davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: J & B Endeavors, LLC (OH)

I was contacted by phone by a company by the name of Student Loan Movement. 
I spoke with a person by the name of XXXX XXXX. This service was to consolidate both of my student loans with XXXX and with XXXX. I provided him with my employment pay stubs and my banking information. The net two weeks after, XXXX contacted me letting me know that my student loan amount was due soon. I explained to them that I was paying my money to this company and it was going to be coming out of my bank. And XXXX or XXXX have never heard of this company before. Neither has the US Department of Education ever heard of them. When I called the company back in which I XXXX them and got the number. I never was connected with XXXX XXXX but I did speak to a lady name XXXX XXXX. And she told me that they deal with XXXX all the time. The email me an agreement in which I signed electronically and they already started to take the money out of my account starting Monday XX/XX/2019. I also, spoke to a XXXX XXXX at this company and he told me they are legimate but yet he ask me for my pay stubs a second time. I have a Client ID : XXXX. Please HELP!!!
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I have reached out to the department of Education and Navient to removed these items from my credit report last week and today XX/XX/2019. I even reached out to the credit report to get them removed XX/XX/2019. The issue is that my student loans are now with XXXX XXXX a collection ageny that I make monthly payments to.
Consumer complaint received 2019-07-22
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. (NM)

On XX/XX/19 I tried to set up a credit report freeze with Experian through their website. After providing personal information they had several security questions to answer and based on each question I answered them. When I submitted the answers it locked me out and I could not proceed to freeze my credit report. 
I attempted to call their phone number for Contact Us and after trying no less that 15 times each after entering automated options the call would end with a thank you and I could not speak with a real person in customer assistance. 
I tried every number listed just to try and speak with someone to unlock my access so that I could create an account to freeze and unfreeze my account as needed. 
They seem to make it EXTREMELY DIFFICULT to contact them which is unacceptable.

I even tried to set up a free account and it it only gave me an option for a paid account. 
This is unacceptable and your agency should be aware and investigate because I am sure that there are a lot of other consumers that are facing the same issue.
Consumer complaint received 2024-03-08
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. (NC)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
Consumer complaint received 2023-04-03
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. (TX)

on XX/XX/2023 sent off A investigation letter certified to Transunion tracking # XXXX to make sure all my accounts was properly investigated and that everything was 100 percent correct on my accounts The Credit bureau stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On XX/XX/22 I submitted complaint to CFPB, complaint ID : XXXX, and got the response from Citibank XXXX XXXX XXXX XXXX but Citibank is not a responsible Bank as a sending Bank. 
Citibank Transfered the fund through the corresponding Bank XXXX Bank XXXX ), and according to Citibank, the fund was received by the corresponding Bank XXXX Bank XXXX ) on XX/XX/22, due to the XXXX ( local clearing system ) code was invalid, the fund could not be credited to the final Beneficiary Bank XXXX Bank XXXX XXXX, XXXX XXXX XXXX ). 
I have emailed the XXXX code to Citi XXXX XXXX XXXX, email correspondence for almost 2 months, at the final end Citibank just asked me to inform the final Beneficiary to contact their Bank XXXX XXXX, XXXX XXXX XXXX ) to investigate Bank XXXX for the transfer fund. 
Citi XXXX Bank XXXX Bank XXXX ) will only accept the instructions from Citibank, the final Beneficiary Bank is not in a position to investigate the transfer fund. 

I hope people should be careful to do transaction with Citibank, I have lost the trust in Citibank.
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash curtis and associat. 
XX/XX/2017. 
{$350.00}. 

Rash Curtis and associates. 
XX/XX/2017. 
{$200.00}. 

This debt has been paid by the insurance company at XXXX XXXX XXXX. 
This is an invalid claim. 

I've contacted rash Curtis and Associates and asked them to physical email copies of these bills and they refused. They only offered to email copies of the bills. I will not divulge my email to a harassing credit agency like this. I want these removed from my credit report it immediately until we can go to court and get this harassment stopped once and for all.
Consumer complaint received 2019-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navient Removed me from the Income Driven Repayment Program ( " IDR '' ), Without notice or full disclosure as to why, While I am disable. Then reported that I was delinquent on repayment 120 days. I contacted Navient, they said It was reporting that way because I failed to renew or re-certify for the IDR program. I provided all the Emails and facts proven that I was never given notice or full disclosure as to any failed payments or that the IDR had expired nor that it was time to re-certify. 

