davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (MD)

I had a debt with One Main that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. XXXX says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by One Main Financial.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of XXXX XXXX.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank Over the past 10-12 mos, Synchrony Bank has made it impossible to login to my account to access and make payments. I login, then it logs me out. Then the chat assistant pops up in an attempt to help me. After I have made 9-10 steps sometimes I can get in and most of the time I can't. I think this an attempt to charge additional fees and to ruin my credit if I allow this to happen. Which I won't. Please help me in getting restitution and to make Synchrony follow the preset guidelines to let consumers access their online account information with out speaking to someone in another country that has no clue what I am talking about on the phone. There is no reason I should not be able to speak with a live agent and have them work out the delima they have created. 

I need this fixed. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-09-14
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. (GA)

This is a fraud account. I have a police report regarding this account. It has been deem fraud and deleted. Somehow another debt collector has the same report and now they are reporting. It was deleted when it was receivable performance now the same debt is being reported by XXXX XXXX. This is fraud and needs to be removed imeditally.
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Hi, Mi name is XXXX XXXX I'm a single mother of XXXX  in need of help. 
I attended XXXX XXXX College around XX/XX/2009 in XXXX Ohio which has since closed. I was attending XXXX XXXX College to obtain my GED unknowing that I would be charged student loans for the GED classes. I was made aware that I should not be charged to take my GED class however, I started receiving bills for student loans that I should not have gotten because did not still do not have my GED at this time. In addition the school has closed and I was charged {$7200.00} for 21 days in attendance from Navient. I have disputed this several time without any success. I hope your origination can help solve this matter. because this matter is preventing me for purchasing a home for my family Thank you for looking in this matter for me. XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-09-14
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. (FL)

I was offered a modification on my mortgage with XXXX XXXX. I had to make three trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX Servicing reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is  very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am writing to address a serious matter concerning a debt collection attempt made by your agency, Midland Credit Management, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Today I discovered that Midland Credit Management reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus.

I also did some research on the CFPB site and saw that Midland was sued by the CFPB for not having the proper documentation to pursue collection efforts. I am willing to be this applies to my situation as well. 

Specifically, Midland Credit Management failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from Midland Credit Management. As a result, I was unaware of the debt until I discovered it on my credit report.

Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, Midland Credit Management did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

Timeframe for Disputing the Debt : Even if I had received notification of the debt, Midland Credit Management failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 

I demand that Midland Credit Management take immediate action to rectify this situation. Specifically, I request that you : Remove the disputed debt from all credit reporting agencies to which it was reported without proper notification or instruction. 

Provide me with written confirmation of the debt 's removal from my credit reports. 

Cease all further collection activities related to this debt until proper notification and instructions for disputing the debt have been provided in accordance with the FDCPA. 
Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (LA)

Good evening, So on the morning of XX/XX/2023. I got separated from my friends on XXXX XXXX in XXXX XXXX. We all been drinking and towards the end of the night I tell them Im about to grab pizza right quick. XXXX XXXX  later they are no where to been found. Im running down XXXX XXXX and I get called over by XXXX female in a car. They are trying to help me so I get in the car. I know that was pretty stupid but understand I was under the influence and I trusted them at the moment. Im on the phone with my friend and she is like I cant hear him give me the phone. She gets the phone drives in a square and says okay we are the location of your friends. I quickly get out the car without grabbing my phone and after a couple minutes of looking she was gone with my phone. Now Im in XXXX XXXX at like XXXX in the morning and Im stranded with no where to go. I do not know the duty phone because I just check into the unit. So the last thing going through my head is freezing my accounts. My main priority is to get home safely. So I manage to ask another stranger around the block to call me an XXXX. I get in the XXXX and I get home. The next day I dont have my phone and my keys are in the same friend car that left me. I manage to contact him through my computer and he comes over. We go to the nearest XXXX XXXX XXXX store and I get a new phone. Im trying to log into my apple account but the password has been changed and the verification phone number has been changed as well. I eventually go home after trying for 2 hours and I realize I need to check my account. I download navy federal  and I finally get into my account after XXXX hours. I find over {$8000.00} was spent between my two credit cards, my savings, and checking account. I immediately call navy federal to submit my fraud claim. They also manage to change my code word as well. As of now my fraud claim have been denied. I have read online that other people have trouble with navy federal in regards of fraud claim.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-06-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (WY)

I am currently being garnished and it has caused me to lose my home and I have XXXX children XX/XX/12 I pay child support currently also. I make XXXX/hr and where I live the cheapest home is XXXX for a home that is suitable for me and my children! I have contacted the federal student loan company along with the collector it was sold to they have given me no real options other than to pay yet more pmts on top of the garnishment which I can not do! They are taking more than 15 percent out of my managers bonus every pay period they are taking 25 percent and I believe they are also taking 25 percent out of gross pay not disposable pay I have contacted my employer she stated she was doing this correctly but when I follow the paperwork I have found online its incorrect I have emails back and forth saved from the student loan company also!
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX denying the existence of my request to enter forebearance during the forebearance window. 

XXXX unable to provide statistical proof that they have a 100 % success rating with the health of their forebearance process and that there's absolutely 0 % chance that their system could have an error.
Consumer complaint received 2023-11-18
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. (TX)

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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my XXXX performed but XXXX didn't perform. There's no need to be so greedy. They also report my information to early warning services which I NEVER gave them permission ....
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and XXXX never responded.
Consumer complaint received 2023-05-10
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: Mercedes Benz Financial Services (CA)

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with Mercedes they will not help you with the matter they want you to pay for something that does not belong to you.
Consumer complaint received 2023-11-18
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-28
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-06
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.