davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (TN)

I recently obtained my credit report that was not reported accurately. the consumer reporting agencies need to report all info with complete accuracy. According to the IRS when an account is charged off, it becomes income. I requested proof but haven't received anything. It has a balance of XXXX and shows closed and the dispute says deleted but still shows on my report. I'm requesting that this account be updated and deleted from my report because of its inaccuracy. if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and remove this. It is showing as closed but its also showing as an inquiry and will fall off in XXXX XXXXThis also shows the last status update was in XX/XX/XXXX but XXXX is showing that is charged off as of XX/XX/XXXX. This account should be deleted for the inaccuracy that is reported.
Consumer complaint received 2024-08-30
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. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureau is reporting inaccurate information on AWA COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX ( original Creditor ) and XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A States that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions. I would like this account to be deleted from my credit report immediately
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services (VA)

On XX/XX/2022 I went into the physical location to complete paperwork for a loan. 
Over the days leading up to XX/XX/XXXX I spoke with the Branch Manager ( at the time ) of my intentions of purchasing a vehicle. 
I had a vehicle I owed {$4800.00} on financed with a different company and a {$6000.00} personal loan with Lendmark. Branch Manager suggested I combine the XXXX loans under my Lendmark loan and be able to get cash in hand with the refinance and merger of loans. Getting this cash in hand would give me cash to put a down payment on a new or newer vehicle. 
When I arrived XX/XX/XXXX, it went all down hill. I was abused through harassment and ableism by the Branch manager to the point that they were fired. The branch manager unfair and deceptive about the way the loan product worked when merging into a " partially collaterized personal loan '' and slapped a 36 % interest rate on the loan. So this would mean my vehicle worth {$4800.00} from its loan, when its actual book value is {$2500.00} aprox., is attached to a loan of roughly {$12000.00} for 60 month for a total with interest payment of $ XXXX. 
There is so much more to write about UDAAAP violations by the branch along with the branch manager trying to bribe me to keep quiet about the issue. 
Now as of XX/XX/2022 the branch has a new manager and they are committing UDAAP violations and lying and being deceptive in their practices.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion suddenly decided to temporarily suspend my access to my credit profile, with no explanation other than they were unable to verify my information. After going through their unlock process numerous times, I discovered that inexplicably my profile information was reverted back to a previous state! This is most untimely since Im looking to purchase a car! TransUnion has been mostly unresponsive and their supposed system for resolving these issues- created by TransUnion- are riddled with long wait times and circular processes i.e. you go round and round in their system trying to resolve this. Theres got to be a better way than these three bureaus that have proven to be consumer unfriendly and have propagated misinformation and/or erroneous data at the expense of consumers. Lets fix this already!
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (CA)

Description of Complaint : I have a dispute with Allied Collection Services who failed to verify and dispute 2 accounts according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Allied collections which did not properly respond, I sent out a Notice of Default which Allied Collections never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached 2 conditional acceptance contracts, the Notice of Defaults and the postal proof of mailing receipts that I sent to allied collections that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 



DEFENDANT INFORMATION Name : XXXX XXXX XXXX Title : Supervisor Company/Firm Name : Allied Collection Services of CA Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX E-mail Address : XXXX XXXX
Consumer complaint received 2021-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX  monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. 

Please contact me for recordings and other documents.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Finance System of Green Bay, Inc. (MI)

On XX/XX/2021, Financial SYS added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not validate this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial SYS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX. I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-08-23
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On Tuesday, XX/XX/XXXX, I received payment in the amount of {$140.00} for goods through Zelle to my XXXX XXXX mobile number. This was confirmed by a text message from Zelle directing me to a website to sign up to access the funds. I considered the transaction complete / successful. 

Subsequently, while attempting to sign up to access those funds, Zelle informs me my XXXX XXXX number is ineligible. 

Contacting both my bank XXXX XXXX ( who provide Zelle with my account ) and Zelle themselves, provide no path to resolution / access my funds. 

How can it be that, a payment can be sent to an ineligible number, a confirmation text message is sent to that same ineligible number, but signing up to receive those funds is impossible?!? If the number is ineligible, Zelle should have indicated that at the start of the transfer, not after it was seemingly completed and available!
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-11-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I reported to the credit bureaus : XXXX and XXXX that the account of XXXX was not my account. Placed disputes for XXXX with the credit bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They were all denied and were told to keep on credit report even when I provided a FTC report attached. I called the credit bureaus on XX/XX/XXXX asking both how was the information confirmed by the company and they told me to call XXXX. I tried calling XXXX several times on separate times and I could not talk to a representative to ask for them to provide me documentation of my signature opening the account because according to XXXX I dont have the proper information to verify the account.
Consumer complaint received 2021-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-09
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: PENNYMAC LOAN SERVICES, LLC. (NY)

They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

This is in regards to XXXX, Equifax and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, Equifax and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX  collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX collection agency disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Consumer complaint received 2022-03-24
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. (TX)

I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with Experian, XXXX and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Consumer complaint received 2022-03-29
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. (VA)

Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX, account # XXXX, XXXX Acct # XXXX, XXXX XXXX OF XXXX XXXX accounts, and XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-03-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.