davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Due to COVID-19 & the complete shutdown of the economy. I am no longer employed. I applied for the government sponsored CARES program through Wells Fargo My lone servicer. I'm am the original owner of the home. I've lived in the home since XXXX & have never missed payment until this COVID-19 global pandemic. 

On XX/XX/XXXX, Wells Fargo sent a repo company to my home at XXXX. I was told by the people sent, that they where told by Wells Fargo that my home was " abandoned '' & that no one lived there. I was told that Wells Fargo commonly lies about this sort of thing. Knowing fully well the home is occupied. 

Wells Fargo attempt to steal my house, empty its contents, & change the locks all without any communications with me the home owner. They never contacted me nor communicated any issues with my account. All of this in the middle of the greatest social crisis we've faced collectively as a nation. Effectively a vicious attempt to disposes me of property, freedom, health & ultimately attempt to kill me via exposure to COVID-19 on the streets. 

It should be noted that I'm not in foreclosure & only missed payments are a result of COVID-19 which prevents me from working due to world wide government mandated lock down.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (DE)

My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

Hello, I am wishing to submit a complaint against XXXX. I did not authorize a hard inquiry on my credit report and an inquiry showed up for XX/XX/XXXX. I investigated what XXXX is and it is XXXX. I have an existing credit card with them but have not used since last year, XX/XX/XXXX. What prompted me to look deeper into my credit inquiries was a significant decrease of XXXX in my credit score, which I think is attributed to this hard inquiry. Is it possible to help get this removed?
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NM)

XXXX XXXX and now Navient Corp. have violated the terms of the consolidated loan and have charged late fees and put the loan in forbearance without consulting me first. They. loose paper work and even one of my checks with no explanation or apology. They have accused me of missing payments and I have sent them my bank statement which shows a double payment. They assign an advocate and they last about a year and then do n't tell me of a change in personal. The loan was for my Son.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

After multiple letters and phone call these inquiries and accounts are still not deleted, need info deleted from credit bureu. 
Please delete inquiries I did not approve or have account with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (TX)

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (CO)

The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar has me 60 days late when I have made more payments than I should have paid. They are showing me due for the XX/XX/XXXX payment, not only have I paid that payment, but actually I 've paid the XX/XX/XXXX one. Example : if there have been a total of 48 payment due since the modification, I have made a total of 49 payments, but they have misplaced two payments.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NC)

My name is XXXX. I would like to file a complaint against Experian Credit Bureau. They are listing XXXX fraudulent addresses on my credit report. I have never lived at these places. I have written Experian 2 separate times, informed them these were fraudulent addresses and asked I them to remove them. They will not remove these XXXX fraudulent addresses. Experian Credit Bureau is listing XXXX misspellings of my name. I have written Experian 2 separate times, informed them these were fraudulent misspellings of my name and I asked them to remove them. They will not remove these XXXX fraudulent misspellings of my name. Experian Credit Bureau is listing somebody else social security number on my credit report. I have written Experian 2 separate times, informed them this was not my social security number and I asked them to remove it. Experian will not remove this other person social security number off my credit report. 
Below is the Fraudulent and Erroneous Information Experian Credit Bureau is listing on my credit report. 
Fraudulent and Erroneous Names : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX My name is XXXX XXXX, all of the above fraudulent names need to be removed from my credit report. 
Fraudulent and Erroneous Addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 2. XXXX XXXX XXXX, XXXX NC XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 4.XXXX XXXX XXXX XXXX , XXXX NC XXXX 5. XXXX XXXX XXXX, XXXX XXXX NC XXXX 6. XXXX XXXX XXXX, XXXX NC XXXX 7. XXXX XXXX XXXX, XXXX NC XXXX 8. XXXX XXXX XXXX , XXXX XXXX NC XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Those other address are fraudulent and do n't belong to me. Also on the enclosed Experian credit report from XX/XX/2017. Experian lists address identification numbers that shows which address belongs to an account on your credit report. None of these fraudulent addresses are attached to any of my accounts. Please make them remove these fraudulent addresses. 
Fraudulent and Erroneous Social Security Number : 1. XXXX. Experian needs to remove this person social security number off my credit report. My social security number ends in XXXX. 

As you see I really need from your help. Experian is listing tons of erroneous and fraudulent information on my credit report. Please make them remove this mess. 
Thank you for your help
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc. (GA)

A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.
Consumer complaint received 2023-02-09
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. (TX)

FRCA Violation: auto loan not mine
XXXX XXXXXXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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 Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NY)

I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (TN)

Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (DE)

Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (TX)

I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back &amp; they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me &amp; also my mother &amp; sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency (CA)

I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.
Consumer complaint received 2016-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

My daughters student loan is with Navient. My husband and I are paying it for her and have been sending in payments of {$300.00} per month with a note to put extra on the principle. I figured out that they ignore my notes and process mail in payments very slowly so they can get more interest. I then started to pay online. When I started, a page would come up to select that the extra not be paid forward. I did this twice, then all of a sudden, this page does not come up anymore. Their website is not consumer friendly. I continually have to write extra letters, trying to get them to do what is instructed. I just do not understand why they and other banks are allowed to put the burden on the consumers to write each time they want extra money to be applied to the principle. It used to be automatic. Please help me because the frustrations dealing with Navient is beyond belief. In fact, my daughter had to go through bankruptcy. They stopped sending invoices and my XXXX husband failed to pay ... this accrued an extra {$700.00}. in interest! In addition, the amount they take in interest is different all the time. It does not seem to matter if you pay early or on due date -- and it is not less if you do pay early! Even trying to find a way to email them on their website is close to impossible. Please help for me and many others. Sincerely, XXXX XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

On  XXXX   XXXX  ,2017 I sub mitted a dispute to all three CRAs. I have received the results from  XXXX  and  XXXX , but not Experian. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  XXXX    XXXX   XXXX   XXXX    in Court. Ea ch report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date.  XXXX  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.  XXXX    XXXX   has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

This company recently bought a medical debt, they wanted to know if I got my  XXXX  on the  XXXX  of the month. They said they would keep calling until I paid. I told her I could not pay for awhile the bill is {$500.00} but they will settle for {$100.00}. Since then they have called my phone in the excess o f 12 times in two da ys but never speak, they keep it on mute. When I finally called back she said you do n't know what we want, I said yes your the same person I talked to and stop harassing me. She said she would take me off the list but hung up on me. They call from  XXXX  and  XXXX  they start calling at  XXXX   XXXX  and today is Saturday.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IL)

I had gone to  XXXX  collage and had got a student loan from  XXXX   XXXX   ( navient ) I w as never able to repay my loans and I get harassed by phone calls and emails for payments how ever I am a stay at me mom with  XXXX  children now and am on public aid to help make my way I herd about the lawsuit an I very interested if I of have known better I would have made a better decision I would like to file my complaint.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have contacted Equifax regarding unauthorized inquiries on my credit report. I have made them aware that I have inquiries that I did not authorize. These companies, such as XXXX ( has XXXX inquiries ), XXXX 's XXXX, XXXX XXXX, were all unauthorized, and done fraudulently. I asked Equifax to remove these items because I have never had an account with either company, and this was fraud. I was told to contact the companies, and follow their procedures to them removed. I need for all unauthorized inquiries to be removed.