davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Unable to access account information by computer unless I have a mobile phone. 
Have had various credit cards and bank accounts with this company over several years and never had a problem accessing accounts online until last year or so. Do not ever recall being informed there would be a requirement to own a mobile phone in order to use their online services. 
They claim this is a requirement to verify my identity as I travel quite a bit however every other financial and government website I access allows this process to be done via email.
Consumer complaint received 2023-05-30
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-23
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL starting in 2001. They stated they were fully accredited and a high ranking school. After my first attempt at completing my XXXX degree, they changed the curriculum and made me take more courses stating the ones I had taken were no longer worth as many credit hours. I did so for a half a semester but could not afford the $ XXXX-month payments on top of my student loans so I was forced to leave school. I have since tried to get my official transcripts for the time I attended several times with no results. Now I find that they are no longer in business and have had multiple lawsuits against them as being a scam of a school. Now Naviant is after me to repay all the student loans on classes that were not beneficial to any career path. I would appreciate some guidance on how to proceed on getting these loans dropped due to misrepresentation of the school and the worthlessness of the class I was asked to take by a nonqulified teaching staff. Thank You in advance!
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.
Consumer complaint received 2023-02-02
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: ENCORE CAPITAL GROUP INC. (TX)

Dear CFPB, This letter is in reference to account : MIDLAND CREDIT MANAGEMENT, Im requesting that you reinvestigate this accounts accuracy and reporting inconsistencies. 
According to the letter provided by MIDLAND CREDIT MANAGEMENT, their company ( Midland Credit Management ) DOES NOT report a PAST DUE balance to credit agencies. However, this account is reporting a past due balance of {$640.00} as well as reporting a Seriously Past Due status monthly to all 3 credit agencies, and changing the as of date each month to make the debt appear more recent, which is from my understanding a violation. This debt was purchased on XX/XX/XXXX and reported on XX/XX/XXXX. I DID NOT receive a notice of this debt, nor did I set up any payment arrangements or DUE DATES regarding this alleged debt with Midland Credit Management. Therefore there should not be a Past Due Balance. 
I am requesting that XXXX, XXXX, and XXXX verify to me how the reported Past Due Balance is accurate, if the company stated they DO NOT report a PAST DUE balance on any account. 

Also this company ( Midland Credit Management ) stated the Federal Reporting Period expires on XX/XX/XXXX. My XXXX Report is reporting this account will be removed XX/XX/XXXX, XXXX is Reporting this item will be removed XX/XX/XXXX. These dates should not be different and all 3 dates can NOT BE ACCURATE. This company is also reporting as a FACTORING COMPANY ACCOUNT on my XXXX report which is yet another false inaccuracy. Furthermore its is Unfair and Illegal to furnish false or inaccurate information to a consumers credit report. Ive attached documents with the issues described above circled.
Consumer complaint received 2017-05-09
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. (GA)

I have been contacting them constantly about alternative options to bring my account out of default and reinstate in good standing to pay the loan in a realistic manner and negotiate a reasonable deal that will work out for b oth Navient and I. They are no t willing to work with me and is preventing me from making future financial decisions as a consumer and hindering me from other lenders.
Consumer complaint received 2023-05-30
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. (TN)

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 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I sent a letter and Ive called 3x to have any and all comments removed along with any pending disputes. The representative told me they would be removed In 3 days. I have a mortgage application pending due to this and I will lose my home and the money Ive already paid. Why do they keep lying to me?
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
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
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NY)

We purchased an appliance at Lowes and we were told that our choice was 18 months interest free then after the 18 months interest would start being charged. Well after 18 months they charged us XXXX on bringing our balance up almost XXXX extra $!! That is NOT what we were told at purchase at ALL. This is FALSE and misleading business practices and we want this charge removed immediately.
Consumer complaint received 2023-05-30
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. (FL)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX PL XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$14000.00}, XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my sixth 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 XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX  XXXX XXXX  Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-19
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. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion credit check, was impossible to cancel the trial subscription from the account, it cost me additional {$40.00} of services as I could not find a way to stop it. I required external help from people who have had the same problem and cost me also a lot of time. There was supposed to be a link on the FAQ of the site ( according to a XXXX post regarding this problem ), but it is no longer available.
Consumer complaint received 2023-05-30
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. (AZ)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

Bully City Financial Sol ( BCFS ) reported to my credit reports in the month of XX/XX/XXXX on ( XXXX ) and XX/XX/XXXX on ( XXXX ) that I have a past due balance of {$370.00} ( Account Number : XXXX ). I have not received any form of communication written or verbal from BCFS prior to those dates. I informed both companies that the debt shouldn't be reported on my credit report. XXXX and XXXX both inform me that the debt was verified with BCFS. 

I call BCFS on XX/XX/XXXX, to request information on the debt, which was the first time any form of communication with BCFS and me, they inform me it will take 5 to 7 business days to receive my request. I never receive that letter. I call them three different times on XX/XX/XXXX, requesting information. I ask if they can email or fax me the information, but they refuse and told me that they can only mail out documents. 

All four times I call BCFS, they inform me that the call is being recorded. I also mail them a debt validation letter on XX/XX/XXXX. On the evening of XX/XX/XXXX, I email them the debt validation letter with ref. # XXXX in the email to XXXX To add, on the original credit report, from late XX/XX/XXXX, XXXX had it start reporting in XXXX but my recent report shows it start reporting in XX/XX/XXXX which is accurate and inconsistent.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Debt Mediation, Inc. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish These accounts
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WA)

Last year in XXXX Comenity acquired my nflvisa account from XXXX. 
I have never missed a payment on that account and always paid the balance in full before the end of the billing cycle. 
The last transaction posted to the account was on XX/XX/XXXX to pay a charge I had made several days prior. 
The account had a XXXX balance after that payment and the card has not been used at all since that time. 
In XX/XX/XXXX, Comenity reported that the account was 180 days delinquent in XX/XX/XXXX causing my credit score to drop. 
I contacted Comenity by phone and the person there acknowledged that the balance was XXXX on XX/XX/XXXX and there have not been any transactions since then. 
They also acknowledged that the account was in good standing on XX/XX/XXXX but for some reason was marked as delinquent when they acquired the account from XXXX in XXXX. 
I requested that they look into it and correct the report of late payment since it is impossible for me to have a late payment in XXXX when the balance was XXXX seven months prior to that and there have been no transactions since that time. 

Comenity now reports that my account was 180 days overdue every month from XX/XX/XXXX through XX/XX/XXXX even though they acknowledge that there were no transactions at all during this time and the balance due was always XXXX. 

I have asked Comenity to remove the reports of late payments that did not exist but they refuse to do so and will not provide any information to support why they are reporting it is late. All Comenity will do is send me a letter stating " We find that we are unable to make any adjustments to your payment history as requested ''.
Consumer complaint received 2023-05-30
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion credit bureau has ignored my request to investigate 9 inquires that currently sit in my credit file, I compared my XXXX, Transunion and XXXX scores and details and Transunion is showing almost XXXX point variance, when I looked more thoroughly I noticed there were an exorbitant amount of inquiries, when I contacted the lenders that alleged pulled my Crdit they says they haven't pulled my credit I asked Transunion to investigate they did not comply, I disputed these inquiries by mail and online multiple times. these arent my inquires. 

XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX XXXX, XXXX