davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (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. 

XXXX  XXXX XXXX - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S Bankruptcy Court - Account # ( Reference Number ) 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 an 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 2024-01-03
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: SYNCHRONY FINANCIAL (PA)

Verizon Visa Synchrony card was being used for autopay on my Verizon wireless account. I changed carriers to XXXX on XX/XX/2023 and paid my remaining balance due to Verizon on their Synchrony of {$160.00} on XX/XX/23. I paid off the remainder owed on the phone contract with Verizon directly to the carrier ( {$1200.00} ). They charged me another month after the phones were fully ported. I sent them the documentation with a request to not allow any further charges on this account and to remove the {$240.00} which was charged after the phones were no longer in service with them. They continue to send me a bill for {$240.00} and they have made it impossible for me to access my account online. 

Synchrony Bank credit cards have been problematic in the past as well. I think their tactic is to make it so difficult to remove bogus charges that people give up and pay them.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Mohela is not applying the PSLF ( public service loan forgiveness ) XXXX XXXX waiver to my XXXX payments that would grant me immediate forgiveness.I have been trying to resolve this nightmare for 2 years. Mohela refuses to listen or try to resolve this matter.
Consumer complaint received 2018-08-28
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)

I have contacted XXXX XXXX, XXXX and Equifax on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
Consumer complaint received 2018-08-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I received a communication from a collection agency XXXX XXXX XXXX XXXX for a {$6800.00} XXXX XXXX XXXX Charge. Since my insurance company claims that I should only be billed {$650.00} for an emergency room visit - this amount being charged in the first place was astounding. I stated my surprise that this was in collections since I was talking with the hospital at the time as well as my insurance company as to what was going on. 

In XXXX a case with the XXXX California - State Fair Hearing for Covered California was opened and a response was issued that the hospital was charging on a cancelled insurance policy and not the current XXXX XXXX XXXX HMO plan. The resolution of this was handed down in XX/XX/XXXX that the triple charging of a XXXX XXXX XXXX HMO for XXXX and XXXX was cancelled as never effective. 

It was then the responsibility of the hospital to resubmit billing under the correct Plan. Which the hospital stated in a collection call to me in XXXX of XXXX. But they stated that instead they has sent it before their charitable fund committee and I was granted a reduction from the now {$7000.00} bill down to {$3500.00}. When I asked to make payment arrangements I was told that it had already been sent to collections and that I need to contact them if I could not pay the full {$3500.00} on demand. 

On XX/XX/XXXX - An attorney service XXXX XXXX wrote a formal dispute letter to XXXX XXXX XXXX XXXX on my behalf asking for immediate investigation of the facts and circumstances concerning the matter and a response of " at a minimum, immediate cessation of any further collection activity against this account and immediate deletion of any and all negative credit references against her. '' XXXX XXXX did not comply and continued to report on my Experian credit report of my delinquency on this account as of XX/XX/XXXX. 

When I contacted XXXX XXXX XXXX XXXX again, I was told that " Thank goodness I had called in when I did because my account was up for review to have my wages garnished. I then stated that under duress and payment under protest that I would start paying on this as the absolute refusal to comply with accurate medical billing practices and the threat of wages being taken that this was my only recourse while I continued to wait for the insurance company to respond. 

When I disputed this with Experian which was done inaccurately due to the letter from attorney 's sent. I tried to upload my documents which I kept being told that my request to upload, " We're sorry. We were unable to honor your request. '' and I was instructed to mail the documents in, which I did on XX/XX/XXXX. I received a response today from Experian that my dispute has been " resolved ''. Without receiving my additional documents and that I can not dispute this any further.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have asked Transunion several times to correct/ remove the XXXX collection account on my credit report from XXXX. I paid this in full at XXXX at the time it was being sent to a collection department. it is listed incorrectly, as no other credit reporting place has it listed as a charge/off. They have not fixed the issue, just says that it is disputed by consumer.
Consumer complaint received 2024-04-12
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)

Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX  XXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I am really struggling to pay back any of my student loans. I think when I started they were around XXXX now they are approaching XXXX. I will never be able to pay them back. I was not able to find a high paying job like they promised. I need help eliminating all of my student debt. It is hurting me getting car and house loans. Is there a way you can help me eliminate this debt completely? I am really struggling. Thank you for any help you can provide.
Consumer complaint received 2018-08-28
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: Experian Information Solutions Inc. (DC)

I have contacted XXXX XXXX, Experian and XXXX on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I filed to get a ibr with navent and XXXX both service federal loans. Each are charging 15 %  of my income which together is 30 % of my income. My take home for a single with XXXX dependants is XXXX per month. How Im i to afford XXXX total per month to the federal government per month. Im already getting XXXX  benifits because all my current income is going to bills. Do I also need to apply for money assistance job and family services to offset what the federal are taking? The cost of living is already XXXX a month in bills so I can't live independent. Are they trying to make us homeless?
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.
Consumer complaint received 2023-11-29
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. (DE)

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 XXXX XXXX XXXX XXXX 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 infor mation 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated pe

r U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-05-23
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting hard inquiries that don't belong to me and were not authorized by me. 

Here is the list of inquiries : 1. XXXXXXXX XXXX ( Bank ) XX/XX/2022 2. XXXXXXXX XXXX ( Bank ) XX/XX/2022 3. XXXXXXXX XXXX ( Bank ) XX/XX/2022 4. XXXX XXXXXXXX XXXX XXXXXXXX ( Retailer ) XX/XX/2022 5. XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Since XX/XX/2022 I have mail 3 different letters following the FCRA law to Experian, XXXX and XXXX. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.
Consumer complaint received 2023-11-28
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax Data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-12
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)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I have contacted both XXXX  and Equifax to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX XXXX  ( via Screening Reports ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - Local Finance requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - The XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) (  Equifax ) - XXXX XXXX/XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX XXXX XXXX   requested on XX/XX/XXXX - XXXX XXXX  requested onXX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX XXXX  requested on XX/XX/XXXX
Consumer complaint received 2018-08-28
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been keeping tabs on how my payments are applied on my 19 % interest rate auto loan received from Capital One after my purchase from XXXX XXXX XXXX. ( I'd like to mention for the record that the manager of the dealership told me in the process of the loan applications, etc., for completion of the loan process at the dealership told me that the owner of XXXX was in contact with the CEO of Capital One. As a camera was placed on a conference table above the dealership recording the entire exchange. ) None of the payments applied since conception of the loan match in principal and interest at all. I contacted the bank last week to bring this to their attention. All I received was a representative on the phone talking to me like I'm stupid. NOBODY has yet to actually review anything. As the payments applied are all automated. So, basically, they are talking their way out because more than likely the loan will be sold to another bank before the 6-month cut off delaying a potential refinancing for a lower interest rate. And never adjust the interest and principal properly as clearly stated in every call. An interest rate that should have never happened in the first place, considering all of the other CFPB complaints I filed for every dealership and bank involved in me purchasing a new vehicle. 

Today, I receive a call from 'escalations ' and the first thing that comes out of this woman 's mouth was, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' First of all, my loan is not in collections. It is not in default. It is on time and every payment has been made on time. So that was not necessary because of the fact that there is no delinquency despite an auto loan for 72 months. I disconnected the call because nobody actually knows what they are doing. They are intentionally dragging out a resolution and doing it by having stupidy and inexperience call me. They are the ones who need to fix it and I am not explaining anything that has already been said over 3 times now. 

I am not an employee of Capital One. No bank anywhere would hire me. Obviously, everything is recorded and I'm glad it is because I have every right to be upset and express myself due to the ill way that their employees are going about NOT RESOLVING ANYTHING. And let 's just drag it out until XXXX. So I don't screw up anyone 's manipulated number.

The interest and principal balances are not applied properly, and I am already dissatisfied with how it is not being handled in a timely manner.

Not one person has yet to actually review anything. They are making it complicated for no reason. And I am not on their payroll. It is their job to fix it and I did my due diligence to bring it to their attention for review and adjustments.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I arrived at a money gram location to pick up a wire transfer that was not available as promised. The money was tracked as available for pickup prior to my arrival at XXXX on XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD / ( XXXX ) XXXX.