XXXX loan forgiveness for working in a low-income school even though I have since I began teaching in XXXX XXXX, XXXX. The school that I worked at for my first two years of teaching were so low income that the XXXX XXXX Department ended up closing the school down. The have a hired man who is over all things about that school at the XXXX ( XXXX XXXX Arkansas XXXX ). When I submitted the form for XXXX loan forgiveness it was for 2 years at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX. That is the address for the XXXX because the man, XXXX XXXX XXXX, in XXXX company is the XXXX XXXX for the paperwork dealing with that school. I have combined 3 years that I had for teaching at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX, to equal a total of five years of teaching service in a low income school which qualifies me for XXXX loan forgiveness. It was denied based on having NO XXXX office signature which it does have to qualify. I submitted it this way for a total of 4-5 times, each time I was denied for either the same reason or not qualifying for enough years taught even though I do have the 5 years. I then waited til I had 5 years total at XXXX XXXX XXXX XXXX to re-apply. When I re-applied I had talked to fed-loan servicing department and had been given step by step directions that I needed to follow to ensure that it would not be denied. I followed the directions completely and re-submitted to only be denied again. I then waited til XXXX to try one last time to get the loan forgiveness that I fully qualified for to only be completely ignored by Fed loans who 's only response was to send me an application for XXXX loan forgiveness, the exact form that I had submitted. So thinking that was a lost cause I then applied for XXXX XXXX loan forgiveness which is where if I teach and pay for 10 years then my loans are forgiven. XXXX XXXX, XXXX will be 10 years so I applied and to no surprise was denied for that as well. I am a community helper that gives back on a daily basis and it is not right for me to be making less than a waitress after 2 degrees and 10 years of public service. I have worked Extremely Hard to better myself being the first and only of XXXX children to graduate with any degree at all in my family. The least that could be expected is that I can make a living without worrying about having the money to support our XXXX children!
Consumer complaint received 2017-09-23
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: Phoenix Financial Services LLC (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. Phoenix Financial Service 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2017-09-24
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)

Equifax hack has led me to believe all of my information has been hacked. I have proceeded to check a free credit report to find any unusual activity. There was none at the moment. In fear of future fraud, I have placed a credit alert for 90 days. I am deeply frustrated with the mishandling of the personal information of millions of Americans. It is incredibly irresponsible for a company whose business is dealing with credit reports has such lacking security. The way the company has handled the fallout is also irritating.
Consumer complaint received 2017-09-24
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. (FL)

was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore I proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX card - 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 2017-09-24
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: Navient Solutions, LLC. (GA)

I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and XXXX are both showing several accounts showing open by Dept of Education and Navient for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to Navient and the Dept of Education. I even sent letters to the CEO. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.
Consumer complaint received 2017-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Meridian Buyer’s Group (TN)

I had an automobile financed through Meridian Buyers Group, the vehicle was totaled XXXX XXXX, 2016. I  had full coverage insurance at the time with XXXX. It took XXXX months to complete the insurance claim. Payments were still made to Meridian Buyers Group, upon Insurance company contacted to advice payment on vehicle, Meridian did not stop charging me late fee, dings agains my credit, then sent paperwork to XXXX stating the vehicle had been repossessed, but in fact that was not true. XXXX issued payment for vehicle and the Meridian Buyers Group sued me and garnished my wages for {$2800.00}. Its still being reported on my credit as a charge off and I had never been late on the payments. Ive made several attempts to clear this issue up with the office, by phone, by email to the office, then reaching out by mail to the CFO as well as emails to the CEO, CFO with no response. I have also made 2 attempts to speak to the legal team as Meridian refers to them as, with no response. I would greatly appreciate your assistance in this matter. I feel as though I have taken all necessary steps to resolve I would like this investigation to start immediately, as well as my credit restored as it should me.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted several FTC affidavits to EQUIFAX regarding fraudulent inquiries and a fraudulent account by the name of XXXX XXXX XXXX XXXX   which was deleted and placed back on the next 3 days and equifax removed the positive account with the similar name and is refusing to correct the issue they simply deleted the wrong one which was positive and opened XX/XX/2017.