davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MS)

Navient has called my entire family and friends letting them know I had student loan debt. They have called my mom at work and even faxed proof of employment to her office ( where I do not work ). They harass my family daily even after they were told to stop. I have set up a payment plan with them and they still continue to harass everyone.
Consumer complaint received 2019-02-06
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. (NY)

As of XXXX of XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX  XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file
Consumer complaint received 2022-08-29
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. (IN)

The Credit bureaus Experian, XXXX, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX  IN XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2019-02-06
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. (NY)

As of XX/XX/XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I am the successor of interest in my late father 's refinance w/Wells Fargo 's  Home Mtg. I reinstated the amount due : {$18000.00} wired to WF on XX/XX/2019. I asked over & over exactly how much was needed to reinstate the loan which was the above amt. After that date, I received letters from WF asking for another {$1900.00}. I keep asking what is the amt for? WF is vague & replys, " attorney fees ''. I want the exact breakdown of the fees because their Attys. XXXX, XXXX, XXXX, XXXX were pd over {$3000.00} included in the {$18000.00}. I called XXXX 3x 's, left messages, emailed them & they will not respond. The extra amount of {$1900.00} is supposedly for their attys & that fee has a date of XX/XX/2019. I pd WF on XX/XX/2019. I want the actual breakdown of all of the fees involved in hard copy & mailed to me. So far only delays from WF & still nothing from their attys. Also, the refi is a fixed refi of 6.37 % & the monthly payment is {$510.00}. I keep asking WF why the monthly interest is so ridiculous. The payment is due on the XXXX of each mo. & it doesn't matter if I pay the amt 2 wks before, WF will take only {$70.00} towards the principle. This makes no sense? Please, contact WF & their attys. The atty 's number is on an attached PDF. WF 's contact person is XXXX XXXX Sr. VP. Tel. # XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Thank you.
Consumer complaint received 2019-11-16
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)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (GA)

STarted on XX/XX/2020 until today XX/XX/2020, calls will begin before XXXX XXXX  and even received many calls at XXXX XXXX!!! I have made payment arrangements with Comenity Bank and asked NOT to call as my payment arrangements have been accepted. They call 10-20 times EVERY DAY
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: Experian Information Solutions Inc. (AL)

A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified Experian and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by Experian stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.
Consumer complaint received 2020-02-06
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. (FL)

I recently checked my credit on XXXX XXXX and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX  and other from XXXX neither of which I have ever done business with.
Consumer complaint received 2020-02-06
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 recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business with.
Consumer complaint received 2020-02-06
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 (TX)

This inquiry is in response to the Public Service Loan Forgiveness Program. I will have worked full time as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 10 years this XXXX. Several of us have applied for PSLF. We all get different reasons as to why we don't qualify for repayment at this time - more specifically why our previous payments don't count. If we were paying off Direct Loans every month for 5 years prior to consolidating, why doesn't this time count? What is the reason for not counting years of payment? We have made payments on our Direct Loans every month for 5 years and we are not hearing a logical reason why these don't count except that " they don't qualify ''. We're disheartened that this program exists but is so restrictive that it doesn't really live up to the spirit of why the government initiated this program -- what we hear is " If you have made 120 payments towards a Direct Loan or  otherwise qualifying loan and you have worked for federal service for at least 10 years, your loan will be forgiven ''. Why all the fine print that disqualifies most applicants who meet the previous statement? We would like to escalate these issues in order to allow those who have worked for 10 years for Federal Service and made dedicated payments on Direct Loans to receive the intended benefits of this program. It's noted that as of XX/XX/2019, only 864 applicants have ever received the benefits of this program and judging by the amount of applications that flow through our office way more employees have applied and met the 120 payment/ 10 year requirement. What are our options to escalate this? Thanks so much for your time.
Consumer complaint received 2020-02-06
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. (FL)

I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business with.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (ID)

Mailed a money order to pay off my Chase credit card bill. It was for {$1000.00} but they only credited my account for {$100.00}. When I explained to them that they mistakenly put in the wrong amount, they told me the money order was only for {$100.00} and sent me a copy of the money order. They had covered all the original typed numbers and wording of the money order and hand wrote the amount of {$100.00} above the original writing. Luckily, I had taken a picture of the money order before mailing it in. I have sent this copy to Chase Bank, but they have only " temporarily '' given me credit for the amount.
Consumer complaint received 2020-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

my.equifax.com online dispute center is reporting error : " System temporarily Unavailable We are sorry, our online system is unavailable at the moment. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX until XXXX XXXX  EST, seven days a week so that we can help. '' Upon contacting their customer service I was unable to get any information or help with this issue. 

The site has been down since I attempted to submit a dispute 3 days ago and again 2 days ago. 

This dispute center appears to have been down for several days and I have no mechanism to dispute the numerous inaccuracies on my equifax report ( I do not have this issue with XXXX who has since corrected many of these issues )
Consumer complaint received 2020-02-06
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. (FL)

I have let the know both XXXX and Equifax know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

We have reached out to sallie Mae to lower and remove the co-signer name from the loan account. The payment requirements states the account payment can be up to 12 months or paid for 12 months. This company continues to report inaccurate information as well as refusing to take the co name off when the burrowed has provided paystubs showing hes able to pay the account. This organization failed to work with me and has destroyed my credit in the process while me trying to get my education to advance betterment for my life. This is emotionally and financially stressful for me. I am seeking intervention in this matter. I need removal of the co-signers and reasonable payment plan.
Consumer complaint received 2020-02-06
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 have let the know both TransUnion and XXXX know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (TN)

I borrowed {$500.00} line of credit from check into cash ' company .I was told that my loan amount was {$500.00} and my payments would be around {$140.00} a month .I WAS NOT told that that it would be 29 payments, that was never spoke about.i paid my payments on time and have paid over {$1000.00} on it. 
On Friday XXXX XXXX I had didn't pay my payment because I have already paid so much on it and they drafted money from my bank account where my SSI XXXX wages are deposited without a court order, I ask them to return it because it was my grocery money for the month and she refused, she had a lady call me from another branch and I told her also that I was never told that I would have to pay back over {$3000.00} on {$500.00} or I would have never borrowed it, I stated that noone never told me it would be 24 payments and she said it's 29 payments Drafted from.my.ssi wages without a court order
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

This was three wage garnishment on XX/XX/XXXX, the final garnishment payment was sent out via my HR department which should if over paid the garnshiment. 

Between XX/XX/XXXX and XXXX the remaining balance was about XXXX dollars. 

E-Mail from HR to Midland : Hi XXXX, I am attaching the latest letter from Midland Credit per your request. On XX/XX/20 at XXXX XXXX  I spoke to XXXX from Midland and she stated your balance was {$33.00} and I informed her that we had your payments being generated from XXXX  automatically. The payment was for {$210.00} and the employee would have to be credited the difference of {$180.00} and she stated not a problem, they would be responsible for the overage being sent to you. 



Thank you and so happy that this is over for you and your family. 

Have a blessed weekend. 

XX/XX/XXXX the balance doubled to XXXX. And change then XXXX. 

HR stopped garnshiment after over payment,. HR notified me on XX/XX/XXXX that they received a continuance and my payment yesterday doesn't show up and neither does the garnshiment from XX/XX/XXXX which it hasn't show up at all in this two weeks. 

I spoke with a XXXX at around XXXX XXXX  AZ time after I submitted the payment of XXXX dollars. She stated that over payment will be refunded. And she submitted the paperwork to go to legal team to stop the garnshiment. 

This is getting ridiculous two times already balance should if been brought to XXXX and they keep tacking on fees and payments I have Ave had submitted no longer show up. 

This morning I log in and balance is over XXXX dollars
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have an account with Webster bank. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. XXXX, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, XXXX  has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, XXXX  also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.
Consumer complaint received 2020-02-06
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: AMERICAN EXPRESS COMPANY (FL)

I had three AMEX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports
Consumer complaint received 2020-02-06
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: DISCOVER BANK (FL)

I had three XXXX  accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with Discover Card removal from all of my credit reports
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (FL)

I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports
Consumer complaint received 2022-05-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.