davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is an ongoing issue that I've been trying to rectify since XXXX of 2021. The XXXX credit bureaus XXXX XXXX, Equifax, & XXXX are violating my FCRA rights and violation of XXXX XXXX compliance in which how they are reporting, I've done my extensive research on this compliance. I've called, and sent letters on several occasions. Please review my letters attached to this complaint where I clearly articulate where and how my FCRA rights are being violated & how they're not in compliance for XXXX XXXX and how its causing extreme HARDSHIP to myself and families livelihood due to these COSTLY mistakes.
Consumer complaint received 2017-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CA)

Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.
Consumer complaint received 2017-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit ( from looking up the number online, ) has called us 7+ times in the last couple of days, and wh en I finally answered the phone, they asked for some guy named "  XXXX   XXXX   ,  '' whom we have never even heard of, and have had this phone number for  ~17 year s. I had to argue with them that they had the wrong number, and they kept trying to get me to tell them my name!
Consumer complaint received 2022-11-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-15
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. (UT)

I have recently contacted XXXX, XXXX, Transunion, and XXXX. 

I recently had a student loan XXXX because I am XXXX  and XXXX  XXXX. 

XXXX and Transunion has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX  XXXX  XXXX XXXX, as well as other XXXX  XXXX problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance  or deferment. That is proveable as I get XXXX  from XXXX  XXXX  and XXXX. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

XXXX is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after XXXX service at a low income XXXX. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Hello, I checked my credit report and i found that GAP clothing store has closed my credit account with them with an amount of {$97.00}, while i haven't even received their credit card nor gotten any notifications about my credit. I tried to contact them but i didn't get a reply. My credit score was pushed back because of this and i hope i can get it fixed. 

Thanks, XXXX XXXX
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Management Control, Inc. (NM)

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them CREDIT MANAGEMENT CNTRL Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX - XXXX
Consumer complaint received 2022-11-15
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. (UT)

In XXXX and XXXX XXXX XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXXXXXX XXXX aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Consumer complaint received 2022-11-29
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 my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Received an email from Bank of America to verify my email address, followed by second email to notify me that I had been approved for a credit card. I forwarded those emails to XXXX Received a third email this morning showing I had verified my email, although I had not. I forwarded that email as well and then notified the fraud dept. They stated that they had cancelled this card and there were no charges associated with it.
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: Affirm Holdings, Inc (WY)

In XXXX of 2022, I was made aware that several loans with Affirm had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my XXXX report before I could attempt to stop them and contact Affirm. I have contacted Affirm directly, filed a police report, and contacted XXXX 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither Affirm nor XXXX have removed these fraudulent accounts despite providing the documentation they requested.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX 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 2023-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been disputing this account for some time with XXXX XXXX. This account was on my reports with all XXXX credit bureaus, Transunion, XXXX and XXXX. I have asked for verification and validation of this debt and have not received anything back stating how this account was verified. XXXX and XXXX found that there wasn't any valid proof that this account is mine and belongs to me so how is it that Transunion is still reporting this account? All XXXX reporting agencies are supposed to be reporting the same information and if the other credit bureaus removed this inaccurate account from my reports so should Transunion. It is illegal to report inaccurate information on a consumers reports and I am demanding that this account is deleted.
Consumer complaint received 2023-02-16
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. (IL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A XXXX ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a XXXX account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information