davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX  XXXX XXXX ) XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Equifax XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information XXXX  XXXX XXXX XXXX XXXX, Equifax Information Services LLC and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

I have currently snap shots on my phone displaying inaccurate credit score ratings XXXX  is rating my credit score at XXXX, XXXX  rates my credit at XXXX and Equifax rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2020-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

In XX/XX/2020 I updated my preferences online for my two ( 2 ) consolidated loans with Navient. I indicated that I wanted any overpayment to go towards the balance on the loan with the lowest current balance. I made an auto-payment ( pushed from my bank account, was not made over the phone or auto-debit ) on XX/XX/2020, I looked online on XX/XX/XXXX to ensure payment was properly applied, it was not. Instead Navient pro-rated the payment across the 2 loans. I called to inquire, the rep said that I had a consolidated loan, even though I have 2 separate consolidated loans ( 2 separate current balances show with 2 seprate loan numbers ). She was able to go ahead and re-apply the overpayment to the correct loan. I inquired as to how to avoid that happening in the future, she indicated that I need to inform the rep when I call on the phone ( even though I informed her I did not make a payment via phone ). I asked what the point of having a " preference/payment direction '' of " overpayment toward lowest balance, '' she again repeated that I had a consolidated loan. At that point I realized she was going to argue in a circle. I ask to make a complaint and for the complaint department, she indicated there was no phone number and I would have to email as there was no complaint department.
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (MI)

I am not able to pull my credit. the credit reporting agency is not releasing my credit file to me or lenders. I sent in my proof of identity ( birth certificate ), copy of my social security card and proof of address ( lease agreement ) which is attached to this complaint.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX  website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.
Consumer complaint received 2020-06-26
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. (FL)

I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.
Consumer complaint received 2019-05-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

XX/XX/XXXX The US Department of the Treasury wrote me and stated the US Department of Education referred me to them to collect a debt I owned. 

XX/XX/XXXX wrote letter to US Department of the Treasury that I do not owe this debt. 
The US Department of Education has incorrectly identified me as owing {$100000.00} in student loan debt. 
Now, the Professional Bureau of Collections of Maryland has started taking money from my Social Security benefits. 

XXXX with no notice or reason defaulted my consolidation loan of {$45000.00} in XXXX. 
I had been making continuous payments for over five years XXXX to XXXX totaling over {$30000.00}. XXXX defaulted my loan for the entire {$45000.00} as if I had never been making payments. XXXX never said why they defaulted my loan. 
I need the collection activity to stop. This is my only source of income in my retirement and it is greatly effecting my quality of life.
Consumer complaint received 2019-03-11
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. (VA)

In XX/XX/2018, I became a victim of identity theft. Several accounts were fraudulently opened in my name. I immediately disputed the the accounts and after investigations by the credit agencies, the accounts were declared fraudulent and removed from my credit reports. In addition to the dispute, I also submitted affidavits, a police report and other documents as requested. 
However, one of the fraudulent accounts, a XXXX XXXX XXXX XXXX Account, was not deleted from my Experian credit report, although it was deleted from my XXXX XXXX as well as my XXXX reports. 
I have called XXXX XXXX XXXX XXXX and Experian numerous times and have been told from representatives from both companies that they are aware the account was not opened by me and I am not responsible for the charges yet XXXX XXXX XXXX XXXX continues to bill me for a {$20000.00} and Experian continues to show the account on my credit report. 
It's difficult for me to know who to contact to have these fraudulent charges removed, and now I'm asking for your help. 
I have all of my documentation which I can send upon request. 

Thank you, XXXX XXXX
Consumer complaint received 2019-03-19
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. (NY)

XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX  and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

I recently received notice that my mortgage was subject to foreclosure. I had been previously unaware that it was so seriously delinquent ( recently changed jobs, which caused automatic payroll deposit changes, so I lost sight of status on some accounts, and have not seen any correspondence indicating serious delinquency ). 

I immediately attempted to contact the mortgage servicing company to resolve the issue, and have been unable to reach them because their voice response system indicates " technical difficulties '' make it impossible to talk to an agent. 

I am concerned that the so-called " technical difficulties '' are actually intended to further disadvantage delinquent accountholders, by making it impossible to cure the deficiency before foreclosure actions are taken. 

At the very least such actions would result in additional fees, to the benefit of the servicing company and their affiliates ; at worst they would result in borrowers losing homes needlessly. 

This is a prime example of the need and value of regulatory oversight. Thanks for being there for us!
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Riverwalk Financial Corporation (GA)

It is requested that Deville Assest Management be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. Deville Asset Management fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. An account executive called from Deville Asset Management and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. Also see XXXX for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. I am asking that each credit bureau be contacted and the information supplied and attached be investigated against Deville Asset Management who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to Deville Asset Management requesting them to start reporing fraudulent activity on my account. If Deville Asset Management continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against Deville Asset Management per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Recovery, Inc. (TN)

This originally started the first time I spoke with the company. Their representative was extremely aggressive when I told him I wouldnt give him my information over the phone because I hadnt received anything in writing. They have since called me numerous times a day, multiple times A MINUTE. I have had to get my number changed because of the number of times my phone was ringing while I was at work. For example, on XX/XX/XXXX they called at XXXX, XXXX, again at XXXX, XXXX, XXXX, then four times at XXXX. This pattern of harassment has been getting worse for weeks now but this is definitely as bad as it has gotten I finally just changed my number.
Consumer complaint received 2019-05-22
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX****, XXXX  ( Original Creditor : XXXX XXXX ) XXXX****,
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a recent victim of identity theft due to a data breach, these accounts and inquiries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such inaccurate or fraudulent information be removed from my credit file. 
Account to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/XXXX
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC (OH)

The company Glass Mountain Capital LLC has been calling me since the end of XXXX. First they called from an out of state number in which I did not answer, but called back only to get a error tone. Then, in order to get me to answer the phone, they started calling from numbers using the area code where I live. I answered only to get someone on the phone asking me to verify my information without stating who they are and what they are calling about. Just stating it is regarding personal business matters. The lady hung up on me quickly once I refused to verify anything since she refused to tell me who she was and what she was calling about. They continue to call but, will not provide me any information unless I verify myself which I will not do if I do not know what the call is regarding. This collection company is not on my credit report which makes me suspicious about the nature of their calls.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

My PayPal account was permanently limited for XXXX days with XXXX ID : XXXX. I was told I'll receive an email about withdrawing the funds in my account after the XXXX  days wait period. I waited XXXX  days and got no email or notification. 

I knew it's gone past XXXX days, so I tried to login to my account and withdraw my money but they won't let me add my bank account to initiate the withdrawal. I tried to contact them via their phone lines during business hours but I was kept on the line for XXXX hours XXXX : minutes XXXX seconds without getting to speak with a real person. The call was disconnected by them and wasn't returned. 

I have tried to contact them on XXXX and XXXX as well but no valid response regarding this issue. The email linked to my PayPal account was hacked yesterday, i tried to update this on their site but they wouldn't let me do that. 

All I want is the total money in the account XXXX {$110.00} XXXX withdrawn to my bank account. The paypal account emaill is : XXXX XXXX
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I have a loan with WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFDS with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in XX/XX/XXXX. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.