davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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)

I have written several letters asking equifax to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.
Consumer complaint received 2022-08-13
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: Bread Financial Holdings, Inc. (CA)

My account is through XXXX XXXX My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/XXXX, I mailed a dispute letter to Equifax via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. Subsequently, I sent another dispute letter to Equifax dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (LA)

Hi, my name is XXXX XXXX XXXX. I have a student loan issue. My family is being harassed and bullied by Navient for student loans we can't afford. We have always tried to make payments when we could afford them, and now because of misleading tactics by Navient we are {$120000.00} in debt. We borrowed XXXX, XXXX is added interest during forbearance, or deferments, and service charges for times Navient mismanaged payments on our account. Right now Navient wants $ XXXXmonth. The lowest plan they are offering is $ XXXXmonth. They say that would go mostly to my principal, but I don't trust them or have a reason too. 

I was recently married, and this student loan situation is ruining my future. It's murdered my credit, some job and entrepreneurship opportunities. My mother, who co-signed, has been at her job servicing the elderly of XXXX XXXX, and XXXX XXXX for over 40 years, she wants to retire, but she can't because she is constantly being threatened by calls and letters from Navient about taking her house, that her and my dad have finally paid off after 30 years. She is scared and because of her age the stress is causing her health issues. 

Navient has recently lost or settled lawsuits because of it's mismanagement, misinformation, illegal and bullying practices, but because I attended an accredited college I can't get any help with my private loans, which is unfair. My mother works in the service industry, she is my co-signer, but because I'm not a service worker, loan forgiveness programs don't apply to me. If we're both responsible for the loan, we should both be able to apply for forgiveness. We are currently running out of options. We are being threatened daily with the date of XX/XX/2022. I have called Navient and begged for a lower payment option, they will not budge. I even asked them for a job to help with payments. 

We are desperate, and don't know what to do. PLEASE HELP! Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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.
Consumer complaint received 2024-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (TN)

I am writing to express my concerns regarding a recent experience with your service. On XX/XX/year>, I contacted your team to set up an automatic payment. Unfortunately, the representative scheduled the payment for the incorrect date. The payment was supposed to be set for XX/XX/year>, but this was not properly recorded. 

When I noticed the issue, I called again on XX/XX/year>, to address the error. During this interaction, I encountered a representative who was extremely rude and unprofessional. I was informed that I could not make a payment online and would instead need to send payment for multiple months either by mail or over the phone. However, the representative refused to allow me to ask questions or fully explain the situation, which left me frustrated and with unresolved concerns. 

Additionally, due to this error, I have been reported 30 days late to the credit bureaus. As this was the result of an administrative mistake, I am formally requesting that the 30-day late payment be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) .
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (FL)

Hello, My name is XXXX XXXX. I opened a Brokerage and Individual account with Charles Schwab XX/XX/XXXX of 2022. Charles Schwab verified my identity. Open the account with confirmation from Charles Scwhab XX/XX/XXXX of 2022 that upon funding my account and verifying any ACH transfer to the account ; a card would be shipped out for use in order to maximize use of my individual checking. Now by XX/XX/XXXX of 2022 I added my husbands XXXX  for a One time transfer of {$5.00}. The transfer was a one time daily transfer. According to their guidelines, once trial deposits are sent to the account chosen to link, you tell them what are the deposits and its total and the account is verified. Well I did exactly that and my account was Successfully Verified. 24 hours later I call because I initiate a transfer for the {$5.00} originally, yet money still has not shown up in my Charles Schwab Checkings account. They tell me it is due to be in the account XX/XX/XXXX of 2022. I log in my account XXXX XXXX, 2022 and my account is suspended. I call them and they inform it is due to suspicious activity or fraud and a representative name XXXX. AFTER PUTTING ME THROUGH VERIFICATION AND I PASSED, feeds me some malarkey about rather getting people like you and a few fraudsters rather than letting them get away with it. I thought to myself are you kidding me? I thought the purpose of a financial institution was to secure its customers once verified. Not subject your loyal or new clients to such a time consuming discrepancy on your part. I mean how can a bank just propose all of these steps to verify someone and still lock you out of your account with NO REASON at all I may add.They also took my {$5.00}. Something needs to be done ASAP. Charles Schwab even had the audacity to inform me even GOING IN TO THE BANK WITH MY GOVERNMENT ID WOULD NOT ALLOW ME TO RETRIEVE MY ACCOUNT THAT SAME DAY I AM IN THE BRANCH? MEANING they get to steal customers money with no regard to what troubles and finances people may have. I need my situation expedited in timely fashion. I want the account or return my money and close my account because I refuse to put in so much work into a bank. I never been through anything this traumatic in my life.
Consumer complaint received 2022-08-13
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. (CA)

Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> I requested XXXX, XXXX and Experian to validate and or remove a number of accounts from my credit report due to them being inaccurate.I have not received a response.These agencies are not following their own policies in a timely manner.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NV)

I am writing to formally file a complaint regarding CKS Prime Investments , LLC. This company has reported a collection account on my credit report. However, after conducting research on XXXX have found that CKS Prime Investments , LLC is not a licensed collector in the state of XXXX. This is the collection company thats showing on my credit report. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per XXXX  law, any company engaged in debt collection activities in the state is required to be properly licensed. Since CKS Prime Investments , LLC does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that CKS Prime Investments , LLC is not licensed in Nevada, and any other relevant information for your reference. 
I visited nmlsconsumeraccess.org where I confirmed CKS PRIME INVESTMENTS , LLC is not licensed in the state of Nevada. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2022-08-01
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. (NY)

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to delete these pieces of erroneous information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few XXXX credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Consumer complaint received 2022-06-26
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)

XXXX XXXX 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a f

air investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3XE ) States ; The term "
investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-06-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account name : XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XX/XX/2021 Account name : XXXX XXXX  Date : XXXX XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.