davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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)

Credit bureau Equifax has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXXXXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting inaccurate information on my credit report. Transunion has a negative XXXX XXXX account on my report that does not belong to me. This is a violation of my rights because it is inconsistent with the other credit bureau agencies. Inaccurate information must be deleted according to the Fair Credit Act.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (CA)

This is my 3rd time submitting a complaint about having inaccurate information still reporting on my credit report. Experian is not cooperating with me on this matter and refuses to remove all fraudulent and inaccurate information from my credit profile. Experian keeps giving me the same auto-responses and they are avoiding me and refuse to look into this matter. 

It has been over 120 days & I feel like Im being taken advantage of and being ignored of my disputes. The law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I have been struggling since covid. I no longer help family members so there is no extra change on my end. My mother was helping me as well and unfortunately bills have gotten so bad she can not help me, so naturally I have gotten behind. I have tried to pay even just a little bit online, not the full payment, just to show an honest effort. This company has called family I don't even really talk to. I have had to block Regional Finance ( off of XXXX in XXXX, TX ) because the calls are too many in number. Yes, I've had to install a blocker on my phone. When I call back to tell them when I can pay something I get yelled at and the last person even threatened me by saying " well if you can't pay the whole payment then I don't want anything from you and I'll take you to court ''. We had just a little bit less than {$200.00} left until my mom 's check came in and she told me to just pay it. These people have me in tears and I hate them to the core. We get these loans because we need the help, only for things to get worse. I can only pay a little bit now and nothing over {$100.00} and they don't give a XXXX. I hate them and I want this nightmare to end. I hope others get to see this. They won't work with me at all.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Worth Finance Corporation (TX)

Covid has been really tough and I no longer have an income as well. Our house only gets two monthly checks, once a month from both SS and VA. They are not huge checks at all. My mother got the loan and cashed the check. It's basically one of those companies that send you a real check and they go from there. The company I am talking about is Worth Finance in XXXX, TX. Not only are they calling the house, which they never had the house number, but they found my mother 's cell, which is always off unless we leave the home. She was really confused and it turns out, they admitted that they did an extensive family search to find all of our numbers. I have only given them my cell because my mother doesn't understand when folks use specific wording. Therefore, I handle everything. I get upwards of almost 10 calls a day and several voice messages. It's gotten to the point to where we have no idea what to do.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I received a notification today that an item from National Credit Adjusters reported an item on my credit that is NOT MINE. The original creditor on the account is XXXX. I have never had an account with XXXX. I have disputed this account numerous times with the credit bureau 's and contacted the creditor and informed them that this account is identity theft. I have sent in the identity theft affidavit and letters to inform them that this account is not mine. I would like to request that this account be eradicated immediately.
Consumer complaint received 2021-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Can you please look the attachments XXXX, XXXX and transunion? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.
Consumer complaint received 2021-02-03
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)

Please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove these accounts from my report as I do not recognize them, they are not mine and I do not know how they appeared in my report. I am identity theft victim and please help me. I am forced officially complain about that you are reporting inaccurate and incomplete credit information.
Consumer complaint received 2021-02-03
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. (AZ)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Consumer complaint received 2021-02-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (TX)

D2 Management Representative from XXXX called me on XXXX at XXXX CST and Gave me my last 4 digits of my SS and the company name where i work. They then said I owed +/- {$550.00} on a pay day loan that they claim i used my check stub and applied for it on my account at XXXX XXXX . Number one i have never had an account at XXXX XXXX. Number two i have never EVER taken out a payday loan in my entire life. When I attempted to explain it to the lady she argued with me and said i was not correct. I asked where she got my last 4 digits of my SS and she would not answer. I then explained that i never had an account at XXXX XXXX and that i never took out a pay day loan in my life. She again said that i was incorrect. I asked for her to send me the documents showing this and she only wanted to know how i was going to settle the debt. I told her it was not mine and I was reporting them for Fraud and hung up. She also claimed, when i asked where she got my last 4 digits of my SS number, that she was recording the conversation for training purposes.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I recieved a email from legalcorp on behalf of XXXX XXXX telling me i applied for a loan online which i have but have never been approved for any type of loan online i have recieved a payday loan a couple years back but only for XXXX dollars and i admit have failed to pay them back. But in this email im told if i dont respond today im going to be sued for quadruple what i recieved if this is about the payday loan but again email states i applied online .i attached the email
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

PDM placed negative information on my credit without notifying me first, in writing, the failed to let me know That i had time to dispute this very old debt. no warnings. They illegally re-aged this account to 2020 and must've added extra fees. thats only 3 violations, so far, against me. HIPPA violations. FDCPA states a $ XXXX payment to me PER violation. They refused to send me proof to validate or substantiate their claim. They are not authorized to collect debt in my state
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (CA)

There was an inquiry on my Experian credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called Experian and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called XXXX who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to XXXX and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at XXXX today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Consumer complaint received 2021-02-03
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

In the timeperiod between XX/XX/XXXX through XX/XX/XXXX Comenity bank has repeatedly decreased my credit limit on my store credit cards purposely damaging my credit, starting with XXXX credit card in XX/XX/XXXX they continued to decrease my limit even after timely payments, once it was paid to a XXXX balance they closed it. Next was Children 's Place credit card, once it was paid they closed it also in XXXX. Currently it's XXXX credit card, I paid it down to a {$160.00} balance and they dropped my credit limit to {$100.00}, this was XX/XX/XXXX. My Victoria 's secret card has been paid on time each month, they recently dropped my limit down by {$150.00} as of XX/XX/XXXX now its my New York and Company card, on time payments, they dropped my card limit to {$150.00}, this feels like a tactic to either hurt my credit score or force me to spend more and gain more debt by closing my card or decreasing my credit card limits. I am in the process of repairing my credit score and have been on time with my payments, I need to bring my card balances to at least 10 %, Comenity continues to harm my fico because I don't get into further debt with them by using my credit cards, they rather lower my credit limit to slowly close my accounts one by one. They provide a letter stating the reasons such as no real estate, high balances on my students Ioans ( which are deferre ), not everyone has real estate and students loan balances shouldn't be a factor. I feel comenity is using a tactic because I don't spend and allow them to benefit from any further Interest off higher balances.
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi ***SEE ATTACHMENTS WITH SUPPORTING DOCUMENTS**** I was reviewing my credit again early this morning and notice that you continue to report incomplete and misleading information on my personal info, old addresses thats not required by fcra, variatios of misspelled names, phone numbers, and inconsistencies with the 3 accounts below. 

Its my understanding that youre company or organization needs to keep solid and 100 % accurate information on my credit and anything otherwise, its a violation of fcra and consumer laws. These accounts and negative info is NOT in COMPLIANT with the laws and they need to be removed. Its impossible that you actually investigated these accounts because they are still reporting different dates of last active, different dates of last payment, different payment status and history, etc. 

How is it possible that one credit bureau deletes the item or stated that I paid one-time and never late, but you continue to report inconsistent and incomplete information? How come I disputed these accounts before, but the account status was never updated.?!? How come nothing legally was sent to me to verify the account? Saying that you verified this account as accurate, is a binding legal agreement that you follow all the protocols. Well, you didnt because its still showing those negative things on my credit and Ive ccd cfpb and ftc on this matter. I demand that you delete them all ( XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

Good Day, I currently have student loans being serviced by Navient. 

I am being charged late fees with no explanation as to the time frame these fee were accrued. I paid XX/XX/2021 late fees as I did not want to accrue penalties, fines or risk a negative credit impact. 
I have received two email responses to this topic but have not been given answers that are detailed or specific to the issue. 
Here is the latest example of what I have received : Please note that XXXX billing statement shows another late fee, although I paid this last month. It seems to be an " on going '' late fee, irrelevant of whether it is paid or not. 
Thank you for any assistance with this problem. 

Navient Response : Thank you for reaching out to us regarding late fees. I am happy to assist you. 
A late fee is assessed on the XXXX day of delinquency. Commonly, the fee amount is 6 % of the monthly payment amount. 
The late fees will show as due until they are paid in full. 
You do not need to pay these fees at this time. 
Payments are applied to your account as follows : 1. ) Unpaid Fees ( if applicable ).

2. ) Unpaid Accrued Interest.

3. ) Unpaid Principal. 
If you have a FFELP loan in an Income-Based Repayment ( IBR ) plan, the payment goes first to Unpaid Interest, then to Unpaid Fees, and then to Unpaid Principal. 
The formula we use to calculate daily accruing interest is : ( Unpaid Principal ) x ( Interest Rate ) x ( Number of Days Accrued ) = ( Y ) ( Y ) Number of Days in the Year = Accrued Interest Best Regards, XXXX, Loan Servicing Specialist ref : XXXX : ref Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX