davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. 

There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (PA)

In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.
Consumer complaint received 2023-04-26
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: North State Acceptance, LLC (TN)

I got a XXXX  with North State Acceptance XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the XXXX  and I had a payment agreed made with courts. North State did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to XXXX with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and XXXX still not fix it. Then after I made the payment left I get a alert that North State reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with XXXX for them to state the info was credit. How is this possible??? I contact North State and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc. (UT)

I was not aware that I had an outstanding debt because the medical facility sent the bill to the wrong address. Eventually, I was contacted by a collections agency about this oustanding debt I knew nothing about. Apparently, after several failed attempts to contact me via mail ( because they had the wrong address ), the medical facility sold the debt to a collections agency, who then contacted me by phone. I provided the collections agency with the correct address and they agreed to send me some information about the bill. I never did receive anything in the mail, but have since noticed a derogatory mark on my credit. I have yet to see any notification or documentation about my outstanding debt.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MO)

I have disputed XXXX XXXX XXXX with Experian on several occasions due to the numerous errors reported. Most recently, I checked the update of the last dispute to find that not only was the same information there, but that they are now being listed as a Collection in XX/XX/XXXX and XX/XX/XXXX. This account was paid off in XX/XX/XXXX. I called and spoke with an Experian representative on XXXX/XXXX/16 to find out what was going on and was told that this was the information reported from XXXX. I asked her how it could possibly be a collection in those months when it clearly stated it was paid and got the same response of how they can only report what they are sent, essentially making their " investigations '' irrelevant if all they are doing is reporting what they are given without actually reviewing it for accuracy. Since this call to Experian was made after speaking with the representative from XXXX, XXXX XXXX, I already knew that their stance is going to be that they provide the correct information and it 's the CAs that report it wrong over and over.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
Consumer complaint received 2015-07-15
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Abbott Osborn Jacobs PLC (MO)

This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with Pech-Huges of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (CA)

I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I deposited my paycheck into my checking account. I then checked my account later, and it told me that all the funds from the deposit were available. So I proceeded to transfer money into my joint account with my husband, my savings account and my daughters account. I try to only leave enough money in my checking account to pay the current bills. I checked my account this morning to see I was hit with XXXX overdraft fees at {$35.00} a piece, for a total of {$170.00}. This again over drafted my account. I called to speak to someone over the phone only to be told that even though my account said my paycheck deposit was available, it was not available. So I over drafted my account as soon as I had transferred the money, let alone the purchases I had made that day. I was told there was nothing that could be done as I was enrolled in overdraft protection on my debit card, even though in XXXX I had asked them to remove me from it. So now my husband I are going to be late on our mortgage, among other bills, plus I am worried about just getting food for our kids. I would not have transferred the money if I did not think it was available. If I have ever deposited my paycheck and the full amount was not available, it would tell me {$100.00} available from deposit. Not the full amount, which this time it did.
Consumer complaint received 2016-09-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I was recently denied a loan and the reason cited was a " Derogatory public record on credit file. '' I have been aware of this item in my credit report for quite some time and have been working for several months to have this removed from my credit report as it does not belong in there. 

The record at issue is a Judgement which appears in my Equifax report. Attachment A is a letter from the attorney for the prosecution explaining that while I was a defendant in that case, the judgement is against a different party. I was only named because I was a tenant at the time of the lawsuit and the lawsuit sought to possess the property, but never owed any debt related to this case. The XXXX County Court Order in Attachment B supports that statement. I was named in that case merely because I was a lessee. However, I have never owed any debt related to that case. Finally, Attachment C is the case history which you can also access at XXXX 

While this item has been successfully removed from my XXXX and XXXX reports, Equifax unfortunately remains obstinate. I have made two attempts to have this corrected and both times, I received replies that the item has been updated to report satisfied/released. ( See Attachments D and E, disputes XXXX and XXXX ). However, according to several telephone conversations I 've had with Equifax 's customer service representatives, there is nothing I can do to have the record removed entirely from the report. I am told that all I can do is wait until 7 years have passed since the judgement was filed, which is in XXXX 2017. 

The lawyers who prosecuted that case say that there is no judgement against me so it is impossible for them to go to court to have a judgment removed from the court records.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

Navient has circumvented contacting me directly by telling sensitive erroneous information to my friends by calling them unsolicited. Navient often calls and acts as a debt collector even when my loans are not in default and are not even 30 days past due. Navient also calls my cell phone during work hours at least XXXX times per day. Phone records should provide this.
Consumer complaint received 2016-12-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Equifax has not removed fraudulent information on my credit report, even though it has been reported over 60 days ago. 
XXXX ( XXXX XXXX is not the problem ) sent the first request to delete the information on XXXX XXXX, the AUD control number was XXXX. 
XXXX XXXX sent the SECOND request on XXXX XXXX, and the AUD control number was XXXX. 

I am unable to dispute the process through Equifax 's own website as they still have inaccurate account verification questions, which prevents me from accessing my credit report. Any other method of communicating with them officially is beyond me as I have limited transportation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Bank of America should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws