davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

During XXXX I called sequium to settle a time barred debt I have with XXXX. Excepted a settlement offer. When payments did not come out of my account as promised, I called sequium and was told payments failed. I have no idea why, because the money was in my account. The rep spoke with claimed my settlement offer. Supervisor XXXX XXXX magically found the offer in the payment system. Made payments with her. I asked why the settlement offer was not showing on my account on the website. She said that something I need to do on my end Today ( XX/XX/XXXX, information was still not visible on my account. I called and AGAIN representative tried to collect Full amount of the debt. Supervisor XXXX   informed me that I would not get information about the settlement until ALL PAYMENTS WERE MADE. I called back and was informed by another supervisor that I should contact the compliance department through email. However, he could make no promises about any documentation. 

I am applying to take the XXXX XXXX XXXX  in Texas. I am required to provide information to the character and fitness committee, showing that I am making satisfactory arrangements on my debts. 
Believe I am entitled to this information. I have gotten this information from other creditors. I have no idea why I am having to jump through these hoops.
Consumer complaint received 2019-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

My mother consolidated loans in 2007 with Sallie mae one opf which was supposed to be paid to XXXX XXXX XXXX. thats the first thing, it was never pd to them and now im being charged from XXXX XXXX and on the consolidation from sallie mae which was sold to navient whioch is a horrible organization.they have me on an interest only payment because they offered me no other option for repayment they had me when i was pregnant on a forebearance which shot my accruing interest sky high they want over 1000 dollars per month from me which i can not do i have a family, they told my mother to cut down on her food consuption so she can help me pay my loans. 
2 of the consolidation loans equal about 30 grand and i cant get any info on what was consolidated since the loans were sold to them. if in fact one of the consolidations was to pay off XXXX XXXX then i am owed a heck of a lot of money from them becasue they never paid the loans. I believe there were other loans consolidated on the 2 as well. 
please help me I dont know who to turn to anymore, and they keep raising there interest rates as well. 
thank you XXXX XXXX loans are under XXXX XXXX my maiden name
Consumer complaint received 2019-01-21
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. (VA)

XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX  and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
Consumer complaint received 2018-05-21
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: Bread Financial Holdings, Inc. (PA)

My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Consumer complaint received 2023-02-28
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. (OR)

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2021 and a 90 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

Credit collections services added a negative item on my credit report in XX/XX/2022. They allege that it was from an overdue bill for auto insurance by XXXX XXXX  in the amount of {$250.00}. I never received any communications from them prior to the item being reported to the credit bureaus. I requested a removal but no success
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (SC)

Issues Related to Wells Fargo Home Mortgage : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo Bank. Wells Fargo was notified of the bankruptcy on XX/XX/XXXX. At that time, WF ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with Wells Fargo. I applied for mortgage assistance several times, and in the process, Wells Fargo referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX  and XXXX. I found that Wells Fargo reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called WF on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that WF was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first WF representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

WF has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the WF account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to WF.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a dark colored commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was unable to put my college, XXXX XXXX XXXX California, into your system. 

PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? 

I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. 

I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX  XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. 

I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. 

I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!
Consumer complaint received 2024-03-14
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)

Date : XXXX XXXX, XXXX Subject : Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Last XXXX of SSN # XXXX Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX. The notice was sent to a non-mailable address or never sent, and as a result 30 day notice was not sent before this was put on my Credit Report, I requested its IMMEDIATE REMOVAL from my consumer report. Also, Transunion has this listed status as a loan they never gave me any money and I requested validation of debt over XXXX months ago and they never sent validation of debt letter. This my second CFPB complaint XXXX and I never received results from Transunion. 
I called XXXX XXXX XXXX and they told me balance was more than was was on credit report, so I requested proof but never received it either. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. 
I revoked my permission to report any of my personal identifying information I previously gave to XXXX XXXX XXXX to share, sell, transfer, trade and assign to any non afflitiate, third parties, and/or CRAs. I revoked and rescind any written, non written, verbal, nonverbal personal identifying information I given to XXXX XXXX XXXX to share, trade, transfer, sell, and/or assign to any non-afflitiates, CRAs or third parties that go beyond the business fiduciary duties. 
My name XXXX XXXX XXXX is copyrighted and my personal property that you are using on consumer reports, SEC, and any documents. If used again for financial gain it will cost the non profit company {$500000.00} for each use. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Consumer complaint received 2019-01-21
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. (AZ)

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).
Consumer complaint received 2023-02-28
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. (TN)

I never signed consent to share my information In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hello my ONLY name is XXXX XXXX XXXX and any other addresses besides XXXX XXXX XXXX XXXX XXXX, IL XXXX should be removed. I am not self employed. I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Consumer complaint received 2023-02-28
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. (LA)

In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. 

I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. 

Your help would be greatly appreciated. 

Thanks.