davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

This complaint is similar to the one I filed on XXXX XXXX regarding XXXX. I have since been advised that I should have simultaneously submitted the same against Experian and XXXX. I have submitted my complaints to them by combination of telephone, mail and fax but have received no response of receipt. 
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX lnXXXX, XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian, XXXX, and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

I lived outside the United States for XXXX years until XXXX 2014, for this reason I had no existing credit rating, even though I was born here and had a social security card. I now find that while I have a XXXX passport, drivers licence and registered to vote and for health insurance ... ..I can not get a mobile phone contract because Experian is giving the impression that someone else is using my social security number. I have uploaded documents to their site, mailed them documents. After waiting for two months and no response from Experian whatsoever, I was only able to finally contact them via XXXX and was then directed to a call center in Texas that took more than XXXX minutes of hold time to actually speak to a representative. He told me I would have to go to the Social Security Adminstration for 'verification ' of my number. I called them and they say the do not issue XXXX. I am between a rock and a hard place. I have no delinquencies. I have XXXX active credit cards but it seems they do not report to Experian. There seems to be no solution on offer ... .and I appear to have a false black mark on my record.
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: SYNCHRONY FINANCIAL (TN)

This happened during  XXXX  and  XXXX  time period. Synchrony bank needs to audit my acc ount ( s  ). Since they manage more than one company and there are people that have or have had accounts spanning more th an one  of their companies they need to do an audit on all accounts showing delinquent on my report. I just paid off something I 'm not sure I owe because my credit went from being excellent to extremely bad. You ca n't find anyone at Synchrony that can look at all of it. When you call they ask you which company do you have a card with. I went in circles with them on  my TJ Max  account over the last year and they were confusing two accounts. Applying money toward an account with a  XXXX  balance when I mailed in the payment for the correct account. I have tried speaking to the fraud department at Synchrony and I 've tried speaking to customer servic e for TJ Max  and  Steinmart, I 've  tried talking to my bank (   XXXX   ) to see if they can help but since it does n't involve them they have been wonderful at guiding me down this horrible path. I am moving from    XXXX   XXXX    to    XXXX   XXXX   as soon as  this gets straightened out and my credit fixed. The people working at this company are not competent enough nor do they care enough to correct this issue. I have always prided myself on having excellent credit and I had no idea this was going on behind the scenes until recently. Who can get this corrected and restore  my credit score an d have this incorrect information removed from my credit report?
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

These account are still on my credit report was deleted last month. I have attached enough paperwork from my fraud alert and have sent them my paperwork. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$390.00} written off. {$390.00} past due as of XXXX 2016. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$460.00} written off. {$460.00} past due as of XXXX 2016. 
I also have a lot of inquiries I did n't authorize that are on there and are attached on letter enclosed. 

These are not my account an was used for fraud. And should be deleted. 

XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX BANK DELAWARE Account Number : XXXX .... Outcome : XXXX XXXX : XXXX XXXX, 2016
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I have never paid a bill late nor have i even not paid a bill. As you will see from the attached credit report. My credit has been pulled without my consent of knowledge XXXX times by XXXX on behalf of XXXX cornell and XXXX XXXX. There is no reason at all for them to pull this and I would like them to refrain from ever pulling again. I have never granted them access to my XXXX and they do not have permission to ever pull my credit. I am asking them to CEASE AND DESIST from ever accessing my credit report.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (NY)

I received 2 letters from equifax that stated they " furnished a copy of your credit file for employment purposes '', 1 letter has a company listed and the other just has a blank space where the company should be listed. I have not applied for employment and have worked at the same company for over 6 years. I have attempted to contact Equifax with no luck. 
I contend that Equifax has provided my credit file without my knowledge or permission. The letters also only list the XXXX XXXX letters of my XXXX name and not my complete, legal, XXXX name, making their records incorrect also.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

My husband and I are not able to file a dispute online or over the phone. I 've tried multiple times and every time it has said that my request can not be processed at this time. I contacted customer service and they keep telling me to call the number I had previously called. I refuse to send my personal information through the mail. I badly need to get my report corrected so I can be approved for a mortgage loan.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished with unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX ( XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : XXXX
Consumer complaint received 2016-04-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been enrolled in an Income Base Repayment Plan for a few years now with my federal loans through Navient. I recently submitted my recertification so I could continue to be enrolled in the IBR plan. I had not heard back from Navient so I decided to be proactive and give them a call. The first representative I spoke to said that I filled out the application wrong and as a result the application was denied. I demanded to speak with a supervisor. The supervisor told me that there was nothing wrong with my application and that she would push it through the process. This is unacceptable because if I had not been proactive my application would have been denied and I would have lost my IBR and would have seen my monthly payments go up over {$400.00}. This is not the first problem I have had with Navient and not the first time I have been given misinformation by their representatives. As a result of their negligence and misinformation I have seen my total loan balance with the company skyrocket. The company never once informed me about IBR plans, instead in the past they pushed me into loan deferments and forbarences that resulted in interst compounding and my loan totals doubling. I had to do my own independent research to discover that I was eligible for IBRs an lower payments. I have had nothing but years of problems with Navient.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been a student loan borrower for 10 years now and have been struggling with my payments since I had to leave college for not having enough funds to continue. Since then I have been through XXXX different job positions that have had nothing to do with my college education. I have been in deferment and forbearance multiple times because of my income based hardship. Even last year I was so desperate to bring my huge debt down that I found a loan forgiveness company, XXXX., and paid out {$600.00} and have yet to see any of my loans significantly decrease. I 'm sadden that it has taken this long and I have yet to put a dent in my ever interest growing loan. I have called Navient and XXXX multiple times to figure the situation out and I have only come up with giving up and paying Navient back. 

Currently, I 'm unemployed, not receiving unemployment benefits, and I just had a XXXX leave pay too. How is a person supposed to survive when my student loan payments are as much as my rent? I had to go on welfare just to feed my child. This is n't the life I thought I was going to have when I agreed to borrow money for school. I did n't know I would probably be going to my grave with so much debt. 

So now that you know my story and I 'm sure others, what can you do to help me? What can be done to help my situation of barely surviving in XXXX with a XXXX who needs me more than ever? 

Please do n't just ignore this email. Actually read it through. My story is n't too different from the million borrowers under you. We 're all struggling as a whole and all we wanted was an education to have a better life. Thank you for your time.