davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

- We purchased a new home in XX/XX/2019 and moved to a new address. 
- in XX/XX/2019 I applied for my third and final student loan for XXXX XXXX ( two previous loans approved. I have high 800 fico score -  Student loan declined not for credit, but due to Equifax not finding my credit file -On XX/XX/2019 I was instructed to call Equifax which I did and they informed me that they could not find a file under my name with that social security number or address.They requested me to fax a  letter with a copy of my social security card, drivers license, utility bill, -On XX/XX/2019 I faxed all of the above items as well as my old drivers license from my previous address and my new driver 's license from my new address and even sent them a copy of my grant deed on my new home - On XX/XX/2019 Equifax sent me a letter informing me that the fax we sent was illegible and they sent me a list of new items to send them. 
_On XX/XX/2019 I made color copies of all of the requested items including a copy of my W2 from work. I also include a copy of a Factual Data report that was run by our home loan lender. This report shows my name however the last four of my social security is incorrect. I pointed this out to them in another detailed letter along with several pieces of documentation per their form letter. I sent this letter via USPS priority mail as I am in need of my third student loan to complete my XXXX XXXX degree. 
-On XX/XX/2019 I received another form letter from equifax identical to their XX/XX/2019 letter. 
On XX/XX/2019 I ran my own credit report for the 3 major bureaus. I received two of the three reports with my correct personal information except for Equifax that would not provide me a report with the online information I provided. 

I am a XXXX XXXX  in an XXXX XXXX XXXX as well as going to XXXX XXXX. 
I am not a credit seeker and both my husband and me have outstanding credit. 

We sent the items as requested by Equifax. We sent more items than they required as well as their own report that shows they have my wrong social security number. 
It is unfathomable that this so-called Credit reporting agency can  provide accurate reports for me for over 10 years and now all of a sudden they can not find my file, creating a significant problem for me obtaining my student loan. No because of poor credit but due only to their inability to correct my credit report. 

-It is noteworthy that all the other credit bureaus list my name as XXXX XXXX XXXX except for Equifax that lists me as XXXX XXXX . 
Also noteworthy is that the last 4 digits of social security number Equifax is using is " XXXX '' WHICH IS NOT MY SOCIAL SECURITY NUMBER! 

Please help me as I need to register for my next semester and can not due to an Equifax error. This is now compounded due to their terrible customer service and form letters. 
Again please help me. I hope that someone is not in the process of stealing my identity!
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (CA)

On XX/XX/XXXX. I emailed my Bank M & T Bank that handles my mortgage to please send me a way to get my ex wife off the mortgage as I have bought her out of the house. They instead sent me a letter stating that I dont qualify as I had missed a payment in XX/XX/XXXX as I had a XXXX and wasnt get paid my XXXX yet and XX/XX/XXXX as my account was hacked and money was taking out. I made a partial payment and made up the rest in XX/XX/XXXX. I feel they are discriminating against as I am still recovering from my XXXX. Also they like that my ex wife set up a variable rate before she left. The divorce was final XX/XX/XXXX. And according to court orders I must take her off the mortgage and M & T bank is not allowing me to do so and they will make me in contempt of court if not or I will be forced to sell even thought I bought her out of the home. Thank you for your help
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.
Consumer complaint received 2018-07-02
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: TD BANK US HOLDING COMPANY (CA)

I borrowed auto loan through TD Auto Finance since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call TD to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to TD credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, TD insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to TD regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Consumer complaint received 2019-05-28
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)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-06-07
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. (NY)

I have sent notices to Experian, XXXX, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Consumer complaint received 2019-05-29
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. (GA)

I checked my credit report last year around XX/XX/2018 and I discovered that there were fraudulent accounts listed within my credit report that I'm not responsible. Ive disputed student loans with ( US DEPARTMENT OF EDUCATION ), fraudulent credit cards, medical bills, and apartments. All of the student loans from XXXX and XXXX XXXX have been removed. Somehow out of 10 fraudulent student loans 3 of the student loans continue to be verified. Ive filed a complaint with the FTC and nothing has changed. Ive Never in my life attended anyone college to take out a student loan. My other issue is that once I dispute the other fraudulent accounts they come back in about 2 months. MY LIFE HAS BEEN COMPLETELY DESTROYED BY SOME CRIMINAL. Ive even went as far as getting a POLICE REPORT and that haven't helped any.
Consumer complaint received 2019-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NV)

Dear Bureau : About 1 year and 4 months ago, I decided to refinance my car with OneMain financial. At that time the staff of One Main proceeded to explain the details of the loan, it was quick and a lot of information to assimilate at the same time. Anyways, I applied and I was approved, the details are broken down in the attached document. My previous loan with XXXX XXXX was XXXX that they proceeded to pay and on that amount they also financed an amount of XXXX, for a total of XXXX ( OneMain loan plus the daily interest payment on this principal amount ) Since XX/XX/XXXX I have been paying around XXXX dollars per month every month, many times with a lot of sacrifice as you will see attached the bank 's emails of " insufficient funds ''. This loan with ONEMAIN has cost me my emotional tranquility, this debt is unsustainable, by itself and also because my emotional and financial situation is in detriment. I asked for help, OneMain offered me a loan deferment for 2 months ( document attached ) which actually ended up making things worse because the process was not explained clearly to me ) and it ended up adding late fees. In the last months I have suffered several difficult situations, among them my mother 's illness in the middle of XXXX until her passing in XX/XX/XXXX ( I had to be responsible for medication and funeral costs ), I have also been forced to sign with a XXXX XXXX XXXX to pay my credit cards to the limit since it has spiraled out of control, my health It is deteriorating and I have had more than 10 visits to the doctor in the last two or three months ( XXXX, XXXX, XXXX problems, among other ), on top of all other expenses and daily situations that occur in life. I appeal to One Main through you, to request help in these difficult times emotionally and financially, for a restructuring of this loan, interest reduction, or any help that can decompress my situation in these difficult moments. Thank you.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

