davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2019 I sent a letter to dispute items erroneously reported on my credit report. On XX/XX/2019 Equifax replied with an updated credit report stating that everything was verified! On XX/XX/2019 I sent another letter asking for Method of Verification, according to USPS this letter was received by Equifax on XX/XX/2019. According FCRA, CRA has 15 days to reply with Method of Verification. I hadnt received a response as of XX/XX/2019. I proceeded to send a follow up letter on XX/XX/2019 asking for verification once again. On XX/XX/2019 Equifax sent a response which was another copy of a credit report. The Method of Verification was not included. Today is XX/XX/2019 to date I havent received Method of Verification. Equifax continues to report misinformation on my credit report and this is causing a hardship!

Please promptly remove the items erroneously reported.
Consumer complaint received 2019-06-11
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. (NM)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-12-26
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: DriveTime (GA)

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (AZ)

Latest date of phone call - XX/XX/2019 XXXX MST This company, identified as Radius Global Solutions , has been using their call center in XXXX to spoof local phone numbers and make harassing phone calls that violate several sections of the Fair Debt Collections Practices Act. These include : repetitious phone calls that are intended to annoy, abuse, or harass, calling without telling who they are, and calling before XXXX XXXX. 

The supervisor on duty at the time of calling was XXXX XXXX ( spelling is not clear, he refused to spell his name ). 

Typically, they hang up without leaving a message. However, on this latest call I was able to answer. By the use of their XXXX call center employees, the company misrepresents the nature of the call as well as refusing to provide more information to rectify simple mix-ups like wrong numbers. 

This company has been told several times that they are calling a wrong number and although they indicate the number has been removed, they continue to call from different phone numbers. They refuse to answer questions in order to rectify the calls and simply hang up when more information is requested. They also refuse to provide simple and non-protected information about the nature of the call and their business. Through the use of repeated harassment and very early morning calls the attempt to bully people into paying questionable debts is clear. 

Additionally, I have received calls from this company several times per week for months, despite repeatedly telling them that they have a wrong number. In short, their communication tactics are abusive, threatening, and unprofessional even when dealing with a simple wrong number. It is doubtful they are better when conducting legitimate business with actual cases.
Consumer complaint received 2019-06-11
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. (GA)

There are several items reporting incorrectly on my credit report due to fraud or error : Incorrect personal information reporting on my credit file : Telephone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Correct Contact Number : XXXX Incorrect Account Status : There are 8 accounts reporting that I was late and I was never late. 

Dept of Education/XXXX - I was never late.
Consumer complaint received 2019-06-11
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. (MS)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (IL)

RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

Good morning. I recently filed and got a repayment plan in place which is suitable. Where I am having problems is that I worked in the nonprofit sector serving under served communities for 15 years and NAVIENT won't allow me to file for loan forgiveness. My student loans from XXXX University and Virginia XXXX for the most part would fall under the forgiveness. 

My loans have changed hands ( 4 ) times. First with the banks, then XXXX XXXX XXXX, then Sallie Mae and then NAVIENT. I filled out the form with XXXX and Sallie Mae and since my loans are with NAVIENT the forms have been lost and they ( multiple representatives ) said I can't file for it. 

I need help getting my loans forgiven, I need a manager from NAVIENT to speak with me that has knowledge of loan forgiveness and is willing to assist in this matter because I have served my community and would like the loans to be forgiven. I was calling NAVIENT between XX/XX/XXXX-XX/XX/XXXX and never got anywhere with them. One woman told me in the summer of XX/XX/XXXX that I should have filed paper work when I started working out of college in XX/XX/XXXXand I explained to her that I did many years but my loans have changed companies numerous times and that I should not be penalized for it. 

Can someone please help me. I appreciate it.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... XXXX XXXX XXXX/XXXX
Consumer complaint received 2019-06-12
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. (HI)

I have disputed the late payments on XXXXL XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-11
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. (NC)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX )  XXXX****, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**XXXX , XXXX XXXX XXXX****
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX   XXXX XXXX  XXXX ; XXXX/XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX
Consumer complaint received 2019-06-10
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax sent several letters stating they have no credit file for me. 

