davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (CA)

Since XX/XX/2018 I have been trying to defer my student loans due to hardships. Conduent requested documents and each time I sent in a document they said it was not good enough or did not have the enough information. In the past when defer my student loan those same documents worked just fine period now because they have dragged the situation out this long my loan is now in default. I have no information of who to talk to about getting my student loan to a current state. I was even told I have 13 months left for hardships. When asked I Conduent who will be taking over my account they said they had no information I should just wait for a phone call from the lender.
Consumer complaint received 2018-03-08
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: FIRST NATIONAL BANK OF OMAHA (TX)

I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. 

XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Account : XXXX Dear XXXX XXXX  XXXX, XXXX XXXX XXXX is now XXXX XXXX. 

Thank you for your email with XXXX received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at XXXX XXXX XXXX XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX. - XXXX XXXX., and Friday, XXXX XXXX. - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation (GA)

I was notified via email by my credit monitoring company of 2 new collections accounts added to my credit report. I disputed the items and this company sent a response back to the credit bureau saying the account info was accurate. I have never been to a XXXX nor am I the responsible party for these bills. This is fraud and the company needs to provide documentation to prove this is my responsibility.
Consumer complaint received 2018-12-10
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. (SC)

In XX/XX/XXXX, I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. All 3 credit reporting agencies ultimately blocked the fraudulent information, until recently. In XX/XX/XXXX, I learned that 3 of the fraudulent accounts ( all XXXX XXXX XXXX XXXX accounts ) that were previously deleted from my credit file, had been reinserted by Equifax. I have made several attempts to resolve this issue directly with Equifax. Each time I call, I am transferred to many different departments and representatives before I am finally connected with their Office of Consumer Affairs and I get nowhere from there either. I have spent countless hours on the phone with Equifax over the past month trying to resolve this issue, to no avail. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditor in that respect on my behalf. Any attempt to try to access the dispute status online or to view a copy of my current credit file online, are quickly rejected by their system. When asked why I am unable to access my file online, Equifax informed me that since I have been a victim of Identity Theft, all online access to my credit file has been removed and that I may only discuss my file with Equifaxs Office of Consumer Affairs. This denial of access to my credit file leaves me vulnerable as I am unable to monitor my file for any potential suspicious activity. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I informed the representative that I had received a letter from Equifax informing me that my personal information had indeed been accessed during their XX/XX/XXXX data breach, and suggested that this Identity Theft is likely a direct result of that data breach, the representative literally hung up on me. Additionally, Equifax is also in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), requiring them to notify me of the reinsertion in writing within 5 business days. I have received no such notice. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.
Consumer complaint received 2024-11-02
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)

" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.
Consumer complaint received 2018-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent XXXX, Transuninon, and XXXX a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, Transunion, and XXXX  responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, WA XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents on XX/XX/XXXX but received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( XXXX # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.
Consumer complaint received 2024-11-02
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)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

In reference to account # XXXX, Citizens One Auto Finance is utilizing illegal late fee policies. 
My payment is due on the 3rd of the month with a 10 day grace period. 
I have always paid my car note before the XX/XX/XXXX of every month. 
The first time they accessed the late fee, I asked them to remove it because I paid on the XX/XX/XXXX. 
The rep stated that I paid on a Saturday, and they don't count the weekend as a payment date. 
I asked the rep, where does it state that on their website. 
She couldn't advise me because it's not stated on their website. 
If their policy states that weekend payments only count for the next business day, PLEASE PUT THAT ON YOUR WEBSITE. 
After I complained, they removed the late fee. 
This second late fee that they won't remove occurred after I paid my bill on the XX/XX/XXXX of the month in XX/XX/2018. 
They did not debit the money out of my account until 5 days later. 
I don't care when they took the money out of my account, I paid the bill on the XX/XX/XXXX. 
Instead of them reviewing my account to see if a payment is pending, they immediately access a late fee. 
These are unethical practices that they're using to access late fees on their customers ' account. 
If my account is reviewed, there will be NO payments made after the XX/XX/XXXX, so I've never been late. 
I mailed them a letter two weeks ago asking for them to remove the late fee. They refuse to remove it despite me paying my bill on the XX/XX/XXXX.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please connect to claim on XX/XX/18 number XXXX I called today after not hearing from the company since last week. I received a call last week and haven't heard from them since after being promised a return call within a few days. I called the number given and extension but it went to a fast busy. I then dialed the number again and requested the person whom I spoke with last week. I was told she wasn't available and I requested a supervisor but was told that wasn't allowed. I also wanted to resolve the matter with their fraud department. I was told by XXXX operator ID XXXX that I had to send a copy of my driver license front and back. He stated the reason was because a prior incorrect approach to dial my number wasn't completed and therefore that was no longer an option to verify my identity. I was told the account would stay restricted. I am very upset that I can't seem to reach any competent person within this entire organization. It feels as if customer service is not to be expected by me the consumer and certainly not provided. I can be reached at XXXX to discuss further.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (FL)

Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.
Consumer complaint received 2018-12-10
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.

the date of 1st delinquency was XX/XX/2010 according to XXXX  & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2018-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (MD)

My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I  have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.
Consumer complaint received 2018-03-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clarfield, Okon, Salomone and Pincus, P.L. (FL)

I have been sued for two private student loans in XXXX XXXX XXXX Florida. These loans are past the statute of limitations in Florida as they are more than six years past the first payment due date in the notes. 

I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these actions to have happened at all without response to or contacting my legal representation. 

Additionally the companies have tried to present this as credit card debt and not promissory notes, fraudulently misleading the court. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case XXXX
Consumer complaint received 2024-11-02
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. (TX)

I am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 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 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 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 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 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 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 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 XXXXXX/XX/XXXX