davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (CA)

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 remove or update 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
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have a used car loan with Navy federal. My interest rate is XXXX %. I was XXXX XXXX XXXX and given XXXX  in XXXX of XXXX. So I submitted my orders to navy federal ending of XXXX. I called XX/XX/XXXX and they said it has been approved but they are backed up. They said it will take XXXX  days from start to end. It has been well over XXXX  months. All my other credit cards have granted my SCRA benefits but not navy federal.
Consumer complaint received 2020-03-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

In XX/XX/XXXX, our account was transferred to Rushmore Loan Management Services while it was in a 9-mth Forbearance period which commenced in XX/XX/XXXX and ended in XX/XX/XXXX. In the interim of being transferred to Rushmore, we were informed that we could apply for our Loan Modification towards the end of our Forbearance period and did so in XX/XX/XXXX to complete the paperwork and commence the Loan Modification process. During this period, our Credit Reports should not have been negatively impacted because we were experiencing extenuating medical and financial circumstances and our loan was in Forbearance from XXXX through XX/XX/XXXX and later in the Loan Modification process from XXXX - XX/XX/XXXX because Rushmore took a longer period of time to process the paperwork as well and were being discriminated against during the process as well, as opposed to other XXXX  clients whose credit reports were not negatively impacted. Rushmore discriminates against XXXX XXXX and U.S. Veterans and charges higher interest rates when completing a loan modification package, as compared to XXXX  consumers whom they service loans for as well. They negatively impacted our credit which is causing extreme difficulty to obtain a VA IRRL to reduce our high interest rates which they are currently charging us.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (NY)

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 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (WY)

This company ( XXXX XXXX  XXXX ) contacted me several times, and has been informed several times the debt has been paid. They have never once, until today given me a way to prove that the debt was paid. In the past, they have hung up on me once I have told them the debt is resolved, that I have the evidence of such, ect. They claim that they have been trying to contact me, which when I have answered their harassing calls from the same numbers, they never told me the company they are from. 

It is my belief that Kay Jewelers is attempting to collect this debt or this company is attempting to collect this debt fraudulently, and they are harassing me over it.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX venmo added two deposits and then obviously pulled them in the amounts of XXXX and XXXX. I was supposed to put them in to verify in the order I received them ... I did -- it says not able to verify account then just to make sure I switched the amounts from the amount last deposited to current and that did not obviously work either... contacted them where they pretended they already answered the complaint when they didn't -- so I told them I still needed help bc my bank XXXX XXXXXXXX says venmo is the one with the problem... we all see the deposits they're the ones saying they can't verify it. 


see below XX/XX/XXXX Icon VENMO Transfer + {$0.00} $ Transaction Type : Electronic transfer XX/XX/XXXX Icon VENMO Transfer + {$0.00}
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX There was a new account ( XXXX XXXX XXXX XXXX ) reported to all three bureaus I have no recollection of this account opening and reporting as a Personal account. acoount has been closed with XXXX XXXX and I would like to have account removed completely off report
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

Synchrony avoids human interaction and my issue could not be resolved via their computerized chat feature. Synchrony abruptly reduced my credit limit with no notice or explanation. My credit score recently went up XXXX points but went down when they took this adverse action. 

I have been sick over the last few weeks and we've had other illnesses in our household. I was late making a payment but not over 30 days late.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Benworth Capital Partners LLC (IL)

I contacted them via their website. Someone emailed me back and said they would get back to me, but no one never did. I then sent a fraud report letter to the company 65 days ago, and still no one has contacted me. I did not take out this PPP loan. It's fraud.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (PA)

I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation XXXX lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. 
In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. 
I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, 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. (FL)

I RECENTLY VIEW MY CREDIT REPORT AND I CAN SEE A UNAUTHORIZED CREDIT INQUIRY MADE BY XXXX XXXX  ON XX/XX/2023 I WANT THIS IMMEDIATELY REMOVE BY LAW FCRA
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (IN)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a used vehicle from Toyota of XXXX on XX/XX/XXXX. I had already been fully approved by XXXX XXXX XXXX for my car loan and I provided its written proof. 
Despite this fact, the dealership insisted on pulling my credit. I refused. After my refusal, Toyota of XXXX management told me they would only complete a soft pull, which should not affect my credit score, and that I could not leave with my car unless this process was completed. I therefore reluctantly agreed. As I suspected, a hard pull now shows on my XXXX Credit Report and thus my XXXX XXXX lowered. I reached out to XXXX to complain and they said they cant fix unauthorized inquiries without a written confirmation from the originator. Toyota of XXXX management refuses to reply to my email request to get this matter fixed. 
I am a knowledgeable consumer fully aware of my rights, and yet Toyota of XXXX was still able to trick me. I am very concerned about the underprivileged minority client base that dealership has as I am certain many credit reports are pulled without proper consumer understanding of the matter or authorization.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: STERLING JEWELERS, INC. (VA)

Apparently this company Kay jewelry or the debt company XXXX XXXX XXXX keeps harassing me with multiple phone calls, threatening to take my car away and to call my employer to garnish all my paychecks 25 % when I clearly asked them not to. I havent had a credit card with Kay jewelry for almost 10 plus years and I have been spoken with someone during that time to pay off my credit card a different debt collection company for {$200.00} every month to help pay for it. I have never heard of this current debt collection from Kay jewelry/ XXXX XXXX XXXX I am constantly being harassed every day with phone calls and threats to take away my car and any kind of property I have. This needs to be stopped because I have paid off my debt and its no longer on my credit debt list
Consumer complaint received 2023-09-14
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. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

MOHELA is contracted to manage my Federal Direct Loan. My complaint is a late Student Loan Billing Statement delivered online 4 days before due date and their auto debit not functioning causing me to pay manually on the due date. Now the servicer is reporting the payment as past due. 

Mohela Statement Delivery Date XXXX jpg document shows the date the XXXX Billing Statement was received by me- XX/XX/2024 XXXX XXXX, Mohela XX/XX/2024 pdf document is my XXXX Billing Statement, billed XXXX with due date XXXX. This billing statement was received on XX/XX/2024, 4 days before the due date. 

Auto debit on the MOHELA payment portal states it is ACTIVE, but did not initiate the payment at the due date, requiring me to make an on-time manual payment by the due date. 

Despite this effort, my payment is still listed as past due MOHELA responded to my concern of a late billing statement with 'Sorry for the inconvienence ' and a notification that my account is now past due. See 4th attachment.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I have sent several letters explaining that I do not work for XXXX or XXXX XXXX. Please remove any employer on my credit report. Im currently unemployed and not working for anyone. Please remove ASAP per FCRA.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. Experian and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have paid both XXXX XXXX  XXXX credit card and balances are XXXX. XXXX 

CREDIT INQUIRY BY EXPERIAN AND XXXX ARE UNOUTHRIZED AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX