davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Consumer complaint received 2017-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MA)

I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AR)

I submitted a dispute on XXXX XXXX, 2016 via fax with Equifax. I also sent in a photocopy of my drivers license as requested. I recently received a letter dated XXXX XXXX, 2016 advising me the identification information I provided does not match their records. 
The items I disputed are XXXX XXXX XXXX XXXX this account is reporting both open and also collection charge off which is reporting inaccurately. Outcome desired I have never been late. Please remove from my credit report. 
Department of Ed XXXX XXXX accounts are reporting closed with a XXXX bal which is correct but are reporting missed payments which is incorrect. Outcome I have never been late on either account please remove from my credit report. 
XXXX XXXX XXXX accounts are reporting missed payments. Outcome I have never been late on either of these accounts. Outcome please remove from my credit report. 
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NV)

In XX/XX/2016 I ordered my report from all three credit agencies, however, one agency in particular has refused to provide me with any kind of updated report or investigation results. After filing disputes with Equifax they began asking me for more proof of my identity which I continued to provide each time I either filed or responded to one of their disputes. I also called them on the phone multiple times and was unable to get them to cooperate. To this date, I have not received a response to any of my requests.
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I disputed an account that is not mine. I am not liable for this XXXX XXXX account. Once I received the response I then called and they simply said they ca n't do anything else. I should solve it with the credit card company. I beleive I should n't have to do this. In some form they should also protect my rights as a consumer. 

Thank you for any assistance in this matter.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax is reporting and inaccurate XXXX XXXX XXXX Bankruptcy on my credit report. I have disputed this numerous times and I have also provided a letter from the clerk of court that stated they do not verify information with the credit bureaus. Also it indicates that they verified through a third party company called XXXX which is a violation FCRA, XXXX XXXX, paragraph ( XXXX ) ( B ) ( iii XXXX regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' XXXX reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX. 
Lastly I have a freeze on my XXXX XXXX profile so it was impossible for them to verify such information. Attached are documents to validate my statements.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.
Consumer complaint received 2017-01-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST MIDWEST BANCORP, INC. (IN)

On XXXX XXXX, XXXX, I wired {$8600.00} to a XXXX XXXX XXXX account. It was posted XXXX XXXX, XXXX but the receiver advised me that XXXX XXXX wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and XXXX XXXX since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with XXXX XXXX. Their representative told me that no one had access to the money and XXXX XXXX was still looking into the situation. As of XXXX/XXXX/XXXX, I have not heard from XXXX XXXX.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Consumer complaint received 2016-07-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

On XXXX/XXXX/16 I was approved for a {$500.00} loan via Big Picture Loans. I was informed that there was a finance charge of {$170.00}. Everything that I was told indicated that this was a ONE TIME charge that would be paid with the first installment payment of {$170.00} on XXXX/XXXX/16. It was my understanding that {$170.00} would be debited from my checking account until the loan was paid in full. {$170.00} was debited from my checking account on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I recently checked my balance and saw that it is still {$670.00}. Customer service informed me that the {$170.00} debit was only a finance charge and that no principal had been paid. This is outrageous. I paid Big Picture Loans {$700.00} in interest with no impact on the principal. I was completely misled. Having taken out the occasional payday loan in the past, I was totally taken by surprise as this has never before happened. This operation should be illegal. 
Thank you for your help, XXXX XXXX
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (PR)