There was a transfer through XXXX to my Wells Fargo checking account. With XXXX, funds are typically available immediately as I have set up XXXX on my account. I received an email from Wells Fargo stating that the funds have been received but the funds have not been made available to me. I have spoken with representatives from Wells Fargo and no one can tell me when the funds would be available. Wells Fargo representatives suggested I contact XXXX despite an email I received from Wells Fargo stating that Wells Fargo has received the funds.
Consumer complaint received 2019-06-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC. (IL)

Equifax is not letting me access my account. I verified all the information name, address, ssn, dob, etc but I am still denied access to my account because I failed the security questions regarding payment amounts in the past. I've had over 10 accounts with different payments, I can not possibly remember each account. Agent XXXX - XXXX was very rude and had very nasty attitude.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (LA)

Premier Student Loan Center approached me in XX/XX/XXXX. They offered services to prepare and submit the documents for my student loan forgiveness programs. As a third party company they would receive my payments, take a fee, and applying said payments to my loan servicer. I accepted the offered services, signed a contract, and began making payments. I was supposed to be signed up for the following forgiveness programs : Income Drive Repayment Plan and Public Service Forgiveness. However, 17 months later I am finding out that they never submitted my Public Service Forgiveness application that I sent to them, causing me to lose the years of service that should have been applied toward my loan forgiveness. The requirements of this program are 120 payments. I started paying this company on XX/XX/XXXX, however, the company that actually services the loan, XXXX XXXX, has no records of payments until XX/XX/XXXX. The first records of {$0.00} payments are on XX/XX/XXXX according to Department of Education. Not only did the Premier Student Loan Center not report any type of records stating I was making payments for 6 months ( XXXX ), but also they have take 17 payments that will not go toward my public service. That is 17 months of service lost. I have now been enlightened by XXXX XXXX that my payments to them were {$0.00} payments, due to the Income Driven Repayment Plan, allowing the Premier Student Loan Servicing to pocket every penny of every payment and not do anything toward the actual forgiveness of my loan over the 120 payments as promised and signed in my contract. When I was approached by this company the only program I wanted was the Public Service Program which they failed to submit. This company claims that they are a document preparation company and the contract states " 2. Performance of Services. Upon receipt of all information from Client, Company shall promptly analyze Clients situation, review the information provided by the Client, and complete the application forms required for the DOE program ( s ) that have been selected by the Client. Company shall prepare for filing an application to initiate a federal student loan consolidation through the DOE on behalf of Client, or alternatively and at the Clients option, identify and apply for other DOE-sponsored programs suitable for Client. All completed applications shall be delivered by Company to Client for Clients approval,  signature and direct submission to DOE. '' However they completely failed to do what they contractually promised on top of extorting my payments. 

Payments are listed below : XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Totaling : {$1600.00}
Consumer complaint received 2019-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I was out of a job for 4 months and I couldn't afford to pay my student loans, I called Navient and they told me I don't have any forbearance on my private loans, so I had no choice to let the loans go 90 days past due. 

When I found a job in XXXX, and caught up on my other bills, I decided to call Navient to get my loans back current. The amount they wanted me to pay was something I couldn't afford, so they told me I can qualify for a rate reduction program, I gave them the information they asked for to see what my reduced monthly payments would be. After giving them this information and a payment, I was told that the account will become current after 3 months of successful payments, and the past due would be added to the loan. I agreed. 

While in this 3 month trial, Navient is sending out letters to my co-signers and references stating that if they don't make the past due payment, they will report the account as delinquent to the credit bureau which will affect their credit. How is this possible if I'm making payments? Why are you sending letters to them and not me? Is this a tacit to get more money to Navient? Why is Navient preying on my co-signers after setting up an arrangement with me?
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The following people were contacted by this company- me, my husband, my father, my mother, my sister, my sister-in-law, and I was left a message at my place of employment. They stated that I was a defendant in a lawsuit and I needed to contact them within the next 24 hours- this is Portfolio Recovery Services about old debt that has been written off. The phone numbers they called from were XXXX and XXXX.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to apply for a loan with XXXX XXXX. Equifax has a lock on my credit file, and I have contacted them twice to get the file unlocked. Note that it is almost impossible to reach A LIVE AGENT AT equifax. Two week ago I was told that to unlock my account they would be sending me a PIN code. It never arrived, and now my XXXX XXXX loan has been rejected due to their inability to see my file at Equifax. 

In XX/XX/2017 the same thing occurred with another bank trying to access my Equifax file. The two other Credit Reporting agencies have NOT been a problem at all. 

Equifax needs to unlock my report, and they refuse to do so, causing me financial harm.