I was placed on hold, then a representative named XXXX returned to my call admitting that she couldn't find anything explaining why the contact status was changed ; and that she didn't see where I had ever requested that my previous means of contact that I provided, be changed. Then she went on to inform me '' but it was changed from email and phone to contact by mail ( Letter in the Mail ) ; and I don't know how. '' I sent numerous written request as directed to the credit reporting division, at Navient, for the information on my credit report be corrected and that the false, incorrect and inaccurate misinformation be removed. Still over 1 year later the information is showing on my credit report making me financially indigent. Moreover, the loan is paid off.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, Chase Bank sent me a letter responding to my previous dispute of eight transactions totaling {$15000.00} in fraudulent charges on my credit accounts. The letter does not address any of the points I made in my complaint dated XX/XX/XXXX. Both letters are attached. 

The letter claims that on XX/XX/XXXX, I told an employee of Chase Bank that these charges " were valid but [ I ] wanted to dispute them. '' This is in no way accurate, as I have never indicated that these charges are or could possibly be valid ( as I mentioned in my original complaint to Chase ). 

The letter also states that signed receipts and sales slips from the merchant were made available to me by Chase in a letter dated XX/XX/XXXX, but in fact, this letter includes receipts for only two of the eight transactions that I am disputing. I was not able to access this letter until two months after it was posted, as all of the several Chase employees I had spoken to by phone indicated that I should expect to receive a response to my complaint via USPS, and none of them mentioned that I should look for a response on the companys website. In XX/XX/XXXX an employee finally informed me that this document was available online ; I reviewed the document, and on XX/XX/XXXX I provided additional documentation. In their letter dated XX/XX/XXXX, Chase Bank reports that they closed the disputes because I did not respond when they reached out for more information via the secure portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I previously stated, no one at Chase Bank had made me aware that there had been any response or any request for additional information until XX/XX/XXXX. 

Additionally, in their response to my previous CFPB complaint, Chase states, We attempted to reach you by phone on XX/XX/XXXX, at XXXX, to acknowledge receipt of your inquiry. The phone number was disconnected. This is completely false. Please see attached statements from my cell phone provider proving active and current service from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

Neither you nor the FTC make it possible to merely make an informative contact, so I have to use your complaint process. However, actually, it is a complaint ... about both CFPB and FTC. 

Data breaches are a routine fact of life. The news this morning about the Equifax settlement has motivated me to inquire about something that has baffled me for years. 

I am a victim of data theft. The major ones are Equifax and the OPM data breach. However, I also have been affected by a few other less spectacular failures of companies to secure their data. 

To be clear, I have not had any direct negative impacts ( though my PII obviously is out there to be misused ). I have availed myself of the credit monitoring services provided after each event, and I long have had my credit reports frozen/locked. Plus, my accounts all have 50 character, randomly-generated passwords, and I use multi-factor authentication on several. 

Now, to the crux of the issue, and my complaint. 

In all these failures of security and due care, the onus always is upon the consumer to react, with or without free credit monitoring. 

WHY IS THIS? Why must consumers always take the initial corrective action when it's the companies and credit reporting bureaus which need correct their shoddy standards and practices? 

There is no rational explanation for such a model of operation. And, the solution ( or at least a large part of the solution ) is so stone simple it defies logic that no action has been taken. 

To that end, why are not the credit reporting agencies required to lock/freeze ALL accounts as the DEFAULT mode of operation? 

The minor effort/inconvenience to temporarily unlock a credit report pales in comparison to the effort needed to respond to and recover from identity theft. 

Again, why are these agencies not required to secure their data in such a manner? Doing so would prevent illegal use after data breaches occur in careless companies, and significantly reduce the utility of stolen PII, not to mention lessening the expense, harm and aggravation for consumers-at-large. 

Therefore, what exactly must be done to make this change ( and make it immediately )?

Can CFPB and/or FTC order such an action? 

If not, why not? 

