davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRESNO CREDIT BUREAU (CA)

On or about XX/XX/XXXX or XX/XX/XXXX I had XXXX ; I signed all the necessary paperwork at the hospital. Around XX/XX/XXXX my wife and I pulled our credit report to see what was on it and I noticed I had a debit from affiliates in imaging out of XXXX, CA ; I was unaware of the debit was under the impression my insurance handled it since I did not get any notice from the company. I have asked for verification of the debit and was sent the last page of the hospital stating that it will contract out services. I tried to contact the Contractor that was original creditor and was told to contact Credit Bureau USA. They have sinced contacted me with the following information signature page from the hospital, payments made to the affiliates. The Collection Company " Creditors Bureau USA '' is NOT a Contractor of XXXX XXXX Hospital, therefore I do NOT owe them anything. I am asking for them to remove the derogatory marks from all my credit reports.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SD)

I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: VALLEY NATIONAL BANCORP (AR)

On XXXX XXXX at XXXX and XXXX my ATM debit card was used at an ATM located at : XXXX XXXX XXXX XXXX XXXX TX , twice in a row to withdraw XXXX each transaction at this time I was at work at XXXX , Ar XXXX from XXXX CST a XXXX hour and XXXX XXXX XXXX or XXXX hour flight from the location of the transactions my card was in my possession and I have not shared my pin with anyone I have attempted to contact my bank multiple times and been told I must come into a branch to make a dispute I have thoroughly explained I do not live within XXXX miles of a branch and can not come into a branch I have offered to have the forms emailed or faxed to me so that I can complete them I have filed a police report and my bank is just telling me " too bad because it is not their policy to email or fax the forms regardless of where I live '' I have exhausted all other means of resolving this so I am just making a complaint at this point to hope you guys can help me to get my bank to listen and assist me with these fraudulent charges. The police report number for XXXX XXXX is : XXXX taken by XXXX XXXX over the phone the same day of the transaction if you would please reference my attached screenshot of the transaction as well as my time sheet showing I was there.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

I can not get my credit report accurate Equifax. They have erroneous security questions and continuously block my online access, no matter how many times i fax them my drivers license, the questions they pose have absolutely nothing to do with me, thus I can not enter the file or online dispute process. I do not have this issue with XXXX or XXXX. My credit score with XXXX and XXXX is near XXXX and XXXX has it listed at XXXX, it dropped over XXXX points in the last month alone. When I was able to finally view my equifax report, none of my new accounts were listed and none of the information I had disputed has been removed from my Equifax report. 
I have tried contacting Equifax to no avail. No resolution. I would like my Equifax file to be corrected or at least a ) have the ability to access it b ) have Equifax actually make the corrections it needs to. It should mirror the other reports but it is so far off it looks like someone else 's credit report. 

I am seriously considering suing Equifax for interfering with my Business plans as their inaccuracies are causing me to be denied credit unjustly and I plan to purchase another vehicle and I want a correct and accurate report by that time which is 90 days from today.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Equifax disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax refuses to update my credit file. XXXX XXXX forwarded an update on XXXX/XXXX/15 to Equifax but they refuse to update my file. Equifax does not respect the CFPB and each time I complain about Equifax to the CFPB, Equifax responds that they need 30 days to research. I am not sure why you would need 30 days when the creditor provided you with an update. THIS HAS TO STOP EQUIFAX SHOULD NOT BE ALLOWED TO OPERATE IN THIS MANNER. In the last two weeks I have been denied credit for home owners insurance, line of credit and new vehicle.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I received XXXX and XXXX credit reports online at AnnualCreditReport.com. 
Equifax, instead of displaying my credit report, I get a web page that says : " Online Delivery Unavailable '' and " We are not able to deliver your free Equifax Annual Credit Report online. '' Why not?
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have disputed various occasions with EquifaxXXXX to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and permanently remove and Delete all collections and unauthorized hard inquiries and inquiries from my credit file. 
Equifax and all credit reporting agencies has allow collections companies and attorneys Law Firms and creditors do whatever they want. 
There is a " Fraud Alert " on my credit reports with Equifax XXXX that l requested to be removed and Delete Permanently but credit reporting agencies has n't remove or delete from my credit files. 
Equifax XXXX can not implement and allow collections companies and attorneys Law Firms to report any collections and delinquencies and inquiries and unauthorized hard inquiries and inquiries on my credit reports. 
I am XXXX and Retired and protected under Federal mandated XXXX XXXX XXXX 
Also with respect and request that Equifax XXXX to implement on my credit reports that l retired XXXX on XXXX XXXX XXXX XXXX XXXX to update my credit. 
My credit scores are suffering in the XXXX scores mark because of Equifax XXXX allowing collections companies and attorneys Law Firms do whatever they want with my credit. 
I am a XXXX Military Veteran. 
This is a urgent matters.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (KY)

I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.
Consumer complaint received 2022-10-02
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. (GA)

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. In 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.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have submitted  XXXX  claims already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports. Equifax and  XXXX  keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

I was given a business check by a person who was supposed to buy an item from me. The bank cleared and cashed the check the following day ( I trusted the bank to know if the check was good or hold it if there was any uncertainty ). I deposited the check on friday XXXX/XXXX/2017 and the cash was available on XXXX/XXXX/2017. I assumed their was no problem with the check and procceeded to follow instruction of the buyer of this item. I then money grammed the remaining balance after taking out for my item to the person who was supposed to come pick the item up. Everything was fine on my account with {$60.00} something dollars in it to use cautiously because I am a XXXX single mom and need to use every dollar carefully. Around XXXX on monday XXXX/XXXX/2017 I received a decline on my card for a less than price that I knew was in my account. I immediately got in my vehicle and checked my account. It was XXXX! I called the bank immediately and asked them what is happening. The person I spoke to was very rude, I asked if I could speak to someone who understands whats happening and if they were available and I was told " I just told you what to do, I do n't see any reason for you to speak to the branch manager! '' I told her I need to and can you please have her call me. The following day the branch manager was as equally rude explaining only that I am responsible for that balance and that I need to wait until the XXXX and there 's nothing I can do. They said Im not allowed to shut my account down to prevent further fraud. They are expecting my direct deposits ( only income source for the month to support my daughter and I ) this month to go towards their lost balance. I asked about opening a different account and basically the rude first person and her branch manager were standing there in front of me with their arms crossed. I made other calls and have been to the police, fbi and banks. Meanwhile before the check is even deemed fraud on the XXXX they have taken out about six or more and continuing overdraft fees of {$38.00} all circling around this deposit. This is a very upsetting event for me all the way around. I 've had to put my life on hold since the day I trusted the bank to be more knowledgable and helpful in an event. I did n't think for a second the bank would cash something that even has the possibility of being suspicious and trusted them to carry through accordingly. The poor attitudes and unwillingness to help from the staff and even branch manager are very hurtful on top of a crises. After this is settled and they rack up more than their share of my and my daughters living I will never do business with them again!
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I received a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.
Consumer complaint received 2016-12-21
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC. (KS)

NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.
Consumer complaint received 2015-06-05
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.
Consumer complaint received 2015-03-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (TX)

Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (NY)

There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time