davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian XXXX XXXX XXXX expects me to pay them to bring my report up to date regarding the XXXX XXXXXXXX XXXX loan that was paid off in XX/XX/2022 - XXXX XXXX has then sent me the Title and confirmation the contract is now paid in full. 

However Experian here in XXXX is stating i have a unpaid balance which is not true! 
They have on their site XXXX and XXXX showing the account may be closed but a balance of {$4000.00} is remaining which is not true. 

The remaining balance at the time of pay off was XXXX  I sent them a electronic check way more than required to cover all expenses which closed and marked as paid! 

Look XXXX likes to XXXX people over, IRS already pulled that XXXX but this vureau is not XXXX and they've caused me so much trouble with lies and manipulation, if i could id love to have my name wiped off their data base. 
I have a stand alone sign in with XXXX, their site shows account PAID, CLOSED AND {$0.00} BALANCE, As for XXXX, I cant access anything singly.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 I sent letters disputing incorrect and unfair items reporting on my credit and they havent followed their policies and resolved the issue Im a timely manner
Consumer complaint received 2020-07-06
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am disputing a debt with XXXX XXXX XXXX ( XXXX ) regarding an account allegedly purchased from XXXX XXXX in XXXX. My primary concern is that the debt validation provided by XXXX lacks sufficient detail and fails to address key questions about its accuracy. The records they provided do not adequately demonstrate a legitimate transfer of the debt, nor do they clearly show how the amount owed was calculated. This lack of transparency has made it difficult to trust the validity of the claim. 

Additionally, XXXX  initial notification process was flawed. They claim to have sent me a letter in XX/XX/year>, but I never received it. This has created confusion and prevented me from disputing the debt within the initial timeline, which I believe XXXX have adversely impacted my rights and credit standing. As a result, this unresolved debt has been reported to credit agencies, causing significant harm to my XXXX XXXX and overall financial well-being. 

Another major issue has been the inconsistency in reporting. All three major credit bureausExperian, XXXX, and XXXX previously deleted this item from my credit report, only to re-add it later. This repeated re-adding has caused considerable damage to my XXXX XXXX, created additional stress, and made it difficult to trust the accuracy of XXXX  claim. This action by the credit bureaus, presumably based on information provided by XXXX, raises further questions about the validity and handling of this debt. 

I am asking XXXX to provide more thorough documentation, including the accounts history of charges and payments, and to verify the precise legal ownership of the debt. I also request that XXXX cease all reporting to credit bureaus until these issues are fully addressed, as their current documentation is insufficient and has not answered my concerns. I believe a fair resolution would include a clear and transparent accounting of this debt, along with the removal of any inaccurate information impacting my credit.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Northern Trust Company, The (FL)

My sister, XXXX, and I have trusts at Northern Trust. There was originally only one trust, which was then split up. Per XXXX XXXX, the former Trustee, the trusts were split into exact equal parts with one portfolio manager investing them the same way. This was confirmed by the fact we both received nearly the exact distribution each month for the past two years. The distributions are automated. My sister receives her distribution on the XXXX of the month and I receive mine on the XXXX of the month. In XX/XX/XXXX, my sister received her distribution of approximately {$3000.00} ; however, I received nothing at all on XX/XX/XXXX. I emailed XXXX XXXX, the current trustee on XX/XX/XXXX and asked what happened to my monthly distribution. He stated my distributions had been stopped in XXXX, even though my sister 's distributions remained in active status. He then went ahead and manually sent me my XXXX distribution. I assumed he would correct the error and turn my distributions back on. In fact, he did nothing. My sister received her automated XXXX distribution in the amount of {$11000.00}! You can confirm this with her by emailing XXXX XXXX XXXX at XXXX. I received nothing at all on XX/XX/XXXX. Again I emailed XXXX XXXX on XX/XX/XXXX. He told me my distributions remained turned off but I was due {$2000.00}! He then manually sent me that amount of {$2000.00}. He refused to explain why there was a discrepancy of {$9000.00} between what my sister had received and what I had received. I believe this was a deliberate and maliciously motivated cheating me out of {$9000.00}. I had filed a complaint with you previously against Northern Trust and this was a retaliatory action to cheat me out of a substantial sum of money. There is no other explanation for such a huge disparity in what my sister and I received for the XX/XX/XXXX distribution, and I want this investigated.
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$4700.00} XXXX XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT EDXXXX XXXX {$6000.00}
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I wrote a letter to the XXXX XXXX informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XXXX I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law XXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2020-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I need your help in regards to problem I continue to have with Navient Student Loan services. I have been dealing with them for several months regarding my son 's student loan that I co-signed on. Due to both of us losing our jobs in XXXX through XXXX and not being able to gain employment until XXXX, we could not pay on the student loans. This summer during the month of XXXX and XXXX I started getting calls and emails to my work number and work email address. I filed a complaint to you all and they have stop doing that. I told them I could only pay {$200.00} per month on the loans which I did in XXXX and XXXX. Three days after I made the XXXX payment, they defaulted on the loans. Then I get an email from their recovery unit about options. They started calling me again, during work hours. I sent several emails advising them of my options to pay {$200.00} per month and that calling me during work hours is not an option. There is no available time to call them after work or weekends since they only accept calls during XXXX to XXXX eastern time. I am on the XXXX time zone so those hours are either too early in the morning for me or not late enough in the evening. So I have ONLY one way of communicating with them and that is through email. I get an email today saying that I have not tried to contact them and that if I don't then they have no option but to go to the next level. Well that is a complete lie. I have contacted them SEVERAL TIMES through email. They only responded once through email telling me that the payment option I provided them was not acceptable. I don't feel that Navient wants to works this out in good faith and just going through the motion to pretend that they are. I have asked for documentation on options and they refused to give me any. They just simply ignore my emails and continue to call during hours that I am not available. I really don't understand why Consumer Financial Services or XXXX XXXX XXXX is not going after Navient. They break all debt collection regulations by calling/emailing people at their employment. They hack into businesses network to get email addresses ( that is the only way they could have gotten my work email ). I don't know what else to do. Can you guys please help.
Consumer complaint received 2022-08-21
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: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and must be signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and it is accurate and complete. thank you
Consumer complaint received 2023-07-22
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. (MI)

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2020-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (CA)

I Obtained a title loan from the XXXX XXXX XXXX XXXX {$6100.00} in XX/XX/XXXX. I fe ; ; behind on payments because of lost of income and made arrangements to pay less. In XXXX covid pandemic stay at home were in place and I struggled more. I made small good faith payments and called the store about my situation. I was told Titlemax was closing XXXX  stores and they did not know what would happen and I would receive info by mail. I never did, In XXXX logged in to make a small payment but the loan information showed 0. I thought it was temporary. I called a the XX/XX/XXXX at XXXX pm ( I have phone records ) XXXX  customer service to find out my options and request some time to pay. I spoke with XXXX she said XXXX  was not repossessing and they would keep my title until I paid the charge off amount. She also said they might consider a settlement. I confirmed my mailing address and told her I need help until XXXX. They did not have options. They are claiming they did not receive the call but my notes and phone bill are proof. I have pais approx. {$3000.00} in payments. My car was repossessed without warning XX/XX/XXXX at XXXX XXXX, I called the police because I was unaware. Title max did not follow procedure to charge off or repossess. They did not communicate because they were in transition and did not have the staff to follow protocol. XX/XX/XXXX I spoke to XXXX in restitution department. He said they would not offer reinstatement only a settlement. I told him it was XXXX  Law to offer reinstatement. He said not. He offered a settlement of {$7000.00} due by XXXX XXXX or the car will be sold XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax, XXXX and XXXX didn't have access to use my social security number in selling securities on my behalf. I have attached their XXXX SEC filings to this complaint that shows proof of claim. This is called Securities Fraud and gross negligence that severely damaged my credit file and credit score.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Due to Covid-19, my income was reduced. I fell behind on one credit card payment, my Chase  card credit card. I didnt know to contact them before hand and after I caught up on the payment that was behind, I thought everything was fine. Ive repeatedly asked multiple people at the company to remove the late mark on my credit report due to Covid and Chase utterly refuses because I didnt call beforehand. The Cares Act clearly states that Chase has the ability to help and they are refusing to help. 

Cares Act, SEC 4021.SECTION 623 ( A ) ( 1 ) ( i ) ( I ) Credit Protection during Covid-19 Please contact me at XXXX or XXXX XXXX
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC (CA)

XXXX / Continental Finance has done the following : 1 ) After paying off my entire balance they added the Annual Fee charge of {$99.00} to my account and backdated it on my statement. 

2 ) They never sent statements for me to know that there was an additional costs. 

3 ) Then I called on XX/XX/XXXX and found out that I had a 30 day late via a credit alert 4 ) I called and asked them to remove the late fees since I didn't see a statement and I paid the balance off in XXXX, as well as they needed to remove the fees and the late payment. 

5 ) They removed both late fees but refused to remove the late fee caused by their negligence 6 ) XX/XX/XXXX I process a payment to pay off the account again and the payment is cancelled 7 ) I processed the payment again on XX/XX/XXXX and they still refused to honor their mistake
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.