Alternatively, do we need Congressional action to implement such a logical process? If so, will CFPB and/or FTC initiate contacts to propose such legislation? 

If not, why not? 

Data breaches have become the digital equivalent of the " broken window '' syndrome. The actions of governmental agencies and commercial entities demonstrably are insufficient to dissuade such behavior from occurring and increasing. 

It's time to do something different and bolder and, at the risk of repetition, the default locking of all credit histories is a simple and easily implemented first step. 

Thank you.
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (IL)

I AM A VICTIM IDENTIFICATION THEFT. I HAVE FILED A FTC REPORT AS WELL AS WITH OTHER LAW ENFORCEMENT AGENCIES TO REMOVE THIS INFORMATION PURSUANT TO THE FCRA 1681- C2
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Danco Financial Services, LLC (NY)

Danco Financial still shows up on my credit report and has been the cause of denied credit due to it showing up as a repossession. This account should have been resolved in a previous bankruptcy started in XX/XX/2012, but it still shows up as account closed, not settled or satisfied. Also, my name shows on two reports as having a middle initial - I have never had or used a middle initial of any kind in my life. Additionally, I see an address in XXXX, NY where I never lived. This makes me think someone used my name with that address or received goods or services in my name with that address, I don't want to be or should not be responsible for that account/debt at all. I need help paying for medical bills, but have tried to increase my credit score and I'm hoping that removing these negative things will help to increase my score and or at least have me listed as the correct person on future reports.
Consumer complaint received 2022-12-02
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. (CT)

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 corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (OK)

This complaint is based upon the delay getting Forebearance agreements approved and according to a Lawyer, an Appraisal that was pumped up about $ XXXX above what the house is worth.The buyer bought the home for $ XXXX just 6 months prior to the sale and basically put Lipstick on a Pig. I put all of the improvements into it myself and it still is not worth its appraised value. The retained Lawyer has also stated that Guild Mortgage has violated several Federal Laws ( False Claims Act ) in which they were just fined for in XXXX of XXXX. 
The same time period that this loan was closed. 
There are also documents that were not filled out by the buyer. 

Due to an XXXX  that I have known as XXXX XXXX  ( contracted XXXX on XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX by the XXXX as XXXX XXXX condition unspecified ), I have not been able to work. This illness has prevented me from paying the ( 3 ) payments currently due now. 
Guild Mortgage has given me a deadline of XX/XX/XXXX to pay these ( 3 ) payments and if not met, they will proceed with Foreclosure. My end game at this point is to get these Forebearance forms, which I have submitted, approved as soon as possible. This will give me time to get approved for Disability and Medicare through the Federal Government. 
I also expect to have the Loan deficiencies corrected according to the law as soon as possible. 
The following documents are attached : Property Condition report Estimated cost to buyer Correction document Appraisal Acknowledgement
Consumer complaint received 2018-06-26
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. (IL)

I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These items are not mine and are having a negative effect on my credit file and I would like them removed.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NJ)

An individual accessed my online banking attempted to use XXXX, added a bill pay recipient, changed my address on file, and attempted to fraudulently deposit 2 checks each in the amount of {$1500.00} around XX/XX/XXXX. On XX/XX/XXXX, my account was frozen. I contacted Suntrust 's fraud department on XXXX stating the fraud and was informed it would be escalated with resolution in 2-3 days : the companys interests are held superior to their clients interests. 

A follow up on XX/XX/XXXX yielded no further information, but I am the victim of Identity Theft in the amount of {>= $1,000,000} to utilize for the policing of these wanton, reckless, and negligent organizations. 

Suntrust was already informed of their rights as concerned with the law : theft is preventing access to funds that are rightfully the property of said individual. The contracts written contain fine print and do not meet the definition of conscionable due to non-disclosure of said terms including their universal applicability : selective application is a criminal activity. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX al the following banks were found guilty of disability discrimination : XXXX XXXX XXXX XXXX The continued criminal theft and drug deals have been overlooked due to ample legal and monetary resources protecting illicit operations. Unfortunately, case law denotes, XXXX v. XXXX, their guilt regardless of their stance and comprehensive argumentation.
Consumer complaint received 2018-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.