davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Around  XXXX / XX/XX/XXXX  my mortgage was sold from   XXXX   XXXX   XXXX  . to Nationstar Mortgage. The terms were to remain exactly the same. The  XX/XX/XXXX ARM has an interest rate change date of XX/XX/XXXX , resulting in a payment change for  XX/XX/XXXX . My monthly statements from Nationstar puts the new interest rate on  XX/XX/XXXX .
I spoke with a customer service rep (  XXXX  ) on XX/XX/XXXX , another rep named  XXXX  on  XX/XX/XXXX  and a customer service rep named  XXXX  on  XX/XX/XXXX . These representatives acknowledged that I was correct, that my interest rate change date is  XX/XX/XXXX and my monthly statements continue to indicate it will be  XX/XX/XXXX .
I keep receiving refinance solicitations from Nationstar multiple times per week. I have no interest in doing any such thing with this company.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The details of the fraudulent accounts are as follows : 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 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 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 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 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 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 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
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file.

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily.

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records.

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been trying to get a payment history from Navient for about two years, with an explanation on how they came to the balance they have as it looks to be nearly 4x what I believe it to be. They refuse to provide a history of any kind or copies of the loan documents to show they are able to charge fees on the account. My loan is approximately 20 years old and I want to see what I agreed to.
I previously filed a CFPB complaint which they only provided a generic response that I would have to call them. They have never, in nearly 2 years, provided a payment history or loan documents despite numerous requests. Calling them does n't provide the payment history or the loan documents and given the conversations previously, I would prefer all communications to be in writing. I absolutely do not want them calling me.
Navient has intercepted my federal tax refund, with a pending dispute on the loan, and still I have no idea what the balance is or how they came to that number. This seems patently wrong - how can you intercept funds, without proving those funds are owed?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

The Dept of Education transferred a Plus loan from   XXXX   XXXX   year  XXXX / XXXX  to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

Right after  XXXX   XXXX , 2017, I contact a mortgage company,   XXXX   XXXX   to discuss refinancing of my mortgage. While I was on the phone I gave the loan officer permission to pull my credit report from Equifax. I was advised that they were unable to pull it because I had a fraud alert on my file. I advised him, yes I do and I will remove it. I have the Equifax Complete Premier Plan. The Plan is suppose to allow me to put on and remove alerts, any alert that is on my account. I called several times and spoke with overseas customer service agents who assured me that the fraud alert had been removed. At least 3 overseas agents told me this. I contacted the Loan Officer and they still could not get into my file. The Fraud Alert was still showing. The next time I called I asked the overseas agent to transfer me to a customer service agent n the USA. They did and I spoke with  XXXX  telling her the problem I was having. I told her every person I have spoken with told me the Fraud Alert was removed. She apologized and told me told me she would send a request to their IT department to get this corrected, it would take about 7days. I told her that everyone is telling me that the alert has been removed, but it still shows " ON '' on my laptop. She gave me a reference #  XXXX . I got a letter yesterday from Equifax dated  XXXX   XXXX , 2017 saying the FRAUD ALERT has been removed.  XX/XX/XXXX  I got a card from  XXXX  saying they received information from Equifax and the FRAUD ALERT has been added to my file. On XX/XX/XXXX  I got a letter from   XXXX   advising the FRAUD ALERT has been added to my file. Added to my file, I 'm trying to remove the FRAUD ALERT. No one should have to go through this type of terrible service.
I received a call from  XXXX  from Equifax due to a negative review that I gave after my conversation with the last agent I spoke with.  XXXX  apologized and told me, " I would need to send a letter to Equifax requesting they remove the FRAUD ALERT. '' WHAT is going on with Equifax. I mailed the letter that he requested on  XX/XX/XXXX . They have caused such an unnecessary delay in trying to refinance my home. Please help me get this issue resolved.
Consumer complaint received 2017-07-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC (WA)

In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.
Consumer complaint received 2024-10-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In reviewing my credit report, I noticed XXXX inquires ; XXXX from XXXX XXXX XXXX and XXXX XXXX dated XX/XX/year>24. I do not recognize these inquires and have reached out to Equifax who will not assist with my request.
Consumer complaint received 2017-07-17
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: LEXISNEXIS (GA)

I submitted a request for   XXXX   to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that  XXXX  had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why   XXXX   chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that   XXXX   refused to block were as follows :   XXXX   XXXX   XXXX    Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to  XXXX  were fraud.
  XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case   XXXX   Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to   XXXX   by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis.
LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I filed a Statement of Fraud with Macys Department Store by fax  XX/XX/XXXX  after I discovered a theft on my account ending in  XXXX . I reported the card lost or stolen and a replacement card was issued. However, the minute I reported the theft in XX/XX/XXXX  Macys took all of the statements off the website for the account ending in  XXXX . I waited three months to receive them by mail meanwhile Macys wrote to me and threatened collections. The Macys Card stopped reporting with all  XXXX  credit bureaus, The Statement of Fraud included the following charges  XX/XX/XXXX   XXXX   XXXX  merchandise not mine XX/XX/XXXX  Macys.com  XXXX  returned XX/XX/XXXX Macys.com   XXXX   returned  XX/XX/XXXX  Balance Transfer from Acct ending in   XXXX     XXXX  *Note : Erroneous and Fraudulent Charges for the  XX/XX/XXXX Statement Duplicated in  XX/XX/XXXX . I can no longer obtain the statements on the website for the corrupted account ending in  XXXX .
A police report was filed. I have made numerous phone calls, written emails and faxed letters. Macys Fraud Division has ignored my request for credit of all the above referenced charges and they have transferred a corrupted balance from the card reported stolen to my new account.
Further I used my   XXXX   XXXX   XXXX   card on  XX/XX/XXXX to participate in a Macys.com 50-70 % MORE Sale. The order I authorized for  XXXX  on  XX/XX/XXXX  changed without my knowledge and consent to  XXXX . In addition to this failure of Macys to honor their sale each of the items in the order was separated and charged to the   XXXX   XXXX   XXXX   card twice, once before each item shipped and then again a ( 2nd ) second time during delivery. Fraudulent Charges on the   XXXX   XXXX   XXXX   card  XXXX  in XX/XX/XXXX . I can see why my Macys Store account is having problems.
I can not even begin to express to you how overly burdensome the problem with Macys has become in my household.
I have waited well over the statutory requirement for resolution of this theft and am seeking assistance now from your agency. Thank you.in advance for your courtesy and cooperation.
Consumer complaint received 2017-07-17
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. (AL)

RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE