davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (OH)

I originally contacted the debt collection company XXXX in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I filed a complaint XX/XX/XXXX after pulling my credit report and notice there were Hard Inquires that I had no business with. I called and even mailed letters to Experian telling them they are not mine and had no business with those companies. I want them removed from my credit report. 

I would like for all those Inquires to be removed at once. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ) XXXX XXXX
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (ID)

Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me.
Consumer complaint received 2022-07-05
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. (NC)

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

EQUIFAX, XXXX, AND XXXX my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dyck-O'Neal, Inc. (IL)

I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have XXXX loans with Navient. XXXX loan, I can monitor myself online, have autopay set up and maintain. I am the student, graduated in XXXX. The second loan, I have a cosigner. A relative whom does not want to be cosigner. Around XXXX I filed for bankruptcy and was removed of liability of loan with cosigner. However, I still make the payments on this loan. After filing bankruptcy, Navient did not allow access of any information of the loan to me. They said cosigner needs to give ok. The relative lives in another state, making it so difficult for me to monitor my account. Not being able to take advantage of auto pay, denying me access to interest I paid for tax purposes. When asked to remove my cosigner, they made the transferring of ownership too difficult. I have loans with XXXX and XXXX success and maintaining loans with Navient has been the worst experience for both myself and my cosigner. I have to request my relative to check my balance and inform me an I never get to check if there 's an error since I 'm denied any information. I should be able to remove my cosigner and have access to my account like all other loans since I am the one making the payments.
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: High Point Asset Inc (AZ)

I have received numerous calls to my family members giving out my debt information and saying I 've committed a crime and I will be arrested at my job if they do not provide information. They have called me in the past and I have request several times for them to send me this information that I supposedly owe a debt. And advised that they can not provide to me that information in writing, I have it from when I originally opened the debt. They threaten to come to my work, home etc and arrest me if I do not pay an outrageous amount and if I do not comply they will press criminal charges against me. They will not provide me their information and when I keep pressing the issue, they get very vocal and use profanity and I end up hanging up on them. I advised them that I am on the DO NOT CALL list, but they proceed to keep calling my number and my family members. This has to stop and they need to be accountable for their tactics.
Consumer complaint received 2015-11-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (VA)

I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted!
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there - one of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my info When I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put two and two together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theft When I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I have asked Equifax to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

In XXXX, I contacted Equifax asking them to investigate errors that appeared on my credit report. As of today, over 3 months have passed since I sent my request to them, and I have yet to receive a response. I have also sent at least XXXX follow-up letters asking for my credit updates, and I have still not heard a single word back.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (MN)

When I purchased my new lease I specified I wanted my payment due date to be the XXXX of every month. Every bank I 've ever done business with ask you this very question. When the first payment came in the mail, the due on the XXXX of every month. I contacted U.S. Bank to have the payment date changed to the XXXX of every month. In the end I was charged a {$50.00} fee and only allowed to move the payment due date by 15 days.