davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

I attempted to obtain my free credit report online at XXXX on XXXX. However, apparently I did not answer the identification questions correctly and was informed I had to submit a written request to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. This concerned me b/c all of the questions online asked about credit cards or loans ; which I answered not applicable as I just turned XXXX years old on XXXX XXXX, XXXX and have never applied for credit- so I don't understand how I didn't answer the questions correctly. On XXXX I mailed The XXXX XXXX XXXX   Request Form with a cover letter, and selected Equifax as the agency I wanted my credit report from. WITH THE FORM AND COVERLETTER, I submitted a copy of : My WI driver 's license showing my current address, a copy of my passport, a copy of my social security card, and a copy of my CDL permit license to prove my identify and address. In response, Equifax sent me 3 letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting verification of my identify such as a driver 's license and social security card, EVEN THOUGH I SENT COPIES OF THESE ON XXXX WITH MY ORIGINAL REQUEST. I attempted to contact Equifax via telephone on XXXX, at XXXX however, the employee barely understood English and I could not understand her at all due to her inability to speak English. As such, on XX/XX/XXXX I AGAIN submitted ta copy of the original cover dated XXXX with an additional written statement that I had already submitted the identification documents with my original request and insisted to know why they keep asking for documentation that I have already sent. I also sent ANOTHER copy of my drivers license and social security card with the second letter. I am extremely frustrated at this point ; as they refuse to send me a copy of my credit report. I need my credit report to apply for a car lease and I want to verify that no one has stolen my identify and requested credit illegally on my behalf before I apply for the lease. Again, I have never applied for credit. If I have no credit report, then they should just notify me. If needed, I can fax or scan a copy of all correspondence sent to Equifax and received by Equifax at this point.
Consumer complaint received 2019-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

My daughter passed away on XX/XX/XXXX ; as a result, we needed to refinance the mortgage of our second home ( she was on the title ). Upon refinance, Ditech issued 2 checks and sent them to the property address ( renters were living in that residence and they did not provide us with the checks in a timely manner ). The 2 checks totaled {$3400.00} ( 1 check for {$1100.00} was an escrow refund and the other check in the amount of {$2200.00} was disbursed from a suspense account ). We did not receive the checks until roughly a year later when tenants vacated the property that was refinanced. 

I have contacted Ditech a total of 9 times as detailed below : XX/XX/XXXX - spoke with XXXX ( employee # XXXX ) - she said they would reissue the checks in XXXX 's name and we never received them ; XX/XX/XXXX - Spoke with XXXX XXXX - he indicated that I had to supply them with a death certificate, which I did ; XX/XX/XXXX - Spoke with XXXX in the XXXX, AZ, extension XXXX, and she told she was putting in the check re-issue request ; XX/XX/XXXX - Spoke with XXXX and she indicated that they needed to ensure the checks hadn't cleared - it would take 24 to 48 hours - she would follow up and let me know if things were moving forward - I never heard anything. 
XX/XX/XXXX - Spoke with XXXX and got the same stories ; asked to speak to a supervisor ( XXXX XXXX at extension XXXX ) and I was assured a call back once they had confirmed the checks had cleared ... I never heard back. 
XX/XX/XXXX - Spoke with XXXX and was given the same information that I received on XX/XX/XXXX - was told that while the request was initiated, it was submitted. I was assured that the checks would be reissued once the request was submitted ( XXXX said she submitted while we were on the phone ). 
XX/XX/XXXX - did not get the name of the individual I spoke with ( accent was too thick to understand ) - was told that the request was " in process '' XX/XX/XXXX - spoke with XXXX ( Employee ID  # XXXX ) - was told that they would reissue the checks once confirmed that they had not been cashed. 

I have called this organization 9 different times and keep getting the runaround.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (ID)

Idaho housing is staying my payment was late for XXXX when in fact it was made before XXXX MST on XX/XX/2019. I have copies of my transaction being completed prior to that and my payment date is listed as XX/XX/2019. There is no reason for them to be reporting this as late when it was not late for XXXX.
Consumer complaint received 2023-05-24
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Consumer complaint received 2022-01-04
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: National Credit Adjusters, LLC (TX)

XXXX XXXX, who sold a payday loan to XXXX XXXX, then National Credit Adjusters, then back to XXXX XXXX, and NCA again, is still showing an account balance and is reporting a debt for an account that is beyond seven years old.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NC)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
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 EQUIFAX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX PRG report to my credit a debt of XXXX from XXXX XXXX XXXX XXXX ( an apartment complex ). they're trying to collect the remaining month of a apartment lease agreement, that was paid in advance, deposit, and two month. the lease was broke, because they lied, charging the money before showing the apartment, and the showing a demo and renting after get paid a different one, all dirty, with broken appliances and holes in the sink. the lease was terminated by CAUSE ( as is legally permitted for fraud and misrepresentation ) with two month paid in advance. the law of texas all forbid a landowner to charge for the remaining month of a lease, they have to do the " best effort '' to rent the property and then and only then charge for the empty months. 

the lease contract violates the Texas Law as stated, therefore is automatically void, not valid. 

I don't acknowledge the debt, and surely i don't owe or have any relationship whatsoever with PRG. i placed a cease and decease record with them, i want the record removed from my credit score.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Good afternoon my name is XXXX XXXX XXXX since XXXX i have worked on my credit until the date, i have tried to get loans and go get more credit and i have been declined not because me info is wrong but because the company experian collected all the info of every person and have a error with my name i have tried to solve this with then but they keep asking for the same info that i have already sent then before my name XXXX XXXX XXXX date of birth is XX/XX/XXXX And live in XXXX XXXX XXXX XXXX XXXX i never used XXXX or XXXX or XXXX or XXXX only XXXX XXXX XXXX i only have 1 social security the info of every person are located by socail security and date of birth and name they already sent them my info and they dont Fix the problem i have taken credit loans XXXX, and XXXX before on only one credit card and other credit cards i have taken loans of XXXX and these dont show i will send you photo copys of the loans and credit cards that i have canceled and of credit cards that are active
Consumer complaint received 2022-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I scheduled incoming transfer of {$5000.00} into ally savings joint account ending in XXXX from XXXX checking account for XX/XX/2023. But when i wanted to check that - Ally has no clues about that.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2019 a balance transfer charge of {$2000.00} was charged to our credit card. This charge was not processed correctly and didn't go through. We have contacted the company numerous times to resolve this issue. We do have a legitimate charge on this account which we are currently paying. The company continues to pass the buck to other departments and no one will resolve this issue. Please help us with this problem. Thank you.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an 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 7 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 2019-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, has my last name completely spelled the wrong way ( XXXX instead of XXXX ) and also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Consumer complaint received 2016-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I graduated from the XXXX XXXX XXXX University XX/XX/XXXX, with a Navient student loan that has accrued in interest while I was both in school full-time and looking for a job one year after graduation. I currently owe about $ XXXX, with payments becoming inconceivable after taking into account my necessary living expenses ( e.g. rent, utilities, food, medical bills ). 

I 've recently contacted the company to explain my situation in hopes of cutting my interest rate from a staggering 11 % to a lower rate and more affordable payments. It took me three days worth of phone calls to finally reach a representative by the name XXXX, who explained that there was a 'special program ' which I could sign up for if I switched to Auto-Pay, and my interest rate would be reduced to 7 % with payments of {$350.00} ( this is quite a difference from their projected {$550.00} loan payments that they were expecting me to pay them ). When she explained lowering my interest rate, I felt temporarily relieved, but my doubts began to resurface when she decisively finished the phone call with a last statement : " I will continue to contact you to ensure this program takes effect after three payments have been made through your account, but I can not guarantee its approval based on your application. '' This is also the same representative who, after receiving an e-mail specifying that I would be able to look into postponing payments due to economic hardship ( e.g. previously stated medical bills ), explained she was n't " sure who sent that e-mail and why it was sent to you ''. I find it highly distrustful that their e-mails and representatives are showing myself and other possible Navient clientele misleading information. ( I still have the e-mail in my logs as proof -- this e-mail is also the reason why I persisted in contacting the company about postponing payments. ) As of XXXX XXXX, XXXX, I 'm expecting written documentation to be sent to me via mail detailing the specifications I reviewed with XXXX over the phone. I also have a phone log, confirmation number and a clean credit history to back myself up in case there are any disputes over this new agreement, or an amount higher than {$350.00} shows up in my bank account. As of XXXX XXXX, XXXX ( my payment due date ), I 've checked my bank account periodically throughout the day, but no payment has shown up as of XXXX. I would have called the company today to verify a payment would be processed, but the phone line is not available on Saturdays. Nonetheless, I 'm still keeping periodical records for both personal and legal accountability. 

