davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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. (PA)

Hello, thank you for looking a my complaint. Equifax and XXXX done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) on the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

I received an a credit report and noticed things on my report that were not authorized by me. After researching on XXXX I found that the Credit Reporting laws allowed for me to make a dispute under the protection of the FTC identity theft affidavit. I followed the instructions of the FTC and submitted a dispute with Experian regarding fraudulent items found on my credit report. After waiting 30 days giving Experian ample time to remove the items the came back with a report that says updated. 

Its my understanding that Experian only has 5 days to block the items from my report. It is awfully frustrating to say the least that these credit reporting agencies do not have to follow the law. 

I am submitting this complaint because I just dont know what to do to resolve this. Please hold Experian accountable.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Experian is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. XXXX XXXX XXXX turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Experian seems to want to listen to me. The worst part is that XXXX mortgage companies are listing XXXX days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Experian to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX XXXX XXXX
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WI)

I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, 2015 I went online to EXPERIAN and thought I was taking advantage of a Great {$1.00} DEAL to see my Credit Score? While that deal was visible in a LARGE font, BURIED somewhere on that page in tiny print apparently was some nonsense about a subscription and a {$21.00} recurring monthly billing charge? Neither I nor I 'd imagine tens of thousands of other consumers are EVER aware of this subscription service and monthly credit card charge UNTIL it 's too late and they are stuck on automatic billing? To be VERY Clear, I did not seek nor intend ANYTHING other than a {$1.00} charge to my credit card for seeing my credit score on that day, I had NO IDEA of any additional financial commitment on my part. And ANY company doing business like this needs to be XXXX, this is an outright intended and deceptive, despicable business practice essentially " Tricking '' consumers into a monthly charge for a service they were n't aware of NOR Ever INTENDED to activate? I FINALLY Canceled the UNKNOWN subscription service, but of course they refuse to credit the {$21.00} service charge. I wonder how much money they 've 'snookered ' from others, I 'd bet its MORE THAN ENOUGH to Pay a HEAVY Fine to the CFPB! This is a SCAM, and made even worse given this just XXXX of XXXX ( XXXX ) MAJOR Consumer Reporting Agencies?? I 'd note these Credit Reporting Agencies still have n't suffered any COSTS, FINES or PAIN for their extensive involvement in the Housing Collapse and Financial Crisis? Please help me get my {$21.00} credited back and PLEASE make them add something BIG & BOLD, something that helps other HONEST CONSUMERS avoid this scam. Thank YOU!
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

The story began when the guy a the XXXX dealership in XXXX sold me an extended warranty agreement without discussing any details for a much higher amount than prevalent in the market. This I found out the day after I was practically tricked into buying the warrant. I mean tricked because they did not even inform me that for the first 90 days and XXXX miles of the car are already covered. Now they are giving me credit but without adjusting the sales tax of {$160.00} and although Ally ( Financial Group of XXXX XXXX has sent me the revised repayment document, when the bank that I work with ( XXXX ) approached them for refinancing, they are claiming that their records will not be updated until another 10 days. This is also the date when my first installment is due. I believe the are planning to either charge me penalty for nonpayment or induce me to stay with them for the loan. The whole deal was crooked with the XXXX salesman promising to reimburse me for a second key if they could not find the duplicate and then later backing out saying they did not make enough money on the deal. They should have thought of that when they made the promise. 

I strongly request an urgent review of this matter so that I can proceed with my refinancing and not be liable for any penalty or other charges by Ally. 

I also request a review of the sales collection and refund procedures of Ally so that other innocent customers who do not fully understand these matters are not cheated.
Consumer complaint received 2020-06-20
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Parnell & Parnell, PA (AL)

Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Choice Recovery, Inc. (OH)

I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (OH)

visited the free credit report website and then proceeded to the Experian site where I was told that I must make a {$1.00} refundable deposit, When I did so, foolishly, I was deceptively signed up fr a credit monitoring service. It wa not my undestanding that this was nautomatic ad that I had to physically cncel XXXX service =, ecause this was done wthout my knowledge, I did not cancel aything until I recived a charge on my checking account for {$2.00}. I di cal and complain but was told. too bad.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

Student loans being reported by XXXX XXXX, Navient, XXXX XXXX XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (DE)

XXXX from Simm Associates out of XXXX, DE. He demanded the last XXXX of the SSN before identifying himself. We finally got him to use an alternate ID. Then he identified the himself and what company he worked for. He told her the debt and ask what for type of payment for debt. We informed him that we were not able to pay it at this time and to have a nice day with that we ended the call. He called right back and when I answered the phone I asked his name and what company he was working for he hung up on me. I called the number back and he answered the phone with " This is XXXX and you have reached SIMM Associates ''. I said so XXXX with SIMM Associates that was n't hard. XXXX then starts shouting at me saying you man enough to call me back then be man enough to pay this bill. I told him that I was filling a complaint and he said he did n't care so I hung up.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

My credit card was charged 2 times by a company called XXXX. I disputed both charges with the credit card and the credit card ruled that I should have to pay XXXX because XXXX offered to refund XXXX charge. I never agreed with XXXX 's pay 1/refund 1 offer and was never told why both charges were not refunded. In the dispute itself, I made a downpayment for 2 XXXX XXXX tours that were both 6+ months away. Several days later, my wife called and wrote many times to ask for a refund for both 2 tours. XXXX never provided any service or value for my money and only reserved the XXXX tours for XXXX business days. I should get a full refund for both tours OR I should be shown where it is written that XXXX may keep my downpayment in this circumstance.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AL)

I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.
Consumer complaint received 2017-01-19
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)

There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. 

When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. 

Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. 

Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! 

Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. 

Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt?