davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (NV)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2020-10-08
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. (CA)

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX federal the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Consumer complaint received 2020-09-24
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. (MO)

Equifax is still reporting my XXXX XXXX  account incorrectly I have recieved letters from XXXX   XXXX XXXX  stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (IL)

I have been trying to dispute an item on my credit. I have logged in 5 times but every time I try it acts as if it did not receive my information but I have done it 5 times and filled every box in. When I push file dispute it reroutes me back to this same page but makes it blank again. I feel as though they don't actually dispute items its a scam or something, for me to put all my personal information in and then come back to the site different times different days, something doesn't make sense. Now im scared for my identity.
Consumer complaint received 2019-03-28
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. (TX)

I have an account on Equifax and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Equifax reported inaccurate information on my credit report, and when I notified them they opened a dispute. I was then emailed that the dispute was resolved and was instructed to go online to access the file. The online system did not work and I used their chat feature to find a phone number to talk to someone. The phone number was an automated system in which they directed my concerns to their website that was not working. I finally figured out how to access a human and they opened my confirmation number, only to find out the case is still pending. There was no explanation to why I received an email stating the case was complete, and no reconciliation or assurance that it would be taken care of.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.
Consumer complaint received 2024-10-28
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. (CA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
Balance details 0 % paid off Balance {$620.00} Balance updated XX/XX/XXXX Original balance {$620.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % paid off Balance {$900.00} Balance updated XX/XX/XXXX Original balance {$900.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I have provided Nelnet with a certified XXXX letter asking them to provide the master promissory note to substantiate the debt. No response from debt collector. I feel as if my rights under the FCRA has been violated. Since this debt has not been verified as accurate, I demand that the accounts be removed from credit report. My next course of action will have to be litigation.
Consumer complaint received 2019-03-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Motolease, LLC (OK)

We purchased a motorcycle at big boar in Texas for under 14,000. Put down payment down then we never received any information on tag or title. We spoke with a guy about doing a restructuring program named XXXX XXXX On XX/XX/2016. He wanted us to pay XXXX then he would send us details of the new program. That seemed very odd to me. They came and picked up the bike soon after without any notice and we NEVER received anything in the mail from motolease. I have contacted them numerous amounts of times and filed disputes with the credit bureau which they report back negative information every time. They repoed the bike and now are saying we still owe what we would have paid for the bike. If they repoed the bike they need to deduct that amount. I have all the emails that prove all of this.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning TransUnion reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that TransUnion can change the balance owed to XXXX and take the word dispute off my credit report.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-06-24
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)

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

I filed a claim with SunTrust bank on XX/XX/2019 after I realized an unauthorized debit from my checking account of {$510.00} from XXXX dated on XX/XX/2019. I received an email on XX/XX/2019 stating that I would receive a temporary credit while the claim was being looked into. On XX/XX/2019 I received an email from a fraud investigator asking to contact them by phone. After trying to reach them multiple times I spoke to a representative in the fraud department only to find out the claim was still under review. I offered to give them my XXXX statements showing that no debit/payment could be found, I was never given any information on how to proceed and waited to get information on how to proceed. XX/XX/2019 I was emailed stating that my claim was denied and that the temporary credit would be reversed on XX/XX/2019. I immediately requested documents on why it was denied so that I could proceed with the rebuttal but was given little information. On XX/XX/2019 I went to my local branch to get more information on why my claim had been denied. The associate said that XXXX claimed I had authorized the charge. I filled out my rebuttal form and faxed it from the local branch. I felt that Suntrust could not give the proper documentation on why my claim was denied and how to get this resolved. On XXXX XXXX I called XXXX to see if it could be resolved on their end but was told by the representative that they have no record of Suntrust contacting them regarding my claim. I have documentation of emails from Suntrust and my XXXX statements and would like to get this resolved as soon as possible.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

PayPal credit has not been mailing credit card statements only notified me by e-mail until this month. I paid all my payments on time except the XXXX payment. Once I realized there was an over due payment I paid the account in full. Pay Pal has assessed me with a late fees and interest charges of {$29.00}, {$33.00} and {$40.00} since I paid them in full on XX/XX/XXXX. I called them today and the consumer rep said would waive the last 2 charges if I agreed to pay the {$29.00} for the first late fee and interest charge. I want all the late fees and interest charges credited back to my account because they did not notify me in writing of the payments due.