davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax not following the federal mandate to provide a free annual credit report. 
Equifax suffered a security hack a few years ago and since then, I have not been able to obtain via their website, a free report. Unable to obtain in XXXX, XXXX and now in XXXX. 
How is this Equifax company still allowed to be part of the XXXX XXXX XXXX program? The website won't provide an online report but rather says you must request in writing and provide 2 proof of identity. This is three years in a row. Why would I trust sending you identity verification & a written request that has security info on it to you via mail? As a company, you already had security issues but are now requesting that a consumer must provide a paper request with verification? 
How long does it take for a company to fix security issues? I feel that this company should be eliminated from the free XXXX XXXX XXXX  program. The other two, XXXX and XXXX   are providing reports via the internet without issues. 
Equifax does not deserve to remain a qualified credit reporting company and certainly does not qualify to work with any government mandated requirements.
Consumer complaint received 2019-06-10
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. (CA)

i have been disputing three unauthorized accounts on my equifax credit file, these three are not mine, i have been telling to equifax for many months, but they have not been helpful, please find attached my police report in this regards an d have equifax remove these inaccuracies thank you
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC (MO)

Paid off a Delinquent Account a few days ago, I have proof of it also. I contacted them on XX/XX/XXXX and talked to someone and they withdrew the amount from my bank account. They have yet to remove it off my credit report.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (IN)

Last week XX/XX/XXXX and XXXX of 2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to XXXX XXXX XXXX. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying XXXX thats 12x what I owed. They wanted payment now or id be going to court. Company is XXXX   XXXX XXXX XXXX XXXX supposely
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I called Navient numerous times regarding Public Service Loan Forgiveness but was told my loans didn't qualify. Now 13 years later I find out from my Union I could have turned my loans into Direct Loans and then I would have qualified for Public Service Loan Forgiveness. Had I known I would have turned them into Direct Loans and had them forgiven after 10 years.Now I will be going into retirement with student loan debt.
Consumer complaint received 2019-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (TX)

Midwest recovery company name is XXXX XXXX XXXX XXXX. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company
Consumer complaint received 2019-06-10
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: CITIBANK, N.A. (TX)

Through using XXXX XXXX I was able to access my credit report an account that I have never used. I never opened an account with XXXX XXXX XXXX and have never heard of them prior to accessing my credit report. 

XXXX XXXX  XXXX XXXX # XXXX PO BOX XXXX XXXX XXXX OH XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge Off : {$5500.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I was placed into involuntary administrative forbearance for no apparent reason on XX/XX/23 I called that same day and they said they would process a request to take me out of forbearance in 3-5 business days. I waited this time and no action was taken. I called back and they said they couldnt give me a time frame for process to take effect. Called many more times all with XXXX min wait times, with no action being taken. I want to make my monthly payment on the SAVE plan to Take advantage of the interest subsidy but now I am just accruing XXXX XXXX XXXX of interest instead. MOHELA is fraudulent, inept, and should not be allowed to handle our loans. They are costing borrowers hard earned money because of their incompetence
Consumer complaint received 2019-06-10
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Hello! 

I tried in XX/XX/XXXX and then again today to get a copy of my credit report and put a freeze on the account. In XX/XX/XXXXit was online ; today it was over the phone. 

In XX/XX/XXXX I received my credit report from the other two major agencies - XXXX  and XXXX ; I had no problem what-so-ever and placed a freeze on my accounts. 

Late last week my wallet was stolen containing my credit cards, bank card, driver 's license, and other id. I tried yet again today ( XX/XX/XXXX ) to get my Equifax credit report and place a freeze. Even after speaking to a manager, NO ONE WOULD HELP ME. 

I gave them my home address - XXXX XXXX XXXX, XXXX XXXX CO XXXX -associated with my credit card, but they would not help me. Neither rep tried to verify me. They both said, " we can't help you at this time. '' By the law, I am entitled to one free credit report each year, but Equifax is refusing to assist me. Their customer service is also atrocious. The manager made a racial reference. 

Is there anyone who could help me? 

Thank you and kind regards, XXXX XXXX XXXX
Consumer complaint received 2019-06-09
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. (TX)

three accounts US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX all three accounts were not in my name and are too old to be listed on my account.
Consumer complaint received 2019-06-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AZ)

In XX/XX/2019 ... we refinanced and paid off the mortgage that was been service by Loan Care. They told me it would take 30days to receive the reserved escrow money. Is now XXXX way more than 30days and we have not seen any money. They also over charged on the fees to get payoff and updates on the # s. Would like to see if this agency can look into why they holding on to escrow money for so long. The account online stating now that it has been {$0.00} in the escrow even all of XXXX.which is not true
Consumer complaint received 2019-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

There is an inquiry that has been placed on my credit file on XX/XX/XXXX from BANK OF AMERICAthat, I sent the credit bureau ( XXXX ) a dispute letter asking them to verify this inquiry because I did not authorize the company or anyone to submit any application and if BANK OF AMERICA claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that BANK OF AMERICA verified or validated this inquiry when in fact I never authorize the company to submit an application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3.  Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
Consumer complaint received 2019-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage payment is slowly increasing on a yearly basis and the reasoning is taxes increase and homeowners insurance. The homeowner issue has been resolved but the tax issue has not. I spoke to the tax assessor office and they stated that my taxes had not increased if so it would have only been for {$50.00} and that was last year. My payment started at XXXX, now it is XXXX approx. I have been requested to send yearly checks for shortage as well in the escrow account according to them.
Consumer complaint received 2024-08-17
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 XXXX XXXX  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 in 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. 

XXXX XXXX  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
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I requested for an income-driven repayment plan, filled out all the information, sent the information through fax ( which showed it went through ), now loan company is denying it went through ; delaying my request by such.
Consumer complaint received 2019-06-09
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. (DC)

On XX/XX/XXXX, a third party tried opening a credit card account with XXXX XXXX XXXX   under my name. This application ceased after XXXX XXXX called me and it was determined that the application had been fraudulent. 

However, a hard inquiry made by XXXX XXXX as part of the credit card approval process has remained on my Equifax credit report to this day. Upon my urging, XXXX XXXX submitted two or three inquiry suppression reports to Equifax, which should have led to the removal of the hard inquiry form my Equifax report. This inquiry, however, was never removed from the report. On the five occasions that I called Equifax, I was told that it never received an inquiry suppression from XXXX XXXX. On XX/XX/XXXX, I was told repeatedly by a person answering the phone for Equifax that XXXX XXXX misinformed me, and that Equifax can not change my credit report. I had also transmitted to Equifax ( both by regular mail and fax ) a letter from XXXX XXXX that stated that the credit inquiry from XX/XX/XXXX was based on a fraudulent credit card application, accompanied by a number of supporting documents. This communication has been ignored. 

Equifax has so far been extremely unhelpful.
Consumer complaint received 2019-06-09
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. (NC)

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS XXXX XXXX ( ORIG CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX  XXXX XXXX XXXX )
Consumer complaint received 2019-06-10
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: FIFTH THIRD FINANCIAL CORPORATION (IA)

When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: G&P Enterprises, LLC (CA)

I paid my HOA Dues using a Cashier 's Check. HOA committed Grant Theft by stealing my Checks ( 12 Cashiers checks works {$1400.00} ), after filing a small claim in XX/XX/XXXX HOA asked me to dismiss the case and accepted they have my checks but didn't cash it.

HOA sent this for collection and Allied Trustee Services, ignored the fact that payment was made using cashier 's check, a small claim was dismissed after mediation and they put a wrongful Lien on my property and they are now calling me to threaten to foreclose the home If I don't pay {$7300.00}.

Multiple mediation efforts with HOA Since XX/XX/XXXX Emailed Allied Trustee Since XX/XX/XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have closed my account and they have canceled my access to my information via the web. I have tried to get a record of XXXX and XXXX transactions - all monies in and out to properly account for on my tax returns. They keep responding via email to log on to get information, but MY LOG IS CLOSED and not working. I have emailed them ( they do not take phone calls ) and they only respond with auto reply that does not provide information
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

This account has been reporting to the credit bureaus and I asked for validation of the debt. They have not sent me sufficient validation that I own this debt. I need this account removed. Ive never had a report from the original creditor so I need these people to stop reporting this to my credit
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

I have disputed the validity of a Synchrony Bank/Care Credit account on my credit Reports. I sent a dispute directly to Synchrony Bank/Care Credit in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

This is a continue complaint on Comenity Bank in relation to the XXXX XXXX XXXX store credit card. 
The first complaint-XXXX-XXXX  in which Comenity Bank made the adjustments and resolved the issue. On a later complaint-XXXX-XXXX, Comenity Bank is now stating the charges were reinstated on my account because I requested a stop payment with my bank. This is not the case. Firstly, I contacted my bank and in speaking with a representative, they indicated it is not their policy to provide information of a customer 's account activity to a third party. Secondly, my bank is showing no history of a stop payment or request on my account. If there was a stop payment request with activity a stop payment fee would have accompany with the activity. I did request my bank to do an investigation of Comenity Bank and their activity related to the charges. Thirdly, Comenity Bank stated in their previous response to the complaint investigation the XXXX XXXX store credit card account was closed with no charges and reporting on time payments to all three credit bureaus. Comenity Bank has since made the decision to reopen the account and assign charges, with late fees, and reporting negatively to all three credit bureaus which is affecting my credit scores tremendously.
Consumer complaint received 2019-06-09
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: Fidelity National Information Services, Inc. (FNIS) (UT)

I was checking my XXXX report and none of those inquiries belong to me. I need to get this removed since this is affecting my ability to get a house loan and even open a checking account under my name. I need assistance with this as soon as possible.
Consumer complaint received 2019-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing a complaint in regards to a couple of letters that I send out to the credit bureau in which they are reporting an account that is being illegally reported on my credit report. After formally disputing it directly with XXXX XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory report. This is why I am filing my complaint after Transunion claim to have verified information after I have send them a letter certified with tracking number XXXX. Transunion is reporting several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or elsewise improperly reported and transferred by other lender/services on the report. I understand my rights and so I have served written notice of my consumer demand checking for federally required proof of compliance even to the Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and all of the loans in question were or were not handled properly when they were transferred.