davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

My husband and I both did credit freezes with all three major credit companies in 2017 when the breach happened.  We are applying for a refinance of our home and needed to unfreeze our credit for the application.  With XXXX and XXXX  we had absolutely no problems and it took 2 minutes maximum per company.  With Equifax, however, we've had major issues. We both have the pins that were sent to us when we first did the freeze in 2017.  When we went to log online, the website was confusing and I went first with my attempt to unfreeze and was told to set up and use Lock and Alert instead.  It was pretty easy to sign up for an account and I was able to unlock it.  When my husband went to do it however, it said he had no MyEquifax account nor a Lock and Alert Account. He signed up for both but got a message saying that he wasn't able to proceed because of verification issues and they'd either send a pin via postal mail which could take up to 21 days or he could call a customer service number. We needed to unfreeze the account today so he called. He went through the whole verification process with the person on the phone and then was told, after spending 20 minutes on the phone, that he would have to be transferred to someone else. He had to then repeat all the same information and they were able to lift the freeze over the phone but said that there was a problem wtih the website and he couldn't log in for 24 hours.  He asked to speak to a supervisor, was put on hold and then disconnected.  He called back again and spoke to someone who took his information and then transferred him to another agent. He had to again repeat all the same information (after being told that he wouldn't have to and the agent would relay all of it).  Finally they were able to grant him access to MyEquifax, but he was told that they couldn't get him logged into the Lock and Alert because it was a different product and they'd have to transfer him.  The agent said he would personally call to make sure it was transferred.  The agent came back on and said that he tried calling that number himself and for some reason it wasn't going through but that my husband should call himself. The number he gave him was the very first number that my husband called that started this whole debacle. When he told him that, he again put my husband on hold, went to another supervisor and got a different number.  He hasn't tried calling this new number yet because it's already been 2 1/2 hours, but this is a huge issue with Equifax and a huge complaint.  Thank you.
Consumer complaint received 2019-08-12
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: BARCLAYS BANK DELAWARE (FL)

There was a credit line increase request submitted in error on my Barclays credit card. I called Barclays bank to have it canceled and the hard inquiries removed from the 3 credit bureaus. After talking with 2 agents to try and have this request canceled, I spoke to a manager XXXX ( XXXX ) who said to submit a complaint as they can not complete this request ; he said once the hard inquiry is pulled, they can not undo it.
Consumer complaint received 2021-02-05
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I received my credit report from ChexSystems and found errors due to identity theft. The following inquires are due to identity theft and were not authorized by me : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX saying that on XX/XX/XXXX the credit union instructed ChexSystems to remove the inquiries however as of today, XX/XX/XXXX the inquiries are still showing. The only address that should be on my ChexSystems report is : XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I have attached a copy of my photo ID for address verification.
Consumer complaint received 2017-12-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (IL)

My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance (SC)

Last year a company contacted me via a non-ring voicemail. This company posed as XXXX XXXX XXXX over the phone, so I called back. He later said/sent email after I gave him my social that he worked for XXXX or ( Student Loan Financial Association. ) I followed the directions to cancel this contract, but they included a bogus address and my paperwork was sent back to me. I froze my credit and reported them to the US Department of Education, my bank, XXXX and my loan provider. I have blocked them from harassing me and just received another call today from a XXXX Voice number based in XXXX, SC. I keep all the voicemails. Im so sick of them. DO NOT under any circumstance give information to anyone who is posing as XXXX. Contact XXXX directly by phone or email to verify that they are actually trying to get in touch with you or have a desire to help you. XXXX and XXXX warn against using companies like this on their homepage. Never share your social security, bank information or address over the phone.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXXI disputed collection debt with XXXX XXXX XXXX (this is their new name), with all three collection agencies providing copies of cancelled checks from XXXX   throughXX/XX/XXXXwhere the company would return my payments on my debt stating they won't accept it unless I pay the debt in full.  The company initially was accepting my payments but began returning my payments.  I'm on a fixed income due to illness and at the time I was also paying my XXXX, my treatments & for my medication out of pocket and was sending XXXX to XXXX month.  I won my disputes with the credit bureaus and the collection company and as a result, this was removed from my report.  In XX/XX/XXXX, Experian allowed XXXX to put this back onto my report again (Only with Experian); this is fraudulent behavior and I've reached out to Experian, last year and again this year, with no response.  I've also filed a complaint with the AG's office about both companies: Experian & XXXX.  I provided the necessary documentation to successfully dispute and it's unethical at this point to ask me to 'find something' yet again!
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Product Collect
XXXX XXXX XXXX XXXX XXXX Texas XXXX

Is attempting to collect   $XXXX for XXXX XXXX XXXXs in XXXX Texas. I have informed the collection agency to stop calling me but they keep calling and harassing me.

I tried to settle this account with them over the telephone but they placed me on hold for over an hour.

Please advise 
 XXXX XXXX
Consumer complaint received 2019-08-16
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. (CA)

I was a victim of identity theft and notified EXPERIAN credit bureau who is not helping and removing the fraud address and account off my report. they keep telling me they can not read my police reportI HAVE BEEN FORCED TO GET A 2ND POLICE REPORT which they still say they can not read. how is that my problem they can call the police station that issued the report. I have already been going through enough since my identity was stollen and used. they are not removing it giving me the same excuse why do I need to go get a 2nd police report when I already got one but I still went ahead and got a 2nd one. this is unprofessional, they are rude to me, yelled at me and the supervisor I asked to be transferred to used profound language with me and hung up the phone. that is so unacceptable as a supervisor to do that. I am already stressed out and this has taken a toll on me I don't need this from them. they said they could not read the first police report I went and got a second one. I do not know what the issue is and why they are doing this to me. somebody should take a look into there company. by FCRA 508b they are obligated to block/remove the account/s if provided with a valid police report, within 4 business days. which they have been provided with 2 different ones. they are breaking the rules and law. EXPERIAN needs to remove the fraud account from XXXX XXXX off my report immediately and remove the fraud address of XXXX XXXX XXXX XXXX XXXX ca
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Since XX/XX/2019 XXXX  has been continually reporting to Equifax that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/26,XX/XX/29,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact Equifax to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to Equifax on XX/XX/14 for an hour and they too have informed me of exact details of XXXX incorrectly reporting to Equifax. XXXXXXXX is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I tried to use the Bank of America Debit card to pay USPS for money order the payment didn't go through.  Date: XX/XX/2019 Amount XXXXBank never sent me replacement debit card for almost a year after expiry.Went to the bank they were not able to do anything and come back later or call in.Called Bank they said the debit card was cancelled  for non use few years ago. Concern: If I was in need of funds I wouldn't have ever have access to it as my debit card was cancelled without my knowledge.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-07-14
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (IN)

I open account with Regions bank I deposited XXXX $ in the account a week later I got a letter saying I owed money to the bank and the XXXX was taken I called couple of times no response or returned called I finally got ahold of a manager at the branch name XXXX XXXX Saying there was no other account for me with a previous balance also the manager by the name of XXXX XXXX open the account for me And did it see anything as well if I owed any amount it wouldnt never let me open up a account according to both managers they neither one saw anything this happened In XXXX and just now being addressed Ive got emails about the account being open ending in XXXX No debit card or anything
Consumer complaint received 2021-02-05
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: SYNCHRONY FINANCIAL (FL)

SYNCB/SAMS CLUB XXXX*****XXXX  Date Opened XX/XX/18 Balance {$220.00} I am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report. Around 45 days ago I called for an examination since I felt the item seriously isn't being stated most recently. To my surprise, I have been given a notice stating that your evaluation was completed and that the item had been " established as legitimate. Below Section 1681 ( g ) I highly recommend you produce me with a detailed description of the method used to examine that this particular account is " reliable '' and forward me the name and addresses of persons phoned per laws perfectly located at the FCRA.
Consumer complaint received 2019-08-16
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. (MD)

XXXX XXXX of Delaware has negative reports on all three credit reporting agencies. I was a victim of identity theft in 2009 and I never had a credit card with them. The identity theft was reported to the authorities.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?
Consumer complaint received 2019-08-16
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. (CA)

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and Experian. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have sent a formal request for this company to cease and desist contacting me by phone per the FDCPA. They continue to call me and my wife.I have asked for a formal debt validation and all I received was a letter that said "send payment in full today." That's it.Not only was this letter not the validation I requested but it was also from Mr XXXX XXXX whom was very abusive to my wife over the phone when she was trying to figure what the debt was on her credit report because it is not hers, the debt it is apparently mine.There was no contract for either of us. We had full coverage insurance and all deductibles and coinsurances were met for that year so that's why I have continued to ask for a debt validation.Cease and desist letters as well as debt validation requests have all been ignored.After filing a complaint the very abusive Mr XXXX XXXX called and proceeded to act very unprofessional towards my spouse. And has now sent a collection letter with some sort of demand without any explanation.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

Had major flood In The home. Insurance company paid out $XXXX to me and XXXX XXXX XXXX. XXXX sold mortgage to Flagstar Bank. I paid for all repairs to be done in my home. Sent proof of this to all banks involved. Requested that they refund all money to me as all work has been completed Or take the funds and apply to mortgage payments as I fell behind in mortgage payments.Neither was done. Flagstar has now foreclosure on my home and the house will be auctioned off on XX/XX/2019.  Flagstar still refuses to forward to me the $XXXX   and insist on requesting an inspection and more documents to be sent to them.