davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
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. (NY)

Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX  XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed items to be blocked and deleted company information from Experian and XXXX. 

Please delete the following items : 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
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STERLING JEWELERS, INC. (TN)

I went on to Kay Jewelers website on  XX/XX/2017    and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent  to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a  XXXX  credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the  XXXX  separate cards and  XXXX  separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the  XXXX  accounts. I was not told that the  XXXX  accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on  XX/XX/2017    and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.
Consumer complaint received 2017-04-26
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. (MO)

I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

M  y Walmart mastercard credit card was stolen and used to for fraudulent transactions on   XXXX   XXXX  , 2017.
I filed and provided a police report the following week.
The account was closed and new one was open.
All the transactions were then accrued into a single amount a carried over into the new account for {$1300.00}.
The investigation was concluded and I was told by mail that the amount was going to be dropped.
I received a statement with the original amount plus interest.
I called Walmart credit services for over 2 hours with no solution. They basically told me the account number was not found by them to process the write-off.
It 's now showing up in my credit report and harming it.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient se nds me emails claiming they want to lower my interest rate and help me and every time I call to get relief they tell me " oh your loan is private, it does n't apply to you ''. Oh it does n't apply to me but you still send me the email, get my hopes up and revoke it. They wo n't let me refinance. They wo n't let me have my loan in my my name, they wo n't drop my cosigner off, my cosigner is my grandmother. She did her part, I got the loan. Years ago. She 's ready to be done with it. She 's called, I 've called. I make my payments on time. I do n't miss. So why ca n't I have my loan in my name now. This company 's customer Service is the worst. Worst. Caused me so much mental agony. When I was   XXXX  I did  n't realize what I was getting myself into, but after years of suffering with this company. I now know.
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.
Consumer complaint received 2017-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP (WA)

XXXX   XXXX  has been working with  XXXX   XXXX  since  XXXX / XXXX /  XXXX  . It appeared that Key Bank applied payments to the first mortgage in error.  XXXX  sent a letter on  XXXX / XXXX /  XXXX   which is attached requesting information on the account to try and resolve the delinquency.  XXXX   XXXX  has the income to make a mortgage payment. It appears that Key Bank called the full amount due on his mortgage of appx  XXXX .    XXXX  sent a complete Modification request and all documents on  XXXX ,  XXXX  and follow up documents requested on  XXXX .   Since that time frame  XXXX  has heard nothing. Attempts at communication have not been responded to by Key Bank. On  XXXX   XXXX   XXXX  called me during a very disturbing phone call from  XXXX   XXXX  from Key Bank. I personally heard him berate  XXXX   XXXX  and call her uncooperative, unconcerned and " she must not really care about keeping her house ''.   I was very disturbed by  XXXX   XXXX   XXXX   XXXX  's treatment of Key Bank so I asked them to come into the office so we could call  Key  Bank together. I spoke with  XXXX  #  XXXX  and she stated she could not provide me any information because it had been referred to foreclosure and only  XXXX  could talk to me. I then called  XXXX  at  XXXX  and spoke with  XXXX   XXXX  who was very helpful. I let her know about my disturbing phone call and that I had sent multiple packages to Key Bank and let her know that I had never received a phone call from Key Bank or a denial.  XXXX  told me that Key Bank is pursuing a judicial foreclosure which I was shocked about because Key Bank has NEVER tried to help the  XXXX  with a modification.  XXXX  requested that I send her the documents that I had previously sent and she would look into it.   I then called Key Bank at  XXXX  and spoke with  XXXX   XXXX   XXXX  and he let me know that Key Bank had NEVER reviewed  XXXX   XXXX  and that the  XXXX  's had NEVER been denied. He stated on  XXXX  Key Bank had requested additional documents  ( which we provided ) but then Key  Bank closed out the file with no further communication and no denial. I let  XXXX  know that under CFPB that you must deny someone and allow them an appeal process.    Key  Bank is going through a foreclosure process and yet I have documentation that Key Bank has never reviewed  XXXX   XXXX , never denied  XXXX   XXXX , never contacted their housing counselor. Since the  XXXX  's were never denied a modification, they have had no way to appeal, or speak with Key Bank on how they can save their home.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I 'm   XXXX   XXXX   XXXX   for my  XXXX  degree and I have some loans that are subsidized from my  XXXX , so the interest should be paid while I 'm in school by the  US D epartment of Education. I pay the interest on unsubsidized portion of my loans so it wo n't be capitalized and added to my balance. The problem is, that when I make my payments there is no way for me to direct my payments just to my unsubsidized loans so my payments are directed to both my subsidized and unsubsidized loans and losing that benefit of interest being covered while I 'm in school. When I have called on several different occasions in  XXXX  and  XXXX    XXXX   to get a history of my payments and balances, I keep getting a the same answer, " We do n't have that '' just a history of payments that I have made. In a separate incident, I had a loan disperse on my graduate loan and paid a refund amount. When I asked for the a statement showing that refund payment, they again said " We do n't have that ''.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.
Consumer complaint received 2017-04-26
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. (WA)

I received a notice from ProtectMyID that I had activity on my credit report. Upon accessing the expirian site and viewing my report I sa w 2 discrepancies but do not know if they are related.    The first issue is a hard credit inquiry from  CBNA  on   XXXX    . I did not authorize this and I am currently not seeking credit of any kind. The   XXXX   site did not give means for addressing this and did not give contact other than a    XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with experian and I need to have that address disputed with the other creditors as well.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX
Consumer complaint received 2017-04-26
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. (WI)

This complaint is about Equifax. At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember ), appeared on my Equifax report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from   XXXX   to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI,  XXXX  guy in Texas,  XXXX  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate, Equifax has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

Im a  XXXX  student that graduated from  XXXX   XXXX  on  XXXX     2016 and  they promised to help me find a job and failed to do so after I graduated. Im unable to pay my student loan that  XXXX   XXXX  gave me from Navient and I live on  XXXX  fixed income.  XXXX   XXXX  me and other students through an internship that was a small computer shop that looks like a sweat shop that doesnt teach us anything about our job careers in the computer field. I will like if you can please have the courtesy of resolving this issue by waiving or reducing my student loan that im unable to pay with my  XXXX   XXXX  income and prevent this from happening to other students from wasting our tax payer money.