davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Equifax exposed my personal data. 
Equifax offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that Equifax should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and XXXX should not collect a windfall profit from the mistakes of Equifax due to the reaction of responsible citizens trying to protect their credit.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

3 years ago I suffered a theft of financial data by a XXXX employee, when I discovered this I ordered a free on credit, we had several fraudulent transactions as a result of this theft. The freeze tht I ordered was suposed to have been permanent. However on XXXX XXXX this year a purchase was made and finance was done through XXXX XXXX in XXXX GA I was never consulted about unlocking my freezer nor have I unlocked it for any purpose since freezing it. XXXX is unresponsive to hone calls, and now it has given my information to another set of criminals without my consent. 
I would like to have my information removed from their database, period as it is not safe. 
They have been irresponsible and reckless with my finacial information, and are freely giving credit in my name to whom ever requests it
Consumer complaint received 2024-10-16
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-21
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. (NJ)

I am a XXXX XXXX twice and can not handle anymore stress at all! 
I am a mother of XXXX college students that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XXXX XXXX XXXX. Car was taken by XXXX XXXX XXXX. They alll KNEW about this car because in XXXX I filed suit under 1 800 Lemon Law XXXX and XXXX researched all in XXXX XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a college graduate of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
Consumer complaint received 2017-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I refinanced my mortgage with Freedom Mortgage on X/X/16. It was never disclosed to me my previous escrow balance would be used to pay down my current mortgage. Furthermore I specified to my representative I did not want my escrow used to pay down my loan, nor did I sign anything authorizing this action. I was assured this would not happen. Three months after my refinance, I realized my mortgage had gone up substantially. When I called to find out why, Freedom Mortgage explained to me they charged my account for a shortage in my escrow account and raised my monthly mortgage payment to cover the shortage. After further research, I discovered Freedom mortgage did use my escrow to pay my loan down. I have reached out to Freedom Mortgage several times to address the matter with no resolution.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Check Resolution Inc. (OH)

eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an case filed against me that included " malicious intent. '' and " check fraud ''. I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an allegation made against me by " XXXX '' that included " malicious intent. '' I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and Experian as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Consumer complaint received 2017-09-21
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: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX  because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CT)

I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

It all started when I applied for a modification, I had not been 30 days late on my mortgage in over 2 years plus. On XXXX XXXX I spoke with my relationship manager XXXX and specifically asked if I needed to make my XXXX payment he said NO due to the fact that I had been approved for a loan modification and the trial period was going to start XXXX XXXX, I said to XXXX again are you sure that I will not be reported late to the credit bureau because I 'm a stickler for my credit, and XXXX said yes, you will not have to pay until XXXX XXXX. XXXX Ocwen Mortgage reported me late for XXXX as 30 days and my score declined on my credit report by XXXX points on my XXXX credit report. I contacted my relationship manager XXXX upset about the bad report and the dropping of my credit score, XXXX informed me to see a copy of my credit report showing that Ocwen had reported me late because his recording was not showing that, XXXX asked me to submit the information to the Research Dept, I faxed the information over on XXXX/XXXX/XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX stating that I had not paid my XXXX XXXX payment. I called XXXX on XXXX XXXX disputing this and he said that they would have to pull the call to see if he had informed me that I did not have to pay XXXX & XXXX payment. XXXX XXXX XXXX agent ID # XXXX informed me that I would have to make XXXX & XXXX payment when I called in around XXXX pm to check on the status of correcting my credit report. I received another letter from Ocwen dated XXXX XXXX, in forming me that they made a mistake and that they would be correcting my credit with the credit bureau as paid as agreed. On XXXX XXXX, XXXX I was reported once again as 90 days late and my credit score dropped by XXXX points this time, which affected me from applying for a refi, and credit line increase in which I needed for my parent XXXX XXXX anniversary, and one of my credit cards decreased my line of credit. On XXXX XXXX I called in and spoke with agent ID # XXXX around XXXX am and told her the spill on everything and she stated that she did not see that Ocwen had reported me 90 days late her records was showing me current, then she asked me to fax over a copy of my credit report that was showing late I refused because I had just gone through this and mentally and physically this was affecting me, I then and asked for her supervisor. Supervisor XXXX XXXX agent ID # XXXX took over the call, and told me that they had to report me late, and I said to him I have a letter stating that I was not late and my relationship manager told me that I would not be reported late. I explained to XXXX that I was a supervisor and this was taking me away from my job as well as employees, he then wanted someone as to join the call but they could not get on the call, I decided to end the call, before we hung up the supervisor stated that once the modification period was over and I had not been late that they would then correct my credit to current. NOT HAPPY
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (TN)

on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.