davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (WA)

We are paying XXXX loans for my daughter - all of which were set up for automatic payment. We recently changed our bank, and had to change the automatic payments. From the Sallie Mae Website, I was unable to change the bank account information, so I called them. After a 10 minute wait, I reached a representative, who informed me that I had to first CANCEL the existing auto withdrawals, wait 3 business days for the cancellation, " wait an additional 3 days to just to be sure '' and then enter the NEW information. This caused us to be past due on XXXX of the XXXX loans ( XXXX did n't get cancelled - not sure if that was my mistake or Sallie Mae ). 
As a result, I have received a total of 9 calls from their " robot dialer '' - several on Sunday, when their " customer service '' was not even available. The accounts are now current ( paid today electronically on their web site ) ; but, I still ca n't set up the new automatic payment until the checks actually clear.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (OH)

Once i graduated i was not aware of all the Loans that i took out for School. A couple months after graduation i started receiving phone calls from Sallie Mae saying that i am past due on my balance. I first checked with the school to ensure that i did in fact take out this loan that was about {$7000.00}. Once i confirmed that i did i set a payment plan up with them. I was to pay {$700.00} for the first XXXX payments to catch up. My first payment was taken out of my bank account from Sallie Mae so i did n't think anything was wrong. I then got a phone call from a bill collector referring to the loan. I told them that i had worked out a plan with Sallie Mae and they had already taken the first payment. The bill collector said that i was to pay them due to Sallie Mae contacting them. I started paying the bill collector until i could reach out to Sallie Mae and figure everything out. It has been a little over a year and when i call them they say they are working on it and someone will call me back. I still have not heard back from them and this is ruining my credit. I still continue to pay the bill collector hoping that i can get this all figured out and restore my credit.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VT)

I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EQUIFAX, INC. (FL)

I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC. (TN)

My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home XXXX.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (NC)

Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (NJ)

We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Seterus Inc. did not apply my clearly stated " Principal only payment '' correctly, resulting in me paying several hundred dollars extra in interest. After several attempts to correct this issue, they told me there was nothing that they could do about it, even though they admitted it was their fault.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I discovered in XXXX 2015, when a low-balance credit card application was denied, that I am the victim of major identity theft. I placed fraud alerts and security freezes with all three of the main credit reporting bureaus. I also requested detailed copies of my credit reports. XXXX and XXXX eventually sent copies ; however, Equifax refused to send me a copy, because I could not answer their " security questions. '' I could not answer Equifax 's " security questions '' about mortgage loan amounts, or installment loan amounts, because those amounts were not mine! I contacted Equifax by phone, several times. I also contacted them via facsimile. I believe CFPB was able to get XXXX Equifax copy for me XX/XX/XXXX or XX/XX/XXXX. However, I need an updated, XXXX 2015, Equifax detailed report, so that I can officially dispute all current fraudulent items. ( Due to XXXX, I had to put all of this on hold. ) I still need to know the name of all of the loan companies in the Equifax report, & what kind of documents the thieves used to open up the fraudulent accounts. 
Equifax 's phone system is a nightmare ... they just keep referring you to other phone numbers. I need the CFPB 's assistance, once again, in obtaining a copy of my detailed Equifax credit report.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CT)

I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I submitted a written request ( attached ) requesting unauthorized Inquiries be removed from my credit file from Equifax on XXXX/XXXX/16 ( see attached letter ). They refused to remove the Inquiries. See their written refusal letter ( attached ). I do not recall authorizing these Inquiries. I also called twice and spoke with representatives of Equifax, they also refused my request to have the unauthorized Inquiries removed. Thank you.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX