davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
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. (WI)

While reviewing my Equifax credit report on Sunday, XX/XX/XXXX I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : Equifax XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX   balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX Opened XXXX XXXX Reported Closed Condition XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX | XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX XXXX Opened XXXX Reported Unknown Condition These 2 collection companies which are the same company has violated my rights by posting verified results as they say which are not true after their investigation. Copies of docs. they have in possesion and will not acceptor verify. Copies attached. I would like all information removed immediately or I will take legal action. The State of Illinois has only a 30 day notice to be given to management. Notice was given XX/XX/2021 to Manager in letter form. Additional charges were added errouousily.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.
Consumer complaint received 2024-05-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BROKER SOLUTIONS, INC. (TX)

On XXXXXX/XX/year> I submitted an inquiry for the XXXX XXXX XXXX XXXX program ( XXXX ). The following week they connected me with a preferred lender, New American Funding XXXX XXXX XXXX. XXXX ran a hard inquiry on my credit, and the loan officer XXXX called me with the good news that I was approved for a mortgage, and asked if I was ready to begin working with one of their preferred lenders. I asked about the grant, which was what brought me to XXXX in the first place. Instead, the reply was oh, you need a second loan for down payment assistance? No, Id like information about the availability of the grant. And Id also like to see the terms of the loan- the type of standardized form Im accustomed to seeing for any loan. I was told that wasnt normally made available to me, but would be sent to the realtor. When I pressed and told XXXX I wasnt comfortable moving forward with realtors seeing terms that I havent seen ( that affects me the most! ), he begrudgingly agreed to send me the details of the loan. What I received instead was a typed arbitrary summary of the terms. When I called back and asked for a loan summary, I was told XXXX didnt offer that. When I again stated I wasnt comfortable moving forward without seeing details in a standardized format, he hung up on our call. 

My call and message to XXXX XXXX XXXX on XX/XX/scrub>XXXX still have not been answered as of end of business day on XXXX. 

From my experience, it appears that this XXXX XXXX program lures in public servants ( teachers, but also veterans, nurses, etc ) with the promise of a grant, which conceals predatory lending practices. 

lender info : XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-25
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: Navient Solutions, LLC. (FL)

Navient Student loan # XXXX  reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
Consumer complaint received 2018-03-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

I have reached out several times to XXXX ( XXXX XXXX ) to discuss the huge amount of interest that was added to my once {$13000.00} loan that is now {$25000.00}. I had no idea that when I was in school not making payments that the loan would still be accruing interest so it was truly not in deferment. I have made several attempts to find a solution with the loan providers. I get the run around that its a private loan and all XXXX does is collect the payment so there is nothing that can be done unless I pay my loan off in full. I have tried to make a settlement payment with them and have tried to get the late fees taken back just to make the load pay off more manageable. Mean while I just keep paying several hundred dollars each month that I just found out is not even covering my interest payment! The interest rate has increased and it is impossible to pay off the current loan amount at the rate that its going. I am tired of getting pushed in to forbearance anytime I call with concerns of not being able to afford the payment. I feel at this point I have exhausted all options. My last call to them was in XX/XX/XXXX2018.
Consumer complaint received 2024-04-21
Product: Credit reporting 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. (NJ)

I am writing this in good faith. The items listed are HARD INQUIRIES on my credit profile/report. None are connected to an open account, and are having a negative effect on my ability to secure credit. I would like them removed from all three of my credit profiles with the following credit reporting agencies : Equifax, XXXX and XXXX. Thank you. 

XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX NJ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX
Consumer complaint received 2017-12-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Olympia Title & Escrow Corporation (FL)

To whom it may concern : The broker XXXX XXXX, president of Olympia Title & Escrow Corporation, handled the closing for my house ( I was the seller ). XXXX XXXX scheduled the closing for XX/XX/2017. Since I was not going to be able to attend, XXXX XXXX asked me to go to his office to have the documents notarized by XXXX XXXX, the day before the closing. His office is located on the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number XXXX, e-mail : XXXX. Enclosed you will find the Closing Disclosure, on line 12 for Due from Seller at Closing, theres a utility escrow for {$300.00}. XXXX XXXX explained that once they verified that the accounts for the utilities in my house were not deliquent, they would send me a check for {$300.00}. 

Two months have passed since the closing. I sent several e-mails to XXXX XXXX trying to find out the status of the refund of that Utility Escrow, yet I haven't received an answer. 
I would really appreciate your help on the resolution of this issue.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (FL)

On or about XX/XX/2021 I filed online to terminate services with XXXX XXXX XXXX Thereafter I returned the equipment ( cable box ). Several times in XXXX and XX/XX/2021 ( on four ( 4 ) separate occasions ) I communicated directly with personnel from XXXX all of whom agreed over the phone that I did not owe anything further and would make the appropriate adjustment to the account. Since that time XXXX has forwarded the account for collection to XXXX XXXX XXXX who has now damaged my credit report by filing a report claiming I owe {$350.00}.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (GA)

I contacted Allied collection services on XX/XX/2017. I received a response form the company by mail dated XX/XX/2017 by USPS letter dated XX/XX/2017 I mailed a copy of my Identity theft affidavit on XXXX XXXX by USPS as of today I have not received a response however this company continues to report to XXXX.
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-03-04
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. (TN)

I just received my credit report from TransUnion. Re : file number XXXX. My credit report still shows a utility bill with XXXX XXXX XXXX XXXX XXXX. Account number XXXX, in the amount of {$420.00}. I paid that balance off on XX/XX/2018. 

I have a new utility bill at XXXX XXXX XXXX, XXXX XXXX. XXXX TN XXXX. I moved into this apartment XX/XX/2018. I sent TransUnion a copy of my new utility bill. None of those telephone numbers belong to me. My phone number is ( XXXX ) XXXX-XXXX. I have never lived where ( XXXX ) XXXX-XXXX is located.
Consumer complaint received 2018-03-25
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. (PA)

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX  with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
Consumer complaint received 2020-10-20
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. (MD)

Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX  you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Ive been trying to build my credit for 7 months now. I 'm now XXXX XXXX XXXX and still a little naive to this kind of stuff. But, a couple of days ago I decided to check my credit score and saw that it said under " public records '' there was a balance of {$12000.00}. Now I 'm not sure if it means I have to pay that. But what I do know is that there 's a year that number corresponds with. The year is 2010, in 2010 I was XXXX XXXX XXXX. I think there 's a mistake because there 's no way that has anything to do with me.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX  on this account and as yet to be settle.
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (NY)

About 3.5-4 years ago I contacted Navient to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX XXXX  and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with Navient and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
Consumer complaint received 2024-05-03
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. (CA)

Equifax needs to immediately delete the negative XXXX information off of my report. Pay me the {$400.00}, a sign on bonus that I was not able to attain because I was denied the credit card I was applying for. Equifax intentionally reported FALSE information without any documentation/proof/evidence and would not remove it even after I explained that XXXX had removed the info from their report. I requested they read their owne report. All creditors are paid in full either early or on time. Obviously if there is only one company reporting I owe them money and all the other companies for many years show consistently being paid in full all the time, ( something is not right. ) Between Equifax and the useless CFPB, I was told the reporting agencies don't have to provide documentation. They both suggested I hire an attorney of which they had referrals for. CFPB said I could call congress because the make the rules that don't mandate that documentation be provided to put in your file proving the slanderous comment. Understand that Equifax sent me a XXXX page report from their investigation and did not include any documentation from XXXX of whom I was a customer on auto pay for more than XXXX years.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (TN)

I see two different credit cards on my report that are not mine. I did not open those accounts. 

Citicard CBNA - ACCT XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX  - ACCT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MI)

My wife and I both contacted the property manager as well as the collection agency to request a copy of the original lease and debt. Both parties have failed to provide the necessary information to remove from our credit reports. I was evicted during COVID, and such the landlord received funds from the XXXX fund in excess of XXXX XXXX. then evicted for nonpayment. I would like recover some of the funds as I ended up homeless.