davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX CXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (WI)

On XXXX XXXX, 2015 I contacted Experian to have the security freezes on my credit report account and on my wife 's credit report account temporarily lifted. I paid {$10.00} for each temporary lift. 

I arranged for the temporary lifts on my and my wife 's accounts because I was told by the Social Security Administration representatives with whom I spoke that the Social Security Administration uses Experian to verify the identities of people setting up accounts. 

It is now XXXX XXXX, 2015 and I have tried repeatedly to to set up the Social Security account online and not been able to do so. Each time I contact the Social Security Administration I am told that I can not set up the accounts because Experian has not lifted the credit freeze on my wife 's and my credit report accounts. 

It is impossible for me to contact Experian by phone to attempt to resolve this because Experian does not provide a telephone number for doing so. I want the money that I have paid, {$20.00} ( {$10.00} for myself and {$10.00} for my wife ) credited back to my credit card. Experian has not provided the service for which it has been paid.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00}
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NV)

I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

debt to XXXX XXXX XXXX XXXX was denied by XXXX XXXX IN XXXX. account was turned over to collections illegally. XXXX called and talked to them and was told they would remove the collections from my credit account. They have still not removed the collections and won't take my calls. they are ignoring me and this is hurting my credit which I need to use to renew my mortgage. I believe they will just leave this on my credit account indefinitely in retalliation for non payment.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of my credit report.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Credit reporting company Equifax is not helping to create a dispute by saying that there isDiscrepancy in my personal information they are demanding documents DL and SSN card from me If they have discrepancy in personal information then on what basis they are updating my records and score.they refuse to disclose even what is discrepancy This is just harassment I can see all information on credit report then why they need documents from me and if they do not have correct personal information then how they are updating records Request your help to resolve the issue
Consumer complaint received 2022-10-01
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: JPMORGAN CHASE & CO. (PA)

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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. (MO)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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 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 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
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MA)

In 2014, I had a car loan through Hyundai Motor Finance. I had an accident in the vehicle which was a total loss. My insurance took car of the balanced owed, but upon reviewing my credit report HMF is claiming I still owe them.
Consumer complaint received 2016-03-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (GA)

I placed a living room order with Rooms To Go far back in XX/XX/XXXX, and after careful consideration of my living room layout and wall color, which resulted in some changes to the order as deemed acceptable by the sales man ( XXXX XXXX ) at the time, so far the price of the selected item is not more than what is on the package. 

We settled for the items below : XXXX Pc Living Room Package {$2400.00} List of Living Room Package Stationary Love Seat Recliner Sofa XXXX ( Nos ) End Tables XXXX ( Nos ) Tablr Lamb XXXX '' TV Console Oval Cocktail Table XXXX ' LG LED Card ; Sofa Protection Plan {$120.00} ; Rug Padding {$47.00} ; Decorative Club {$59.00} ; ( Although I never knew this was added, I will take the bite as I should have seen and rejected much earlier ) Rug {$310.00} ; Delivery {$150.00} ; Sub Total {$3200.00} ; Tax ( 6 % ) {$190.00} Total {$3400.00} Payments Made XXXX {$350.00} XXXX {$40.00} Coupon : {$100.00} Total {$490.00} Finance Amount ought to be {$2900.00} but amount showing on the statement is {$3200.00}. Difference = {$310.00} I have made repeated contacts with Rooms To Go even before delivery but got no help on the difference. Had I known this will drag this long, I would have rejected/returned the order way back. As matter of fact, I strongly believed I was dealing with customer focused reputable company that would resolve issue with ease until we called the Corporate office who directed us back to the Store. When they call to see how the items are, we mentioned the ongoing issue and again they said go to the store Since there was no progress, We contacted Sychrony Bank XX/XX/XXXX. They promised to get my proof of claim but even with repeated calls to them, they eventually sent a letter on XX/XX/XXXX, received XX/XX/XXXX stating that they would go with Rooms To Go because we signed the receipts. Please, permit me to ask " If one signs to authorize payment after a purchase from a store/retailer, only to get home to find errors on the receipt / bill, will the signature be a basis not to make claim or request a refund? If anything, I would imagine you will, at the very least, get a proper explanation of why your bill is as is. This is all we have repeatedly asked for. Pretty much let us understand the bill In any event the case was closed, thus our recourse to you. we will attach proof of promotional package price ; picture of what we have at our house and payments made. As for the coupon, it was not returned to us after they collected to apply on the rug. 

Again, visiting Rooms ToGo earlier today, XXXX finally offered to refund about {$150.00} dollars which is about half of what is due. This is not acceptable. We are tired at this back and forth and per XXXX, Rooms To Go will not accept the items back because we already took delivery, meanwhile they took over 2 months to even accept we were over charged.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (CT)

A student loan obtained by myself in XX/XX/XXXX for a total of {$9000.00} was discharged through bankruptcy in XX/XX/XXXX. Authorized by a federal court and signed by a federal judge. During that period some loan relief was either granted or not granted. My relief was approved. Many years later I was contacted by DOE and told that the judge did not indicate in my BK that a specific hardship would occur without the relief granted. Therefore the judge had no authority to grant my relief. My loan more than quadrupled because of this and I have been paying this balance since the XX/XX/XXXX 's. The loan has been sold to numerous companies over the years and all continue to force one into the consolidation trap. The loan has been paid down from {$37000.00}. 00 to {$18000.00} presently. This should never have happened. Even if my BK was not correct which is nonsensical, I should not have had the burden of paying accrued interest and penalties when my correct legal documents were being rejected. In addition, my loan is well over the 25 year threshold for student loans. I also became a certified XXXX XXXX years which should have been enough to be granted loan forgiveness but I was told that my loan was too old. At no time should I have been made to pay for mistakes made by any judicial entity. Whether or not it was the federal courts or the DOE. None of this was my error.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (TX)

After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. 

On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. 

All communication has been in writing as required.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis (CA)

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (TN)

Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.
Consumer complaint received 2016-08-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Experian Information Solutions Inc. (VA)

Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WI)

Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX
Consumer complaint received 2016-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!
Consumer complaint received 2016-03-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.
Consumer complaint received 2015-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MD)

This is about a problem with a credit card company. I live in XXXX, my son lives in XXXX. He is an authorized user on my credit card, which I provided him for emergencies. But because we live in different places, every time he tries to use it -- that is, during emergencies such as car problems -- the credit card company declines the charge. Even though he is an authorized user. I have called the company, even to alert them to charges, and the card is still declined. I 'm willing to do whatever I can to provide my son this safety net, but the credit card company makes this impossible. What is a father to do?
Consumer complaint received 2022-08-25
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX, # XXXX ( XXXX ( Original Creditor : XXXX XXXX ), # XXXX ( XXXX XXXX XXXX  ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX  ) ; has violated my rights under sections. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (ID)

in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!!
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PulteGroup, Inc. (AZ)

I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a new Citigold checking account based upon an offer that was presented to me online on Citibank 's website. The offer stated if I met the conditions I 'd be awarded with XXXX ThankYou Points. I confirmed through Citibank 's secure messaging system that the promotion was applied to my account and I 'd subsequently met all conditions ; additionally was notified I 'd be receiving the bonus within 90 days of meeting the requirements. Today, I was notified by Citi that they were incorrect and my account was never eligible in the first place. I 've been charged account fees of {$60.00} over the past 2 months whilst waiting for the offer to come through. Citi stands by their remarks and refuses to honor the bonus.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.