davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OK)

I XXXX with my XXXX degree in XX/XX/XXXX. I 've had to defer my loans a couple times due to financial hardships. But for the most part, I 've paid steadily for 14+ years on my original debt of {$37000.00}. In XXXX, I went to graduate school which stopped my loans for 2 years, while adding about {$27000.00} in student loan debt. I 've paid on them from XX/XX/XXXX to now, deferring once when I moved overseas for work. At the time of graduation in XX/XX/XXXX, I consolidated all my loans into XXXX : XXXX and XXXX school at a 4.5 % interest rate. I recently checked up on my loans. According to my provider, I 'll be paying on them till XX/XX/XXXX. The amount I will pay according to their time frame from XX/XX/XXXX to XX/XX/XXXX, will be an additional {$73000.00}. My question is : " What happened to all the money I 've paid on the loans? If my crude calculations are correct I will have been paying on my loans for 30 years at the tune of nearly {$200000.00} on XXXX loans for {$64000.00}. Is this correct? Or when my loan company sold my loan to another provider last year, something seriously got messed up? I 'm overseas still for work, and spending hours on the phone in the middle of the night does n't sound like fun to me. Especially, if this is legit and I should n't be complaining. Thanks!!
Consumer complaint received 2017-03-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

Navient has outrageous interest rates. I was on the income driven plan that paid {$230.00} in interest only payments. The only reason they made a deal with me was because I was late on a payment or two. I tried calling previously and said they would n't be able to do anything for me because I could pay the {$500.00} a month payment. In order for me to get a lower payment, they extended my loan term to 40 years. There is no way I will be able ever pay off my student loans. It 's cheaper for me to stay in school at least part time than it is for me to repay my student loans.
Consumer complaint received 2017-03-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our XXXX and wired {$15000.00} to his Chase account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.
Consumer complaint received 2020-06-20
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. (GA)

On XXXX XXXX I open a dispute with Equifax. In the dispute I requested Equifax to investigate 3 accounts that are being displayed on my credit report. The accounts in question are as follows : All accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Under federal laws and FCRA guidelines Equifax was given 30 days to verify/validate the accounts or they shouldve been removed. It has now been nearly 3 months and those accounts are still under investigation.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to me.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (PA)

My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have disputed Equifax 's reporting of XXXX XXXX AS INACCURATEAND INCOMPLETE WITH SPECIFICITY AS TO WHAT IS inaccurate on at least XXXX occasions.XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX CONFIRMATION # XXXX, AND XX/XX/XXXX confirmation # XXXX.XXXX IS A CLOSED ACCOUNT yet willnot report a close date leading to others to believe upon receipt of Equifax reporting that the account is open.XXXX XXXX REPORTS A LAST PAYMENT AMOUNT ANDSCHEDULED PAYMENT AMOUNT OF XXXX.these are obviously erroneous on their face. 
the lack of detailed reporting obfuscates Equifax 's and XXXX colluded extortionof illegally excessive fees contrary to XX/XX/XXXX CREDIT CARD ACT. 
EQUIFAX , ALONE CAN NOT REPORT INACCURATE OR INCOMPLETE INFORMATION '' ON THE FACE OF THE RECORD '' WITHOUT BEING IN VIOLATIONOF FCRA regardless of creditor verified reporting.I WILL LITIGATE PRIOR TOSTATUTE OF LIMITATION ALLOWANCES.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (MT)

IRS contacted me about breech of 2015 tax document involving my SSN and said I could get a year of credit monitoring for this problem caused by their agency. I contacted Equifax for myself and have had no luck getting them to help. They say I have not proven that I am who I say. I submitted documents with my driver 's license and last year XXXX form along with a cover letter. After 7 phone calls, I can not get past the " protocol '' of the phone answering people who are completely uninterested in the incident # or promo codes that I have been given by the IRS to deal with this matter. I find their company cumbersome and disorganized in their phone interactions and I had similar problems trying to do this online. I want an informed person who speaks decent English to contact me so I know that my sensitive material that I have given to their " phone answerers '' is not making an even bigger problem and that I have the help the IRS says they are to give. Thank you
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

XXXX # XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 
This which you DECLINED. I sent info for Exquifax or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 
If they had investigated properly, no XXXX system thank you, they ( Third Party Collections Companies ) would have known, that these accounts were not accurate.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

In its " Explanation of closure '' for Case number : XXXX on XXXX/XXXX/2016, Equifax stated that " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX Bank XXXX account number XXXX has been verified as reported with your Name, Social Security Number and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the Data Furnisher directly at XXXX XXXX XXXX XXXX to request copies of the documents they provided for verification of the account. Written confirmation has been mailed to you. '' In its " Response '' to Case number : XXXX Equifax further states, " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' A copy of the results of Equifax 's reinvestigation are attached ( " Results '' ). 

Although XXXX XXXX immediately removed the account when it received a copy of the court judgment, Equifax failed to do a reasonable investigation and remove the incorrect account information. Because of this, I am requesting copies of any and all documents or data provided by XXXX XXXX to Equifax between XXXX XXXX, 2016 and the filing of this Complaint. 

Please provide me : 1. Any and all records related to its investigation of my dispute, including all communications ( such as XXXX. ) between Equifax and XXXX XXXX. Including any and all documentation relied on by Equifax to ignore a court judgment in my favor on the alleged XXXX XXXX account ( if such information exists ). 
2. Immediate and permanent removal of XXXX XXXX account # XXXX XXXX XXXX XXXX from my credit file. 
3. A copy of my complete corrected credit file - not just a credit report, the *complete* file. 

Please note that eventually XXXX XXXX responded to my CFPB complaint by removing the alleged debt from my credit file. See attached letter. ( " XXXX XXXX Letter '' ).
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (AR)

On XX/XX/2015 I reported to Equifax the following, recorded XX/XX/2015. You 'd think SOMEONE with a working brain would have fixed it XXXX IN XXXX AS FORMER RESIDENCE IS NOT TRUE I AM FILING A LAWSUIT ON XX/XX/2015. Fortunately in spite of their incompetence, I was able to get the home loan. But this false identity theft address is STILL on my report after 2 years!
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (HI)

I have all these XXXX address on my report and live in XXXX. I have never been to XXXX, none the less lived there. There could be used for Identity theft and I would like them removed since they do n't even belong to me in the first place.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (DC)

Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and XXXX.