davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} and XXXX XXXXXXXX XXXX  XXXX Balance : {$6400.00} I believe it was reported erroneously.
Consumer complaint received 2015-11-30
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Delbert Services (OH)

Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}.
Consumer complaint received 2021-10-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I ordered a gift from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) using my credit card. The order number was XXXX and the amount was {$52.00}. I received a letter fro the credit department at Equifax Cred Inf XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) that the order can not be processed because I have a credit freeze on my file. Given the breach, I am concerned on why a credit check and why this company? I have written XXXX XXXX to cancel the order and remove me from their records. Please help - is this legitimate?
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: High Point Asset Inc (MO)

I missed a call from the debt collector and I returned the call and stated Im returning the call. The collector stated they were looking for me, and I never verified I was the person whose name he stated I asked what the call was regarding and he responded its regarding a debt and I asked if he was familiar with the laws he told me yes and he can disclose that its regarding a debt
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-07-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MN)

I have close to {$100000.00} in student loan debt, {$20000.00} of which is funded by Sallie Mae/XXXX. 
Sallie Mae/XXXX refuses to work with me and demands that I pay {$320.00} a month or more on this debt with 10 % interest. Everytime I call a representative tells me that is my only option, or I can default. Then they state that if I default there might be some help for me but they do n't know, and there 's nobody I can talk to about it. It is unbelievable
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Equifax and XXXX XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. 

Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All three credit bureaus report a different age of these accounts.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (HI)

annualcreditreport.com says it can not supply my free annual report by email " for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MI)

Experien Refuses to investigate and provide documentation of such for XXXX accounts that are past the date of first deliquency. Information in thier records is inaccurate. I have attached a copy of a previous credit report I obtained from Experien showing that they changed information they had on file. They have carelessly ignored my requests to remove these items. I have attached copies of XXXX accounts.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.
Consumer complaint received 2020-10-06
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: CITIBANK, N.A. (FL)

I HAVE BEEN CONTACTING CITI BANK FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

When I was having trouble paying my loans, they would not lower my payment enough to make it affordable. It was the same thing over again to get a lower monthly payment. The lowest they would go seemed consistent with other people who have loans with Navient. We were offered the same XXXX year replacement plan almost to the penny, seemed like they did not consider income or expense depending on status. I also went back to school for my XXXX and I stated this. They would not defer my loans, they deferred them after XXXX months, hurting my credit rating.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX aquired my information from SYNCHRONY BANK without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes XXXX years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.
Consumer complaint received 2016-02-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.
Consumer complaint received 2016-08-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MO)

I have told them i have nothing to do with this debt and to remove my name and number from the list. This is a loan that my brother has for school which payments are being made and they will not remove my phone number.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I 'm writing because I am not able to make payment on my loans. When I stared out my loans were with XXXX now they are with Navient. They keep collecting interest, even though I was on a forbearance. I would like to have them delegated off of my credit report because it 's hindering me.
Consumer complaint received 2016-09-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.
Consumer complaint received 2017-02-04
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (CA)

i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

In XX/XX/XXXX, I tried to dispute a charge on my XXXX XXXX  from a company called XXXX. The charges totaled over {$20000.00} around the time of XX/XX/XXXX.

I think misunderstood my dispute because I got a letter denying my dispute claim for the reasons not being within the 60 days after suspected errors on my statement, However the problem here is not about an error, but instead the reason for my dispute is : I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me and coerced me in to giving them an outrageous amount of money to purchase the Platinum Ecommerce Website and Stage 3 Marketing Package because I was led to believe I would be getting a website with marketing that was superior to my current online business, yet it was completely under their control. I paid the hefty {$20000.00} for a XXXX site thats is worthless and horrible backend functionality. in the end it has cost me time and money ( due to lack of efficiency ) they have kept my money for a product they never delivered.

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO OTHERS BEING DECEIVED!
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (WA)

My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

I went in to Chase Bank in XXXX / XXXX to open up a business account. The next day, the individual who helped me sent me an email and a text message asking me out. I find this very unprofessional and a breach of data. I am not comfortable going back the bank with this employee still there. I had a friend of mine go to the branch and address this with the branch manager and he was sent a copy of the text and email. When he went back in to the branch and spoke with the manager for an update, he said he informed HR of the incident. I asked if the individual is still employed there and he responded, YES. I ca n't imagine how many others this has happened to where employees are using customers phone # s, emails, etc. and asking them out, using their info for other purposes than banking operations, etc. I can not believe that a company of Chase 's stature allows this to happen and continues to employee this individual. I will be closing all my accounts with Chase. I will also notify others and recommend that they do the same.
Consumer complaint received 2021-10-03
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. (NY)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF.

I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2018-01-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (PA)

My son lost his job and got behind in a payment.  He paid partial payments and attempted to get caught up.  He also called the company and requested a couple month deferment until he got back on his feet.  They told him not our problem "get it from your co-signer".I don't believe there was ever a time that it became over 1 month behind (it may have gone to 2 months but not more)  A monthly payment is $XXXX so there was never a balance higher than $XXXX  plus late fees.They called me a couple of times at work and while I was driving.  I was annoyed that they would harass me over $XXXX dollars and told them so also told them that my son requested a short deferment.  The person that I spoke with in XX/XX/XXXX advised he should have been given that option and was very understanding and apologetic.  The only person I ever dealt with that was.The loan did get 2 months behind in XX/XX/XXXX.  Everytime he would try to get caught up it would never be the total amount so it kept adding up.I was in shock that they would be harassing us so relentlessly for a little over $100 and told them so.  Before getting caught up they reported it to the credit bureau against my name and have damaged my credit score.  I was never advised that they were going to to do that.  I have worked hard for over 30+ years to obtain and keep an outstanding credit score and without the lease bit of notice/threat that they were going to do it, they have caused me irreparable harm.I am extremely dismayed to find out that they can so callously do this kind of damage for such a small amount of money and see that they have been fined for this exact kind of issue in the past.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (NJ)

There is nothing on file showing I owe telecheck or XXXX XXXX for any debt. There are refusing to authorize a personsal check for a purchase by giving me an authorizing number. I havent had a problem with this previously especially since its in their system that my account with them is clear. I have not received anything by mail in regards to owing for any checks.
Consumer complaint received 2017-10-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and XXXX XXXX