davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I am trying to pay off my student loans with Aidvantage and the payment keeps getting rejected. I am using the correct account number and I have the money in my account so I dont know what else to do. On XX/XX/XXXX I submitted a payment of {$6400.00} and the payment was reversed. I called the second time asking why it was reversed and the lady I spoke to said it was a bank issue. I asked to make the payment over the phone, I gave my card information which was on XX/XX/XXXX, for {$6400.00} and that was reversed. The third time I submitted was XX/XX/XXXX, for $ {$6400.00} and that was reversed as well. On XX/XX/XXXX, I submitted another payment for {$6400.00} and I am waiting to see if that goes through. As you can see the payment keeps going up and I dont know what else to do.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My information with Equifax has been breached and here is my proof and they refuse to delete these accounts : XXXX XXXX - acct # XXXX XXXX XXXXXXXX - acct # XXXX XXXX  ( XXXX  ) - acct # XXXX Please delete these accounts from my credit report immediately as I was a victim of this data breach.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks. 
XXXXXXXX XXXX XXXX XXXX TransUnion 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

I've attached a copy of the dispute results received from Equifax. They did not contact the companies to do an investigation. The dispute results were issued within hours of me submitting them without Equifax contacting the companies for an investigation into the unauthorized reports on my credit and according to the FCRA, I'd like to have them removed immediately. They did not provide any options to submit supporting documents on the website where you submit a dispute. they are not doing their due diligent in making sure the information is correct.
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I'VE NOTICED SINCE XXXX I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE XXXX ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE
Consumer complaint received 2024-01-02
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, Child Support : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NE)

On XX/XX/, the XXXX  Homeowners Assistance Fund, made a mortgage payment of {$6000.00} on my behalf. However, this payment and subsequent, on time payments, for the last several months was not applied to my loan until XX/XX/, and after, leading to an erroneous notice of loan default and intent to foreclose received on XX/XX/. This mishandling has occurred despite repeated communications with the mortgage servicer to rectify the situation.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was checking my consumer report and I saw a bunch of credits inquiries I didnt realize. 




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 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 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX of 2023, I had my work hours cut because of an injury. I was making my payments as I was supposed to but with a cut in pay, I knew that I was going to be in trouble. During a call from Citizens Bank, I asked XXXX XXXX if I could refinance the loan for a lower payment. He said no. In XXXX of 2023, I had asked for a forbearance and I could only get one for 3 months. After my re-payment started, my payment went {$280.00} to {$300.00} and that didnt help at all!! 
Since then, Ive had to wait until my next XXXX XXXX check comes the next month to pay it. The loan is always paid in the second week of the month but Im XXXX weeks behind. The payment is due on the XXXX of the month. On the XXXX of the month, the phone calls start!! I get as many as XXXX or more per day from the XXXX to a few days after Ive made my payment. My payment is never a month late. These dates are the most recent that I have but my phone didnt store the calls from the XXXX. Following are the dates and times : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dont answer the calls because the first time that I did I was pressured into post dating checks for XXXX payment that put me into another bind. All I want is for them to work with me so that I can get this loan paid off and to quit calling me. They know when I make my payment.There is nothing in my loan paperwork that says it can not be re-financed. I appreciate your help.
Consumer complaint received 2022-11-17
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/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 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 2023-09-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Javitch, Block & Rathbone LLC (TX)

I had received a letter from javitch block and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand javitch block is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Well i was owned with a different companys, like 10 years agonow this company debts collectors buy it, and they tried to collect money from 7 years agoso what i have to do
Consumer complaint received 2022-11-17
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I requested that the company send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently one ( 1 ) collection account showing on my account : XXXX. XXXX XXXX XXXX. 

I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN this companies obtained these accounts from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that XXXX XXXX XXXX is licensed to collect in my state, with this company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks. 
XXXX : Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (NC)

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 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. (CA)

I RECENTLI REVIEW A COPY OFMY CREDIT REPORT AND IHAD FRAUDULERT ACCOUNTS ON MY REPORT, PLEAS REMOVE THESE FROM MY REPORT, THEY ARE HURTING MY ABLLITY TO OBTAIN CREDIT THANK YOU
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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Consumer complaint received 2023-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never had a collection account with this collector XXXX XXXX. Please delete this account from my credit report and send me an updated copy showing the results. You are also reporting incorrect information. The account was purchased On XX/XX/2021, from XXXX XXXX, XXXX. This was mailed to me on XX/XX/2021. You are reporting that it was opened on XX/XX/2021 which is inaccurate. I am demanding that this account is removed from my credit report immediately.
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. (TN)

I appreciate you trying to update and repair some of the data on my credit report, but some items still 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 REMOVED as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023
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: EQUIFAX, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (NJ)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Consumer complaint received 2023-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Alleged debt was purchased by this collection company and on XXXX I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital XXXX to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.