This pertains to the following accounts : XXXX XXXX acct ending XXXX amount {$660.00} XXXX XXXX acct ending XXXX amount {$3800.00} XXXX XXXX amount {$260.00}
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (GA)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (NJ)

There was nothing to explain further I have been sending letters to Experian and XXXX and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX & XXXX
Consumer complaint received 2019-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute back in XX/XX/2019 and it still says its open and it should take 30 days for the results. Still no response and its 4 months later? I filed several disputes for all the unknown collection accounts on my credit report! None of them have any answer to my disputes
Consumer complaint received 2019-06-12
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. (TX)

XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX  XXXX {$890.00} {$700.00} 128 % Revolving Negative XX/XX/XXXX XXXX XXXX- XXXX {$11000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank has punished me and my family by freezing all my accounts. I can't make any purchases anything. I was having some financial difficulties after I lost my job and instead of this bank understanding my situation they were calling me about 5 to 6 times daily demanding for payment. I got up to the point that they were calling me at XXXX XXXX and late at about XXXX XXXX. I couldn't believe what was happening and they kept apologizing for it and I told them that I do understand why the frequent calls. I also told them that I know they need to collect their money, but calling me on an everyday basis and that frequent wasn't going to help me generate income. I told them to stop calling me so frequent. 
I wrote a letter letting them know that I recently lost my job and that I was looking for work and for them to stop making so many frequent calls because it was psychologically affecting me and my family. I couldn't believe what was going on and because I express how I felt and told them to please have some consideration and as retaliation Comenity Bank ordered his employee to freeze all of my credit lines because I told them to stop calling me so frequent. I have not been able to do any purchases in a period of two months because of their retaliation against me. I want to know if this is ok because I have recently made payments and found employment. Can you please help me recovered my credit lines, please.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A. (VA)

I was the victim of a malicious chargeback fraud attack from a payment processor. A legal practice has been attempting to collect a debt ( not the original processing company ) much against my confusion and what I believe to be NOT of my own personal liability. 

This company has refused to respond to my negotiations and has now blocked me. I have not been disagreeable or offensive in any way and have attempted negotiation. Theyve threatened to sue me multiple times and Ive made PROVABLE efforts to send payments to the ACTUAL COMPANY NOT THESE FALSE REPRESENTATIVES. 

They are attempting to collect a debt that is NOT theirs and claim Im in breach of contract. I have NO contract with them. My obligations, if any arguably, are 100 % NOT on par with the company claiming to represent them.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-10
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XX/XX/XXXX, 2019-requested complete account history including payment history-received incomplete history from PRA. 
XX/XX/2019 -submitted another request stating documents received were not complete history and didn't include payment history. 
XX/XX/XXXX, XXXX- sent letter stating PRA did not complete my request within 30 days and account must be removed from credit report. 
XXXX XXXX- account was removed from my credit report as requested. 
XXXX XXXX-account was relisted on my credit report with no notification from PRA. 
XX/XX/2019 - sent demand letter to PRA stating they violated FCRA by not completing my initial, multiple requests within 30 days as well as violating due to putting account back on my credit report without notifying me. 
XX/XX/XXXX, XXXX-emailed PRA copies of previous requests mailed demanding account be removed from credit report. 
XX/XX/XXXX, XXXX-received notice from PRA that since I didn't respond to their " request for further information '' the investigation is closed - never received any such request via mail or email. 
This company is in clear violation of multiple FCRA laws and this account should be removed from my credit report immediately.
Consumer complaint received 2019-06-11
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. (NC)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I had a credit card with Pentagon Federal Credit Union that was charged off a few years ago. A year or so after it was charged off, they sold or transferred the delinquent account to a third party. To this day, they are continuing to report a current balance on the account to the credit bureaus. According to Metro XXXX Reporting Guidelines, if they have sold or transferred an account to a third party, they have to report the balance on my credit reports as XXXX.
Consumer complaint received 2019-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake