davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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 requested the credit bureaus update my personal address to my current and correct residence of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, where I have lived for over three years. I provided supporting documentation, including a recent utility bill and a copy of my driver 's license, as proof of residency. 

Despite my request and the provision of sufficient documentation, the credit bureaus have failed to update my address and remove all other addresses from my credit profile. This inaction is causing me significant inconvenience and may negatively affect my credit standing and ability to conduct financial transactions.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to request and expect that the information maintained in my credit report is accurate, complete, and verifiable. The bureaus ' failure to update my personal address may constitute a violation of this law, as they are not ensuring the accuracy of my personal information.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TN)

My fico has just dropped XXXX points over night without explanation. I have watched it daily and if it varies by a couple of points down, I will try and fix it to where it doesn't plummet more. It was in the 630s then up to XXXX then back down to XXXX really without explanation. Bc I have improved with what is on credit report. Disputed things that they flat out ignore. According to FCRA they have 30 days to investigate..max 45 days.. and I have been blown off. No paperwork or anything proving that the alleged accounts are actually mine.. They want you to keep buying products sold on XXXX or or Equifax.. and I don't then my credit score drops XXXX points drastically. They add a new debt buyer and a collection account that is not mine. I have asked them to verify debit to send proof of account to me. And I just get " Verification to FCRA standards '' I need more than their word '' I was part of the Big class action lawsuit with one of them and received a check for breach of data and sold my Info.. I can't remember if was all 3 or just one..I am desperately trying to fix my credit and be a responsible consumer. And when I don't have a narcissistic ex or man to use these accounts and then pin them on me..I am actually very responsible. The dates on these accounts that are in collections and late.. and sold.. payments were made after I left ex and was lied to.. and he tricked me about not filing for divorce for at least a year due to my health. And when I was away..he filed for public notice. He recommended assets and I got these debts I knew nothing about. I know I should have known but most of this XXXX I didn't know that debts existed inmy name. And I never thought he would divorce me n 90 days via public notice. Stating I disappeared. I had no clue that public notice divorce was even legal. It's been very difficult getting my life back on track and trust me I would love to have taken his to court.. I had no money after all this to retain a lawyer to fight for my rights... It is still never ending. Dealing with this XXXX on credit report. Just so I hopefully can rebuild my credit to get housing and a car .... When I have gotten it up to XXXX.I 'm feeling better then it keeps dropping and today XXXX points without explanation.. I'm not dealing with this.. I've had enough.. please please help me XXXX
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I lost my job on XXXX XXXX contined to struggle and pay my car note until XX/XX/2020. At that time the car was in operable for from XX/XX/2020 to XXXX 2020 months because of a transmission issue. I was unemployed at the time because of XXXX and i was pregnant at the time.So on XX/XX/XXXX XXXX .I called the finace compay XXXX XXXX and let them know i was unable to keep the payment up and i advise them to come and pick up the vehicle at the time I did not have any other transportation.They came and got the vehicle and i made sure the vehicle was cleaned out and in the best condition possible but with minor wear and tear as possible.They sold the vehicle in auction and that all i heard. Until crown managament assets started harrassing me.
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

RESURGENT/LVNV FUNDING Account Name RESURGENT/LVNXXXX FUNDING Account Number Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX Payment History 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 Collection XXXX XXXX XXXX  for this period Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XXXX XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00}
Consumer complaint received 2023-09-24
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. (IN)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2024-04-22
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. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC (NY)

I contacted Receivable Collection Services , LLC ( RCS ) on XX/XX/XXXX around XXXX XXXX. to obtain a copy of the latest communication that was sent to me. The latest communication* was misplaced by a family member. I requested that a copy of the communication be sent to my email and also via regular mail. The customer service representative ( csr ) stated she would send the communication. Note : To date I have not received a copy. During the conversation with the csr, she stated that RCS received an email with a lot of questions from another person ( see attached email ) and that RSC did not respond because the email was not from me. I explained that my email was not working and I sent the email using someone elses email. The csr responded that RCS could not respond to the email because RCS did not know if the email was from me.

If there was any question regarding who the email was from, RCS could have responded to the email and stated they needed proof of my identity or they could have sent me a letter requesting verification. The email ( dated XXXX  ) contained questions that I need answers to so that I can be fully informed of the validity of the debt. 
* I believe the latest communication was sent in XXXX.
Consumer complaint received 2024-04-22
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. (MD)

Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, Tansunion, XXXX and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXXXXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

My daughter lost her job on XX/XX/XXXX and continued to pay the car note until the following year in XX/XX/XXXX. The car was inopearable from XX/XX/XXXX until XX/XX/XXXX and i wasnt work at the time because of covid .My daughter called the fiance company and explain to them she was out of work becuase of covid and her XXXX and explain i too was XXXX  at the time and ask them to come pick up the vehicle .We washed and cleaned the car and returned it in the best condition possible minus a little were and tear. MY daughter notified me they sold the car at auction and we did hear anything eles until crown asset mangement began to harrass me.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-12-24
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)

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived.

Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX. 

I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX  should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.
Consumer complaint received 2023-12-25
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2018-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.