davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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)

Im filing a complaint to report incorrect credit reporting. My research showed that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies must remove items listed on an identity theft report with reference number XXXX. Attached are documents to help remove the erroneous personal information and inquiries from my report. Here are the items that were opened without my permission : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-10
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)

I reviewed my consumer reports and noticed I had two payments I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late for the accounts so I have included screenshots inside this complaint on the dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these late payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late Thanks! Please see the screenshot attached :
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 2024-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: N.A.R., Inc. (MN)

NAR Inc has not followed proper Minnesota Court procedures in pursuing an alleged debt owed to them violating Minnesota Court Civil Procedure Rule 12.01 as well as Minnesota Court Rule 5.04 ( b ) 2020 Amendments and are threatening to file a Notice of Intent to Apply For Default Judgment improperly.
Consumer complaint received 2023-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX I found out about the Navient Attorney General settlement. I had subprime private loans taken out with Sallie Mae which while attending XXXX XXXX XXXX XXXX XXXXXXXX XXXX between XXXX and XXXX. My loans had since been transferred to Navient by Sallie Mae. Per the Navient AG Settlement website my private loans qualify for discharge from Navient since I have subprime private loans due to having low credit during my school enrollment, had more than 7 consecutive months of delinquent payments prior to XXXX of XXXX, attended a for-profit school XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ran by Career Education Corporation & my mailing address on file with Navient has been in Ohio where I've resided for as long as I've been living minus the time I was attending this for-profit scam school. I've tried calling Navient between XX/XX/XXXX & today with no help from any of their customer service reps. If I ask to speak to a supervisor I get transferred back into the call que or they try to transfer me to a collection agency. When I am able to talk to a rep at Navient, they keep telling me that it isn't their decision to determine if I'm eligible, but it's up to the Ohio Attorney General who makes that determination & they should've sent me something. I reached out to the Ohio Attorney General 's office yesterday & the rep told me that isn't true & they don't have any of my information. Navient is supposed to get in contact with me about my private student loan discharge. Navient keeps giving me the run around, won't answer my questions, won't connect me to upper management, or they keep hanging up on me. I know I qualify for this private student loan discharge & should've been included in the settlement. Navient does not help me at all & I need someone to intervene. Thank you!
Consumer complaint received 2018-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Finance Co, LLC (TX)

Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXXXXXX CST. XXXX XXXX stated I had a car repossessed in XX/XX/1997.

I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. XX/XX/1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
Consumer complaint received 2024-07-11
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)

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it 150 days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX 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.

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. 

XXXX XXXX XXXX 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 2024-04-22
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: Experian Information Solutions Inc. (VA)

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-02-17
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (MA)

Again closed the credit builder account I have the screenshot says account closed in good standings.. 
And when I close it I got a refund check. 

Couple months go by they say I owed 3 months of payments and I was late XXXX XXXX XXXX XXXX XXXXXXXX XXXX! 
Talk to the people at this company ( self-financial ) lead bank ) and they were the most rudest people I've ever dealt with in my life. And now my credit suffering from their mistake is not right because they will not listen
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

Back in XXXX I was a victim of fraudulent activity on my XXXX credit card ( issued with Wells Fargo ). I put a Fraud Alert under my name and my account was closed. I paid off my last statement completely. Which included my XXXX Rent. 

However, something happened with the rent payment. And I still had to pay XXXX 's rent with my checking account even though I paid it via my most recent XXXX credit card statement. I talked to XXXX customer service and they mentioned that they gave me a credit with Wells Fargo, and that they would be able to assist me further. 

I have contacted Wells Fargo 3 times. The first 2 times they said they see a credit on my account and will mail me the check. I never received it. I later went to a branch in person to try to apply for the same credit card in order to get my credit that way, but they said I could not apply for the XXXX card at the branch ( and I need to apply in person because I have a fraud alert with the credit bureaus ). I recently contacted them again and the person I contacted did not help me at all.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your XXXX and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed using XXXX certified mail my dispute letter to TransUnion on XX/XX/24 ( see attached ). In my letter I provided all necessary information including my driver 's license, social security card and, utility bill and the detailed reasons for my disputes of these accounts : XXXX  # : XXXX HIGH BALANCE : {$3500.00}, XXXX  # : XXXX HIGH BALANCE : {$4000.00} and, XXXX # XXXX XXXX. Yet the response I received from TransUnion, dated XXXX ( attached ), complained of my not providing sufficient information for their being able to process my disputes. They stated " we are unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' As you can clearly see I provided the account name and account number and also included images of the information being disputed.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/year>, my husband and I were vacationing in XXXX XXXX XXXX XXXX XXXX XXXX 
We booked a day tour with XXXXXXXX XXXX XXXX XXXX XXXX on the nearby XXXX XXXX XXXXXXXX and XXXX XXXX. We traveled by ferry to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX was supposed to meet us in a XXXX to tour several sites on the XXXXXXXX XXXX  XXXX was over XXXX minutes late picking us up... we didn't realize until we left in his XXXX that the entire island was flooded and the majority of the roads, beaches and sites we were told we would be visiting were flooded and closed due to heavy rains. 
XXXX insisted on driving us around for several hours through flooded roads and across a flooded causeway. The caves were closed by the local governments due to flooding. We didn't get to see any of the sites that were promised. 
We requested a reduction in his price due to the lack of sites we were able to experience. He refused and insisted we pay if we wanted a ride back to the ferry! 
He THEN TOOK US TO A LOCAL FILLING STATION, XXXX XXXX XXXX XXXX XXXX who provided us with NO SERVICES and insisted we pay {$510.00} with our credit card on their merchant machine. After we paid, he returned us to the ferry over XXXX hours before our excursion was suppose to conclude. 
When we returned to the resort I complained to the concierge who suggested I dispute the charge when we returned to the XXXX. 
I have disputed this twice with Barclays who is the bank for my Wyndham Rewards Credit Card Company. They have refused to credit me because the transaction was a face to face transaction, but what choice did we have? We were in a foreign country on a deserted island and needed to get back to the ferry so we could be transported back to the island where our resort was located. He basically extorted money from us. 
I've attached all receipts and documentation showing we had email confirmation with XXXX XXXX XXXX XXXX XXXX, but the receipt for {$510.00} is with XXXX XXXX XXXX XXXXXXXX XXXX. I've also included all documentation with Barclays regarding my request to dispute this charge and credit my account, along with their denial letters. 
My XXXX XXXX with Barclays is : XXXX. I have faxed my information to them twice now. Once on XX/XX/year> and again today, XX/XX/year>. 
I sincerely appreciate your assistance with this complaint and I look forward to hearing from you. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (IN)

PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I hope all is well. Im not able to merge my Ally Auto account with my Ally Bank account. Now Im not able to see my Ally Auto account at all to make a payment or anything. Can you please assist me with merging the two accounts so I can make sure I can make a payment every month on my Auto Loan? Thank you very much for your time. Have a wonderful day!!
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC (MD)

XX/XX/XXXX - After Talking with Gregory Funding representative, On XX/XX/XXXX, I forwarded via email a copy of the letter I received from the Maryland Chief of Treasury which stated that : " This is a final bill and legal notice to the person whose name appears on this notice as per the annotated code of Maryland XXXX. Unless all taxes and fees in the arrears are paid on or before 30 days from the above date, ( XX/XX/XXXX ), the Collector will proceed to sell the property to satisfy your entire indebtedness. amount shown is valid if paid by XX/XX/XXXX. '' The amount was {$1500.00} During the month of XXXX, I contacted Gregory Funding to learn about their resolution to my problem. The dates are as followed. XXXX XXXX, XXXX, XXXX, and the XXXX. Also, on XXXX XXXX, XXXX, and the XXXX. Gregory Funding collects XX/XX/XXXX of my property taxes to ensure something like this doesn't happen. During my conversations with Gregory Funding, I assured them that I was not going to lose my home over {$1500.00} and if it was not resolved before the XXXX of XXXX, I will pay the taxes due. 

XX/XX/XXXX - I paid the property taxes and have been fighting with Gregory Funding to reimburse me since that time. 

Note : I received a letter from Gregory Funding during the week of XX/XX/XXXX, that {$1500.00} was disbursed to XXXX XXXX for the satisfaction of the XXXX property taxes. I called the XXXX XXXX XXXX and the only payment that could be confirmed was my payment. 

XX/XX/XXXX - I was informed by Gregory Funding that I would not be reimbursed for paying my property taxes.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

On XX/XX/year>, Equifax resolved a dispute I had involving ownership of an account by changing most of my personal information to that of another person due to a typo in a full social security number, including name, addresses, SSN and employment history. I have made sporadic attempts since then to correct all of these, and have finally been successful in getting them to correct everything except my full social security number. The person who actually owns the SSN they believe I do has been subject to debt collection, so I need to clear all of this up lest I incur damages due to Equifax 's typo.
Consumer complaint received 2024-09-08
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. (CT)

PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM XXXX, XXXX, TRANS UNION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}
Consumer complaint received 2024-09-08
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. (MT)

XXXX XXXX XXXX XXXX  I am submitting this complaint regarding the inaccurate reporting of a charge-off by XXXX XXXX XXXX XXXX The account in question ( Account No. XXXX ), under my name, XXXX XXXX XXXX has been paid in full, as verified by a letter from XXXX XXXX XXXX dated XX/XX/year>. Despite this, the account has been wrongfully marked as a charge-off on my credit report. 

This charge-off was incorrectly applied, and the account 's current derogatory status is not a true reflection of my financial responsibility. This inaccurate reporting is unfairly damaging my credit standing, even though the account has been fully resolved. 

I am requesting the CFPBs assistance in having this account removed from my credit report, as it should not have been charged off in the first place and is now fully paid. Please take the necessary steps to address this inaccurate reporting and ensure that my credit report reflects the correct status. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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: DISCOVER BANK (VA)

I was incarcerated from XXXX till XXXX in the XXXX XXXX XXXX XXXXXXXX. XXXX Discover Credit Cards, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX XXXX card was opened on XXXX of XXXX Once I was released, I got a copy of my credit report and I notified Discover and XXXX XXXX about these accounts and I also notified all XXXX credit bureaus about this and they removed them from my report. 
Then they were put back on my credit report because Discover and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. Discover and XXXX XXXX still maintains that they are my account and they are not. 
Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.