davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (GA)

On XXXX XXXX I contacted Wilshire Consumer Credit And Spoke with XXXX a Supervisor. I was calling to get the information XXXX was needing released to acquire a new loan with XXXX. was told i needed to provide a letter of authorization. which my fiance filled out and signed since she is on the account with me, sent it in and authorization was given for XXXX to speak with Wilshire. Upon XXXX speaking with them and calling us back. we were informed that the information XXXX was requesting would not be released. See i was given a 10 day payoff from Wilshire on XXXX XXXX which will expire on XXXX XXXX. I fear that wilshire is stalling to prevent me from being able to have this loan paid out completely. this is unfair to me as it could result in my vehicle being taken and i am making an attempt to pay this loan out.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Submitted disputes XXXX 2017 and XXXX 2017 to Experian and XXXX that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
Consumer complaint received 2017-09-26
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. (IL)

I have a paid XXXX XXXX reporting on my credit file that should have never become a XXXX, as it was paid prior to being placed in XXXX status. I have disputed this reporting with the other two credit reporting agencies and after investigating, they ( XXXX and XXXX ) both removed the inaccurate information. I sent a total of for letters to Equifax, certified with return receipts requesting this inaccurate " paid XXXX XXXX '' be removed from my credit file. After the first two letters, they responded stating the information was correctly reporting. On the third and fourth letter, they stated XXXX confirmed the XXXX XXXX was in fact reporting correctly. In my letters, I clearly referenced section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Specifically, their obligation to physically verify through through signed documents from the original creditor that validity of this XXXX ; not another reporting agency like XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. After almost four months and four letters later, they are still in violation of the FCRA.
Consumer complaint received 2020-08-19
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / ESA All accounts ( There are like XXXX of them )
Consumer complaint received 2023-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (TX)

I was completely misled about the services Guaranteed Rate ( " GR '' ) was able to provide. 

I began the refinancing process in XXXX on an investment property and was very upfront on the particulars of the transaction I was looking to undertake. Specifically, I let the lender know that I was refinancing an investment property that had been purchased a few months earlier ( XXXX XXXX ) in an all cash transaction and that I wanted to refinance to get take some equity out of the property and redeploy it into another project. I was assured that GR could handle this and proceeded to apply for a loan only to have my terms changed and delayed time after time to the detriment of my business and personal credit. The process was incredibly disorganized, opaque and basically made it clear that GR was NOT able to provide the financing they claimed the could and that they were not dealing fairly. 

It is important that other investors / borrowers know that Guaranteed Rate is misrepresenting their abilities as a Lender.
Consumer complaint received 2017-07-03
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: Experian Information Solutions Inc. (TX)

I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. 
Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I was one of the millions of people whose information was leaked by Equifax due to a failure to use a software patch. 

Despite contacting them many, many times, I have been unable to get my credit frozen. 

Today, as per their instructions in response to my complaint XXXX, I called the automated system. AFTER I gave them my social security number, the automated system told me they could n't process my information. 

Why did they wait until I gave them my social security number? Are they stealing more information from me? Have they been hacked again? How am I supposed to get my credit frozen? 

I have tried and tried to contact Equifax, but the only numbers they provide are for robot-like representatives who just tell you how to freeze your credit, which does n't seem to work.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have two student loans with payments being handled by American Education Services. Both loans are owned by XXXX XXXX XXXX XXXX XXXX and guaranteed by XXXX. I believe my account balances have been incorrectly calculated over the years, and I 'm not even confident that XXXX  and AES have the proper paperwork to still be collecting my payments. 

Both of my loans were disbursed in XX/XX/XXXX ; both are " standard variable '' interest rate types, and both are non-subsidized, private loans. 
AES was capitalizing interest on my loans every few months from XX/XX/XXXX. 

