davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KS)

I was on military XXXX, copies can be provided, and cancelled my XXXX account but they continued to charge me and refused to acknowledge the SCRA. I disputed this charge with XXXX credit report agencies, but they refused to acknowledge SCRA. I disputed this with the phone company and with the credit bureaus, and have gotten no help, so I talked to my units legal counsel and financial counsel ( XXXX XXXX, XXXX, XXXX, you have my permission to ask them any follow up questions ) and they suggested I report this to CFPB before pursuing further legal action.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.
Consumer complaint received 2022-06-09
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXXXXXX XXXX XXXX  and Account # XXXX XXXXXXXX XXXX XXXX, and Account # XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

Navient and XXXX split my student loan between the XXXX companies. I owed one affordable payment, but after the split they both demanded an extremely high amount of money per month to pay. Numerous times I have tried to negotiate a more affordable payment per month. After I talked with their " financial adviser '' all they could tell me was to ask for help from my parents or someone to make the payments. They can not negotiate, nor do they understand my financial situation, and resort to harassing me and my family by calling relentlessly each day. Again, when I try to negotiate an easy payment, they do not come down in price. They give me an option to put my loan in deferral by paying about XXXX dollars to bring the loan up to date, then it goes right back to the obscene amount the next month and I start the process over again.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HANCOCK WHITNEY BANK (LA)

I was charged over XXXX in overdraft fees on items that were not considered " insufficient funds ''. For instance, a debit is presented for payment at the bank and on the same day a deposit is also made. This bank " holds '' the deposit to allow the debit to go through first and then charge me {$35.00} per transaction. This is an ongoing, banking business practice used to fleece unwitting patrons such as myself. This common practice with banks is " business as usual '' to extract additional funds from the consumer and cause extreme financial difficulty.
Consumer complaint received 2022-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XXXX refused to provide me with a copy of bank statements and mortgage statements. After online act, system asked me for a code, I accidentally closed it from my phone. Went back online at least 10 times & received error message " We are unable to complete your request. Please call us at XXXX to confirm your identity '' I called the number as I can provide phone records, at least 8 times. Its a failed system, all reps transfer you back to the same dept XXXX. They leave you on hold OVER 30 min and I got disconnected, a system SET UP TO FAIL. I called the wrong dept as this is how I was able to get a live person in requesting for statements but gor apply for mortgage dept, I spoke with XXXX as she asked me : WHY do I need statements '' I said its none of your business and you have NO RIGHT TO ASK ME the reason and out of compliance. CFPB, WHY does this bank think they can say whatever they want and continue to violate my rights? Is it because you ALLOW them to? Do I need to file a complaint against CFPB? WHY do I have to spend HOURS to get statements that I have every right to request for. WHY? XXXX transferred me after full verification along with having access to my personal act info, after on hold again and she then hung up and never called back. TODAY XXXX AGAIN SAME EXPERIENCE, spoke with XXXX and XXXX as she hung up after requesting copy of statements, she was well aware how I was getting the run around back to XXXX #, they transfer you to XXXX same recordings just a different no, this is the intentional game they play. I even informed her that I WOULD file a complaint with CFPB, as XXXX thinks that this is a game. Refusal to assist and I feel they need to apply {$500.00} to my checking for refusing to assist me. -HOW MANY HOURS AND DAYS TO I NEED to spend to get copies of statements?
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (MI)

XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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 previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NJ)

I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

I was recently sold from XXXX XXXX XXXX to seterus. I was supposed to receive a welcome packet by XXXX XXXX, and have not received anything! I do n't want to be held in default for payments when I have no information or loan number to send it to!
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX
Consumer complaint received 2016-10-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TN)

I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (AL)

I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

I complained to the CFPB regarding the Enhanced Recovery Corporation ( a collection agency ) and XXXX ( a cellphone company ) in XXXX of XXXX ( see case # XXXX ), because Enhanced Recovery was trying to collect a debt ( on behalf of XXXX XXXX that did not belong to me. In fact, the debt holder 's address and date of birth were different from mine ... the debt holder only shared my first and last name. Thankfully, this case was resolved successfully in XXXX of XXXX, with Enhanced Recovery admitting that my name was flagged due to " matching names '' and that I was not the debt holder ( see the response of Enhanced Recovery at that time ). Because the collection was removed from my credit accounts in XXXX of XXXX, I thought the case was over. However, I received a letter from ERC on XXXX XXXX, XXXX about another XXXX debt for another person who shared my first and last name, but lives in XXXX, GA and who established a debt with XXXX in XXXX XXXX. ERC also states that they do not have a current date of birth or social security number for this debt holder. I have never lived outside of the state of NC, and do not have an account with XXXX. To be clear, ERC is again trying to collect money from me for the debt account of someone who shares my first and last name, but nothing else ( i.e., ERC has different demographic information and no SS number for this person ).
Consumer complaint received 2016-03-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (KY)

I got a internet pay day loan for {$400.00} in XX/XX/XXXX and it charges a finance charge of {$200.00} per month which is not applied to the loan at all. This was not explained to me. So, I have now paid {$800.00} in finance charges soon to be {$1000.00} in XX/XX/XXXX for a {$400.00} loan and none of the {$800.00} that I have paid is applied to the loan. In order to payoff I have to pay the {$400.00} loan amount plus the {$200.00} finance charge. So, if I had the additional {$600.00} to pay off now I would be paying a total of {$1400.00}. The original company was XXXX but now they have changed name to Big Picture Loans.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (AL)

I received an email stating that my credit score went down XXXX points and its from this company called AR Resources and last year the same company lowered my credit score saying I owe money and then I received a report saying that my debt was paid off and now they are trying to charge me for what? I havent been to the hospital in a good while now. I did go this year but it was for my mom she was not feeling well and I accompany her to the hospital. Im not sure what is going on or why they are charging me when supposedly the debt was removed back in 2021?
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.