davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (FL)

I have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.
Consumer complaint received 2023-03-01
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 (MD)

Reviewing my account and payment history. Capital One is reporting a late payment to both XXXX and XXXX for the month of XXXX. This information is false, and the history shows where I even paid extra for that specific month. I will attach the payment history from their own website. 

I attempted to reach out to Capital One on numerous days, only to be hung up during an automated transfer several times. I tried their chat system, and it directed me to call. They are also not reporting all of my payments monthly on my consumer report. 

The law states this information has to be 100 % accurate, or it must be removed or deleted. 
I am requesting that it be deleted from both my XXXX and XXXX consumer report. Furthermore, I did not give them permission to furnish this info to the reporting agencies. 

FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) state this information is to be excluded from being reported to any consumer reporting agency.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I have two federal loans with XXXX college for graduating as a XXXX XXXX..  which I am very Proud and Thankful.. But the loans together equals XXXX...I paid at least 5 times...($XXXX).... After checking my credit report a little often...it shows up NO payment...Or Late payment...NOW I CANT SEEM TO MAKE ANT PAYMENTS BECAUSE IM ABOUT TO GET EVICTED FROM MY HOME OF 5 YEARS WITH A XXXXYR OLD SON...I AM TRULY LOSING EVERYTHING... PLEASE HELP US
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I was charged 2 service fees of {$24.00} in total, the representative named XXXX from customer service only refunded one fee and refused to refund the second fee. At XXXX XXXX  we agreed I needed to speak with a manager, she pretended to transfer me but instead she has me on a silent hold. At XXXX XXXX  I am still currently on a silent hold as I type this, so this has gone on for over an hour. This employee has extremely horrible customer service skills no regard for customer satisfaction. She was not able to help me and does not want her supervisor to assist me.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC. (NJ)

I got to myself into some debt and asked my friend to help me. He did a balance transfer from his citi bank credit card to my Ally Bank Ollo Mastercard. Ollo decided that the transfer was fraud. They closed my account, reported the fraud, my credit score has gone down and they have kept the nearly XXXX XXXX dollars. I don't have the money, my friend has not gotten the money back either. 

I call Ollo every day, and every day I get a new excuse. We have provided them with all the documents that I will attach. We told them to simply call XXXX bank and authorized them to do that. They won't read the documents, they won't call XXXX Bank, they won't transfer the money back to my friend XXXX. They could simply call XXXX and verify? They won't do that either. 

They have stolen our money and called us the thieves. 

The stress has actually caused me to break out in XXXX.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-10-30
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. (MO)

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. 
I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these entries and providing all necessary supporting evidence to substantiate my claims. Despite my numerous attempts to rectify these errors, the response from the credit bureaus has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand the importance of maintaining accurate credit reports and am committed to restoring my financial integrity. It is crucial that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions if these discrepancies are not resolved promptly. I hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the following fraud items : 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

Account # XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Multiple unexplained charges. Delayed application of payments. Double billing. Erroneous towing reported to credit due their billing systems issues. Unresponsive and dilatory to requests to investigate problems. Billing processing ( i.e. submission, receipt, application ) does not include transaction/confirmation numbers with date/time stamps.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have about XXXX different student loans that is currently with XXXX/Dept of ED ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with XXXX and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I XXXX XXXX, consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Preston Clark & Quinn (LA)

Called on XX/XX/23 to myself and my sister stating I would be served papers. Upon calling back I was told I was being sued for an extremely old debt and after I attempted to tell them not to call my cell phone or my sister 's cell phone I was hung up on repeatedly.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A. (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 





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Consumer complaint received 2024-03-13
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-10-30
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have one open student loan with Navient. I send a payment every week to Navient with the loan number listed in the memo of the check. They apply the payment to 6 other loans that have been closed and sent to collections to be handled by a different company despite the fact that the loan number is listed on the check. I have not made a payment on the closed loans since XXXX but in my credit report it shows that I am paying monthly on them. I am not paying Navient at all for these loans. I have talked to them four times to have them correct this and apply the payments correctly and they will not. I have previously filed with the CFPB and they corrected it momentarily and then went back and did the exact same thing. I want all payments ever sent to Navient to be only applied to the open loan, and it corrected on my credit report for both the open and the closed loans. The last payment made to any closed loans was in XXXX and was sent to XXXX   XXXX, not Navient,
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have several inaccurate and inconsistencies on my credit report. XXXX, XXXX, and Equifax have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX  report provided by XXXX and my credit report from XXXX, A dispute response from Equifax. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. XXXX and Equifax are the same, but XXXX is different. 
My payment history is missing payments on all my accounts. 
My report has 2 XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

Equifax Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

XXXX Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX XXXXXXXX XXXX thatvI didn't authorize. 
My report has 2 XXXX cards that don't belong to me. One for XXXX and XXXX.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems ( XXXX XXXX ) added an incorrect debt to my credit reports ( XXXX, XXXX XXXX XXXX XXXX ), dated XX/XX/22, in the amount of {$190.00}. This is an incorrect entry on my credit report history, as I do not owe any balances or have a debt with this debt collector. I have already filed disputes with all XXXX credit reporting agencies, and I am needing your assistance to help me remove and resolve this matter.
Consumer complaint received 2023-02-17
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXX XXXX XXXX XXXX XXXX and Fifth Third Bank. I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the Fifth Third dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (DC)

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (MO)

I have written XXXX XXXX, filed complaints with the CFPB and the credit reporting agencies in regards to this fraudulent account. I did not authorize this account nor did I give anyone permission to obtain credit in my name. This bill does not belong to me and I refuse to pay it.
Consumer complaint received 2023-01-19
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 (NY)

Original Creditor Capital One Account # : XXXX On XX/XX/2018, you have sent me the letter down below stating you no longer own this account and that it was sold and acquired by XXXX XXXX XXXXXXXX XXXX XXXX. In addition to that, the account has been closed since XX/XX/2018, and It is clearly time-barred by New York Civil Procedure Law Section 214-l which provides that an action arising from a consumer credit transaction must be filed within three years. 


Dear XXXX XXXX, We wanted to let you know about a change to your credit card account referenced above. Your credit card account with a balance of {$3200.00} was acquired by XXXX XXXX XXXX, XXXX on or about XX/XX/2018. XXXX XXXX XXXX, XXXX now owns your account and may contact you either directly or through an affiliate or third party. If you have any questions about your account, please contact XXXX XXXX XXXXXXXX XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sincerely, Capital One
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I went into the XXXXXXXX XXXX XXXXXXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.