davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX is reporting to Equifax and XXXX as current 120 and 180 days delq for an account that was charged off in XXXX for both of us- XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete 4 rounds of dispute letters to both Equifax and XXXX and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
Consumer complaint received 2023-07-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Steel Lending Group LLC (TX)

Vehicle sold in XX/XX/year> by way of fraud and deception. Lienholder sold vehicle without title rendering buyer unable to register the vehicle. 

The lienholder is a scammer and is committing fraud.
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (FL)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX  Account name : XXXX XXXX XXXXcount name : XXXX 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting 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. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-07-28
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. (DC)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

I haven't been provided with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that XXXX XXXX has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that XXXX currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication and remove from my credit report
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX on XX/XX/2021 XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my credit reports, and I have XXXX new loans with XXXX / Dept of Ed. Both originated on XX/XX/year> ( but the loan appears to go back to XX/XX/year>. XXXX loan is for {$1100.00}, and XXXX loan is for {$2000.00} ( now {$2000.00} with interest ). I have not been in school for nearly XXXX  years. I didn't open these accounts.
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

The Shellpoint Mortgage Servicing ( https : //www.shellpointmortgageservicing.com ) forced me to buy Lender Placed Hazard Disbursement in-spite of us providing it.Even after providing the certificate of proof and multiple followups, they are not refusing to remove it or stop charging me every month for it. 

As a result they have bumped up the ESCROW payment by about XXXX  a month, they always say they are going to fix it once their insurance department verifies it, but they have not done anything for over 3-4 months. 

Meanwhile, in XXXX they reported delinquency in payment to credit bureau and chose to spoil my and my wife 's credit report rather than addressing the problem. 

Yesterday, I spoke with them again and their representative told me that they " might '' be able to reconsider as it has been a while ... .And promised to get back to me but no one called me back. I also asked the representative to initiate a complaint but he did not do anything about it. 

The mortgage provider is well aware that we are trying to get this refinanced, their refusal to address the issues, raising my payments, and reporting to credit bureaus. 

I and my wife have called them at least 10-15 times  regarding the same issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 2024-10-03
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. (FL)

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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 informationisinaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I received private student loans originated by Sallie Mae between XXXX and XXXX and later transfer to Navient. From that point, my private student loan balance from {$20000.00} something to {$120000.00} over 19 years. Due to misallocated payments, my balance has been within the range from {$120000.00} to {$130000.00} over 5 years. It is no way of determined how the calculations are done because they only show the balance and no history of the variable interest rate from XXXX to XXXX with the original loans from Sallie Mae before being transfer to Navient.

As of today, I requested documentation showing agreement for payment extended to XXXX. I have been paying on student private loans over 10 years and the balance has been the same. I am being charged interest daily, so I will never be able to pay down balance. In XX/XX/XXXX, I have documentation showing student private loans balance was {$26000.00} something XXXX. In XX/XX/XXXX, my balance is {$120000.00} something. With variable rates, this is the highest it has ever been ranging from XXXX XXXX percent. 

After requested documentation from Navient on the phone, the representative stated, I agreed to the extended payment plan to XXXX. I didn't agree to the extend payment plan to XXXX and I do not have any documentation agreeing to a extended payment plan. I am not on rate reduction plan. I am paying the amount based on the interest of loans. Recently, I paid extra on one of the loans and noticed the balance decreased and increased at the same time. I didn't signed a promissory note agreed to those terms and conditions of the loan. They have created their own terms and conditions. This is fraudulently and I need help with getting assistance with Navient cancelled these loans due to lack of no documentation. 

Currently, I am paying interest and principal of the loans and being charge interest daily for each loan. I am not in grace period, deferment, or forbearance.
Consumer complaint received 2022-02-04
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX-Balance {$14000.00} XXXX XXXX-Balance {$1300.00}
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2016-08-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (AL)

As an Ebay user i have purchased many items thru PayPal using my secured password, but now my entire credit card & bank account information is listed on Ebay automatically, that includes my PayPal password as well. I have never received any information to allow instant transactions with Ebay thru PayPal, not from Ebay, or PayPal. This is an invasion of my privacy by Ebay, and a security breach by PayPal. The whole reason to use PayPal was to protect my privacy from Ebay and other companies that i purchase item from.
Consumer complaint received 2023-04-09
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. (OH)

Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, Equifax, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Equifax permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen.

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-10-30
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. (NY)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

On the first week of XX/XX/year> I paid in full amount the balance of my Costo CitiCards and sent thru US mail. Apparently, somehow Citi didn't receive it until a few days before the due date. Just before the due date I receive a message ( or telephone call can not remember exactly which ) that Citi has not received my checks. I called Citi, asked them to charge the due amount from XXXX of my bank accounts. At the same time I emphasized that I will stop payment my mailed checks. Citi was paid the amount in full electronically from bank account and I did stop payment for the mailed checks. 
Almost afterward, apparently Citi received my checks and clearly bounced back as my own action of STOP PAYMENT. 
Just afterwards my Citi Credit card was deactivated. 
I called Citi. The gentleman ask me to reapply. I did and rejected. 
On XX/XX/year> I sent a US mail certified letter to Citi to inquire the reason my application has been denied. The following reply received : " The credit privileges on your existing account ( XXXX ) are currently restricted. ''
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (VA)

I checked my credit reports, and I have two new loans with Mohela / Dept of Ed. Both originated on XX/XX/year> ( but the loan appears to go back to XX/XX/year>. One loan is for {$1100.00}, and one loan is for {$2000.00} ( now {$2000.00} with interest ). I have not been in school for nearly 20 years. I didn't open these accounts.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX ( XXXX minutes ago ) to XXXX XXXX Dear XXXX and XXXX XXXX It came to my attention today XX/XX/23 my car care card was closed with a {$1500.00}. 
as statement shows payments made on time and very little interest paid. 

Also, find the Walgreen account that was reduced to a {$500.00} credit limit with a {$1500.00} credit limit card.

Please allow me to open another account and restore credit limits for Walgreens and Car Care. It is not fair when the credit report shows no delinquency recording Synchrony Bank open accounts. They are committing fraud to my accounts. 

Thank you for your concerns and consideration. 

XXXX XXXX Synchrony Bank according to the Credit report and account information reported fraudulent information based on accounts that were not delinquent and closed accounts or reduced line of credit. As you can see as of Credit Report I have not missed a payment. XXXX is paid off through a settlement with XXXX. 

SYNCB/XXXX  XXXX XXXX XXXX XXXX XXXX statements.

SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CAR CARE XXXX XXXX XXXX XXXX SYNCB/WALGREENS XXXX XXXX XXXX