davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I was on an income driven payment plan and was un-aware that the plan had to be renewed and was not aware of the deadline of when to re-apply for one. It was also not made clear of what proper documentation was needed to prove my income. When I applied the first time I submitted a pay stub, when I had to re-apply, I sent the pay stub but did n't find out until after Ii got another bill, of which was too high to pay because the plan expired, that a pay stub was not an acceptable form to prove income. I was then told to send a copy of my tax return. It was n't until after that, they were able to put me back on the income driven payment plan, but by then I had already accumulated late fee 's because my payments were too high to pay.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OR)

I was an ID theft victim in XX/XX/2007, and when it happened I notified all three credit bureaus who in turn assigned me a security freeze password that can be used to lift the freeze at my discretion. I moved from that state to another, and that 's when the problem started. When I put a change of address, I mailed all three credit agencies my updated driver license, a billing statement with my address, a copy of my social security card and the original police report of the ID theft incident. XXXX XXXX and Experian both immediately updated my records to reflect my new address ; Equifax did not. Instead they incorrectly inputted XXXX of my old addresses, but I did not XXXX this until several months later when I needed to lift my security freeze. It would not allow me to do it stating my information did not match their records. 
XXXX attempts to clear this up by contacting Equifax and nearly XXXX years has past, yet I 'm still arguing with Equifax. When I call I get transferred over seas, back to XXXX, back to overseas until I get so mad I hang up. I 've faxed them written requests XXXX times. They responded once by telling me they ca n't help me until I mail them proof of who I am which I had already done. They did respond and correct my address, but then once again when I attempted to lift the freeze, the recording said my information did not match their records. Last month they mailed me XXXX letters, neither of which addressed my original complaint which is by Oregon law, I 'm entitled to transfer my security freeze to another state, yet Equifax tells me I no longer qualify. My last letter stated to them that if they did n't get this fixed, I would file a complaint against them. They have not fixed it, and last month I needed tires. My tire shop uses Equifax exclusively so I could not apply for credit to get tires. I 'm not driving until I can get tires as Equifax has me held XXXX. Please help.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

This is what Equifax sent me.. Dear XXXX XXXX XXXX : Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at XXXX or by calling a Customer Representative at XXXX from XXXX XXXX We have researched the credit account. Account # XXXX The results are : This item has been deleted from the credit file. If you have Please note this is still on my account in the amount of XXXX dollars with a other company called XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX In the amount of XXXX dollars ALERT ( s ) : Fraud Alert. 
Your fraud alert Auto Renewal is ON. Fraud Alert Expiration Date : XX/XX/2016 And I am not able to Lock my Credit Report as Equifax said with my ID Patrol ( R ) Premier account This is my complaint Thank You XXXX XXXX
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

The credit bureau provided my credit report and all my information to XXXX XXXX XXXX XXXX XXXX. I have never given permission or authorization for my information to be provided to this company that I have no relationship with. This company used deceptive practices with my husband who attended XXXX XXXX XXXX and that is how I am aware of them. They had no right to look at my personal information and cause damage to my credit because of too many inquiries that did not result in a credit offer. I NEVER REQUESTED A STUDENT LOAN FROM THIS COMPANY AND THEY HAD NO RIGHT TO INQUIRE INTO MY PRIVATE CREDIT INFORMATION.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. 
On Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. 
On Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as " reported '' as of XXXX XXXX, 2016. 
I demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called " verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. 
Please see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX " reported '' and " verified '' on XXXX XXXX, 2016. 
Please help!
Consumer complaint received 2017-07-25
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. (IN)

I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Consumer complaint received 2017-08-16
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. (KS)

I submitted a letter of request to remove a Public Record from my credit report on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX County Recorder of Deeds that they do not report public record information to the credit bureau. On XX/XX/XXXX I placed a freeze on my XXXX account # XXXX. On XX/XX/XXXX another public record was added to my account. On XX/XX/XXXX after receiving no response, I faxed a second letter asking for information regarding how these accounts were verified. On XX/XX/XXXX one account was removed but the other remained. On XX/XX/XXXX I faxed another letter requesting again for the information regarding how the account was verified since the holder of such account does not report information to the credit bureau.
Consumer complaint received 2017-07-25
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. (IN)

I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Consumer complaint received 2017-07-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (ID)

we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.
Consumer complaint received 2017-08-16
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: JPMORGAN CHASE & CO. (CA)

I had an unauthorized transaction on a business credit card with Chase. I contacted them about the fraudulent charge of {$50.00} ( XXXX XXXX XXXX XXXX Pre-paid Phone ) and they have given me every difficulty in having the charge removed from my bill. I am appalled at their behavior and have never been treated this way when disputing a charge on a credit card before. I have used the card to charge in excess of {$20000.00} of products and services for my business and they have refused to remove a {$50.00} charge because the vendor XXXX XXXX XXXX had " proof '' that someone named " XXXX '' said they had authorization to charge my card for the phone.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has started charging our account Overdraft fees on small, one-time debit card transactions just this year, without our opting in. We have had the account since   XX/XX/XXXX , did not  opt-in for overdraft protection, and became alarmed when we were getting hit with stacked, cascading Overdraft charges since the begi nning of  XX/XX/XXXX .      Upon looking into this, we found that this is an illegal practice since   XX/XX/XXXX  - the b ank CAN NOT extend overdraft charges on debit or ATM withdrawals if they did not provide explicit, written explanation of their overdraft program, allow the customer to affirmatively consent to the program, agree to the fees, and then provide documentation of the customers written consent.     We called BOA and requested copies to show any evidence that we opted in, which they were unable to supply. The only documents we were given were a basic account opening document with not even a mention of any Overdraft protection program, let alone the legally required, separate notice outlining the program.     We called again, and were told they could not reverse our charges without our lodging a complaint.     This is very likely happening to many customers, and needs to stop, and all illegally obtained charges need to be reversed.     htt ps : //www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-13.html
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (MI)

I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help me?
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been a victim of identity theft. I have had a person I know by the name of XXXX XXXX XXXX, use my personal information that was shared with her, for an apartment. This person was my XXXX XXXX XXXX XXXXom XXXX. In XXXX of XXXX, she electronically signed a lease using my first and last name, and middle initial. I knew NOTHING about this lease, until a collections company by the name of XXXX XXXX XXXX, contacted me with a letter in XXXX of XXXX, stating I owed {$11000.00} to XXXX XXXX XXXX XXXX XXXX, located in XXXX, XXXX XXXX, Florida. I HAVE NEVER LIVED IN FLORIDA!!! I AM A XXXX XXXX  I LIVE AT HOME WITH MY PARENTS, AND HAVE BEEN AT MY CURRENT ADDRESS SINCE XXXX OF XXXX. I ALSO DO NOT HAVE CHILDREN, AND THE CULPRIT INCLUDED HER XXXX CHILDREN ONTO THE LEASE. 

I HAVE NEVER AUTHORIZED AND WOULD HAVE NEVER AUTHORIZED, FOR HER TO USE MY INFORMATION FOR AN APARTMENT IN FLORIDA, WHEN I LIVE IN OHIO, AND WAS STILL FINISHING MY XXXX XXXX XXXX AT XXXXXXXX XXXX XXXX XXXXXXXX OF XXXX! 

I NEED YOU GUYS TO REMOVE THIS IMMEDIATELY.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

ARS co llection agency.  First appeare d on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to  XXXX ,  XXXX  and  XXXX . All  XXXX  agencies removed the listings. Fast forward  two years la ter, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with  XXXX ,  XXXX  and  XXXX .  Again sent request to validate the debt - tracked of course though the USPS. They again failed to valid ate the debt. Still not removed from  XXXX ,  XXXX  and  XXXX . I do n't recognize the account and they did not send validation of the debt.     They 've now responded to my complaint via the cfpb only - I still have never received validation. They did not send it. I realize they say they 'sent validation ' yet validation was never received. I have my receipts showing they received my correspondence.     In addition, I was a N YS  XXXX  and   XXXX   XXXX   pa tient during the time period in question I think. Given that first "  XXXX   XXXX   XXXX  '' never sent me a bill and the n ARS has never sent me the information, and I have repeatedly asked for validation in an original itemized state ment through cfpb. If this was through   XXXX   hospital, they can not bill me because they failed to file or get paid by  XXXX . I am not personally liable.   XXXX   hospital has a contract with NYS  XXXX . They are acting in violation of their contract and NYS/Federal law. SO AGAIN please send me the itemized original statements so I can follow up with who I need to in  XXXX .     I request to see any signature pages where I agreed to pay this. In addition I had  XXXX  and  XXXX   XXXX  during the accused dates of services. I gave them the information. You can not legally bill a patient who has  XXXX  as "  XXXX   Hospital  '' as this response says, if they did not do their job at billing by submitting the claims to  XXXX . They are in a contract with  XXXX  as well as the  XXXX   XXXX  's. I believe they do not have the documents to support this accusation of debt, and since it all was covered by  XXXX  /  XXXX   XXXX  they have to write this off, they can not bill me.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting act. The list of accounts on my XXXX consumer report below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights. XXXX XXXX XXXX section XXXX A. states I have the right to PRIVACY. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account WITHOUT my WRITTEN INSTRUCTIONS. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-16
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. (ID)

I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, XXXX and Equifax, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because XXXX  and Equifax say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to XXXX and Equifax did nothing.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports