davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. (FL)

Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear XXXX, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : XXXX. Incorrect XXXX XXXX Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the XXXX XXXX XX/XX/XXXX XXXX Texas account XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

XXXX Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the attorney general of XXXX This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports. 


Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PA)

I have a Dicks Sporting Goods XXXX ( through XXXX Bank ). The last XXXX  years i have been on XXXX waiting on a XXXX transplant. The first XXXX years and prior to my illness all payments were made as you can verify as i was able to work XXXX. The last XXXX years i was only able to work part time. I fell behind and was unable to make minimum payments, but was still paying as i could. Around XXXX of XXXX Dicks locked me out of my account so i was unable to make payments or get copies of my submittals to them regarding my hardship. I spoke to several agents who called all day and night to collect money and explained my situation to them. I was told they had no program available and the minimum payment owed per month must be paid, which i could no afford. I was then sued in XXXX of XXXX. The hearing was today in which a judgement was filed against me. Which i plan to appeal. I feel my right were violated. How can we allow a bank to not have some type of hardship program. I have done this with other credit cards during my health issues. They freeze the card and take a payment until paid up to date then reactivate the card. No credit hit. No lawyers and extra fees. But this is what we allow them to do I guess. It just doesnt make sense. In addition refusal of allowing me to provide my online submittals asking for hardship help prohibited me from defending myself in court
Consumer complaint received 2024-06-11
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. (FL)

Identity theft and improper use of my credit and information.I have no knowledge of none of these hard inquiries, it wasnt done by me and I never gave any consent to use my credit information From these companies : XXXX XXXX XXXX Inquiry : 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 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 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 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 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 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 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (LA)

During the month of XX/XX/, I attempted to go online to pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses.

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/2024.
Consumer complaint received 2024-06-12
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. (CA)

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was not eligible Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was eligible for forbearance, they put me on a plan where I was paying XXXX percent interest, and the interest was still going racking up really high. Now, the interest rate is up to XXXX XXXX. They call me constantly even when Ive paid my bill. Im unable to focus at work at the XXXX XXXX XXXX XXXX XXXX They call me email me write me its constant even when I have paid my bill they refused to reduce the interest rate, they forced me to sign up for electronic statements. I couldnt view my account and then they deducted thousands of dollars out of my account and one sweep because they said they had permission from the automatic payments and my program had ended and if my program had ended why had they not ended their access to my account, this is criminal. They need to be charged for that. They did not let me know. This is what they were going to do because they forced me to sign up for electronic statements or else I couldnt go to the next screen. I can never get into my account. Im always working late at XXXX XXXX and unable to call and talk to them, they are constantly harassing me and I am tired of it. This is unacceptable.
Consumer complaint received 2024-09-27
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: WELLS FARGO & COMPANY (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-02-18
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. (MI)

On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

I believe PNC bank committed fraud because when I opened my account, I was informed that I was in a loyalty program and rewards meaning when I made certain purchases I would receive points, rewards, etc however, I never received anything and I made lots of purchases every month using my debit card.
Consumer complaint received 2023-12-07
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. (MO)

This erroneous reporting is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

XXXX  Case # XXXXXXXX XXXX Case # XXXX With the above referenced complaint numbers that I filed with Mohela, I was informed I would recieve resolution 14 business days after the complaint submission date, and if no resolution I would recieve my refund 30 days after that from Mohela and 90 days from the US Treasury, neither of which has been recieved.

Each time I have called I recieve different information and no resolution. 

I am owed over {$56000.00}.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My complaint is that Mohelas website is not user friendly and information is not made plain to me as a borrower. I very much intended to make payments on time, and set up auto payment but now all of my payments for XXXX and XX/XX/year> are being applied only to interest and not the principle of my loan. I believe this is unfair as I have to click on many different pages in order to receive information about when I owe payments manually vs when payments are auto deducted. Due to the lack of accessibility of payment information I am now only paying interest and not principle. Yes i was sent a notification but the titles of these were misleading, it wasn't until my payment was past due that I was informed I needed to make a manual payment for XX/XX/year>. What can be done? Thank you.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MI)

syncb/care credit is reporting on my credit that it is currently an open account and that I owe them XXXX even though the debit does not belong to me shows Im using XXXX XXXX  credit used thr credit limit says XXXX $ and that the highest balance was XXXX $ its affecting my score date of last payments says XX/XX/year> I do not own this debit so I shouldnt be penalized for it
Consumer complaint received 2019-06-27
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. (GA)

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX   XXXX reported the account XXXX days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX  XXXX  to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I have asked Mohela multiple times not to place my account into forbearance because I am working towards PSLF & they have done exactly that 4 times now. It is impossible to get anyone on the phone. Messages sent do not get a response. I have been moved from servicer to servicer for my student loans, but this has been a complete disaster & is just getting worse by the day. 

MOHELA is terrible at servicing student loans. Borrowers routinely document egregious servicing failures, including hours-long wait times to get help, delayed and lost paperwork, and incorrect information across MOHELA 's website, email communications, and social media. They have a complex call deflection scheme, which diverted borrowers away from help, even when it knew that millions of borrowers had problems that could only be solved by a live person.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Assoc has willfully damaged my credit with putting false information on my consumer reporting file. Dating account as of XXXX XXXX2024 They have not provided a direct contract with them. This third party collector didn't show proof they are in house on this collection. I have no direct contract and they have no authorization to collect a debt. Company charged it off and is now considered income and cant be reported on my consumer file as per the IRS certificate of indebtedness publication 4681 my privacy has been violated - Privacy Act of 1974 FTC FDCPA I want this reporting removed for all reporting agencies immediately.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I have been in pay of my student loans since XXXX. I still owe {$600000.00} Loan provider was XXXX XXXX and i attended school from XXXX. 
I attended XXXX University and XXXX XXXX in XXXX, Kentucky. 
Both schools got sued by the Attorney Generals Office of Kentucky in XX/XX/XXXX. I will attach document. Under the terms of the settlement, XXXX University, which owned XXXX, has agreed to forgive more than {$1.00} million in private loan debt and provide other benefits to XXXX students who attended XXXX and received an institutional student loan between XXXX XXXX, XXXX, through XXXX XXXX, XXXX. My complaint is why am I still in pay why my loan was not forgiven? And why are they not providing an adequate repayment options for people who are not working? And why did I not qualify for Student loan forgiveness under the Lawsuit filed in XXXX. 
Please find screenshots on my Loans. Now serviced my Navient and moving to XXXX XXXX XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number XXXX. 

Account Name : XXXX Account Number XXXX
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against TransUnion regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that TransUnion used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. 

The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. 

I sent my request for the method of verification to TransUnion via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that TransUnion received the letter on XXXX XXXX, 2024. Based on this, TransUnion was required to respond to my request by XX/XX/year>. Today is XX/XX/year>2024, and I have still not received any response or acknowledgment from TransUnion. 

This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.