davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I aquirred a new citi bank credit card from costco on XXXX/XXXX/16, the card did not work due to costco issuing me a new card in XX/XX/XXXX & changed my costco acct. # & not putting the new # on my new credit card. I went to costco & fixed the problem, I tried to contact citibank on XXXX/XXXX/16 & was hung up on 3 times, then put on hold for 48 mins. XXXX/XXXX/16 tried to call ( XXXX ) again to resolve my problem waited 85 mins on hold., I finally hung up. I finally spoke to a live person on XXXX/XXXX/16 to have new cards with my new acct. #. My cards arrived on XXXX/XXXX/16, but my card was duplicated, & my wifes card was not sent. I called cust serv again & only waited 33 mins for a mgr. to finally resolve my issue. Why does the customer have to go this circus just to get citibank problems resolved. I sent this same letter to cust serv, all I got was a SORRY, but they keep charging that interest charge with pathetic customer service.
Consumer complaint received 2015-12-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

XXXX XXXX, 2015 between XXXX XXXX, I was denied entry into the Key Bank located XXXX XXXX and XXXX XXXX. XXXX, XXXX, Ohio because of racial discrimination. I am a man of XXXX descent. 
I and my XXXX sisters were there to discuss an outstanding loan debt with a loan officer when they locked us out, but allowed only white customers entry into the establishment to transact business. Though, after about XXXX minutes, I and my sisters were allowed entry finally. We asked why " we were not allow but white customers were, '' the Relationship Manager on duty, XXXX XXXX said, " because there system was down. '' What a terrible explanation, seeing that white customers had no problem gaining entry and transacting business, but I and my sisters were denied that opportunity.
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (MN)

I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.
Consumer complaint received 2018-05-29
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. (NY)

I have repeatedly asked Equifax for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Equifax states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Equifax and for what permissible purpose as well as all documentation Equifax received to give these companies access to my credit reports. I am also requesting the name of the person from Equifax that provided my reports to these companies. I need to see documentation on all inquires listed on my Equifax credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Equifax ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Equifax making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint.

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Equifax delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Equifax as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX  and my legal counsel.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (WA)

I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (CA)

LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.
Consumer complaint received 2016-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I used to have an account with XXXX XXXX. Now I am filing my taxes, I find out that my loan is owned by some company called Navient. Nobody from XXXX XXXX ever told me my lender was changing and nobody from Navient has ever contacted me. I had a fixed payment amount with XXXX XXXX before this change. It was approximately {$150.00} per month. I 've been sending {$170.00} each month to make sure I am paying the balance down. When I check on Navient 's website, it says i 'm past due because i 've been paying less than the minimum payment ... for many months. I do n't know how the funds are getting from XXXX XXXX to Navient, nor was I ever contacted to advise that my payment amount has increased or asked to agree to ANY change in terms for my account. I am not able to find any contact information for Navient. They have never sent me a statement, a single letter, or made any phone call to me.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

I pay my mortgage to bank Seterus every however they failed to make a payment in XXXX 2013 city hall called me threatening to take me to court. I tried to call Seterus to resolve the issue and I encounter one incompetent representative after another and many of them hang up the phone. I tried for a week now and have n't made any progress to resolve this very urgent issue it seems like no one know there job.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

FCRA XXXX. XXXX, XXXX XXXX US COURT OF APPEALS. Case XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX XXXX. XXXX ). EQUIFAX refuses to conduct a reasonable reinvestigation and remove and/or inaccuracies even after being provided proof of the inaccuracies. Section 1681e ( b ) requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. Id. at XXXX ( quoting 15 U.S.C. 1681e ( b ) ). 

FCRA 623 ( a ) ( 5 ) States that the original creditor ( XXXX ) is required to accurately report the DOFD separately to the CRA ( EQUIFAX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. XXXX XXXX XXXX acted as was both the original creditor and collector for this account. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. This charged-off account became delinquent XX/XX/XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. I provided Equifax with an Original copy of XXXX XXXX XXXX Account History to support my inaccuracy dispute and Equifax still refused to correct the DOFD. 

Attached is copy of the Account History provided by XXXX XXXX XXXX, copy of EQUIFAX Investigation Report and a Certified Mail Receipt copy of my dispute.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.
Consumer complaint received 2020-04-18
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: SYNCHRONY FINANCIAL (VA)

Synchrony oversees the XXXX Mastercard, which gives high reward points for XXXX  spending for US merchants in US dolalrs and lower amounts for other spending. I use this card solely for XXXX spending. Per XXXX, I have purchased solely from US merchants and in US dollars in the last month ( statement for XX/XX/2020 ). Synchrony claims that some purchases are outside of the program rewards, but there is no evidence for this. The supposed dollar amounts spent outside of XXXX  do not align with any purchases made in the past month.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you