davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
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. (NC)

Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attempted to freeze credit report w/TransUnion via XXXX XXXX XXXX  Learned that, to do so, I need to have/create an account. Clicked " Do I already have an account? '' link & learned that since I had previously filed a Fraud Alert, I already have an account. Do n't know logon info so clicked 'forgot username/password ' link & landed here : XXXX XXXX XXXX  This page asks for SSN ( x2 ) +last name. Input info & got error mssg that the SSN I input was invalid so I wound up attempting to input multiple more times before this page popped up : XXXX XXXX XXXX  ... which has a blatant typo/improper grammar. Tried to reach a person at TransUnion to get help freezing credit report & learn if I was just scammed by a fake page but could reach nobody. 

So, I think a scammer just got my name & SSN by spoofing ( is that the term? ) TransUnion 's credit freeze page.
Consumer complaint received 2017-10-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I received all of my loans from Navient while it was XXXX XXXX. I also have all of my federal loans serviced under it. I graduated in XXXX and immediately after graduation could not afford the loans. I used up all of my forbearance and did this because the only option they gave me was to force my cosigner to pay. There was no income based repayment. This cost me more money - I did this for XXXX years. I made payments for a year, and then because I could not afford such a high loan rate with just my XXXX credentials - I went back to graduate school for 3 years. My loans were deferred this whole time. 

Unfortunately - graduate school just added more interest to my loans. I am nowXXXX years old and owe $ XXXX to Navient. I also owe another {$45000.00} to XXXX ( not on my Navient account ). This means I have over {$220000.00} in debt. I only make {$60000.00} a year - I will never be able to pay this back unless I do not have a family and never buy a house. My life is over. I currently my {$670.00} a month payment from Navient and my {$400.00} from XXXX ( the XXXX XXXX XXXX ), I pay 1/3 of my income just to loans. XXXX also refuses to income back repayment -my payment instead goes up. Unfortunately, even if I do get income based repayment at this point - still owe over XXXX so I feel pretty hopeless. I have no savings and my loan payment goes up every year as I make more money - I ca n't get ahead. I can not do another forbearance and my parents can not pay my loans because they are currently already paying my siblings loans - all form Navient. My brother also owes XXXX and is in the same situaion. My entire family 's credit and lives have been ruined by this company. If it were not for my debt - I would be successful citizen who can help our economy grow. I have a XXXX XXXX in XXXX XXXX and I work as a XXXX in the XXXX XXXX XXXX XXXX XXXX. 

my dreams will never come true. I sometimes wonder if college was not the biggest mistake of my life - I 'm not making more money because of my loans- perhaps I would have been better off debt free with a lower wadge. I have no financial security and fear for my well being on a regular basis.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been a Bank of America credit card customer since 2003. Without any notice, Bank of America decreased my credit limit from {$19000.00} to {$500.00}. 
I have been diligently working on fixing my credit rating, and recently made a payment to Bank of America for over {$19000.00}. Making such a drastic credit limit decrease will adversely effect my credit rating. I just got off the phone with Bank of America and they were unable to help. Is there anything the CFPB can do?
Consumer complaint received 2017-10-07
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. (CA)

Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.
Consumer complaint received 2018-01-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nicholas Financial Inc. (FL)

There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.
Consumer complaint received 2018-04-16
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. (MI)

Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
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. (TX)

I have been informed that I was potentially impacted by the Equifax 2017 security incident where my information may have been stolen via website vulnerabilities.
I am furious that a company that I can not limit information sharing from has handed over my most sensitive and personal information to hackers and has not protected it adequately. I 'm further outraged that this appears to impact a significant portion of the American public, not just an isolated incident! 

I demand that Equifax provide lifetime credit monitoring services without asking that I surrender my legal rights through arbitration clauses.
Consumer complaint received 2018-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

On XXXX XXXX, XXXX, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX has removed those items, including these two accounts. So i dont know why portfolio recovery is still listed on my XXXX and XXXX. The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help me!
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: Stellar Recovery, Inc. (MN)

STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.
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. (IN)

I recently learned about the Equifax breach. I am very upset that I did NOT learn about this through Equifax, but rather a few days later through the news. Equifax has not, at the time of this writing, contacted me or my wife. 

Furthermore, Equifax did not make it easy to see if the sensitive personal information of myself or my wife were exposed. While Equifax does have a website ( https : //www.equifaxsecurity2017.com/ ) for this breach, following the instructions there failed to confirm or deny our inclusion in the breach. Instead of appeared to be enrolling me in a program without my consent. It took considerably more time and effort to confirm that our information was exposed. 

When I attempted to use the confirm/deny tool release by Equifax website ( https : //trustedidpremier.com/eligibility/eligibility.html ), I was concerned that the website was actually a scam because it redirected to 'trustedidpremier ' and I had no idea what that company was. Nothing on the preceding page indicated a 3rd party company would be involved. This is not good. 

Once it was confirmed my ( and my wife 's ) information was exposed, credit monitoring was not immediately available. This is a time-sensitive matter. 

The Equifax website failed to note that a free fraud alert could be placed immediately, which would have been useful for those affected to know. 

Equifax is offering free credit monitoring, but they are doing so via a company owned by Equifax. This is not acceptable. 

The terms and conditions of the credit monitoring are overly restrictive. It is my understanding that the New York Attorney General is investigating if these T & C are even valid.
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)

I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . 

I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. 

I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.
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 — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XXXX XXXX XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that XXXX remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.
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. (CA)

Equifax exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.
Consumer complaint received 2017-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. 
At this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. 
Finally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX