davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

Dear FTC and CFPB, I am writing to file a complaint against CREDENCE RESOURCE MANAGE. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On  XXXX   XXXX ,  XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH.     Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor.     I was finally transferred to  XXXX   (  alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with  XXXX  regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my  Private and Federal  Loans. I made  XXXX  change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked  XXXX  to remove the delinquency as it was  Navient 's fault and he stated that I had to submit a written dispute to  Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed.  XXXX  then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my  Federal Loan AC H payments.     I proceeded to setup my Federal Loan ACH automatic payments in  XXXX  and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the  XXXX  due date. I made the payment of {$380.00} on  XXXX / XXXX / XXXX . The website was calculating  XXXX  payments because as of  XXXX / XXXX / XXXX , I do not have an amount due for  XXXX / XXXX / XXXX  on my Federal Loans. My  Private Loan  still has a payment scheduled for  XXXX / XXXX / XXXX  of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in  XXXX  where people do not understand the issues.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

1 ) M y husband and I moved to Nebraska where Bank of America does NOT have any branches, and I have had technical difficulties setting up auto debit from an external checking account. As a result, I have been charged late fess, my credit limit was lowered, and I believe derogatory information was sent to the credit reporting agencies.      2  ) Auto-debit ( including from third party checking accounts ) is a feature that is advertised on their website.      3 )  I have made many good-faith attempts to set this up on the website, and my last attempt was on  XXXX   XXXX  where I used the online chat feature on the Bank of America website.      4 ) I  gave the operator my routing and account numbers for our  XXXX  checking account.   I requested that he/she debit the payments due from that account, and to setup auto-debit to have recurring payments from said account.   But this did not occur due to " lost network connectivity '', per the phone conversation with "  XXXX  '' and my husband on  XXXX   XXXX .   When I saw that the payments did n't go through as expected in  XXXX , I tried calling the Bank of America number several times, but the hold time was too long ( more tha n 30 minutes ) 5 ) My hu sband finally reached Bank of America on the phone on  XXXX   XXXX  with  XXXX  and the credit card accounts are now current.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In  XXXX   XXXX  we signed a Modification agreement with  Carrington M ortgage and was told we needed to go ahead and make the  XXXX ,  XXXX , &  XXXX  payments to be caught up. Each monthly payment was for {$330.00}. So we sent in  3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for  XXXX   XXXX .  Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total   of 28  payments and in fact we missed  XXXX  and  XXXX  of  XXXX  payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since.  XXXX   XXXX   Made  2 years since our first missed payment and we signed and paid monthly payments for  XXXX  to present of this year of  XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement.   Payment informati on Loan Number :  ... ... ... ....   Next Payment Due :  XXXX / XXXX / XXXX  Total Due : {$940.00} Previous Payment Received :  XXXX / XXXX / XXXX  My further comments : ( {$330.00} of the above total is due for  XXXX / XXXX / XXXX  the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )
Consumer complaint received 2024-09-29
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. (CA)

To whom it may concern, I am writing to express my profound frustration regarding the mishandling of my credit file, which has been a source of severe hardship for me and my XXXX children. This letter serves as my third formal complaint, and I am prepared to take legal action for negligence if this matter is not resolved promptly.

For nearly two years, my credit report has incorrectly merged with another consumer 's file, leading to ongoing distress and complications in my financial life. I have contacted Equifax multiple times to rectify this issue, including significant efforts in XX/XX/XXXX and XX/XX/XXXX, where I provided extensive identification verification, including my drivers license, social security card, and verified bills. During both calls, I was assured that the inaccuracies would be addressed and that I would receive updated credit reports. However, no such reports have ever been sent to me. 

In XXXX and XX/XX/XXXX, I attempted to access my credit report through Annual Credit Report.com but was unable to do so, being instructed to contact Equifax instead. On XX/XX/XXXX, I verified my identity yet again and was informed that the erroneous information was still present. I disputed this issue during every call, yet I received no follow-up or updated report. 

Most recently, on XX/XX/XXXX, after yet another round of verification, I was told the necessary documentation was in the system, but I was still asked to provide additional proof of address to move forward. When I requested to speak to a supervisor, the call was unexpectedly disconnected. 

This ongoing negligence violates the Fair Credit Reporting Act ( FCRA ). Equifaxs failure to remove or correct inaccuracies has severely impacted my ability to obtain credit, causing financial strain for my family. On XX/XX/XXXX, I managed to dispute the name discrepancy ( Confirmation # XXXX ), yet the erroneous name still appears on my credit file. On XXXX first Confirmation # XXXX ) was completed and removed under OTHER NAMES ; However, the file name should be XXXX XXXX and the INCORRECT NAME OF : XXXX XXXX XXXX XXXX is INCORRECT AND NEED TO BE REMOVED IMMEDIATELY. 

After contacting Equifax again on XX/XX/XXXX, I submitted the same documentation for the sixth time for XXXX XXXX which was verified through a XXXX attachment sent directly to my email attached to credit file. I received confirmation ( Case # XXXX ) but was met with yet another email on XX/XX/XXXX stating that my investigation was complete and instructing me to submit the same verification procedures that was already completed to update my credit file to XXXX XXXX. 

It is unacceptable that Equifax continues to request repeated documentation while failing to update and remove the incorrect name and file. This negligence is not only frustrating but has also led me to consider legal action for damages related to the impact on my credit report.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX  credit report but not the Experian and XXXX  reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. XXXX  and Experian are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both XXXX  and Experian asked me to send in my request by mail ( XXXX  also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies seeing how careless they have been with consumer data before.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UXXXX 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  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

These Hard Inquiries don't belong to me, it hasn't being authorized by me and has to be removed. 
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
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have a XXXX XXXX XXXX loan reporting incorrectly on my credit. The account was paid in full and the account is closed .. Its still reporting as open with a balance and I will like it to be updated correctly or deleted from my credit profile due to my rights of fcra.. I will be submitting proof account was paid in full
Consumer complaint received 2017-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Since  XXXX    XXXX   I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in  XXXX . I submit all of the required paperwork and I start calling at the end of  XXXX  to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in  XXXX . I called the first week of  XXXX  and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me  XXXX   XXXX  and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until  XXXX  to reapply. I informed her the plan expired at the end of  XXXX  and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until  XXXX . She then told me that she would call me on  XXXX   XXXX  and actually scheduled an appointment with me. However, I never received a call back  XXXX   XXXX . I called Navient on  XXXX   XXXX  to discuss my application. The first person I spoke to on  XXXX   XXXX , tried to tell me that I had a past due balance of over {$900.00} because  XXXX  's payment never processed. When I log into the website, it shows that the payment for  XXXX  was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in  XXXX  and  XXXX  and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated!