davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

I am part of the breech of Equifax. I can not get anywhere with them. I went to their website and they said they will e mail me instructions, I receive nothing from them. I tried to call their phone number and surprise, some one did answer the phone, but he just blew me off saying I will receive an e mail the next day. Surprise, surprise, no e mail. I then contacted the Ohio attorney general 's office, and they gave me step by step instructions on how to contact Equifax, I followed the instructions and still have not heard from them. Can you help? As far as i 'm concerned, I wish they would just erase all my data and I 'd be done with Equifax. Thank You
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: Navient Solutions, LLC. (IL)

Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my credit report.
Consumer complaint received 2017-09-10
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. (SC)

In XXXX and XXXX XXXX, the following accounts were deleted from all 3 credit bureaus : XXXX XXXX in the amount of {$64.00} -XXXX XXXX XXXX in the amount of {$440.00} In XXXX of XXXX and XXXX XXXX both accounts were reinserted back onto my credit report. According to the fair credit reporting law we are supposed to be notified before reinsertion of any deleted accounts on a consumers credit report. I did not receive any reinsertion notification about either of these accounts. Here is the law below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material : Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (IL)

Hello- an ACH double posted on my BMO Harris account of XXXX, my balance at the time was XXXX. But because it double posted my balance went negative. I was then charged an NSF fee of XXXX from BMO, they will not reverse the full fee and are advising me that I need to bring my balance to XXXX before I can close the account. And I will also incur a XXXX early account closure fee. I recently signed up with BMO under a promotion to test drive them and switch over. Below is a transcript of my chat with them XXXX : Hi, my name is XXXX. How may I help you? 
XXXX XXXX : Hi XXXX XXXX XXXX : I recently had an ACH debit my account twice for the same amount XXXX XXXX : and because of this I incurred a NSF fee of XXXX XXXX XXXX : I am wondering if this is reversible. I do not know why the ACH was taken out of my account twice ... 
XXXX : I am sorry to hear about the issue with the duplicate charge. I can review this for you today. What is your name and e-mail address please? 
XXXX XXXX : XXXX XXXX and XXXXXXXXXXXX XXXX XXXX : thanks! 
XXXX : Thank you XXXX. One moment please. 
XXXX : Thank you for your patience. I have reviewed the account. I am showing the transaction that overdrew the account was a Web payment set up directly through XXXX XXXX. Since this was not a transaction set up through the BMO Harris online banking it is not a bank error. With it being a first time occurrence on the account, I would be happy to split the insufficient funds fee and refund {$17.00} back on the account. The second transaction was returned on XXXX-17. What I wo n't know by looking at this transaction is if XXXX will resubmit that item for payment on the account. I would advise that you contact XXXX to find out if that second ACH will be resubmitted or not. Would you like for me to go over with you some options for Overdraft Protection? 
XXXX XXXX : No, I do n't think overdraft protection is necessary. I XXXX XXXX : I 'm not sure I would really need the account open then if I am left with an overdraft of XXXX, does n't see worth it to me. I opened it up under a promotion and was going to test drive the account before we switched over ... 
XXXX : If you decide down the road you would like to know more about our overdraft programs, please let us know as we are here to help. I have credited that portion back on the account and my confirmation number for that today is XXXX. I would advise that you make the account positive by the close of business Monday as the account can also be charged a {$5.00} consecutive day overdraft fee if the account sits in an overdrawn balance for more than 3 consecutive business days. 
XXXX XXXX : oh if that 's the case lets just go ahead and close the account. thanks XXXX : Once the account is brought back to a positive balance you can reach out to us to close the account but I would n't be able to close the account until then. Plus, there can be a fee of {$50.00} charged to the account for closing within the first 90 days of account opening.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.
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: Navient Solutions, LLC. (CA)

I am on auto pay and I would like to have more taken out each month so I can get ahead on my loan automatically. Navient does not support this - per their help file " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, '' I feel that is is misleading. Currently to make an extra payment I have to remember to manually do this each month. The only way I could increase my auto payment amount is to change my loan term to a shorter term which is not what I want to do. If I went that route and I ca n't make the revised much larger payment - I am in default and will owe fees. ( I did go that route about 5 years ago for a {$100.00} increase before I understood this would change my loan term. ) This feels intentionally like a way from stopping me from paying my loans early and should be stopped. I also find the details very confusing and for uneducated consumers it really might set them up to fail- they think wow I am doing great paying more each month - only to realize there is no going back to smaller payment terms without going into some sort of alternative payment option, forbearance or hardship.
Consumer complaint received 2017-09-08
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)

Due to the recent breach of the databases at Equifax, I have been notified that my SSN, credit report, and personal information may have been compromised. I have put a 90 day credit alert on my report with XXXX and would like to file a claim here ; as in the case that any of my information is misused and my credit suffers it is on Equifax for their inability to guarantee the security of this information.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (VA)

The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get XXXX to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of XXXX. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them XXXX payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears. 
They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report. 
When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute. 
They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show XXXX lates because the XXXX payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.
Consumer complaint received 2017-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (FL)

This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity
Consumer complaint received 2017-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-12
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (PA)

RE : TD Account Number XXXX TD Bank reported my XXXX credit payment as XXXX  days past due. 
Please review the following information regarding my payment history on my TD Account : All payments have been made via the TD Bank Pay By Phone option The amount I paid was the payment amount provided on the TD Bank Pay By Phone system I registered on the website and have not been successful in logging in I have made payments each month, past the due date but well in advance of XXXX  days First payment to begin on XX/XX/XXXX The following are the dates payments were drafted from my XXXX Bank account : o XXXX - {$910.00} o XX/XX/XXXX - {$940.00} o XX/XX/XXXX - {$970.00} o XXXX - {$930.00} o XXXX - {$950.00} o XXXX - {$950.00} When discussing with the representative, they indicated that there are late fees. If there is a late fee that is owed, I would expect the phone system to add that to the amount owed. 
I am depending on the TD Bank Pay by Phone system to be accurate, therefore, I am not clear on how I am delinquent. 
When I asked the representative how much money was delinquent, she indicated she could not give me the information. I believe that is unlawful to not share the information. 
In reviewing the payments that TD Bank provided, it appears there was a systems issue in XXXX that doubled the amount owed in error.