davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
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. (SC)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX ) and Transunion ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with Transunion. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following items are reporting inaccurately to my credit report on trans union and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help
Consumer complaint received 2017-05-21
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)

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX, XXXX, Experian, but nothing has change. That was XXXX XXXX. But already it had happened before on XXXX XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services (MI)

I filed and submitted the proper documents to the ACS, to have my student loan deferred, placed on forbearance, and delayed due to economic hardship. However, the company refused to assist me nor would process the documents. Currently, I am unable to repay my student loans due to social and economic hardships placed upon me, at not fault of my own. I have been prevented from gaining satisfactory employment, causing me not to be able to sustain a livelihood.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to  make it right by giving me a forebearance and  XXXX  told me if I needed more time let her know, it had to be g iven 4- months  at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months,  still trying to get my check corrected with  XXXX  at this moment. This is how I got behind. Reaching out to  5/3  for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted me.
Consumer complaint received 2017-07-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Management Solutions LLC (KY)

Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
Consumer complaint received 2017-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On     XX/XX/XXXX     I spoke with  XXXX  in the fraud department that is handling my case. She advised me of the steps that I need to take to get this investigation started so that I could get this car off my credit. Its a  XXXX   XXXX   XXXX  that she stated was opened in  XX/XX/XXXX  in the   XXXX ,   FL  location. In which i do n't live. They have no clue where this car is located. The loan is ab out 20, 000 in w hich this is reporting late on my credit. Its dropping my score and stopping me from obtaining credit that I try to get. I sent in all the information that was needed. We are now in  XX/XX/XXXX  and I have yet to get an update on what is going on. I have made couple attempts to contact my case  manager   XXXX  and she has not returned any of my phone calls. My third attempt to get in contact with her was  XX/XX/XXXX . I advised the rep that I spoke with that was my last attempt to try to get an update. I also advised that I will be getting a lawyer involved and will be reporting the business. The companies name i s Credit Acceptance.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-10-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX XXXX  and Federal Trade Commission ''.
Consumer complaint received 2017-07-10
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. (WI)

Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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 2015-11-23
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (GA)

I am calling to get resolution in regards to a student loan taking out by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Ga XXXX. The account number is XXXX. The company is American Education Services XXXX. XXXX XXXX XXXX, Pa XXXX. This loan I believe has me listed as a co- borrower which I am not. Also Informed this company that me and XXXX XXXX are divorced and have been since XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-11-11
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc. (TX)

I wrote to Chrysler Capital about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owned a vehicle with them. They sent me paperwork stating that I was the co-signer of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a XXXX letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report.
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

My father was a victim of identity theft. Given his elderly state and increasing XXXX, I have been given Power of Attorney in order to help him resolve the issues he 's had. I placed a fraud alert on his credit and the police acted, resolving the situation. I now need the fraud alert lifted so that he can use his credit to be approved for housing. <P/>Experian has continually refused to give me any information about his accounts or allowed me to address the issues despite my repeated fulfillment of their requests to send them the legal Power of Attorney forms. They have given me several different avenues which have been contradictory and refuse to respond to any of my inquiries over their website or phone. <P/>I get a different explanation of what is required every time I contact them, and their online forms refuse to allow me to upload the documentation they require. They seem to be deliberately obstructing my ability to resolve the dispute in a reasonable timeframe. <P/>This has been going on for nearly 30 days, and I have yet to see any action on the part of Experian to resolve the situation.