davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have had extensive difficulty dealing with Equifax. XXXX was by far the easiest, most responsive company to deal with, and Equifax is just completely fraudulent. Equifax not only refuses to remove inaccurate information, and once it is removed, will just place it back on there the next month, but they also would not allow me to have a Security Freeze even with an FTC report and police report. This went on for over seven months, and then, I finally spoke with someone who said they will only do it if I give them the police report AND pay a fee. That is not acceptable. However, because I am dealing with extensive identity theft, I was extorted into paying the fee. Unfortunately, I paid with my checking account, which I will not be closing because Equifax has compromised ALL of my personal data. I want the return of my fee, and I will be going to court over the data breach caused by Equifax. Had they done what I needed earlier, I would not be in this position. I hope this company goes bankrupt and we never have to deal with them again. They were always the company that had inaccurate information and would n't fix it, so it is not a surprise that they would have a hack of this nature. They are consistently unprofessional, non-responsive and derelict in following the laws.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MN)

In XXXX of 2021 I opened a XXXX XXXXXXXX XXXX XXXX with Comenity bank. They advertised a {$50.00} store code and a {$75.00} free game code after I made a {$500.00} purchase. It's been three months and I've contacted the company with phone twice and email twice. They refuse to do anything. They say they can not help me and I should contact XXXX. I've been trying to contact XXXX directly for over a week and there is no answer from the phone number given. Comenity bank is using fraud by offering a reward and then not honoring it. I opened this card because they promised {$120.00} in free game codes.
Consumer complaint received 2018-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Equifax is giving me a hard time disputing my reports online. I have submitted my correct information and it is stating the information is incorrect. When I called in, they will not help with the issue but instead are attempting to force me to do the process over the phone with them. I'd like to investigate each instance and then make a decision if I will dispute it or not. I have done this with XXXX and XXXX already but Equifax is not being helpful at all.
Consumer complaint received 2022-10-06
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: WAKEFIELD & ASSOCIATES, INC. (NV)

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (AL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

I have continued to request for validation and verification of the alleged debt but to know avail. I received a called yesterday from XXXX, and XXXX, XXXX ( XXXX ) XXXX, called me a XXXX and a XXXX XXXX on the phone. I hereby request that you investigate this company. The debt is not mind and i have never received any notice from this company.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated (GA)

I am a struggling single parent who lives in the state of Georgia. I received a payment for child support in the amount of {$910.00} on XXXX XXXX, XXXX. I was told of the child support office that am suppose to receive an Eppi Card. I waited on the card for several weeks and of course the card never came because they sent it to the wrong address. I usually get my money direct deposit so I did n't understand why I 'm receiving a card in the first place. I went back and forth between GA child support services and Eppi Card for about two months. I finally get a child support rep on the phone who tells me your money has been deposited on the debit card and your going to have to deal with them. I call Eppi Card and they swear I 'm not in there system this goes on for weeks. I finally get a rep on the phone who asks me about previous addresses. I told her about an address that I lived at 12 years ago. She gets me over to a supervisor who tells me to fax over my social security card and GA license. I send over the information on XXXX/XXXX/XXXX. I was told to wait 48 hours for my information to be updated. I waited and contacted Eppi Card, I was told by a supervisor to send the information again. I do n't have a fax machine so I 'm spending money at the local XXXX XXXX everytime I send a fax. I send the information again XXXX/XXXX/XXXX. The information gets updated and a card is sent to my address. I open the card and try to setup a pin number to activate the card, " your information you provided is invalid ''. I try again and get the same error. I speak to a representative who tries with me and get locked out of the account which means I have to wait 24 hours. I wait and try again.. samething. I speak to another rep who sends me another card ... same problem. I am currently unemployed and depending on this money to pay my rent and utilities to tie me over until I can find employment. Rent time is coming up and if I do n't have the money me and my children are homeless. I let them know why I need this card to work. I call everyday to no avail. I speak to a rep XXXX/XXXX/XXXX who tells me he 's sending another card. My rent is due and they are still sending cards that do n't work ... this will be the third one.
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NV)

To Whom It May Concern : Due to several inaccurate calculations on my account XXXX ( FHA XXXX ) with Mr. Copper ( loan mortgage company ), I would like to request this account to be audited/reviewed.

On XX/XX/XXXX, I closed the sale of my home and on XX/XX/XXXX the payoff wire was sent & received by Mr. Cooper as per their payoff demand ( pages 1-5 ) On XX/XX/XXXX, I notice my account was not yet closed. I contacted a customer service representative ( XXXX ) who informed me that due to disbursement of taxes made, the payoff amount increased {$470.00}, however it was not disclosed. In speaking with XXXX, I felt very discriminated due to my accent. She had an attitude and was very disrespectful. I decided to reach out to the title company. Me and escrow officer ( XXXX XXXX  ) XXXX XXXX XXXX, spoke with XXXX, who advised us they did not calculate enough funds in the escrow account to the disbursement that created a shortage on the wire payoff. We were informed initially that the shortage would only be {$470.00} due to the tax disbursement. I called back on the same day at about 1300 hours to make a payment on the shortage. Of {$470.00} and spoke with XXXX. She was very uncooperative and threatened me that if I did not make a payment of {$1200.00} fully satisfy the loan, Mr. Cooper would send the wire payoff back to the title company, causing for me to get a 30 day late. XXXX coerced me to pay an extra month of interest which was not needed. Paid confirmation # XXXX This is not the first time I have noticed extra charges being added to my account. In my mortgage loan statement XX/XX/XXXX, I neither noticed a charge for {$15.00} for an inspection never disclosed nor was I informed one was being done. ( see page 6 ). I spoke with representative ( XXXX XXXX ) who had no knowledge of what the inspection was for or why I was being charged.

I was very disappointed and concerned of the lack of customer service, disrespectfulness and how my loan was handled with these miscalculations. Further, their pay off demand was good through XX/XX/XXXX the day they received the wire. For that reason, I would like to request to be refunded the interest collected for the month of XXXX. I should not be penalized one additional months of interest when they received the pay off demand on time. Therefore, I would like to request my account XXXX ( XXXX XXXX ) with Mr. Copper ( loan mortgage company ), to be audited/reviewed. 

If you have any questions, please contact me at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have been enrolled in a interest rate reduction program for two years which i diligently renew every year. In XXXX 2017, I received an email from Navient to submit documentation to renew in which i did. I get a statement in XXXX indicating that not only has my payment amount increased from {$120.00} to {$250.00}, but also the due date his changed from the XX/XX/XXXX to the XX/XX/XXXX. I was informed that I owed the difference even though i submitted the requested documentation and set up auto debit for the payment. Navient claims that in addition to requested documentation submitted, that i was to personally contact them which was never indicated. Navient is practicing predatory lending and ensuring policies/practices for borrowers to default on their loans. I just want the reasonable and affordable rate that i was paying before.
Consumer complaint received 2018-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2017-10-04
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. (FL)

Equifax has a Promotional Block on my account, so when I recently applied for a Home Equity Loan my report came back with little to nothing on it because of this block and I was denied credit. 

I have called them twice XXXX do n't remember the dates ) and was told it would be removed. I have sent three letters XXXX XXXX, XXXX, & XXXX ) asking them to remove the Promotional Block. The first two times they told me it was removed, yet it remained. The last time they asked me to be  more specific ... I 'm not sure how more specific I can be by asking them a simple question to remove the Promotional Block! 
I first noticed the Promotional Block after the denial of credit when I requested a copy of my credit report and they sent me two copies. One with everything as it should be and one with hardly any thing on it and that 's when I noticed the line File Blocked For Promotional Purposes!
Consumer complaint received 2021-04-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Consumer complaint received 2022-03-31
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. (CA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (CA)

I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more
Consumer complaint received 2018-03-15
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. (TX)

On XX/XX/XXXX I contacted Equifax to remove dispute comments on credit report as I was trying to obtain a mortgage and needed these items removed. I was told in 72 hours the system will be updated and items removed. With that information I advised my mortgage company to go ahead and pull the credit again in 72 hours to reflect no dispute comments. To my surprise, my mortgage lender told me dispute comments still there over 72 hours later, and I was denied a 2nd time. On XX/XX/XXXX I immediately contacted Equifax again only to be told that they had no report of me calling, and yet again requested dispute comments to be removed, I was advised yet again they would be removed in 72 hours. Being skeptical I called back, and was advised there was a system error and no dispute comments were removed and that " maintenance dept '' would have to handle it. I advised the rep that time was of the essence as I may lose my house due to this incompetence, she said she would try to remove them again, she told me she was able to get them removed. She  provided a confirmation number. On XX/XX/XXXX I called in again and was told no dispute comments are on my report. I am so wary because I cant trust what they say at this point. I asked to have inquiry removed as their incompetence has caused me another ding to my credit. They stated they could not do anything to remove the inquiry. This company is outsourced and reps can barely speak comprehendible English. I asked for verification as they said they will email me it to me ... never came. She stated she would also mail it to me. When I check confirmation number in their " check status '' it says cant be found. I am at a deadlock because this company has fallen through many times! I am not able to obtain a mortgage unless they do their job! Their service is highly incompetent and poses a risk to the American consumer. Rep purposely refuses to hang up when advised I'm waiting for the survey after the call. When you call in and ask a question, they say " Ill place you on a 2 minute hold '' and they don't come back for some time, only the next question you ask they do the same " hold ''. Call is held many many times. This company is blocking me from receiving credit as they don't do their job as required. I am at a standstill because I cant suffer another inquiry only to be told they didn't remove the comments as directed. That will drop my score so low I wont even qualify for a mortgage at that point. I kindly ask someone find out what is going on at this company. Sad thing is, same scenario happened to my husband ... same dates!!! We called right after one another even with a confirmation code given they said no record of XX/XX/XXXX request.
Consumer complaint received 2018-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

for the 5th time i am trying to get this matter validated. i sent a validation debt letter to all XXXX credit bureau, for the {$2900.00} debt by XXXX the debt was and is not validated but yet remains on my credit report. this validation was received by the bureau in XX/XX/2016 and i am still awaiting the validation
Consumer complaint received 2022-10-06
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: CCS Financial Services, Inc. (NV)

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2017-10-04
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. (SC)

I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Consumer complaint received 2024-01-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX  XXXX, that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.