davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}
Consumer complaint received 2020-01-23
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. (MA)

My Loan servicer Navient failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.
Consumer complaint received 2018-02-07
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 — Problem with personal statement of dispute
Company: EOS Holdings, Inc. (CO)

The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX. 

Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX 

Ive attempted to call them but theyre either closed or never answer their phones.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Has not removed the inaccurate item account on my report. Its been over 30 days this a violation of XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX 1st. This is an invasion of privacy 15 U.S Code 1692 ( a ) 2nd. You are in violation of 15 U.S. Code 1681e ( b ) - This account is not accurate.

I have previously disputed this I do not agree with the results.

this items needs to be removed asap
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Suburban Credit Corporation (PA)

Company began calling me in XX/XX/2018. Ive requested a copy of the debt as I have zero record of an unpaid bill. The company has refused to send me something in the mail but continues to report it to the credit agencies. 

When I ask why they refuse to send me something in the mail the responses have been " We did. '' - refuse to admit they never mailed me anything. Even when I explain this is the only piece of mail I seem to never receive and have reconfirmed my address multiple times. 
" Why don't you learn how to pay your XXXX bills '' - By a female employee in XX/XX/2018. When I asked to speak to a manager at that point he told me I lied and she didn't say it. When I asked the manager why I still am not receiving a copy of my bills he once again said they have sent them but again, as of XX/XX/2018 I have never once received anything in writing from them as requested so I can dispute this charge with the original party as this was a health care bill that should have been covered by my insurance carrier and I've explained that I need more details before I can even attempt to resolve this and get the debt taken away from my name. 
XX/XX/2018 - called in again. Still refusing to send me something in writing but have not stopped calling me names or telling me to learn how to pay my bills. 

This is harassment and I want it to stop. I pay my bills on time and have over a XXXX credit score. I am trying to resolve this with the original lender and this company is purposely preventing me from doing so. 

Debt Collector Details : Suburban Credit Corporation XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.
Consumer complaint received 2023-04-06
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. (MD)

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 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Advisory Group, Inc (CA)

They called me claiming to they would sign me up as for a student loan forgiveness plan. They had my loan information and I mistakenly assumed they were working with the company I took my loans out with. They signed me up for a plan that starts XX/XX/XXXX where I will pay {$190.00} for 6 months and then {$39.00} a month until my loans are paid off completely. They also said by signing up I would not have to pay any interest on my loans. Today ( XX/XX/XXXX ) I tried calling the woman XXXX XXXX directly and it went voicemail after a few rings. Then it went straight to an automated message. I called the company itself and someone answered me, I asked if they were the National Advisory and she hung up on me. I tried calling again and it didn't even allow me to speak to a real person. I looked up the company online and apparently they have been scamming people. They did the same thing to other people, hanging up on them right away and refusing to respond to their messages. I emailed to say I want to cancel my loan repayment plan with them.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Summary of the issue : XXXX insurance company wrongfully attached my drivers license / identity to someone elses policy, with an identical last name. Lexis Nexis has been slow to correct this issue, and in the past, failed to notify me via mail correspondence, acceptance or denial of my CLUE revision request. 

Background context : Another XXXX policy holder, has a daughter with both an identical first name, last name, and date of birth as me. This daughter, insured under her mothers policy with XXXX, got into an accident, and my drivers license was wrongfully attached to their claim in place of what should have been her daughters drivers license. 

It is unclear how my license ended up attached to a strangers accident claim, other than the fact that her daughter, and myself, have an identical name, and date of birth. 

After months of seeking resolution and dozens ( no exaggeration, this is all on record ) of phone calls to XXXX, their claims and underwriting department have finally submitted correction of this major mistake to Lexis Nexis in XXXX. 

However, I have not yet received any information or updates from Lexis Nexis confirming the completion of removing the accident from my CLUE report. 

I now live in XXXX, TX and financed a vehicle in XXXX of XXXX. When shopping for insurance at the end of XX/XX/XXXX prior to purchasing the vehicle, I decided to look at XXXX, XXXX, and other major insurance providers. 

Upon completing my auto quote on XXXX, it was displaying that I had two accidents on my driving record. 

I realized for the first time there is an accident associating with my driving record, that was not my accident. 

XXXX stated their system pulls from a third party, Lexis Nexis. 

