davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.
Consumer complaint received 2017-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I advised wells Fargo that i was requesting relief because i live in a federal disaster area. they are refusing to apply said relief to my account. i did not make my XX/XX/XXXX payment due to hurricane Irma. I made myXX/XX/XXXX payment on XX/XX/XXXX and they are refusing to post it to my account. this is what they sent me. 
XXXX XXXX : Thank you for your partial payment toward your mortgage loan account ending in XXXX. 

Since we 're unable to make partial payments to the loan, we 'll hold these funds for you until you make the rest of your payment. At that time, we 'll apply the full amount of the monthly payment to your loan. Your due date will not advance until the full payment is applied. 

You may incur a late charge if we do not receive your full monthly payment by the end of the grace period. Please make the full monthly mortgage payment by the due date on your billing statement. 

Please call XXXX for more information and to pay the remaining balance. Our hours are Monday through Friday, XXXX XXXX to XXXX XXXX, Saturday, XXXX XXXX to XXXX XXXX Central Time. 

please advise them that they are in violation of the federal disaster declaration from XXXX XXXX florida. They are nothing but crooks and belong in prison.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

In wake of the massive Equifax breach there needs to be an easy and free way in which a consumer can freeze ( and thaw ) their credit so that the perpetrators can not open new lines of credit in my name. 

While I will continue to aggressively monitor my familys credit, it is disappointing that there is not a way to easily do this at the three main crediting agencies.
For Equifax, XXXX and XXXX to actually profit from a security breach that they caused is beyond mind numbing.
Hi Customer, We the credit bureaus collect ALL of your personal and financial information in one convenient database. Unfortunately, all of that data was stolen, but for $ X a month we will monitor and protect you from fraud. 

No thank you. 

XXXX XXXX
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> at XXXXXXXX XXXX, I mail my dispute letters to TransUnion via certified mail ( Certified Mail Tracking Number XXXX XXXXXXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC (MT)

the original creditor according to my XXXX  credit report is XXXXXXXX XXXX- which i had fraudulent activity immediately on my account after applying online to this " payday loan '' i had to report and investigate it with my bank account. my bank investigated and for my safety closed my account and reopened a new one. 
National Credit Adjuster LLC bought this debt and refuses to resolve the fraudulent activity and marketing XXXX XXXX caused on my account. I have disputed this on my XXXX credit report with no luck of any resolution. 

original amount is XXXX opened on XX/XX/2019 account number XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

The Equifax breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Consumer complaint received 2017-09-12
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. (MO)

My granddaughter and I have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same XXXX XXXX XXXX. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX Credit and they told me I  needed to file a complain with Experian. This is not the first time this has happened and I would like for it to stop.
Consumer complaint received 2019-10-25
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. (UT)

XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Consumer complaint received 2019-10-25
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. (UT)

XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both XXXX and Experian. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AL)

Amazon 3 times and Old Navy XXXX are the ones showing delinquent, when we tried paying and they had me as XXXX. This took months to fix. Still no one can explain to me how this happened. 
Thanks
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Trying to put initial Fraud Alert on my credit with Equifax. 

First tried calling - XXXX - get past first entry, but when trying to enter social security number, I receive an error, whether I try to enter it verbally or by key entry. Told to either go on-line to alerts.equifax.com or mail it in. 

Second - on alerts.equifax.com I enter all required data, click accept conditions and enter and then get a screen saying system is currently unavailable ( try again or click to print a request form ). 
Have tried many times with different browsers, all give same results. 
When I click on print request form, I get the wrong form ( extended alert form ). 

A company of this size with a problem as visible as this should not have these kind of problems.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Upon learning about the XXXX security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by transunion, XXXX and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Data Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ). '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 



.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

This is in reference to the Equifax hack - according to their online system, I am one of the 148 million affected Americans. A breach of this level is absolutely unacceptable.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (VA)

I was notified last night by my credit service that I have account that went into collections. I initiated a credit file alert and now Im in the process of obtaining a police report in order to get this removed off my record. I have included the collection agencys information below : Original Creditor : Sunrise Credit Service Balance : {$3800.00} Date Opened XX/XX/2021 Contact : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent Equifax breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Experian is reporting XXXX XXXX XXXX  on my consumer report last reported XX/XX/2017. This account was removed then placed back on my consumer report. I am demanding removal of this item as they are violating my rights as a consumer and reporting information that is inaccurate. Pursuant to federal law 15 USC 1681 " Reporting agencies must validate the debt for accuracy prior to reporting information. 15 USC 1692 you are invading my privacy rights as a consumer. 15 U.S. Code 1692g - Validation of debts : the alleged debt was never validated and was removed then placed back on. I demand removal of this item or else I will seek legal action.