davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (AR)

I have filed multiple Disputes with Equifax via there website and more through XXXX XXXX. Through Equifax i have filed 9 disputes over the last 60 days. 2 are incomplete and are not yet being investigated and 7 are reported as being complete but only 1 of those 7 have a response available. They are listed as follows : 2 uncompleted disputes : # XXXX filed XX/XX/2022 # XXXX filed XX/XX/2022 For these i have not been told anything 1 complete dispute with response : # XXXX file XX/XX/2022 completed XX/XX/2022 This dispute was filed on a Bankruptcy in the attempt to show that one of my creditors XXXX XXXX should have not been listed on the Bankruptcy as a discharge but a reaffirmation. Equifax, responds that i did in fact have a bankruptcy ..... Thanks 6 disputes that care reported as complete but do not have results. 
# XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 This is just a glance at the issue i am having with getting Equifax follow there own policy. There have been many more dispute both through Equifax, XXXX XXXX, as well as the CFPB. even those that have received responses have been copy and pasted, false information from the creditor, the very same information i am disputing and gave provided proof in my complaint. Equifax however fails to actually conduct any tupe of investigation as the results furnished are full of incorrect inf oration that either compute or contradicted themselves on the very same page. i have went through the process of filing each one individually but still the same computer generated response. The latest response i received was today XX/XX/2022 for a complaint filed with the CFPB. It offered XXXX information in the disputing matter whatsoever, in fact it was a list of things i had done as in disputes i filed as if i didn't know that ior as if it even pertains. i have attached it for your enjoyment
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting misleading information on my TransUnion credit report. It is not using Metro 2 or E-Oscar procedure when verifying a debt on my credit report. The first time XXXX misspelled their business name and did not include any payment. Now XXXX is not giving the full account number and their charge off statements do not match up with the grind.
Consumer complaint received 2020-08-16
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2016-03-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Lincoln Financial Services (CA)

My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.
Consumer complaint received 2020-08-16
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. (NY)

I notified the credit bureaus that i am a victim of identity theft, I also sent my identification social security card and my FTC report. 
2nd request and this is the second time resending all the information again
Consumer complaint received 2022-11-05
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 (UT)

I received an email to my personal email from Bank of America that an application had been received for an XXXX XXXX XXXX in my name. I also received an email from my credit monitoring service than a credit inquiry had been made on XX/XX/2022 to XXXX. The following day, I received an email stating that the application had been approved and the account was opened. This was a fraudulent application made as a result of identity theft. I contacted Bank of America to notify them of the fraud. I found out that the card had a {$30000.00} credit limit. They told me they placed a block on the card, flagged it as fraudulent, and would investigate and close the account. I also contacted my credit monitoring service for help with resolving the matter. I do not know how my information was compromised but it is alarming that Bank of America would issue a card with that high of a credit limit right off the bat. It seems irresponsible.
Consumer complaint received 2020-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

For about two years now, National Credit Systems , Inc in XXXX, GA has continuously and repeatedly attempted to coerce and induce me to pay a debt of {$2700.00} which I do not owe. National Credit Systems , Inc. has repeatedly failed to validate and substantiate my Contractual Agreement with them, bearing my signature. Their blatant disregard and exploitation in filing negative information on my credit profile with all  the credit reporting agencies has continued to cause me and my family pains, costing me opportunities for good jobs, and financial pains and inability to even rent an apartment.
Consumer complaint received 2023-06-20
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: Navient Solutions, LLC. (CA)

For several years my Student Loan account at Navient displayed an old, incorrect email address when I checked the contact information. Live operators on the phone also corrected the email address at my request but later the old email would resurface. 

This can be proven in a court of law by examining logs and records at Navient. 

In XXXX I received a notice from my bank ( not Navient ) the negative items were on my credit report. Navient reported me 90 days late on 2 accounts. I had no knowledge they were due. All my loans were in deferment as far as I knew. My credit is good and I always pay on time. Check my history, please. 

Navient asked me previously to use " paperless '' notifications. Their system failed to perform correctly and caused me real harm in a XXXX point credit score drop. When I check ed with Navient on the day of the negative credit report, the contact page displayed my old, incorrect email address. I corrected it. 

This can be proven in a court of law by examining Navient computer logs and records. 
Ironically, my credit history suggests I am correct.
Consumer complaint received 2020-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has violated my rights stated in the fair credit reporting act 609 ( a ) ( 1 ) ( a ) and 611 by not providing original signed contract verifying  that certain accounts belong to me. I also disputed information regarding identity theft which constitutes immediate removal according to the fair credit reporting act 605 b regarding information resulting from identity theft. it has been over 60 days since I sent in my initial dispute with supporting documentation and TRANSUNION has not removed these fraudulent accounts.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told th at I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Consumer complaint received 2020-08-16
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. (CA)

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX  fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I applied and received two credit cards from XXXX XXXX ( Now XXXX XXXX ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. Portfolio Recovery Associates apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. Portfolio Recovery Associates is  still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I noticed this collection on my credit report through XXXX XXXX today, XX/XX/2020. I never received notice from this company regarding this debt. I disputed the validity of the debt By contacting the number in the credit report. I advised to verify or validate this debt in writing. The call ended. I have disputed the debt with XXXX the dispute is on file with XXXX XXXX as reporting inaccurate or non valid information on my credit report. I should receive an update from XXXX in 30days.
Consumer complaint received 2020-08-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

We bought our home through XXXX XXXX in XX/XX/XXXX and our VA loan was transferred to Freedom Mortgage in XX/XX/XXXX. On XX/XX/XXXX, my husband received a call from XXXX at Freedom Mortgage regarding refinancing our home. My husband said he would look at the documents that XXXX would send but we weren't considering refinancing at this time. We received the documents the following week, reviewed them, and decided we were not interested in refinancing. My husband emailed XXXX on XX/XX/XXXX after Freedom Mortgage had already called him twice about refinancing. He communicated to XXXX that we were not interested in refinancing. Freedom Mortgage has called my husband every day for two weeks ( beginning XX/XX/XXXX ) about this application despite the fact that we have told them we are not interested. They have even gone as far as to tell my husband it was an " emergency '' and he needed to call back. A different representative from Freedom Mortgage calls him each day. We do not appreciate this sort of aggressive refinancing marketing and believe they are trying to get more money from the VA through this sort of refinancing scheme.
Consumer complaint received 2020-08-16
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. (GA)

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never paid the XXXX XXXX account late, I have never paid the XXXX XXXX   account late, I have never paid the XXXX account late. Experian has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Consumer complaint received 2020-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, I took out an {$8000.00} private signature loan through Sallie Mae and XXXX XXXX XXXX with my grandmother as a co-signer. It became the biggest mistake of my life. 

This spiraled out of control as I was being sent letters now from XXXX for years before Navient as I was eventually getting phone calls from XXXX in XX/XX/XXXX, who somehow gave it to Navient inherited that debt somewhere in XX/XX/XXXX. 

Navient bought my Sallie mae " private signature '' loan and consolidated it into a federal obligation. 

I have tried to have this taken off my credit - but XXXX  and XXXX  listen to whatever Navient says. 

-Not one " servicer '', or any of its agents, ever, offer any clarification of why my private loan was somewhere else or provided any education me on my rights as a borrower in any of our phone discussions before being handed-down fr om one servicer to the next. - compare and contrast my ever-changing responsibilities for repayment. Not one e-mail, not one recorded phone call. - Explained how and where to get help if you need it - Provided knowledge on how to protect my credit rating - Reviewed deferment options - Highlighted the seriousness of defaulting and what will happen if that occurs -Provided any sort of reasonable repayment options other than forbearance. 
Or showed possible loan forgiveness options Nothing. 

Navient is listed as an " educational loan '' with 34 charge-offs on my credit report, yet, it's a 16- year old private loan that got manufactured into this federal loan from Sallie-Mae/ XXXX XXXX XXXX , I have yet to see a signed a promissory note and was unaware of " exit counseling " until I recently. 

It has impacted my life emotionally and financially I never understood what was going on and was never aware of alternative options that would benefit me greater than what they had in mind. They have marked me down for 39 charge-offs? 

I have tried speaking with Navient, but they get rude, XXXX listened and investigated before removing the item ; I ask XXXX and XXXX to explore deeper. 

I want to be able to not have this on my credit anymore. I am paying for other people not doing their job and not doing the right thing.
Consumer complaint received 2022-05-25
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: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

COMENITYBANK/VICTORIA, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP. 

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

On XX/XX/2020, I pulled my 3-bureau credit reports from XXXX and found a collection from National Credit Systems in the amount of {$3200.00} on behalf of XXXX XXXX. I noticed that the debt was a joint account, and I never had a joint lease with someone else in the past. So I sent National Credit Systems a letter asking them to verify the debt, specifically asking for proof such as a breakdown of fees and how they calculated the debt. I also asked for some type of proof that the debt was mine, such as signed documents by me or anything that would identify me as responsible for the debt. Knowing that this debt is not mine, I was confident that they could not prove this debt as mine and I intended have the false collection removed from all 3 bureau reports. 

However, when I received a letter back from National Credit Systems, I found that not only had they not given me any supporting documentation proving that I am responsible for this debt, but they also INCREASED the amount they claim I owe by more than double. They now claim I owe {$6900.00}, and they intend to " update '' this with the 3-bureaus. What's worse, they typed " Enclosed you will find documentation provided to us by XXXX XXXX. '' and tere was no documentation enclosed. Only the single letter which I have attached to this complaint was in the envelope. I believe they placed this statement deceptively to make it seem as if documentation was sent, when truly it was not. 

I find it very difficult to understand where they got either of these totals, especially since the credit bureaus reported that the last time this debt was supposedly verified was XX/XX/2020. I have tried to dispute this with the bureaus as well, but the entry remains. I would like to finally get this false collection removed from my credit reports so I can move on with my life.