davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

I have been paying on XXXX loan now XXXX since XX/XX/2005. I was n't working for a while and then returned to school. During that time I was paying interest only payment. I was told last year that my interest only expired and I have to pay {$210.00} per month. I discussed with the staff and was told that there is nothing they can do to lower my payment. I told them I can not afford {$210.00} but will make an effort to pay {$100.00}. Even so they are adding late fees and calling me threaten to send my name to the credit bureau. I 'm having a hard time because I have to pay other loans. I do n't known what to do because it is stressful. My XXXX XXXX went up and I have to be taking medicine. If the com [ any send my name to the credit bureau I will not able to receive credit from anyone. Please help.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was victim of Identity Theft and they used my SSN to open a XXXX Account - with a {$3600.00} unpaid balance ( in collection ). I have asked Equifax and XXXX to remove the this item with no success ( in dispute since XXXX 2015 ). 
I also asked Equifax to remove another Collection issue ( caused by the same perpetrator who stole my SSN ) - Unpaid rent for {$4700.00}, in a city I have never lived in. No results to far.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

*****THIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - AFFIRM CAN'T JUST PICK AND CHOOSE WHO XXXX  XXXX IT WANTS TO REPORT AND WHEN. ********* Affirm is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF AFFIRM 'S WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus Affirm currently reports some loans to XXXX and XXXX report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which XXXX impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the Affirm app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " Affirm currently reports some loans to XXXX. ''
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (TX)

Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (CT)

We are in the process of selling our home. Our real estate attorney provided a request for the payoff statement for our mortgage from Seterus on XXXX XXXX, 2015. They said that it would take XXXX business days to receive this, even though a typical lender provides this within a few hours or up to XXXX business days. On XXXX XXXX, 2015, our attorney contacted them because she had not yet received the payoff statement. They said they were still within their XXXX business day window and were in the process of obtaining this information for our close scheduled for XXXX XXXX. On XXXX XXXX, 2015, my husband contacted Seterus to find out the status, since we had still not received this, and they told us that our request was declined and that it would be at least another XXXX business days. They are jeopardizing the sale of our home by virtually holding us hostage for a piece of documentation they refuse to provide despite the law in CT being that this must be provided within 7 business days of written request.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX has never provided a full accounting of debt owed to the XXXX XXXX even though requested on numerous occasions. No invoice, statement, letter or electronic notice every provided to request payment. When I called and spoke with representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX, in XXXX XXXX, I was told to wait for reconciliation and notice to be sent ). Nothing was every provided. It was then reported to US Dept of Treasury XXXX a debt owed, US Treasury sent demand letter and I responded same day with payment and undeserved late fee, which was cashed on XXXX/XXXX/XXXX from my bank account. They then reported on XXXX/XXXX/XXXX that I was 180 days late on a federal debt. When I called, they could not locate payment, or evidence of request. They will not remove or correct, and insist on additional payment even though I have proof of an on time payment. They continue to report this fraudulently even though I have asked them to cease and desist. I have offered to pay in entirety if they would provide full statement or any other accounting of funds due - they refuse, and continue to misreport the debt on my credit. The only document ever to request payment was from US Treasury was on XXXX/XXXX/XXXX and I responded with payment immediately. This is a gross mis-representation and jeopardizes my credit and employment. Please assist.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

equifax refuses to remove account numbers XXXX,XXXX,XXXX,XXXX,XXXX from adverse accounts section of my credit report. these accounts are in defferment/forberrance and are seven to ten years old. verbally a exufax customer service represenative stated that the servicer of these accounts reported a missing payment. upon reviewing my equifax report. report confirmation number XXXX all of the above accounts have payed as agreed in the remarks section. Equifax website will not allow me to dispute these accounts indicating my session has timed out after numerious attempts. account # XXXX has been placed in the in collections area of the report. this account was included in bankruptcy that equifax has discharge correspondance and was not on the previos report.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (AL)

A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.
Consumer complaint received 2023-02-03
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. (NJ)

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Back in XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX a.k.a. XXXX tried to collect a debt ( {$100.00} for one month 's service ) through XXXX XXXX XXXX XXXX. I sent them a letter explaining the situation with the following information : The is a notice to inform your company that the debt being claimed by the creditor ( XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX is invalid and lacks accuracy. Facts in the case are as follows : 1. XXXX billed for services NOT rendered. Those services were internet at a premium speed ( a $ XXXX. value above basic service ). A promotion of $ XXXX. off for 2 years. A total value of {$360.00} which should have been credited to the account. 
2. XXXX deleted from their records complaint calls regarding slow or intermittent internet. 
3. A XXXX sales representative promised to credit the account for the missing promotional credits. 
4. It was discovered that XXXX had reduced the ability of the modem to operate at the faster speed. The explanation from the tech department the speed was a result of being too far from the hub ( an admission that the speed promised could never be achieved and should have never been billed for ). This was a false statement discovered on further investigation that the modems size of packets had been reduced 50 % from the machine capability. 
5. The equipment was returned prior to the billing cycle. Thus, services were not rendered. 

The matter seemed to be dropped when no other correspondence being made after that. Now a new collection company appeared in XXXXXXXX XXXX XXXXXXXX. They were trying to collect a monthly service that was easy to show it was paid. They, I.C. System Inc., ignored blatant proof there was no debt owed and proceeded to file a ding on my credit reports.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc. (MI)

XX/XX/XXXX XXXX and XXXX transaction was done on my card at a atm, i didnt realized it until almost a week later, i only used the card to make payments over the phone and i card hasnt ever been outside of my home, i have money direct deposited there for over 6 months and never used the money, once i used the card, this happened, i have been back in forth and no resolve me, i made a police report, and as well sign a notorized statement stating i knew nothing about the transaction, you cant ever get through to anyone on the phone, and if by chance you do, they cant understand anything
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

Several weeks ago I used a Public Library computer ( @ XXXX ~ # XXXX ) to request all three credit reports from www.annualcreditreport.com ~ I was not successful in my attempt ... so, I called the attached telephone number and ordered all three credit reports once again ( or so, I believed ). On XX/XX/2017 I received via @ USPS first class mail a credit report from @ XXXX and @ XXXX but @ Experian_US only sent a letter stating I had already gotten my credit report from their company. I have tried to contact @ Experian_US ( XXXX ) without any assistance in resolving my issue. @ CFPB Please help me retrieve a copy of my credit report from @ Experian_US.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX