davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which Navient charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of Navient and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you XXXX XXXX
Consumer complaint received 2018-04-08
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)

TRANS UNION, is reporting in-accurate and in-consistent information on my credit file. 

1. Date Account opened is in-accurate 2. Account number being published is in-correct 3. Last payment made has different dates ( XX/XX/2012 & XX/XX/2012 ) 4. Account is being Re-aged 5. XX/XX/2012 Published that account was charged off 6. XX/XX/2012 Published that account was 120 days late 7. XX/XX/2012 Published that account was Charged off Please see CREDIT REPORTS with in-accurate and in-consistent information, Also, see letter of evidence from XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-28
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be  furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (VA)

Opened XX/XX/2015 for the amount {$4500.00} place on my credit report. I never assumed or granted credit from Perfection Collection. XXXX XXXX went out of business and they forgave all money owed due to poor business practices.
Consumer complaint received 2019-09-28
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. (MO)

There is a bankruptcy ( Case # XXXX ) showing on my credit report with Transunion. I have submitted numerous disputes with no results. When the dispute was complete on each occasion, I was advised that they received their information from the public records source/reporter XXXX XXXX. I have contacted XXXX XXXX and also the courthouse that was said to have reported and was advised that there are no public records for me.I submitted all documentation received. I contacted Transunion and spoke with XXXX XXXX and was given a file number of XXXX. She advised that they did receive all documentation from the courthouse and XXXX XXXX and still refused to remove it with the previous disputes. Please assist.
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Last XX/XX/XXXX, I became to struggle making my mortgage payments, I submitted XX/XX/XXXX payment in XX/XX/XXXX, then I sent a partial payment of {$650.00} to cover XX/XX/XXXX payment along with the unapplied/suspense funds of {$490.00}, they responded asking for {$270.00}, that I sent.But that payment was never applied. I have been emailing the company. They finally responded in XX/XX/XXXX stating they will apply the payment, what they did not do. After that I sent a certified letter, I got a letter back in XX/XX/XXXX stating they will bring my account current. In XX/XX/XXXX I couldn't make the payment but I submitted 2 payments in XX/XX/XXXX. Since then I have been paying within the month. I already submitted XX/XX/XXXX payment, but is shows as XX/XX/XXXX payment on their side. Every time I call, I got transfer to the collections department, where they only ask me to send another payment. they offer assistance in XXXX ( my first language, but the waiting time is ridiculous more than 1 hour to get a person on the phone an then get transfer to the collection department. I made my last attempt last XX/XX/XXXX, when a supervisor told me they won't apply my payment even that I have 2 confirmations they will do it.
Consumer complaint received 2018-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meyer & Njus, P.A. (MI)

I recieved a letter from XXXX XXXX XXXX, XXXX  Attorneys at law claiming that they are collecting for XXXX XXXX reguarding XXXX credit card. I am disputing this collection because this account was already under dispute with XXXX.
Consumer complaint received 2023-04-06
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. (SC)

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, XXXX and Transunion can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I've reviewed this debt the medical company is trying to claim. I requested signed proof of those services. They have yet to provide those documents of services rendered. I know they aren't mine due to the dates they claim service was done. They failed to provide me anything and went straight to report my account to credit bureaus. My account was fraudulently used. I have a company I hired to investigate. This transaction is damaging my score and need this removed. They failed to provide docs which is a federal fair credit act.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I opened a Cashwise Visa Signature card with Wells Fargo Bank in XXXX of XXXX. I was assigned a credit limit of {$7200.00}. I made one charge of {$610.00} in XXXX of XXXX and have been paying on time ever since. I just received a letter from Wells Fargo in the mail on XX/XX/XXXX and much to my surprise they lowered my credit line from {$7200.00} to {$700.00}. The letter indicated my credit line was lowered as I did not have a Wells Fargo Checking or Savings account or any other line of business that they offer. I called their customer service line and they apologized for what was happening but made no effort to save me as a customer. I have had Auto and Home loans since XXXX and a Platinum Visa since XXXX. If they are trying to rebrand their image they have failed.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX credit card- administered by Synchrony bank ; Per this card 's cash back rules 3 % cash back should be given for Travel expenses. However, only 1 % cash back ( which is meant for all purchases ) has been credited for my XXXX fare ; Here is the relevant conditions per Bank 's online info : " 3 % CASH BACK AT RESTAURANTS AND TRAVEL PURCHASES : You will earn 3 % Cash Back on Eligible Purchases made at Travel merchants located worldwide ( excluding warehouse clubs other than XXXXXXXX XXXX XXXX ). 

Travel merchants are generally merchants identified by their MCC in categories such as airlines, rental cars, hotels, passenger rail travel, bus lines, cruise lines, timeshares, travel agencies, travel sites and tour operators. '' Please take this issue up with Synchrony bank and rectify their mistake so that I can earn 3 % cash back on XXXX fare purchases Not the 1 % they have credited this month. As I would be incurring at least {$1500.00} annually in my commute to work, this is very critical for me. Thanks
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

I called Santander Consumer USA Inc. to get payoff quote XXXX XXXX. The company representative XXXX gave a payoff quote figure XXXX. She said the figure was good until XXXX XXXX. 
Accordingly my uncle XXXX XXXX obtained a bank check for the exact amount and sent it via XXXX to the address XXXX provided. 
The check was received but by telephone the company now says that a further {$380.00} is due to extinguish the loan. They do not dispute that they provided a payoff amount of {$11000.00}, but say that figure was not complete. 
Having taken time from work on a weekday to obtain a bank check and gone to the expense of shipping it via XXXX, {$34.00}, I object to having to pay a further sum over and above the payoff quote I relied on from Santander 's representative. 
Santander should honor the quote they provided. 
Account # XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit score dropped over 100 points for no reason. I called transunion and they even said there were no negative factors in my account that could effect my score so drastically. They could offer no explanation and kept asking me for information on the transunion credit score website that didnt exist. When I told them the info they were asking for wasnt on the webpage, they just said they couldnt assist me unless I gave them that info. But it didnt exist. I looked while I was on the phone with transunion, then looked again and called back to be told the same thing. I believe they have inaccurately lowered my score, and nobody will help me when I call, they just want to know what negative factors were posted for the reason my score dropped. But there was no reasons given. There have been no changes on my credit score except one recent inquiry. When I look at my transunion report it shows my score changed, but on the graph it doesnt show a change. Please help, transunion has just ruined my credit while I was trying to buy a house and since it dropped so drastically it could take years to get it back up. Please please please help me.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2019-04-02
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: CORELOGIC INC (MA)

XX/XX/XXXX and XXXX a hard inquiry was pulled from my credit report without my knowledge affecting my credit score. I would like to have this removed or resolved if possible. This was possibly done from an online credit company doing a pull of my score without my permission.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OR)

I have a direct Express card which had my Social Security benefits on it and I lost my wallet with the card in it. Fraudulent purchases were made after I reported the loss to the police and I began the fraud investigation process with them inXX/XX/XXXX. I filled out and returned the paperwork via fax on XX/XX/XXXX, and again on XX/XX/XXXX. No one ever responded to me and I had to sit on hold for hours literally to talk to a real person. Once I got a real person but he put me on hold and the call was disconnected. I have followed up via fax in XXXX and XXXX of this year and again received no response. I reported Direct Express to the XXXX  and they told me that because Direct Express is affiliated with a government agency, they could not help me. I have made it this far without my money but I want justice. They are taking people 's money and there is no easy way to contact them.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have made disputes to Equifax to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with Equifax, including an XX/XX/XXXX dispute through the CFPB about Equifax not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the Equifax XX/XX/XXXX dispute investigation. Equifax confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to Equifax by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem have indicated that nothing else matters, including the privacy of my medical information. 

Equifax has indicated as a result of the XX/XX/XXXX dispute through the CFPB that they require the data furnishers to certify that they have complied with the law regarding dispute results. Otherwise I received no indication from Equifax that the medical information that has been compromised and continues to be will be protected or removed.
Consumer complaint received 2019-09-11
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. (TX)

I have submitted documentation 5 times to Experian regarding a charge off that is past the statute of limitations and has already been deleted by XXXX for this reason. I have asked multiple times why they wont remove it and if not now When will it stop reporting. I never receive an answer only a denial for the dispute request.
Consumer complaint received 2019-05-05
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. (NY)

XXXX has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Consumer complaint received 2019-09-29
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.

I feel they are taking to long to review and make proper decisions.
Consumer complaint received 2019-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

I am requesting that the late payments get removed from my account from XX/XX/XXXX-XX/XX/XXXX. I have struggled with financial instability for over a year which has caused me to struggle financially to afford basic needs such as food and shelter. Within that time frame I lost my job and have a death in my immediate family. That caused me to be homeless within that timeframe as well. I have XXXX children with no support and I am trying to get my finances under control. Im currently in the income driven plan for my loans however I struggle to pay that payment. Moving forward I will assure that on time monthly payments are a prior if I can get my payments a little lower that I can afford. If not I will make an on time payment for what I can afford.