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have a Tax Lien on my Equifax credit report maintain under my social security reported by the XXXX Recorder 's Office. I have contacted the Recorder 's office and I do n't have a Judgment legal item. The Recorder 's office stated to me that they do n't provide information to credit reporting agencies, nor do they ever validate a public record due to privacy laws. On XX/XX/XXXX I received a letter from the Recorder 's office advising me to contact Equifax indicate on my letter to clear out my Federal Tax Lien. On XX/XX/XXXX,XX/XX/XXXX I sent Equifax certified letters asking them how did they validate and verified this public entry record with the XXXX Recorder 's Office and to please permanently delete this Public Record immediately along with a copy of the letter from the Recorder 's office. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts /public records you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I received a copy of my credit report Equifax on XX/XX/XXXX stating the tax lien information has been verified. I sent another letter on XX/XX/XXXX to Equifax asking them to provide the name, address, and telephone numbers to each person contacted at the XXXX Recorder 's Office and I formally requested a copy of any documents provided by the Recorder 's Office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. On XX/XX/XXXX I sent Equifax another letter certified along with a copy of the recorded lien withdrawal certificate from the XXXX. I have reviewed my Equifax credit reports from XX/XX/XXXX,XX/XX/XXXX and Equifax still reporting the TAX LIEN I requesting this information be permanently deleted from my credit report.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX ( XXXX ) XXXX has appeared on my Credit Reports with all XXXX Agencies for over 8 years. They keep re-aging the info to maintain item on my reports. Equifax Business Affairs after looking at the details took it off my Report last month and XXXX put it back on this month. The account dates back to XXXX and first appeared in XXXX. I have been fighting them for over 7 years. If you go to my Credit Reports now they currently claim I made a payment in XXXX of XXXX. I have never made a payment to XXXX. No 81-Month Payment Data available for display and the balance has n't changed since XXXX. In addition they have not been in business for over 5 years as they were acquired by XXXX. It is my understanding accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. I believe XXXX is guilty of Fraud and XXXX of the Credit Reporting Agencies suggests this. Attached please find an example of about XXXX letters like this sent Notarized to XXXX and have all been ignored.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (MN)

Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (SD)

I am writing to dispute the following information that your company provided to all XXXX major credit bureaus : XXXX, and XXXX. I have circled the items I dispute on the attached copies of the credit reports I received. 
The item that I am disputing is the second reporting from your company of my XXXX student loans on my credit bureau. According the Fair Credit Reporting Act, you have a responsibility to report accurate information on my credit bureau, currently it appears that I have a total of XXXX loans with your company with the continued reporting of the XXXX accounts that are closed. I was recently made aware of the effects of your company reporting my student loan 4 times, XXXX sets of XXXX accounts, when I was applying for the FAFSA for my daughter and was denied aid. I contacted the U.S. Department of Education in an attempt to rectify the situation when they informed me of how your company is currently reporting my student loans. They advised me to contact your company and request that the additional accounts be removed. 
I did contact your customer service department and when the representative would not acknowledge the error, I requested to speak with a manager. The manager informed me that your company changed computer systems and that all accounts were reporting double on credit bureaus because there was no other way for your company to capture the delinquency and history of the account. While, I am not disputing the accuracy of the reporting of the account, I do not think that because your company could not manage to transfer the history of your customer accounts during the computer system change, your customers, including me, should be impacted by something that was out of our control.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I began working in a XXXX in the state of Virginia in XXXX of XXXX. After working for 5 years in a XXXX, I submitted the necessary paperwork for the XXXX loan forgiveness program in the XXXX. I had done much research to ensure that I qualified for the program and I should have received XXXX dollars in loan forgiveness according to the application for the program. 

I submitted the paperwork through Navient and got a letter two weeks later saying that I did not qualify for the loan forgiveness program. I called Navient to see what went on with my application. They told me that it was not them, but the federal student aid office that denied me from the program. I called the Federal Student Aid Office who told me that they had not received any information in their systems that I even applied for the program and that I absolutely did qualify for the loan forgiveness, they made it for XXXX exactly like me. They told me to reapply thinking that Navient XXXX up. I reapplied again a few months later. This time, faxing my application from my XXXX thinking the letterhead would somehow make a difference and it would be faster. Two weeks later the same thing happened and I got a letter saying that I did not qualify for the program. I called Navient again to question them about why they denied me and they said that I had filled out the wrong paperwork, because my XXXX signature was not in the right place on the document. I had a scanned copy and looked it over and found of course, no such mistake. The paperwork was also correct and had not reached the date of expiration. 

Despite this runaround, I got everything together the following year in XXXX and I submitted for a third time through fax. I even wrote third attempt in big letters on the cover page. I got a denial letter again, even after having a coworker qualify for the same program and get her XXXX worth of forgiveness. I now work at another XXXX, this being my 8th year as a XXXX in a XXXX. 

I was going to write XXXX XXXX and try filing again. I would n't know about what lawyer to contact, but they I saw your recent lawsuit against Navient. I think they are guilty of mishandling my loan as well. My forgiveness amount would have erased XXXX of my loans and I believe they wanted my interest and did n't properly submit me for the program.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MS)

I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you
Consumer complaint received 2020-04-17
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. (FL)

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop.