davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

I have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Consumer complaint received 2017-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well.
Very Respectfully, XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Veteran
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Security Breach of personal information which puts my financial future at risk for the rest of my life. 
Equifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. 
EQUIFAX has NOT provided proper notification of the security breach. 
EQUIFAX has suggested they will provide a 12 month monitoring service for my credit. 
The remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. 
EQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. 
Further, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.
Consumer complaint received 2017-09-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In XXXX of XXXX, my wife and I were pre-qualified by Wells Fargo Mortgage to purchase a home in the amount of XXXX. We placed an offer on a new construction home which had been on the market for 6 months. During the negotiations, we asked the builder to throw in a fence and we would offer XXXX. The builder ( XXXX XXXX in XXXX Alabama ) said he would put the fence up, however, my wife and I would have to pay XXXX ( above our Ernest money ) which would come back to us in closing. However, if we BACKED out of the loan ( this is key ) we would NOT get our money back. Three days before closing, Wells Fargo called us and told us they could not write the loan. When we contacted the builder ( as we DID NOT back out, the bank messed this up ) they said they would give us only till XXXX XXXX XXXX to purchase a home from them and they would apply the XXXX to that home. Who would want to purchase a home from a shady place like that knowing we had nothing to do with what happened? So, we called Wells Fargo for replacement of the XXXX they told us in not so many words, it was our loss even though we were completely mis-lead from the prequalified letter to the whole work up to closing. 
My wife and I are both XXXX 's. When we applied for the loan we were both XXXX XXXX with XXXX XXXX and told our mortgage officer XXXX XXXX in XXXX Alabama that we were leaving the XXXX XXXX and coming back home permanently. She was fully aware and we got taken for XXXX and Wells Fargo refused to make it right. 
Please help! I was unaware of the CFPB till seeing a report on a Sunday Morning program today! 

Please contact me if more information needed. 

We spoke with a man at Wells Fargo in their consumer division named XXXX XXXX ( XXXX ) XXXX XXXX XXXX Wells Fargo XXXX XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Cell
Consumer complaint received 2017-08-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

There is a WV State Tax Lien in the amount of {$690.00} showing on my XXXX credit report and this was paid and released on XXXX XXXX, 2012. I have sent in verification to Equifax showing this has been satisfied and its still showing as unpaid. I have also disputed this with Equifax and never received a response, only stating it was a valid debt and did belong to me. It needs to be updated and corrected that this has been paid and released.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, XXXX and Transunion, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I took a personal line of credit ( payday loan ) out from this company and have been trying to setup a payment plan for my balance with no help. This company is charging me 299 % interest on a {$850.00} loan and they have a daily interest rate which every 14 days is costing me almost {$100.00} in interest. CashNetUsa is robbing people from their hard earned money. Something has to be done about the outrageous interest rates they charge. I have paid over $ 600+ in fees and interest already this year on a {$850.00} line of credit this is beyond a good company this is a scam and fraud.
Consumer complaint received 2017-11-17
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. (NC)

I was looking at different autos for sale. I inquired if one was for sale at XXXX XXXX XXXX XXXX NC. XXXX XXXX I checked my credit score few days later and saw that a hard inquiry had been done to my credit. I called XXXX ford and asked them why they did that without permission. They told me that they had not done any inquiry. Then they proceeded to send me a dozen emails about the truck I asked about. I have contacted every credit agency possible. I have been told that unless XXXX XXXX sends the agencies a letter saying I did n't allow them to do the hard credit inquiry I can not get it off my record. I never authorized this. No one will help me. Now my credit score has dropped 50 points. I do n't understand why I 'm being penalized for this fraudulent activity. I do n't know what to do now.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES (NC)

XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I spent {$25000.00} using my American Express Gold Delta card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my Delta Skymiles account and reported to Delta the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my Delta Skymiles account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. Delta asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager,  that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed " yes '' out of me and e-mailed me a note " XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. " I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

1. XXXX 2. XXXX 3. Equifax The/XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and XXXX accounts not reporting : 1. The/XXXX Opened XX/XX/XXXX balance is {$2100.00} 2. XXXX XXXX opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XX/XX/XXXX Equifax accounts not reporting 1. XXXX XXXX Opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XX/XX/XXXX
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. (NY)

Equifax through not protecting my private information caused the leak of my ssn, name, and DOB. I feel this company jeopardized my future and should be shut down.
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. (MA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely angered with how Equifax has handled reporting this breach. Hardly anything at all was done to notify the public for nearly a month after the breach was detected. A physical letter? No! An e-mail? No! Unprofessional and low class. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. This potentially could ruin millions of hard working people.Dealing with the 3 credit reporting companies is beyond tedious. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
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. (CO)

Equifax did not properly secure my most critical personal information, allowing it to be stolen as part of a large data breach. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via news on the internet. In addition, the day the attack was announced publicly, the website which should have verified whether or not I was a victim did not function properly ; it did not tell me the answer to this question, only giving me a date of enrollment.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.