davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Sallie Mae sold my student loans to XXXX. When this happened my Sallie Mae loans were transferred to XXXX, so I then sent payments to XXXX. However, on ALL of my credit reports XXXX companies are reporting on the loans and on late payments. So rather than having XXXX late payment for a student loan, I show XXXX for every late payment I have ever had. This DOUBLES the number of late payments on my credit reports which is completely inaccurate. I do not think it 's fair that Sallie Mae and XXXX can both put marks on your credit from the exact same loan. I want this fixed. There should only be XXXX company capable of reporting on the student loans. Allowing XXXX companies to report to the bureaus on the exact same loans makes for inaccurate reporting and greatly impacts my credit scores.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED (GA)

I had a medical bill with XXXX in XXXX, IN. That medical bill was paid in full on XX/XX/2014. XXXX contracted XXXX separate credit agencies to place XXXX reports on my credit. XXXX report XXXX XXXX. XXXX XXXX shows the correct amount of {$80.00} as XXXX. The second report ( XXXX XXXX XXXX XXXX shows an incorrect amount of {$220.00} as Paid. The third report ( XXXX XXXX shows an incorrect amount of {$290.00} as Paid. Attempts to contact XXXX from billing at XXXX resulted in unreturned phone calls.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

disputed with equifax and was removed and then reinserted. i wrote to court cause i did not file bankruptcy in XXXX, XXXX and XXXX and ask could be a computer error. They responsed that they do not verify or validate those bankrupty. ( see attached )
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I have disputed with Equifax since XX/XX/XXXX about an inquiry made on my credit report with out my authorization by the company XXXX for adt services. I filed a total of 2 disputes with Equifax - XX/XX/XXXX and XX/XX/XXXX both of which are still pending and well past the 30 days required for investigation. This company had a representative that used my social security number without my permission to run an inquiry on my Equifax report for which I have filed a police report and complained to the company about numerous times. I have been in communication with XXXX at XXXX who keeps claiming to have sent requests to Equifax to have this inquiry removed from my report. Although I feel like it is quite possible that XXXX is lying to me about this and possibly have n't done anything I have in writing by email where she claims that she has. And yet Equifax still refuses to remove the inquiry from my report from either XXXX at XXXX 's requests or through my own requests via disputes and the 30 day investigation require- ment. I have been in contact with Equifax today and they have again told me that they will not be removing the inquiry unless they receive electronic request from XXXX XXXX, even though the dispute is still in pending status well past the 30 day period. So my complaint is against both companies as they are both giving me the run around and both have dropped the ball.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By law I have a right to the identity of the verifying entity as the Bankruptcy Court has confirmed that they did not verify by documentation. The credit agencies have stated that the information is " VERIFIED '' is verified by the origin. THE ORIGIN IS THE BK COURT. The attached document confirms that the information stated by the agency is FALSE!!! The credit reporting agency says I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am requesting that the CFPB advocate for me in this challenge.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IL)

When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MS)

MY CREDIT CARD COMPANY WILL NOT GIVE ACCESS TO MY ACCOUNT. I I NEVER RECEIVE PAPER STATEMENTS TO CHECK ACTIVITY I HAVE TRIED TO REPORT {$3100.00} IN FRAUDULENT CHARGES THEY WILL NOT ACKNOWLEDGE OR RESOLVE THEY WILL NOT PROVIDE ME WITH ANY STATEMENTS THEY WILL NOT GIVE ME ACCESS TO ONLINE ACCOUNT THEY HAVE REFERENCED XXXX DIFFRERENT ACCOUNT NUMBERS WHEN SENDING EMAILS. 
I AM NOT ALLOWED ACCESS TO ANY OF MY INFORMATION. 
THEY APPROVED UNAUTHORIZED CHRGES MADE OUT OF COUNTRY WILL NOT ANSWER ANY OF MY QUESTIONS REGARDING MY ACCOUNT THEY RE-OPENED CLOSED ACCOUNT WITHOUT MY KNOWEDGE HAVE OPENED NEW ACCOUNTS WITHOUT MY APPROVAL IGNORED ATTEMPTED CHARGE DISPUTES WILL NOT PROVIDE ME A TRANSACTION HISTORY WILL NOT ASSIST WITH ACCOUNT LOGIN INFORMATION DID NOT RED FLAG SUSPICIOUS ACTIVITY
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NC)

I have sent many of the same and to date, not a thing has been done. I am now wondering why these governmental agencies are put in place if they do not help the people. Let me try again. Perhaps I will reach someone with integrity who is astute enough to make the necessary corrections. Experian credit bureau is totally 100 % out of compliance. The statue of the credit bureaus negligence should be enforced. I have in my possession a copy of the disputes and the items that were deleted. Experian for some reason wants to put these items back on my report. My intelligence and the statues of the FCRA and FTC states that can not be done. Once an item is removed, it stays removed. Can someone please answer me and tell me why these items have allegedly come back out of an investigation and they now remain. For your viewing pleasure, I have attached a copy of the documents sent to Experian. Being the the CFPB does n't do much, I am not confident I will receive resolution by filing a complaint here. Every complaint in the past with which I know other people in the general public have complained about to have gone unanswered or ignored. The accounts in dispute are the same ones that have been in dispute since XXXX. Also, Experian changed the date of my fraud alert and freeze alert from XXXX to XXXX! I believe I made a complaint in regards to the same and yet again, nothing has been accomplished. I is the worst thing to deal with a government agency that could care less about the citizens of America. Evidently, with the latest events being the election, it can only get worse. My complaint is with Experian credit bureau, items that were previously deleted are now showing again. They have been provided documentation that they are lying and saying they never received. I mailed them and also e-mailed them. I am not confident that this will remedy the situation. I have filed complaints about XXXX XXXX XXXX which were 100 % ligament complaints referencing all the money stolen from my personal bank account. A package was mailed as proof the the CFPB ... ..Nothing got resolved. The OCC decided they would n't take my evidence into consideration whatsoever. It 's all about the corruption in the government entities. In every aspect. XXXX stole thousands on top of thousands as well ... .Again, nothing done. I know for a fact several people have filed complains against all XXXX of these companies and of course nothing enforced. I often wonder why statues are made. They in no way take precedent over anything! Experian needs to fix my report immediately and provide a new report. I also request my freeze lift code and they never mailed it to me. America ... land of the free and home of the brave ... ... not in my world
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CT)

I disputed my negative accounts with Equifax. They deleted my accounts that were in good standing in the process. I then called customer service to request that the good items be put back on my credit report. They said that they would n't do it and were very rude to me on the phone. They deleted over 10 years worth of my credit history.
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (AZ)

They Threaten to arrest, and receiving at least XXXX calls a day for several months. I programmed my home phone to block the call but the phone calls still ring. We have not received any of their letters in the mail. Their phone number is XXXX.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AZ)

I asked for a deferment as I am the sole provider for XXXX children and only have a XXXX job. I work 32 hours a week and make XXXX per hour. I ca n't afford my student loans right now and they denied it but the other student loan company that I have student loans from approved my deferment. I do n't understand why. I went to the XXXX when I incurred these loans and I do not use the skills that I obtained there. I went after a XXXX degree in accounting and use those skills now.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (CO)

In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to XXXX XXXX to dispute my debt. XXXX XXXX stated on my credit report that the loans were written off by the government but then they were bought by Navient and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (HI)

I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-03-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (NY)

I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

On  XXXX   XXXX ,  XXXX  I contacted chase auto finance regarding my  XXXX   XXXX   XXXX  financed through them. At that time I called to confirm what payment needs made to avoid charge off and the last day to make it. The rep advised that the payment was {$640.00} to avoid charge off and I can make a payment on Sunday  XXXX  via  XXXX   XXXX  or  XXXX . Meanwhile chase bank charged off my account on Friday  XXXX  the same day that I called and did not advise of this. They allowed me to send a payment on  XXXX  and did n't advise that it was charged off on  XXXX  and lied and said I had until  XXXX . I needed until Sunday so my paycheck was received Saturday in the mail to cash it and that is the only reason why I had to wait to Sunday. Meanwhile they received {$640.00} from me on Sunday but still have my account in charge off.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.