The two loans COMBINED had an ORIGINAL balance of {$39000.00}. 
My CURRENT balance for the two loans combined is {$40000.00} -- - more than the amount I borrowed despite the fact that, to date, I have PAID a total of {$52000.00}. 
( {$26000.00} to principal and {$25000.00} to interest and {$210.00} in fees ) Both loans have expected payoff dates of XXXX. 

I know XXXX and XXXX have been under scrutiny recently for their record-keeping practices. I have no issue with repaying what I borrowed plus some interest, but something does n't seem right when I 'll end up paying over {$92000.00} on loans that were less than {$40000.00}.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well. 

I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.
Consumer complaint received 2017-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

In XXXX I paid XXXX XXXX a {$500.00} deposit for a XXXX Back-up Battery for my home. On XXXX XXXX, XXXX I paid an additional {$3000.00} as deposit prior to installation. All were processed though Pay Pall but as a guest. I do not want Pay Pal, I do not need Pay Pal and my friends & children have had problems with payments processed through Pay Pal. I just want to pay my bill directly to XXXX! This past Friday ( after the installation was complete ) I tried to pay my final bill of {$4000.00} in the same manner as before and I received : " Things do n't appear to be working at the moment. Please try again later. '' On Monday, I called XXXX & was told all was in order & that they had approved the payment but the problem was with Pay Pal. After dialing through the phone tree, " XXXX '' told me : " that this was deemed a " risky transaction '' by their computer. '' I asked for a supervisor and was told : " There is no appeal! The computer ruling is not changeable! '' I was told that I must join Pay Pal and that I must process the payment as a member. THIS APPEARS TO BE SOME SORT OF RESTRAINT OF TRADE OR FORCED PAYMENT JUST SO THEY CAN COLLECT THEIR COMMISSIONS ON CREDIT CARD PROCESSING. IS N'T THIS ILLEGAL?
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MI)

I began receiving XXXX XXXX XXXX benefits beginning XX/XX/XXXX. Soon afterwards I applied for a discharge of my ( FFELP ) loan based on total & permanent disability from XXXX XXXX. I recieved noticed ( XX/XX/XXXX ) that my application had been received & was complete. It also stated that my loan had been transferred to the guarantor who would review my application & make a determination of eligibility. The next notice regarding my student loan is dated XX/XX/XXXX & indicated that the Dept of Education intended to collect my defaulted student loan by Treasury Offset of my monthly XXXX XXXX  XXXX benefit. I requested a hearing in this decision & received notice stating that in XX/XX/XXXX Nelnet approved application for disability discharge, but had reinstated the loan in XX/XX/XXXX due to not receiving required documents during the 3 year post-discharge monitoring period. As previously stated, I did not receive any communication from Nelnet or the Dept of Education during the time period XX/XX/XXXX - XX/XX/XXXX. After numerous phone calls I was informed by Nelnet that the 3-yr post discharge documents had been mailed to the address where I resided 18 yrs ago ( XX/XX/XXXX ). I have moved 5 times in the past 18 years. I have lived at my current address since XX/XX/XXXX, which is the address where the the XXXX XXXX notice regarding my XXXX discharge application was mailed to. I recently submitted a 2nd XXXX discharge application which included a complete copy of my original SSA Notice of Award indictating that my XXXX case would be reviewed in 5-7 yrs, which is the time period required to be eligible for the loan discharge. I have received notice from Nelnet ( XX/XX/XXXX ) stating that my application had been received & was in review ; Nelnet notice ( XX/XX/XXXX ) stating that I failed to submit valid XXXX XXXX XXXX documents.
Consumer complaint received 2017-07-03
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. (NY)

Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in  regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that Equifax had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Equifax received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Equifax sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Equifax how they verified that these accounts were mine and that they were accurate. Equifax received this letter on XX/XX/XXXX which I have proof of. Equifax once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Equifax continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX
Consumer complaint received 2020-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (TX)

After reviewing the credit report from XXXX  noticed Navient continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. XXXX XXXX XXXXXXXX XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.
Consumer complaint received 2017-05-26
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. (KY)

Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.