davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX I unfortunately had been laid off from my job. I knew I had a balance I had to pay PayPal Credit roughly about {$850.00}. I contacted PayPal Credit via phone and spoke to three representatives about my situation and asked if they had any financial relief programs. The representatives stated they did not have any programs, but they could help me so my account would not go delinquent. The representatives stated that if I made post dated checks every month that I would not hit the 30-day late marker and the balance would be carried over until the {$800.00} was paid. 

I was told I needed to set this up with my checking account, and I gave the representatives my Debit card number in XX/XX/XXXX to start a first payment in XX/XX/XXXX. The following month I gave a new representative my checking account information for payments starting in XX/XX/XXXX. 

As XXXX went on and I continued to make the post-dated check payments, I thought everything was in order. I checked my credit score at the end of XX/XX/XXXX and I was shocked to find out that my score had plummeted 90+ points. I realized it was from PayPal Credit and I immediately placed a call to find out what was going on. 

I spent hours on the phone with multiple representatives and come to find out that PayPal credit had not set up my monthly payments correctly. The last representative told me that the automatic monthly checks were over the 30-day credit reporting and that is why my account went delinquent with months of a late payments. Also, during my payment arrangements every month, the representative notified me that PayPal was now using Synchrony Back as their creditor. The representative said they would submit for correction, set me up on a correct relief program of XXXX XXXX  monthly payment, and I should see an update within 30 days of our call.

With a few weeks I noticed that my score had gone back up. Then, not even 2 weeks later my score dropped again, from PayPal Credit. I called and spent more hours on the phone talking to representatives. They told me I had an outstanding balance of {$200.00} and that is why my score went down because it was still revolving as past due. I told the representative that when I called last time, I was told everything was paid up to date. After spending an hour on the phone, they said there was nothing they could do to resolve the issue.

I have spent hours on the phone with PayPal representatives with no correction or an apology of the misinformation that has been told to me.
Consumer complaint received 2017-03-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Russell W Richardson, Attorney at Law (FL)

First company was XXXX. Called and said they were going to garnish my wages if I did n't pay back on my overdue payday loan. Said they had been trying to contact me but I never received info. I paid them since I knew the money was due and kept letters from paid debt. Now another company called dfc legal services began calling my inlaws saying I would be taken to court if I didnt pay them
Consumer complaint received 2024-03-27
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. (IL)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  XXXX - XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$230.00} XXXX XXXX - XXXX {$580.00} XXXX - XXXX {$320.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX  - XXXX {$970.00} XXXXXXXX XXXX XXXXXXXX - XXXX {$1300.00} XXXX - XXXX {$510.00} XXXX - XXXX {$0.00} XXXX XXXXXXXX - XXXX {$0.00}
Consumer complaint received 2021-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have received multiple letters from Navient inviting me to refinance my federal student loans. Navient was also the servicer for my federal student loans. For a number of reasons, I find it disturbing that the company assigned by the Department of Education to service my loans is steering borrowers into its own private refinancing : ( 1 ) Borrowers may be deceived into thinking that refinancing is part of the federal student loan program ; ( 2 ) The potential consequences of refinancing are not adequately disclosed ( including loss of income-based repayment and forgiveness options ) ; ( 3 ) Navient 's practice of steering federal loan borrowers to its private loan product strongly suggests a conflict of interest ; and ( 4 ) This conflict of interest may result in significant costs for borrowers and taxpayers.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Transunion is reporting inaccurate information on accounts. This practice hinders my Transunion fico score ore from moving. XXXX has a score of XXXX and Transumion has a score XXXX this is inaccurate and fraudulent because the same accounts on XXXX is on Transunion so why isn't Transunion updating. This is personally effecting my financial opportunity to be considered for future financial help. This practice must stop as it permanently damages my character and its discriminatory
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I submitted this complaint to REMOVE this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person
Consumer complaint received 2021-05-23
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. (CA)

On XX/XX/2020, through XXXXXXXX XXXX  XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company ( TransUnion ) on two separate occasions but they simply ignored my two items of correspondence.
Consumer complaint received 2023-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

I transferred my student loans to MOHELA in XX/XX/XXXX, as my previous loan servicer had advised me to since they were closing and MOHELA was taking over all PSLF accounts. I submitted my employer certification forms to MOHELA in XX/XX/XXXX, and 90 days later ( as they state ), my application was denied because my previous employer XXXX was filled out incorrectly. I submitted 2 forms, one for my previous job and one for my current job. The current employer form was approved but the counts were incorrect. When I called the company told me the counts would correct themselves once I was completely approved.

I get my previously employer to fill out the form again and re-submit it, and MOHELA tells me I have to wait another 90 days for it to be processed. In XXXX I was Denied so I call to inquire and they said its denied because of how the form was filled out ( my previous employer wrote a note about my part time employment there in addition to my full Time employment ). They requested I fill out a new form for that employer, so I contacted them, had them fix the mistake, and resubmitted the form in the same month. The processing speed was much slower this time and my status for the form changed from Processing to Processed in XXXX. I call because I have no letter or any info and they said the dates were entered on that same employer form incorrectly ( XXXX XXXX vs XX/XX/XXXX ) so that it was denied again. I requested to speak to someone higher up to better understand how my old employer kept filling the form out incorrectly and to ensure it wouldnt get denied for anything else. The representative I spoke with put me on hold to speak to a higher up but I was on hold for over an hour so I hung the phone up. I again re-submitted the form asking my previous employer to fill it out again, with the changes noted, and she did. I submitted in XXXX and now am waiting again for either an approval or denial, for another 90 days. 

I cant help but feel like its unfair that they keep making me wait 90 days for approval. On top of that they said my current employer counts wont be on the account until Im fully approved. So I feel like this complaint is warranted, aside from the fact I dont trust them. I have all my letters from my previous loan servicer as of XX/XX/XXXX because I cant trust MOHELA will accurately determine my counts. All the staff have different info and tell you different things. My employers have always counted before the revisions to PSLF and one staff member of MOHELA told me my loan didnt count ( unsubsidized ). Theyre incredibly inconsistent and its so frustrating for someone who is just trying to get her PSLF forms processed.
Consumer complaint received 2021-05-24
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. (MD)

I have a bankruptcy reporting on experian, XXXX and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Consumer complaint received 2023-06-03
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. (NJ)

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 Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}
Consumer complaint received 2023-07-08
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)

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + All Banks XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX : XXXX XXXX, XXXX i never received card from these companys so they should be deleted
Consumer complaint received 2021-05-24
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. (CA)

Experian is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. Experian never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, Experian, Equifax do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

This is specifically related to the required flood insurance for my property, In summary, my Flood insurance premium is {$2700.00}. As you examine my escrow account you will see that Truist has paid {$12000.00} through multiple payments for flood insurance. These payments began on XX/XX/2021, and concluded on XX/XX/2021. 

Across this same timeframe, you will see multiple Flood Insurance refunds in the escrow account totaling {$7100.00}. 

I am certain you will appreciate the difficulty all this has caused me, not to mention the inordinate amount of my own personal time consumed. 

Still, after all this, my flood insurance remains overpaid by {$2700.00}.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am not liable for these collection/charge-off/closed accounts and the collection agencies are illegally reporting since I have never been contacted by them. They are ruining my credit permanently. The last resort is me sending in a physical letter with my social, the case description and number and my drivers license and the reason they aren't my accounts. They are extremely difficult to deal with any other way. Might as well try that.
Consumer complaint received 2023-06-03
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. (GA)

This is my 15th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.