Due to the amount of horror stories and illegal activity I 've read about, my qualms with cooperating with this company have not ceased. If a 'missed payment ' shows up on my record and affects my credit score, I will be taking all necessary measures in order to disprove their allegations.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I had been using XXXX XXXX insurance for my home and autos, for several years. My insurance renewal date has been XX/XX/XXXX, of each year. My total annual bill has been around {$2000.00} up until the summer of XXXX ; when XXXX XXXX  sent me a bill for over {$4000.00}. I called several XXXX agents and was able to get this XXXX XXXX error fixed and my XXXX bill was dropped back down to around {$2000.00}. In the summer of XXXX, I started getting notices, from XXXX XXXX, stating that my next bill would be around {$3700.00} to {$3900.00}. I called XXXX XXXX and complained about their price jump attempt and also complained about XXXX XXXX attempt to over value my Home, the Contents and Auto values in order to collect high payments from me, and I told them that their offer was unacceptable. I also called a XXXX XXXX Corporate number and explained the over charging problem and they offered to reduce my new bill about {$100.00}. I confirmed that they couldn't do any better. I then conducted a search of other Insurance companies and found that I could get coverage from XXXX Insurance for close to {$2000.00} and that coverage was roughly four times better than XXXX XXXX 's offer. I signed up with XXXX Insurance and have recently confirmed that XXXX has two signed and stamped letters confirming XXXX 's coverage to XXXX XXXX. These are dated XX/XX/XXXX. Since late XX/XX/XXXX through XX/XX/XXXX I have been receiving a continuous stream of email bills from XXXX XXXX ; that range from {$3700.00}. down to {$450.00}. plus. I have responded to each and every one of these ; but they never responded back with apologies for their harassments. On XX/XX/XXXX I received a collection notice for {$420.00} form a collection agency named CREDIT COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, Ma XXXX ). I called CCS that morning and spoke to a woman, who refused to listen to me. I explained that this was a scam by XXXX  XXXX and that CCS was an accomplice in this scam for sending me this collection notice without obtaining any data on this attempted collection, and that they and XXXX XXXX would be held responsible for all of the harassments and charged for time spent by me, to correct this scam. Today I also received an email from XXXX stating that had just been a negative change to my Credit Rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have contacted Transunion a plethora of times over the last 6 years regarding the inaccuracy of bankruptcy and other accounts listed on my account. They quickly deleted the accounts but will not delete the bankruptcy regardless of all the documentation i have provided. I have submitted court documentation and police report showing that my social security was fraudulently used in XXXX and XXXX. I recently disputed the bankruptcy and less than 24 hours it came back verified AGAIN. I have asked numerous times how they have verified the bankruptcy through a procedural request and get a generic response via a letter. I have contacted the courts and they have put in note in file that social security number attached is erroneous, so if Transunion actually went to the court house and did their due diligence they would have seen the note in the file along with police report i provided them!! Furthermore, I provided transunion a copy of my XXXX XXXX   report that doesn't show i have ever used the name XXXX XXXX OR ever filed bankruptcy. Yet, the continue to refuse to tell me how bankruptcy is verified as they have not stepped foot into a court house to look into the file and verify information i continue to report to them!