davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (DC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, 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. (GA)

Equifax customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below : XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (IN)

Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (VA)

I recently noticed a fraudulent account that was removed has been reinserted and is being furnished on my credit report. 
The account is being furnished by " XXXX XXXX '' Opened XX/XX/2017 {$190.00} balance Equifax is in violation of 15 USC 1681c ( a ) ( 6 ) ( a ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : " ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. '' Equifax is also civilly liable for willful noncompliance and negligent noncompliance. 15 USC 1681n and 1681o.
Consumer complaint received 2020-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I spent 3 1/2 hours on the phone with Navient last night. I called because I received two email notifications that my request for in-school deferment had been processed. I was supposed to have correspondence in my Navient inbox, but nothing was there. I could see that one of my three private loans was in deferment, but only for 2 months ; the others were not showing a deferment applied. The first customer service representative I spoke with ( XXXX ) kept telling me that those emails came from my federal Navient loans, even though I continued to tell him that I ONLY have private loans with Navient. Once he decided he was done speaking with me he transferred me to the federal loans department. I called back again and spoke with another agent ( XXXX ) who told me that there is a maximum of 48 months that can be used for an in-school deferment. I have had my private loans with Navient ( Sallie Mae ) for over 13 years and have NEVER been told that there is a limit to in-school deferments. After going around and around with her about ONLY having private student loans, because apparently that's how they shirk responsibility for private loans, I asked to speak to a manager. After another lengthy hold, the manager reiterated that there is a limit, and she apologized if no one told me that, but there's nothing she can do about it. Again, she tried to tell me that maybe I was referring to my federal loans. I explained, again, that I have no federal loans with Navient. I asked her where I could see the number of in-school deferment months I had used on Navient 's website, and where I would see how many months are allowed for those requests. She could not tell me. I also discovered that customer service agents with Navient have not been notating my account when I call. The last time she saw that I'd called in was XXXX of last year, which is incorrect. I've spoken with them serveral times over the last 6 months, preparing for the deferment and making sure I knew what I was getting into.
Consumer complaint received 2020-02-19
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. (PA)

I am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?
Consumer complaint received 2020-02-19
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)

I am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

XX/XX/2020 I made a {$560.00} deposit into an ATM. My deposit was taken without receipt of being received. Despite the fact that I was extremely overwhelmed that my bill money was now gone without a trace.The bank manager ( XXXX ) was very rude and refused to give me her last name or provisional credit before 10 days as another branch informed me could be done. I have been a member of this bank for over 10 years and in good standing. Through no fault of my own I am unable to pay my bills which have accumulated late fees on top of what I already owe.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXXXXXX The company submitted several certified letters to XXXX, XXXX and Experion to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I continue to 2nd time as of XX/XX/2021 sent verification of this alleged debt but this company continue to reply that I need to send verification to them to update whatever they assumed I owe. XXXX is allowing these companies to furnish false, theft and misleading information hurting the consumer. 

XXXX they sent a response saying verify some information so we can match our records. this sound like fraud to me. if the account and information is not aligning with the government and state laws then removal should be timely forced.
Consumer complaint received 2021-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (TN)

Sallie Mae has been constantly calling and emailing regarding my student loans that are supposed to be in deferment until XX/XX/2022. They have also been charging me interest the entire time they were supposed to not be during the deferment. I've tried calling with no answer just a message services and emailing with no response. And today the website is down so I can not even look at the loans.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OH)

XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. My account ( Account # XXXX ) was reported 30 days late in XX/XX/XXXX however, I had credit protection and I had made a claim as i was not working. When I called customer service I was told that my report would be updated but it was never updated to remove the late status. I then requested the account be removed as I have no balance and therefore there is no need to remain on my report. On XX/XX/XXXX I again made the same request and as of today I have not gotten a response nor a removal.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Consumer complaint received 2020-02-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.
Consumer complaint received 2020-02-19
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. (FL)

XXXX XXXX account numbers XXXX and XXXX both reporting inaccurate balances and is showing multiple charge offs and doesnt show date closed please delete for multiple inaccuracies.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I am filing a complaint regarding a lack of proof of service, lack of due process, lack of publication with regards to a foreclosure which took place on XX/XX/XXXX without my knowledge. This company, Select Portfolio Servicing , Inc. appears to have executed a foreclosure in violation of XXXX  Civil Code 2924b. Although I currently reside in XXXX, I am a co-owner of a property located in XXXX. I did not receive any notice nor did I see any publication about the sale ; and thus I did not have any opportunity to defend my interest in my property. I can not even find a newspaper publication which announces about the sale nor did I see any proof of publication. I was told that my former partner, who is the co-owner of the property, is in Bankruptcy, and tendered payment in full to Select Portfolio Servicing , Inc. Further, according to an auction company of public record, XXXX, they confirmed that the auction of the property did NOT take place on XX/XX/XXXX. Despite these, when I check a public record, Select Portfolio Servicing , Inc. DID record a Trustee 's Deed Upon Sale on XX/XX/XXXX, indicating that an auction took place on XX/XX/XXXX and it was sold to the foreclosing beneficiary, being the highest bidder at such sale, became the purchaser of said property and paid therefore to said trustee the amount being {$700000.00} in lawful money of the United States , at the auction sale which did NOT take place on that day according to the auctioneer of record.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (MO)

My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

I have tried several times to place a security freeze on my credit reporting from Experian Information Solutions, Inc. I have tried to use their website to add a freeze and called their 800 number. Neither work. It seems that they are trying to force consumers to purchase services in order to freeze their credit, by putting a web user into a look where they must click deeper and deeper into their site only to be routed again and again back to their starting screen and to locations where consumers can purchase their services. 

By the way, the other two agencies ( XXXX and XXXX ) both have very easy tools on their websites that allow consumers to place a freeze on their credit reporting!