davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.
Consumer complaint received 2022-10-04
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. (CA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CO)

I was part of the Equifax credit information hack, along with half of all Americans. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an extremely poor job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CT)

I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on me.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

I.have a us bank checking and saving account on XX/XX/2002 A deposit was in the amount of XXXX thru the atm located at XXXX XXXX XXXX XXXX. It was held until the XXXX of XXXX. I have not seen those funds and us bank is not giving me a straight answer not in the branches not with the online banking agents. I never get calls back from managers or branch managers. My account also received a transfer of XXXX from a account I that I don't know about. That XXXX was then transferred to my savings account. I had no idea who made these transfers it wasn't me. Yet I am the one who is being held responsible for it. When us bank can clearly see where it came from. 

1. I gave multiple accounts with us bank yet they won't divulge any info. 
2 I am missing a XXXX deposit 3. I have XXXX in od charges yet I was given a refund or a waiver on my OD CHARGES. I am enclosing a copy of myXXXX bank XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...
Consumer complaint received 2018-01-02
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. (MD)

attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (GA)

My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I have had many issues with Navient during the repayment of my student loans. The phone numbers that they provide in their mailings are often inaccurate. When I call, I frequently get transferred around from department to department. It is not unusual to spend over an hour trying to get to a live person who can help answer account questions. Many of their customer service agents simply hang up on me when I start asking questions. When I email, I get a reply saying to call. 

I have two private loans currently serviced by Navient. I believe that Navient has not appropriately applied the interest rate that I qualified for under the interest rate reduction plan. I have to apply annually for the interest rate reduction plan, and I have qualified for this plan every year since I graduated. 

I also believe that Navient has not appropriately applied my payments to my account. I have to private loans and 8 federal student loans. Payments get applied to the wrong student loans. Navient does not provide a clear way to view how my payments are being applied and does not apply my payments to the correct loans.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equiafax- dispute- X/XX/17 : I have observed that since my disputes to Equifax starting X/2017, this company has placed a FRAUD ALERT on my file even though I sent in a certified letter requesting it be removed from my credit profile. After this time, I was unable to view my credit report weekly through XXXX XXXX. Also, I was unable to find view my Equifax credit report on XXXX website that I subscribe monthly. Both XXXX XXXX and XXXX have told me that the Equifax report is not available and it is through no wrong doing on their part. Through XXXX XXXX I have not been able to access a current Equifax report since X/2017. I have not been able to access the EQUIFAX report through my XXXX subscription since X/XX/2017. I have since tried to go online to equifax.com and check the status of disputes that were done in XX/XX/XXXX- the website tells me that the website is down. I am unable to access my dispute results- which have not been mailed. I am also unable to file any more disputes because it states, the website is temporarily unavailable. This is what I have been told for the past 2 months. Out of curiosity- I had my husband to access his report through the same EQUIFAX website after I was told it was down and he was allowed to view his report and access dispute results from past disputes. it is clear that EQUIFAX has put some kind of freeze or block on my credit profile which has prohibited me from accessing and disputing errors on my report. I have been told that they are doing this type of unethical act to alot of consumers who have been trying to correct inaccurate information on their reports. I have kept careful records of their behavior and will not tolerate or accept this type of harassment from them. Please govern yourselves accordingly because I will not hesitate to contact a consumer attorney due to your willful and wanton negligence.
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Amcap Investments, LLC (TX)

due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NJ)

Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

I have a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London (CT)

XXXX XXXX gave an account to London and London and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Every time I would turn around there would be another bill from navient in regards to my student loans in the mail even after me requesting on several occasions a fixed income repayment plan of some sorts no matter how many phone calls I would make no matter how many times I would fill out paperwork it seems like I would still continue to get these envelopes full of payment plans or a forbearance set of paperwork rather than something that would help me with my economic hardship
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KY)

1. I applied for a XXXX XXXX via Rocket Mortgage on XXXX XXXX 2017 2. I worked with XXXX XXXX to provide all details of my situation and was issued my pre-approval letter on XX/XX/XXXX. I disclosed that I was an US Citizen but living and working abroad at this time and that this was to be an investment / rental property. There were no concerns expressed and the pre-approval letter issued. 3. On XX/XX/XXXX XXXX XXXX asked me to call her back and I was informed that since I was not physically residing in the US that they were not able to proceed. I requested in writing the formal reason for such and was connected with XXXX XXXX. 4. Spoke with XXXX and requested a formal letter stating the reasons for the denial and advised that this was discriminatory lending as I met all financial terms and conditions. 5. On XX/XX/XXXX, XXXX emailed to state that he had reviewed and that due to my non US residency that " financing is not allowed ''. 6. I replied on XX/XX/XXXX stating that this is not a " law '' but a practice by Quicken Loans and is discriminatory. I again requested a formal letter stating the reasons for why I was being denied so that I could take appropriate legal action. 7. On XX/XX/XXXX XXXX emailed to state that " Quicken Loans will not be providing a letter and do not agree with the assertion that we are discriminating. We will respond accordingly to any lawsuits and vigorously defend ourselves ''. 8. On XX/XX/XXXX I re-emailed stating that I was entitled to an formal letter as to the reason for the denial and cited FTC website stating this must be provided in writing. <P/>Due to the aggressive response of XXXX and the refusal to provide the letter and continuing to hold to the discriminatory position I am filing this complaint.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

around the time of XXXX XXXX of 2017 i noticed that someone was writing fraudulent checks on my WELLSFARGO bank account and a check was being deposited that sent my account to negative XXXX dollars and when i noticed that my account was in the negative and i have n't done anything to cause my account to over draft i called to dispute the transaction they told me to take my claim number and they will get back to me they called 2 months after they called saying they denied my claim because the person that deposited has made deposits to my account prior to this transaction but i told them that was n't possible because i am in south Carolina and the deposit was made in new jersey. customer service really didnt try to help me defuse the problem just sent my account into a collection
Consumer complaint received 2017-07-14
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: The CMI Group, Inc. (MA)

I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (HI)

I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Consumer complaint received 2022-10-04
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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