davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I was done with college in 2009. I got sick with XXXX XXXX XXXX shortly after I was done with school and ended up XXXX my job. I was newly diagnosed with the XXXX and had no idea how to control it so it took me a long to to get it some what under control. I contacted Navient about how to get help with my payments, they put me on a forberance and continued to do so for a few years and finally When my wife was dealing with her loan provider she was told about an idr. so i called navient about it and then all the suden they didnt have my file no more it was now with a company called pioneer recovery. finally after months of the run around I had to get out of default with a 12 month payment program then i could get on the idr. The payments i made to the program i have never seen applied to my loans. i was on the idr untill the coronavirus pandemic started and it expired a month ago. I have also been getting notices from navient every month about the intrest on my student loans continuing to add up and I thought it was suppossed to be paused.. I just recently found out about how they were suppossed to be fixing this issue and was wondering how or when because payments are suppossed to start back up soon.
Consumer complaint received 2022-09-27
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: World Omni Financial Corp. (AL)

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/XXXX I submitted CFPB complaint # XXXX XXXX see attached ) against TransUnion for knowingly reporting inaccurate and false information and for refusing to forward my complaints to lenders. Included in this complaint was XXXX Loan # XXXX with the US DEPARTMENT OF EDUCATION being serviced by XXXX XXXX XXXX  services. This loan defaulted on XX/XX/XXXX and was placed on my credit report as a delinquent account with a status of 120 past due. 

On XX/XX/XXXX I completed loan rehabilitation with the XXXX XXXX XXXX on behalf of the US DEPARTMENT OF EDUCATION ( see attached ) and my loan was subsequently transferred back XXXX XXXX XXXX  services on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX services reported my loans as being paid as agreed with a payment of {$750.00} being made on XX/XX/XXXX ( see attached ). 

Attached is my TransUnion credit report XX/XX/XXXX ( see attached ) where XXXX Loan # XXXX is listed on page 2 of the report as 120 days past due with a {$0.00} balance and updated on XX/XX/XXXX. On page 7 of this same report you can see the updated information from XXXX XXXX XXXX services that my loans are current and paid as agreed with a status date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a dispute to TransUnion with supporting documentation of the improved status of my loans. On XX/XX/XXXX TransUnion published the results of this dispute claiming that my loan is delinquent and 120 days past and the information was verified as accurate and updated on XX/XX/XXXX ( see attached ) and which is in clear conflict with supporting documentation provided to TransUnion. 

I have provided several pieces of supporting documentation, repeatedly, to TransUnion notifying them that false information was being reported in violation of FCRA and requesting that the payment status be corrected to reflect that the loan is no longer 120 days past due. Subsequently this false information has repeatedly been verified as accurate even after TransUnion received electronic documentation on XX/XX/XXXX that my loans are being paid as agreed directly from XXXX XXXX XXXX services as is clearly reflected on the same report claiming the loan is delinquent. 

In the face of so many clear discrepancies and inaccuracies being reported by TransUnion, the conclusion has to be that their actions are willful and deliberate in continuing to knowingly report false information on my credit report in direct violation of the rights afforded to me under the FCRA even while my original CFPB complaint # XXXX for the same FCRA violations remains unresolved.
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I filed a dispute regarding inaccurate items on my credit report. I sent a letter on XX/XX/2021 regarding unknown and incorrect items on my credit report. It has been well over 30 days and I have yet to receive a response or any investigation results. I feel like I am being ignored and taken advantage of. The following items should be deleted instantly because it has been over 30 days. This information is negatively impacting my credit standing as well as negatively affecting my peace of mind. This was done without my permission. Please remove the inaccurate items.
Consumer complaint received 2023-02-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 an account without my written instructions.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT XXXX AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (CA)

Date : XX/XX/2022 Amount : {$70000.00} TOTAL : {$73000.00} I am writing to express my dissatisfaction with the handling of debt collection by XXXX XXXX Department and Credit International Corporation. While I understand that it is their job to collect debts owed, I have several concerns regarding the way this matter has been handled. 

First and foremost, I believe that the debt being reported on my credit record is inaccurate. This debt belongs to the company XXXX XXXX XXXX and not to me personally. As an employee of the company, I should not be held responsible for the debts incurred by the business. It is my understanding that XXXX should be held responsible for the payment of this debt, as XXXX XXXX XXXX received payment from XXXX and released the order to the customer. As a customer, we relied on the XXXX XXXX XXXX to handle the payment process. XXXX is now attempting to collect the money back due to a loophole in their system, which is not our responsibility. 

Furthermore, I am concerned that XXXX practices in attempting to collect this debt have been unfair and unjust. I have received numerous phone calls and letters from XXXX regarding the debt, many of which were made outside of reasonable hours. Additionally, I have been subjected to threats and intimidating language by their representatives, which is unacceptable.
Consumer complaint received 2021-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (CA)

1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, XXXX  and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record. 

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AR)

I had an accciint with Regions for years every time my card was overdrafted they always charged me these fees if it was {$1.00} they charged me XXXX dollars per transactions. My account was hacked and i disputed it and they made me pay back some of the money and then they also closed down my account
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to the CFPB to make complaint about the reporting agency, Experian. This is not a third party filing this complaint. 

The credit reporting agency, Experian, has been furnishing false and unauthorized accounts on my credit report. Experian is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I, consumer and natural person, did not give any written instructions to Experian to furnish these items on my account listed below.

1. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 2. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 3. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX**** Please ensure that all information is accurate 5. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 7. This account was never late. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have asked SPS for a forbearance and they have refused to comply with Federal Forbearance Law. XXXX extended the State of National Emergency until XX/XX/XXXX, and all homeowners have the right to a forbearance until the end of the state of national emergency. I have the right to a forbearance regardless of the delinquency of my mortgage.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the credit bureaus.
Consumer complaint received 2022-01-13
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. (KY)

I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MO)

Comenity Capital Bank continues to lower my credit limit on my XXXX XXXX XXXX credit card. Every time I get my balance paid down by {$50.00} they lower the limit by that much. The letter they send states that it is due to my credit, however, my credit is better than when I opened the account, on the attached documents see from one letter dated XX/XX/2022 to the next dated XX/XX/2022 my score increased yet the letter states the limit decrease is due to a credit score decrease, this is not logical. I also have not given them authorization to run my credit again, so if they are actually running it to get this information this is an illegal practice. This lowering of my credit limit makes me have a maxed out card on my report which other creditors look down on when evaluating for new credit lines.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (FL)

Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, Equifax, and XXXX and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

AROUND XX/XX/2021 I NOTICED A COLLECTION APPEARED ON MY CREDIT REPORT I DISPUTED IT AND IT WAS DELETED XXXX XXXX AND NOW IT HAS REAPPEARED UNDER A DIFFERENT COLLECTION AGENCY I CHALLENGED THE ACCOUNT AND ALL THEY DID WAS UPDATE IT SO THE ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT AND THEY WILL NOT REMOVE THE INCORRECT INFORMATION. I HAVE ASKED SEVERAL TIMES. THIS ACCOUNT HAS ALREADY BEEN DELETED ALREADY AND SHOULD NOT BE REPORTED ON MY CREDIT REPORT I HAVE ATTACHED THE REPORT WHEN IT GOT DELETED AND WHAT IT IS REPORTING AS NOW.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

I have new and updated information about Caine & Weiner. You have admitted to not having a contact between you ( Caine & Weiner ) and I, which means you 1. You ARE not the holder in due course and can not lawfully enforce your claim. 2. You have not provided me any documentation to show you are obligated to collect and I`m the obligated party to pay you. I have tried to resolve this issue and you have been negligently noncompliance with Federal law. I AM NOW PUTTING YOU ON NOTICE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME THROUGH ALL MEDIUMS INCLUDING MY CREDIT REPORT WHICH IS A FORM OF COMMUNICATION PER THE FDCPA 15 USC 1692C. YOU HAVE NOT ONLY INFRINGED UPON MY RIGHTS TO PRIVACY BUT ALSO USED MY INFORMATION WITHOUT MY PREMISSION WHICH IS AGGRAVATED IDENTITY THEFT 18 USC 1028A. I HAVE ACTED IN GOOD FAITH GIVING YOU CHANCE TO RECTIFY THE SITUATION, I EVEN AGREED TO PAY THE BALANCE IF YOU CAN PRODUCE DOCUMENTATION TO WAS OBLIGATED TO PAY YOU LIKE MENTIONED IN MY CONDITIONAL ACCEPTANCE AND YOU FAILED TO DO SO. I HAVE A RIGHT TO ANY INFORMATION REGARDING ME PER THE FREEDOM OF INFORMATION ACT.YOU HAVE AND CONTINUES TO TRY TO COERCE ME INTO A PAYMENT WHICH IS IN FACT VIOLATING MY RIGHTS. THIS TRADELINE HAS CAUSED ME INCLUDING BUT NOT LIMITED TO SEVERE STRESS, MENTAL ANGUISH AND HAVE BEEN NEGATIVELY EFFECTING MY LIVELIHOOD. I HAVE ADVISED YOU AND GIVING YOU 15 DAYS TO REMOVE THE INFORMATION OR MY NEXT STEP WILL BE TO PURSUE LITIGATION FOR THE STATUTORY VIOLATIONS AND ACTUAL DAMAGES AS YOU HAVE AND CONTINUE TO CAUSE ME TO SUFFER!
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I reviewed my consumer reports and noticed that my personal information is being reported inaccurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. Please investigate and update my personal information to the following : XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX