davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

In 2006, I applied for a student loan of {$5000.00} ( for one semester ) at XXXX. I had to do the same the next semester for another {$5000.00}. Sallie Mae picked up the loan and when repayment was due, they wanted $ XXXX  monthly. I work in retail and when you have a vehicle note and rent, that's just not possible. I spoke with Sallie Mae on many different occassion and was told my only option was forebarence or deferment. So, I did that because I couldn't afford the $ XXXX  monthly. About 4 years ago, Sallie Mae sold my loan to Navient. Same story here, $ 300-400 monthly. Finally, after digging around on their website, I found that I could apply for Income Based Repayment. My notes were supposed to be around {$50.00} for each loan ( 2 ), totaling $ XXXX monthly. I have faithfully paid that for about 3 years. Then suddenly my unsubsized loan has jumped to {$94.00} a month with no explanation. My balance has not moved and I now owe over {$15000.00} because of interest and the forbearance and deferements that I was told I needed to use because I could not pay the $ XXXX  monthly. All of my info has been transferred from the FSA website with my tax info included. I have paid thousands to Sallie Mae and Navient, only to still owe more than my original loan.
Consumer complaint received 2018-10-23
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. (FL)

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX & XXXX XXXX XXXX for account # NO ACCOUNT NUMBER, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # NO ACCOUNT NUMBER lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (GA)

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2018-10-23
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. (CA)

I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-22
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)

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )
Consumer complaint received 2018-10-24
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. (MS)

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX  XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (GA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Liberty Holdings, LLC (MO)

A very loud and rude threatening call several times, left voicemail. Calls come from an unknown number and the voicemail is threatening and calls me by my first name, and then says it is someone elses account. Made numerous threats and left this phone number to call back. XXXX. I called it back the lady said her name was XXXX XXXX and I could hear the other woman screaming the same script to someone else on another line. I repeatedly asked they do not call my home again.
Consumer complaint received 2019-03-27
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. (CT)

I have contacted Equifax by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Equifax to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Consumer complaint received 2019-03-27
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

I have held a mortgage for over 27 years with no issues with credit reporting. In XX/XX/2019 & in the process of changing my payor banking accounts, I inadvertently failed to pay my monthly mortgage to Wells Fargo. On XX/XX/XXXX, Wells Fargo filed a 30 days credit report. Prior to Wells Fargo filing the credit report, I never received a phone message, an email, or a letter from Wells Fargo to inform me they had not received my payment. ( WF claimed they called on XX/XX/XXXX but did not leave a message. I see no such record on my call list. ) On Saturday, XX/XX/XXXX, I finally received a call from a Wells Fargo representative who informed me of my delinquency. I immediately sent in my payment. This representative even waived my late fee. The following Monday on XX/XX/XXXX, I then sent a written request via fax to Wells Fargo and asked them to recall the 30 day credit report. My WF representative was XXXX XXXX. She simply refused stating they had no power or authority to do so. I asked to speak to a supervisor but no supervisor has called me back. I have asked if I could provide any additional evidence and no one has given me guidance or a forum to plead my case to a higher level where the goodwill recall and discretion can be given. The 30-day credit report will affect not only my credit score but my security clearance for which my job is dependent. I believe Wells Fargos actions are unreasonable and without any regard to true customer service and appreciation. I question their practice of filing a credit report so quickly when actual contact was not made with me. ( The first letter I received was the week of XX/XX/XXXX dated by XXXX in XX/XX/XXXX, the day the crrdit report was file. ) I am begging for mercy.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, XXXX XXXX XXXX, TD Auto Financial. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Consumer complaint received 2023-10-14
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. (IL)

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number : XXXXXXXX XXXX, Account number : XXXXXXXX XXXX, Account XXXX, XXXXXXXX, Account XXXXXXXX XXXX Account XXXXXXXX XXXX  Account XXXX, XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX Account XXXX, Account XXXX, XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX. These accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an 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 ) (! ) 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.

.

These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Consumer complaint received 2023-10-14
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. (NY)

Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( XXXX ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

I have been paying on my student loans since XX/XX/2016. I have been enrolled in the Public Student Loan Forgiveness ( PLSF ) program since XX/XX/2016. XXXX XXXX XXXX is improperly tracking payments. They have tracked 12 payments for me since that time. I have called to get adjustments and they have failed to do so. When speaking with a representative they say all my payments have been tracked. i have made 31 payments and followed all the re-certification required. XXXX XXXX XXXX is not abiding by the program rules and in tune not tracking payments. 

I attached statements to show the improper tracking over the last year. I am not able to retrieve earlier statements.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (CA)

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX XXXX , XXXX XXXX  XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2023-10-15
Product: Credit 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: DISCOVER BANK (CA)

I have a credit card with Discover and for the past 3 months I have been fighting with them about fraudulent charges made on my account. 

Since the fraud my card has been locked and more purchases keep appearing on my account! From the same XXXX merchant! They wont give me details on the merchant and XXXX wont help me since it wasnt purchased under my account! 

The amount of purchases has now set me into an overdraft and has affected my credit scare by XXXX points which is a horrible outcome considering my marriage later this year. 

The charges include but arent limited to : XXXX ) Sunday, XX/XX/XXXX ( the first fraudulent charge, reported immediately ) for XXXX to an XXXX merchant. This charge was returned to my account and verified as fraud. I chose to lock my card. I didnt bother getting a new one as I was going to pay off Discover and close my account as this isnt the first time this has happened. 
XXXX ) Sunday, XX/XX/XXXX. Another purchase made to XXXX for the SAME total. XXXX to the same merchant. This was reported and fixed on XX/XX/XXXX when I requested a new card anyway for added protection this time while keeping my account frozen. They refunded the total. 
XXXX ) Monday, XX/XX/XXXX. Despite a new card completely and a frozen account my credit card was charged XXXX XXXX to the SAME XXXX merchant. I have not yet even received my new card and the purchases are being made.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I m having a problem with Equifax I can't see my credit score from them through privacy guard second I try to reach out through them but I can't get through when someone finally answer they can't speak English I would like to know what are they hiding in my report that I can't lay my eyes on. please have them respond to my complaint so that I can resolve what ever problem on my credit.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I would like for A checking account that WAS NOT OPENED BY ME TO CLOSED OR DELETED FROM MY SOCIAL SECURITY NUMBER. BECAUSE THEY CALL MY PHONE CHARGING ME MONEY FOR AN ACCOUNT UNDER MY NAME WITH A MIDDLE INITIAL STARTING WITH THE LETTER " XXXX '' I HAVE NO MIDDLE INITIAL SO THERE FOR IT WAS NOT ME. THERE FOR IT IS SOMEONE TRYING TO DO FRAUD UNDER MY NAME. I FOUND OUT THAT SOMEONE HAS BEEN USING MY SS # SINCE I WAS A MINOR. I FOUND THIS OUT WHEN I TURNED XXXX DUE TO MY H'R TELLING ME DURING THE HIRING INTERVIEW
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, 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. (CT)

I applied for a mortgage with XXXX on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager XXXX XXXX XXXX XXXX Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX Home Mortgage Consultant NMLSR ID XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).
Consumer complaint received 2018-10-22
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. (CA)

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TN)

About XX/XX/23, I noticed unauthorized usage and interference with my cellular device that allowed another person to view my personal information and intercept transaction made with my debit card online. I verified the activity with the merchant on XX/XX/23 that confirmed the activity as theft. After filing a police report for the theft and activity, I reviewed my transactions previously made and I noticed multiple decrepencies in which I reported to my bank without delay. My bank has requested that I submit an affadavit in which I returned the same day via email as previously allowed ; the bank 's policy is to provide temporary credit for the transactions in which has not been applied as an intentional delay due to unsupported accusations due to prior issues with the account. Past disputedms filed on the account is due to long-term ongoing issues regarding harrassment described by my local laws as XXXX XXXXXXXX where my previous partner is consistently relocating along with me to unlawfully pursue me and monitor the activity on my device through the tampering with my device accounts that have been documented and reported.