I then called Lexis Nexis to inquire details about this accident that was wrongfully associated with my identity. 

I then proceeded to request Lexis Nexis to remove this accident from my CLUE report, stating all necessary facts. I was not involved in that accident, and it was wrongfully reported utilizing my identity. 

I was told by Lexis Nexis that the claim was reported through XXXX. 

Additionally to note after this request was made in XX/XX/XXXX, Lexis Nexis never sent any written correspondence as they were supposed to, confirming or denying my CLUE report removal request. 

After dozens of phone calls to get through to the correct department, I found out from XXXX that nothing would change from my CLUE report, until their underwriting department submitted a correction to Lexis Nexis. It took dozens of phone calls to different customer service representatives, and multiple managers and supervisors, to have proper action taken to correct this issue.
Consumer complaint received 2021-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX, I was married my Husband and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. XXXX XXXX Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court Divorce in XXXX. My Bank account with Bank of America Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.XXXX XXXX sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. XXXX XXXX called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The XXXX XXXX Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By XXXX XXXX that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked XXXX XXXX why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also XXXX XXXX XXXX is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. XXXX XXXX is a Scam Business. Just like that Bank Of America Bank.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (CT)

In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX
Consumer complaint received 2023-04-06
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

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 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I deposited a check for XXXX on XX/XX/2021, at the XXXX XXXX XXXX XXXX, sc XXXX. On XX/XX/2021, the check was returned unpaid. The bank said it was fraudulent check, they cleared the check so I thought it was a good check. It came to me in a priority mail. I have a message saying it was a covid relief check grant. Know the bank is saying I'm responible for the deposit and they was going to cancel my account if i do not pay this in 60 days. They deposited the check into the wrong account. That account belong to my daughter. Her account has been connected to my since she was in college.
Consumer complaint received 2020-06-04
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. (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to XXXX, Equifax and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX  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 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc (MI)

Contacted the original debtor which is XXXX XXXX and they stated I rented a house from them and that is not true. They said it was the month of XX/XX/2021 and the amount owed was XXXX. Again is not ture I have never lived outside of Michigan and at the time of this they didn't have my correct last name
Consumer complaint received 2023-04-06
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. (MI)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX  XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
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. (NC)

I recently sent disputes letters to XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-01-29
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. (TN)

XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc. (AZ)

On XX/XX/XXXX I called the customer service dept at XXXX 's XXXX XXXX and requested a refund check of an overpayment made on my 2 accounts. They agreed there was an overpayment and they will expedite the refund process and it should be processed within 10-14 days. Today, 60 days post request, I do not have a refund check. The following actions were taken. 
Called- XX/XX/XXXX and was told the refund check has not been processed and I will have to wait again 10-14 days. 
Called -XX/XX/XXXX spoke with a supervisor who explained it was the holidays and it would take longer then usual but to call back again in 7-10 days. 
Called- XX/XX/XXXX and spoke to another supervisor who said the refund check was processed on XX/XX/XXXX and to expect the check in 7-10 days. 
Called- spoke to a supervisor XXXX on XX/XX/XXXX and who stated it was still in process and has not been mailed to my home. Each time I have asked for another number, department or higher management which was always denied by the supervisor of customer service. 
Called- XX/XX/XXXX supervisor ( XXXX ) had told me that the check was mailed on XX/XX/XXXX and I should see the check within 7-10 days. 
Called- XX/XX/XXXX and told them I have not received a refund check and to ensure it was mailed on XX/XX/XXXX. It was confirmed it was mailed on XX/XX/XXXX. 
Called- XX/XX/XXXX and again spoke with supervisor and told them I have not received a check. The supervisor XXXX said she would escalate it again and for me to wait 72 hours before I call again. 
Called- XX/XX/XXXX and spoke with XXXX who stated there was a problem and that the check was NEVER processed nor was it NEVER mailed to my home. The previous notes were untrue and she was going to escalate it again to Maintenance Dept for solution. 
At this time I submitted a XXXX XXXX XXXX complaint. Also, I went on to social media to find someone in higher management. I demanded a call back within 24 hours from the manager XXXX in the Maintenance Dept with a solution. The supervisor XXXX replied with " there was not a guarantee of timely response and I should call the customer service number myself. '' Today XX/XX/XXXX, still waiting for a response and solution.