davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I gained XXXX XXXX employment in XX/XX/XXXX. At that time my student loans were with Sallie Mae which eventually became Navient, the student loan service provider for both my government and private student loans. From XX/XX/XXXX-XX/XX/XXXX the foreign customer service representatives ( Navient Customer Service Reps ) gave the impression that I did not have to change anything and that my student loan will be forgiven in XX/XX/XXXX ( i began paying it back in XX/XX/XXXX ). XX/XX/XXXX was the year that I called the foreign customer service line and, again, i was led to believe and told not to worry that my student loan will be forgiven in XX/XX/XXXX. The Navient customer service rep. on the phone led me to believe me and my student loan qualified for forgiveness in XX/XX/XXXX. XX/XX/XXXX arrived and I found out I qualified for forgiveness, but my student loan did not. It made me contemplate XXXX. It was devastating. When I discovered that I qualified but my loans did not, I then began requesting to speak to US representatives. From XX/XX/XXXX-XX/XX/XXXX, I tried to get my student loans to qualify and still do not know the outcome. Basically, I had to start over from XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX through who knows how long. Today, in XX/XX/XXXX, I requested all call transcripts to Navient Customer Service via their website. My loans are finally coded to qualify or, so I think as direct loans but still unclear if the past 10 yrs. of public service will count toward my loan forgiveness. Thus far, those years don't seem to count toward public student loan forgiveness.
Consumer complaint received 2019-01-22
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: Experian Information Solutions Inc. (IL)

I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with XXXX XXXX with XXXX XXXX for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
Consumer complaint received 2022-08-27
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: LEXISNEXIS (NY)

On XX/XX/2022, I requested my lexis nexis report online and I called for confirmation and I still have not received it. I am demanding it immediately. My address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

on XX/XX/2018 i sent a letter to capital one requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
Consumer complaint received 2019-01-22
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. (PA)

In XX/XX/XXXX i filed a dispute with the credit bureaus about a Bankrupcty Acct # XXXX and a XXXX XXXX credit card Acct # XXXX opened XX/XX/XXXX that do not belong to me. All three bureaus removed the account but when i checked my most recent report it shows those two accounts back on my credit file.
Consumer complaint received 2019-07-12
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. (NY)

The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX  Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX  Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX XXXX Inquiry from XXXX XXXX, XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX 14  XXXX Inquiry from XX/XX/XXXX 15 XXXX Inquiry from XX/XX/XXXX 16 XXXX Inquiry from XX/XX/XXXX 17 XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXX XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22 XXXX Inquiry from XX/XX/XXXX 23 XXXX XXXX Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry fromXX/XX/XXXX XX/XX/XXXX 27 XXXX Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

XXXX XXXX XXXX XXXX was born at XXXX hospital XXXX. XXXX XXXX XXXX  submitted a balance owed to my collection report with no prior indication of a balance owed. XX/XX/ through ic systems. Debt was from improper insurance billing. XXXX supervisor XXXX stated on phone conversation that a wrong insurance was billed and debt should not be owed. Please remove from my collection report immediately
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Called Navient on XX/XX/XXXX for two ( 2 ) closed student loan account that were consolidated and accounts should not be on my credit report because the credit bureau ( XXXX ) said that the accounts does not have verified date of the first late for them to remove the account. The account shows XX/XX/XXXX current and XX/XX/XXXX 90 days late instead of 30. The lady I spoke with on XXXX said that my actual first late was in XX/XX/XXXX which is not showing on my credit report and account is over seven years from the first late on both account and should not be on my credit report. The lady said that I should receive a letter showing my first late on the accounts in 7 to 10 business days because the can not email it. I never received any mail so I call XX/XX/XXXX spoke with a guy on the phone and explained my situation he said give him a moment and left me on the phone for 45min hold and  never came back on the phone.
Consumer complaint received 2019-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (TN)

In the last week, I have received 3 overdrafts from Paypal. They do not have permission to access my bank account as I have a credit card on file for charges. I went to the bank and find out they have been doing this since XX/XX/2018. I called them three days ago and asked about the overdrafts and they assured me it was not them. Over the weekend I received 2 more overdrafts. Went to the bank and in their presence called Paypal. They said I had signed 10 companies to have access to my bank account. I NEVER did. Now I have {$90.00} in overdraft fees and I insist they pay these fees as they never had  permission to enter my bank account. Not even including the fact that they lied to me about them being the culprit using my bank for the past 2 months.
Consumer complaint received 2019-01-22
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: EQUIFAX, INC. (CA)

Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!
Consumer complaint received 2021-01-27
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. (FL)

In your response to complaint XXXX. You are still as usual sophisticated. And do not answer questions. I filed a complaint on XX/XX/20. To this day I have not received the answer. You're just ashamed to admit your mistake. And do not want your answer published. But I will make sure to publish it as soon as I receive it. Please respect the dispute immediately. And without any stories and legends. To the public. XXXX XXXX
Consumer complaint received 2023-08-06
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. (AL)

I have 22 unauthorized inquiries on my equifax credit report I filed a ftc report I mailed letters to equifax Ive called equifax so now Im making a complaint I have my rights as a consumer my ftc report has a list of all hard inquiries By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ),
Consumer complaint received 2019-01-22
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)

I have been trying to reach a live person to speak to at experian credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my experian credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX  has deleted the account I do not understand why experian and XXXX are still reporting this. I contacted XXXX  and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to experian and XXXX as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX  has corrected it but experian just keeps updating the same information. The last one is XXXX XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because experian doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.
Consumer complaint received 2022-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I HAVE BEEN MAKING REGULAR MORTGAGE PAYMENTS SINCE THE END OF MY FORBEARANCE, ALMOST A YEAR. YOU DENIED THREE OF MY PAYMENTS IN XXXX, XXXX, AND XXXX, THEN YOU COME BACK AND ASK ME IF I AM HAVING A PROBLEM MAKING MONTHLY MORTGAGE PAYMENTS. CAUSE YOU WILL NOT GO THRU THE PROCESS WITH THE VA. I THINK THAT IS A CASE OF DOUBLE JEOPARDY. I AM ALREADY INTO DELINQUENT STATUS FOR {$29000.00}. THEN YOU TAKE THE RIGHT FROM ME TO CONTINUE MY PAYMENTS CAUSE YOU WANT TO FORCE ME TO PAY {$29000.00}. PUTTING ME FURTHER IN HARDSHIP. IF YOU WILL JUST DO THE PAPERWORK TO HAVE THOSE PAYMENTS GO INTO A LIEN, BUT YOU WANT TO PROFIT FROM MY HARDSHIP FOR 30 YEARS, BY COMPOUNDING IT TO MY PRINCIPAL. I NEED TO TAKE A LOSS, NOT YOU TO MAKE A PROFIT,
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

I was approved of a Citi XXXX credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. 
The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. 
On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. 
I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. 
This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.
Consumer complaint received 2023-08-06
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. (MA)

I am writing to submit a formal complaint against Equifax in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account with XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately.
Consumer complaint received 2020-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Februrary 2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX  - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd ()

I had opted for a business account for my XXXX XXXX in the XXXX - my company provides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need a multicurrency account to make transactions easy and secure for my clients- Wise promises just this! 

However, they simply deactivated my account without any valid reason. They refuse to tell me the reason and it is very difficult to contact them and have logical exchanges - even if there is nothing wrong, they are reluctant to change their decision. Due to such behaviour, my transactions were interrupted, and I am having issues with my business. They are not delivering what they have promised to the business clients.
Consumer complaint received 2019-07-12
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. (GA)

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.