davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$7400.00} XXXX XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-10
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. (ME)

Recently, I was notified that my Equifax credit score dropped by 50 points. This was completely unexpected as the only new credit activity on my account is 1. ) I paid off an auto loan and 2. ) I was recently approved for a forbearance for my student loan. 

I called Equifax on the following dates to try and speak to an Equifax representative who I hoped would be able to tell me why my score suffered such a significant decrease. I made these calls on XX/XX/XXXX, XXXX and XXXX, XXXX at varying times of the day. Every time, after waiting inordinately long times on hold, I was connected to a representative who did not speak English well enough to answer my question. The only thing I was barely able to understand is that they said I would " have to speak to a credit specialist '' outside of the company to get an answer to my question of why my Equifax score dropped. This is absolutely absurd since it is Equifax who dropped my score and it is Equifax who creates that score in the first place. Not only this, but I was one of the 143 million Americans who was part of the Equifax hack, and I have not received a dime from these people. Their lack of customer service and lack of respect for the security of Americans ' private information is criminal. Equifax should be shut down. 

In my view, what would resolve this particular issue is that I want them to explain to me why my score dropped, that's it, plain and simple. That would resolve this particular dispute. Although in no way do I waive my right to pursue litigation against Equifax and/or its successors and assigns in connection with the XXXX hack, which again, I was part of. In addition, it should be criminal that their customer service representatives barely speak English. Credit is too important to be trusted to foreign nationals who have no business having access to the private credit information of Americans.
Consumer complaint received 2020-05-10
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. (VA)

Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-05-15
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-15
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. (CA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXXXXXX  insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I continue to seek an equitable solution from my lender, XXXX XXXX to resume making mortgage payments. The California Homeowner 's Bill of Rights states that a homeowner has a right to know who their lender is, and to be able to make contact with them. The recorded message at XXXX XXXX XXXX states, " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all decisions concerning the terms of you loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have not done so already. If you are in contact with your servicer, please continue to seek guidance from them .... '' The servicer of the loan, Shellpoint Mortgage Servicing, continues to say that XXXX XXXX makes all the decisions. In Shellpoint 's literature under the title of " Need Mortgage Help, '' it states " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. Forbearance, 4. Loan Modification, among other options. A recent  conversation with them revealed that they do not offer any of those except for a modification or short sale. The modification available reduces the mortgage by a few hundred dollars. Given this, I retained the services of XXXX XXXX, an attorney at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX, XXXX, Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The XXXX has never responded to XXXX XXXX or to me. Shellpoint did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modifications thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. ''
Consumer complaint received 2017-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ND)

InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. 
XXXX XXXX XXXX North Dakota.
Consumer complaint received 2020-05-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX  XXXX {$160.00} XXXX XXXX   XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient enrolled me in a payment program to catch up on my payments under the guise that if I made a payment of {$220.00} that same day ( XXXX XXXX2020 ), I would not be reported to the credit bureau as being late as I was working with the loan company to get current as this was a form of forbearance. As long as I made the payments for the months of XXXX, XXXX, and XXXX my account would be brought current and I would not be reported. Under this program I also had to provide my debit card information to be signed up for automatic payments for XXXX, XXXX, and an additional 12 months after. I learned yesterday ( XXXX XXXX2020 ), that Navient did report me to the credit bureaus as being 120 days late and reduced my score by 20 points. I then called Navient after learning this to get more clarification. The supervisor I spoke to, XXXX XXXX ( Employee XXXX ), told me I was given wrong information that they would still be reporting me to the bureau and that there was nothing to be done if my credit score was impacted due to the misinformation I received. I also asked for the recording of that initial call when I was signed up for the program, she told me I would need an attorney to do so via court. Navient has done this exact same thing to me back in XXXX of 2020 by offering a different automatic payment program. They reported me to the credit bureaus after they said they wouldn't and my score fell 60 points.They are lying to consumers in order to get same day payments.
Consumer complaint received 2020-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXX / BB & T Bank Representative XXXX XXXX said XXXX XXXX XXXX BB & T Bank could help with my banking needs. I wanted easy online access to funds. After opening an account I requested online access. 4 days went by and I followed up 2 times about online access to funds so that I can pay a bill. On the 4th day XXXX called me and said they would not be my banker as " We could never satisfy your needs. Just tell us where to send your funds and we'll wire them over. '' She explained to me that my assets were frozen and I would not be given online access to those funds. 

I said sure as she expressed the funds would be wired out to the bank account of my choosing .... and proceeded to open an account with XXXX XXXX, then provided the routing & account number to XXXX XXXX of XXXX XXXX / BB & T. She then replied I would have to go to the branch and pay the wire transfer fee to receive my funds. 

I have not been provided an adequate explanation why my assets were frozen, why I would not be given online access to those funds as other customers are, and finally why I would have to go to the branch and pay fees to access those funds.
Consumer complaint received 2020-05-15
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. (MD)

EQUIFAX AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. EQUIFAX AND XXXX   MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EQUIFAX AND XXXX  PURPOSELY ALLOWS XXXX XXXX  TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX, AND EQUIFAX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Consumer complaint received 2017-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

Over a year ago I had an open account with Citizens Bank. The account was accidentally overdrawn {$2.00}, and I was charged a huge fee of {$35.00}, which is 1502 % interest. I called the bank to explain that I could n't cover the overdrawn amount ( now {$37.00} ) until the XXXX when my direct deposit was scheduled for, and they indicated that they would continue to charge me fees for not being wealthy enough to cover their ridiculous fees. I explained that this was unacceptable, and that I would be closing my account and taking my money with me if they did n't stop posting fees to my account, as this policy obviously only affects poor people who ca n't cover the initial huge fee and turns into a vicious theft of money. I do n't get to charge the bank 1502 % interest when they borrow money from me, so this is an abusive relationship. 

Citizens Bank continued to charge my account, and I followed through on my word to leave as soon as the XXXX rolled around and my deposit came though. I withdrew and transfered my money ( minus the first {$35.00} fee ) and left the bank. 

I went to work on XXXX XXXX down in Massachusetts, and after working a 16 hour shift, made sure to file paperwork canceling my direct deposit before driving 4 hours home. The next day I began calling payroll and leaving detailed messages ( they never answer the phone ) to ensure my check would be mailed to my address and not sent to a bank. 3 weeks later I still had not received a check and began calling payroll again, to eventually find that my paperwork and phone calls were ignored, and a direct deposit of $ XXXX was sent to Citizen 's Bank. I checked the account and it had been closed ( as it should have been ) before the deposit was made, but payroll claimed the amount was never returned to them. From what I can gather, Citizens Bank has been holding my {$340.00} paycheck without my permission or an open account, for over a year now, and I have n't seen a penny of it.
Consumer complaint received 2017-09-10
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. (TX)

Equifax was hacked and my information was stolen. I 'd expect a company whose job it is to keep personal information private have at least a competent security system. Now my information is available for unauthorized use forever. Given that they stole my SSN and all other personal information, I believe this will be an issue I will deal with for my lifetime.
Consumer complaint received 2020-05-15
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. (MD)

XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Consumer complaint received 2020-05-15
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. (MD)

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX .... XXXX ... XXXX XXXX .... XXXX .... XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...
Consumer complaint received 2017-09-10
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)

Equifax failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.
Consumer complaint received 2020-05-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verificati

on ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method o
f verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian.

All supporting documents have been attached
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX