davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (PA)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX. XXXX XX/XX/XXXX XXXX # XXXX XXXX. XXXX XX/XX/XXXX - # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WA)

Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.
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. (VA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-05-05
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. (FL)

I reach out to trans Union customer service about Unauthorized Inquiries on my credit report. I also reach out to the companies that was reported on my credit report. I verbal and sent letters out to trans Union about fraudulent activities on my report. I also have a fraud alert on my credit. Trans Union still refuse to remove the fraudulent inquiries.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sent me a letter informing me they had closed my account as of XX/XX/2019 due to inactivity. They gave me no forewarning, they did not contact me before hand, and as a result they hurt my credit score at a time I am making future plans for marriage, new vehicles, and home ownership. Electing not to swipe my card at the store should not validate the arbitrary closing of an account when I have held that account open for over 15 years as part of a comprehensive plan to maintain a stellar credit score. 

I attempted to call customer service twice, and asked to be escalated to a supervisor twice in order to have the closed account reversed. Both times they hung up on me before I was able to make my case and request that my account stay open.
Consumer complaint received 2024-03-11
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. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: DMB Financial, LLC (TX)

DMB Financial added XXXX additional payments to my contract, which was for 42 payments of {$350.00} to pay of settlements made with 4 creditors. My total debt before settlement was XXXX. DMB settled for a total of {$9800.00}. After paying the full 42 payments, never missing any payments, I sent a total of {$14000.00} to DMB Financial, making their " service fee '' {$4900.00}. Some of the accounts were not settled until well after a year of starting the program. I was advised not to answer any phone calls from creditors, to either " ignore '' or " block '' them. I was not in default of behind on payments when first starting he program. I had a tremendous unforeseen family emergency that required me to seek help for debt relief. I was asked not to make any more payments so it was " easier '' to settle and show a hardship. I was promised that my credit would eventually be better than when I first started the program. Being I wasn't behind any payments at that time, my credit was not bad at all to begin with. It is much worse now and I have not missed any payments on any other accounts such as mortgage or car payment. 
I would like for someone to explain to me why an additional {$700.00} is needed to finish paying off my last creditor? How much out of that {$700.00} is DMB 's fee? I was left under the impression that all 4 creditors were going to be paid each month, splitting up the {$350.00} into 5 parts, 4 portions for my creditors and XXXX portion for DMB 's fee. 
How many payments did I make in the beginning before settling the first account that DMB put into their own pocket before starting negotiations with my creditors? I paid DMB Financial more than any of the creditors that were settled with. How is that helping people with their debt relief?
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. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conduent Incorporated (MI)

XXXX employees keep telling me to call the other side and that your money is under XXXX XXXX but when i did i were denied. I have ask card service over and over to remove the wrong address that they keep sending me XXXX XXXX XXXX XXXX, XXXX XXXX and they have not. Now I am receiving texts to contact XXXX XXXX bank and card services fraud dept. email address XXXX and I did without an response. 

XXXX XXXXXXXX services please explain the text message ( AOD ) to contact you and what involvement I have with XXXX XXXX bank and what needs to be disclosed to me.
Consumer complaint received 2017-09-08
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. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Consumer complaint received 2023-06-16
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. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2022-05-05
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: LEXISNEXIS (IL)

on XX/XX/2022 I have sent a certified letter to Lexis Nexis pertaining an alleged bankruptcy that they are verifying on my credit report to the credit bureaus. They still haven't replied back its been over 30 days.I have sent this letter multiple times before in the pass with a copy of my id and proof of my address. The company replies back that they can't verify my identity After i have sent the all my proof of my identification. I strongly believe that they are trying to avoid me and my concern about the bankruptcy that they are verifying on my credit report to the credit bureaus. They haven't sent me any documentation of information that used to verify this alleged bankruptcy. If they can't send support verifying documents they have to removed this bankruptcy from my credit report but they won't The company is simply not responding back.
Consumer complaint received 2022-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/XXXX of XXXX, the US Department of Education announced a Limited Time Waiver that would allow previous times of employment in a Public Service job to qualify towards the XXXX required monthly payments on a Direct Loan, if those payments were made on a FFELP loan or a Direct Loan that was subsequently consolidated. Again, on XX/XX/XXXX the US Department of Education made this announcement for a waiver from previous strict rules regarding PSLF. Fedloan Servicing must be the *ONLY* people/organization that did NOT KNOW about this Limited Time Waiver. On XX/XX/XXXX I submitted two Employment Certification Forms/ Applications for PSLF that were signed by my former employers to certify the dates of my employment AFTER XX/XX/XXXX, of XXXX that would qualify for the Limited Time Waiver for PSLF. Again, I submitted two valid and correct PSLF Application/Employment Certification Forms on XX/XX/XXXX in accordance with the terms of the Limited Time Waiver. On XX/XX/XXXX -- - once Again XX/XX/XXXX of XXXX. I received a message from Fedloan Servicing that my PSLF Application/Employment Certification was rejected because my certified dates of Employment were before the disbursement of my Direct Loans. Again, that was the message sent to me on XX/XX/XXXX. The XXXX at Fedloan Servicing, who again must have been the ONLY PEOPLE in the USA to not know about the Limited Time Waiver rejected my two PSLF applications/Employment Certification forms when my forms conform with the literal intent of the US Department of Education goals for the waiver. I believe only high school drop outs are hired at Fedloans because of how XXXX the staff members seem to be or execute over and over and over again. Maybe the staff at Fedloans are not high school drop outs. Maybe Fedloans only hires crackheads from XXXX or XXXX that would also explain the poor servicing experiences Fedloan produces time after time after 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)

On XXXX XXXX, 2017 news was released that Equifax had a data breach. According to their website, my personal information may have been compromised. As a leading credit reporting agency, I am disappointed that they did not have the security precautions necessary to prevent this hack. I am also upset that executives of the company acted in poor conduct by selling stock days after they were told about the attack.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I sold a house and paid off my loan in XX/XX/XXXX. I did not receive my {$5300.00} escrow reimbursement disbursement check issued XX/XX/XXXX. I contacted Mr Cooper customer service many time to request reissue of the disbursement check. Mr Cooper acknowledges that they owe me money, and they also identified an additional escrow reimbursement check in the amount of {$230.00} from XX/XX/XXXX that was never cashed, but they will not process the request. 

Most recently... 
- XX/XX/XXXX via email to XXXX ( no response ) - XX/XX/XXXX via phone. Rep told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 

I have customer services rep names, manager names and detailed notes for each of the above contacts. The customer service reps are very pleasant, and acknowledge that they owe me the above amounts, but there is absolutely no follow up after conversations. Radio silence.
Consumer complaint received 2015-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC (CA)

I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (NC)

I have hard inquiries on all three reporting agency 's about I applied for credit at XXXX and at XXXX XXXX ( XXXX XXXX  ). I disputed these inquiries with Equifax and they came back as confirmed and to be correct. I called them about the accounts and they told me if they were wrong I need to call these two places to have them send to the 3 reporting agencies the hard inquiries were not mine. I got the contact information from Equifax and called I spoke with XXXX first from XXXX at XXXX and she said she saw nothing but she transferred me to XXXX an accounts specialist and he also saw nothing using my social had ever been applied for. I was told by him since I did not have an account with a social they had nothing to report back to this agencies. Second I call XXXX XXXX which is a XXXX XXXX account first spoke with XXXX and he saw no account had ever been applied from there using my social number, he sent me to the applications department and I spoke with XXXX and she told me the same. They also said without an account with my social they could not send anything the the reporting agencies. 
To me they are inaccurately reporting information that there is no way they verified to be correct which is causing and adverse action on my reports. I am trying to correct all my reports so I cal buy a house. How can I get this fixed?.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XXXX, XXXX, Experian, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (AL)

Global Lending Services is advertising on their website that customers can make a due date change to their lease at anytime, but when you call in and make the change their stating that you have to do it two weeks prior to your due date coming up and have to pay the amount. It is frustrating because they are providing different information then whats on their website. They didnt provide me with a full contract of what my lease states and There isnt even a way to see your contract on the website. 

No one should have to go through this. Hey provide accurate information on your site so that we dont look or feel XXXX when we call in. 

Then the XXXX XXXX laughed on the phone as if it was funny to be advertising something that isnt accurate.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.