davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SIMM Associates, Inc. (NY)

This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

Greetings, On XXXX, l requested a modification, due to being effected financially by regards to XXXX, and attempting to return from forbearance with balance {$94000.00}. I was approved for a trial payment starting XXXX, 2021, over {$4200.00} dollars .... l called loancare customer service requesting a lower payment because of my current issues : taxes, home renovation, medical issues, absconding tenant and pending lawsuits... The customer service REP. Suggested that l request, my Right to Appeal, that they should be open minded because of Pandemic, possibly to : extension of term, placing outstanding balance at end of loan, or lowering interest rate. I exercised my right to appeal and submitted the proper paperwork before XXXX, however never received notification regarding process/ruling until l called for update. I was then told ( disingenuously ) l missed my trial period, my Appeal was forwarded to XXXX XXXX and denied further, if l wanted help at this point submit all modification paperwork all over again.. l requested why wasnt l notified of Appeal procedure/deadline, and can l attempt to make prior trial payment, the response was, NO. It was too late nothing she could do and laughed... .l am now expected to make the full payment they even charged me late charges during this forbearance period NYS Foreclosure/Forebarence Moratorium ends XXXX. So, on XXXX, l submitted another modification package as instructed. Two modifications and one Letter of Appeal, cant believe this treatment its horrible... There are three different companies involved : LoancareXXXX . What kind of treatment to clients is this during this Pandemic... .l have a long term relationship with this home and plan on continuing .....
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

Navient is hiring part time employees and giving them access to sensitive information. These part time employees are then copying customers personal information and using it as a tool to threatened their customers. Navient have an employee by the name of XXXX XXXX who gained access to my information and informed me by reciting the last 4 numbers of my social that she knows my information. She also said that I do n't know what she is capable of. I have XXXX XXXX who lives with me and being that this person has gained access to my personal information I know feel that my safety and my daughters safety is in Jeopardy. I spoke to a police officer about my concern and was told that since does not fall under the domestic violence umbrella there is really nothing I can do which explains why I am reaching out to you for your assistance. Please help put a stop to this.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

-XX/XX/XXXX Divorce : Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation XX/XX/XXXX -XX/XX/XXXX : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' ( XX/XX/XXXX ) owed is {$4100.00} -XX/XX/XXXX : Ex-spouse and new husband file bankruptcy and include " Account '' on it -XX/XX/XXXX : I find out about account past due balance and bankruptcy.  Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with XXXX, Experian, and XXXX  regarding the " Account ''. XXXX has deleted it from my report. Provided additional information and details in writing and online to XXXX & Experian, with no result of deletion from my Credit Report.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NV)

I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC (GA)

Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. XXXX XXXX
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
<P/>
At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CO)

There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (CA)

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX  XXXX XXXX XXXX - Account type- Installment Account. **i am disputing this account for inaccurate information. I had sent a letter on XXXX/XXXX/XXXX to XXXX XXXX XXXX, did not hear back from them. I then received my letter returned from post office on XXXX/XXXX/XXXX, undeliverable to XXXX XXXX XXXX stating the creditor address was not delieverable as they no longer do business there. On XXXX/XXXX/XXXX, I sent a wrong address to Experian stating that the address that Experian has on my credit file for XXXX XXXX XXXX WAS inaacruate and that they need to remove XXXX XXXX XXXX IMMEDIATELY FROM MY CREDIT FILE, I have not heard back from Experian or XXXX XXXX XXXX and as of XXXX/XXXX/XXXX, XXXX XXXX XXXX is still reporting on my credit files. I want this deleted immediatly from all my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hi i have sent to experian via certified mail XXXX/XXXX/XXXX and also the dispute process on line including this attachment from XXXX XXXX  XXXX. XXXX XXXX XXXX sent me a letter stating that they would move XXXX inquiries from my account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian has only removed the one from XXXX XXXX XXXX .. it has been more than the 30 to 60 days specified from XXXX XXXX XXXX and i have also contacted XXXX XXXX XXXX and they told me they have submitted the info to experian and it is their fault if they did not remove it and I must go through them. So i repeated my mail and dispute online a second time to them just but i do not think they are going to do anything since they have not the first time. the inquiry is inaccurate and needs to be removed but they will not remove it even though i have attached the letter from XXXX XXXX XXXX and XXXX XXXX XXXX also contacted them. so please let me know if you can help. The phone number experian supplies only gives u info on how to submit online or by mail they do not speak to you directly so it is very difficult to get help.
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

XXXX   XXXX   Divorce :  Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -  XXXX   XXXX   XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' (  XXXX   XXXX   )  owed is {$4100.00} -  XXXX     XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with Equifax,  XXXX , and   XXXX    regarding the " Account ''.  XXXX  has deleted it from my report. Provided additional information and details in writing and online to Equifax &  XXXX , with no result of deletion from my Credit Report.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IL)

I opened my account under the terms attached in the email below. I was inquiring about my {$400.00} bonus for weeks, only to be told to wait 120 days. After I waited 120 days, I was told my account was inactive. My problem is that not only did I not receive the bonus, but i had no way of knowing that my account was inactive. There is no notation tion on my statements, No email, no letter.     Also, the terms of the offer indicated that the account had to be opened. It did not specify that it had to be active
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is being serviced by Fay Servicing ; so all of my supporting documents were forwarded to Fay Servicing for their underwriters to ultimately approve getting me a mortgage modification. Over the years, their requested documents were sent multiple times as they became out dated due to the long review process. I was forced to file for suggestions of Bankruptcy to stop previous Foreclosure Sales giving Fay Servicing more time to work with my case, until the Court issued an injunction which prevented me to save the house. On XXXX/XXXX/XXXX the specialist I worked with had called to request more documents and on XXXX/XXXX/XXXX, the house was sold in a foreclosure sale. I believe the Bank was not in compliance when they sold the house while the documents were being underwritten. Please help me, CFPB.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (OK)

This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX