davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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. (TX)

I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' ....

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal.

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}.

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.
Consumer complaint received 2018-08-16
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: ERC (AZ)

for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient is fraudulently claiming I owe money on 3 loans totally {$6000.00}. I have NEVER done business with this company ; I DO NOT owe them any money ; They REFUSE to stop negatively reporting on all 3 credit bureaus ; They REFUSE to correct my credit report, which is now negative SOLELY because of this fraudulent business! Due to my diligence and vigilance in trying to correct these erroneous errors on my credit reports, this alleged fictitious debt is remaining on my report ( though outdated ) because the clock keeps resetting itself. I have tried everything, short of a lawsuit, to prevent company from continuing to besmirch my reputation and ruin my good name and credit. I am extremely flabbergasted that they are still able to operate as a legal business as it is a known fact that they are fraudulent and have deceptive practices. I am asking for a cease and desist resolution that Navient cease all communications with me ; remove their entries on my credit reports ; and correct all erroneous data on my credit reports expeditiously.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

The afternoon of XX/XX/2021 Chime decided to close all my accounts ( credit, checking and savings ) out of the blue without any information or explanation. I was a Chime account holder for over a year without any issues, and they refuse to help me or answer any of my questions after numerous attempts to contact them through their email ( the phone number will not work for non-account holders ). My financial support system was just completely erased and Im getting the proverbial middle-finger from Chime. After searching online, Ive noticed this exact thing has happened to MANY other people. This unacceptable and will not be tolerated.
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OK)

I called the company on XX/XX/XXXX requesting them to remove the late payments from my account. I am up to date with my payments, and I am needing the late payments off of my account to help out with the home loan I am trying to obtain. Ally financial told me they would not do this for me, when they actually are able to do this.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report XXXX Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC. (MO)

Navient is denying me an application for a XXXX XXXX XXXX for private loans simply because my loans are no longer outstanding. 

XXXX XXXX  XXXX XXXX XXXX XXXX is listed on Exhibit C for fraudulent behavior and pressure tactics, of which I was victim to, with the Sweet vs. Cardona.

I have a pending Borrowers Defense application with XXXX  and am a post class applicant.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (NC)

In XXXX of 2021 I reviewed my consumer report and noticed that there was information being furnished to agencies that was both inaccurate as well as damaging. I launched an initial independent investigation into several accounts listed from Wells Fargo XXXXXXXX XXXX, and XXXX and I noticed that not only were these companies furnishing inaccurate information, they were also in violation of a number of my consumer rights. I immediately notified these companies of the issues and violations and provided instructions for them to cure. They failed to do so and I was then inclined to seek resolution from the various credit reporting agencies including XXXX XXXX and XXXX in order to have these erroneous accounts removed from my consumer reports. These attempts failed and I tried again on 2 other occasions to correct theses issues. I am attaching proof of the most recent correspondence with the companies and agencies to exhibit my attempts at communicating. The letters I attached were notorized before being forwarded to the companies.
Consumer complaint received 2022-07-08
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)

XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I opened a new XXXX credit card account in XXXX of XXXX. I received my first statement and bill in XXXX, due XX/XX/XXXX in the amount of XXXX. I submitted an online bill payment of XXXX through my XXXX XXXX account on XX/XX/XXXX, with a pay date of XX/XX/XXXX. I received a confirmation number of XXXX and check number is XXXX. XXXX says they did not receive it until XX/XX/XXXX, it was late according to them and I was charged a XXXX late fee. I called XXXX and spoke with XXXX he told me to dispute all fees with Comenity Bank and provided the mailing address. I mailed a letter on XX/XX/XXXX and included screen shots of my online bill payment dates and confirmation number. I received a letter dated XX/XX/XXXX and another bill in the amount of XXXX two late charges and interest. I called back XXXX  on XX/XX/XXXX an asked to speak with a Supervisor. I spoke with XXXX and she told me that I would need to prove the date it was received, that the screen shots I sent were not proof. I told her I showed good faith in paying my bill on time by allowing at least 10 days but she told me that it didn't matter- that I am responsible for ensuring it gets to them by XXXX EST. This was my first bill with them, having been a new account that I paid in full and they are continuing to charge me XXXX {$35.00} late fees and interest until I pay. I have opened up an inquiry with XXXX XXXX to see if they can help.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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 2022-07-25
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (NY)

I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (CO)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX  # 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 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I have a problem with my American Express XXXX XXXX XXXX card and i am hoping someone can help me. i was supposed to get XXXX points after spending {$3000.00} in 3 months which i did fairly quickly. In fact, this offer is still on your web page ( screenshot attached ) : https : //online.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX  Later, we noticed that the XXXX points had not been allocated even though we had spent the money. We called and they promised to open a case and call us back in two weeks. When no one called, back. we called again and found that there was no case registered. We then spoke to your rep XXXX ( ID # : XXXX ) who opened another case ( XXXX  ) and has again promised a call-back.

Finally, we contacted the CEO 's office and they told us that we would not get the card because we had had the card earlier, which was apparently in some fine print that we were supposed to read.

However, our problem is that we are lay people expected to read many layers of fine print but American Express, with its army of lawyers, appears to have committed fraud by loudly proclaiming the XXXX   points without being equally loud in stating the exceptions. Also, when we are expected to read an unfamiliar contract, why would they not even know that my application would not qualify, right at the beginning? Also, why would not tell me when they at least gave the card? Or when i made the initial requests until it got to the CEO? Clearly, the intent to commit a bait and switch fraud and hope i would just give up.
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (WI)

Debt collectors can not falsify information or present themselves in a way that is deceptive including making false claims about the amount of the debt, who they work for, or what they will do if you do not pay the debt. 

Americollect on XX/XX/2018 called and claimed without telling me who they were that they knew my mother and it was a personal call. It was only till I insisted later in the call that they properly identified themselves but at this time I had already given them a number I would otherwise not have. This violates the law as they presented themselves in a deceptive way.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I made a XXXX payment on complete accident. I called on XX/XX/XXXXand asked for it to be returned. I even made XXXX $ to cover the minimum payment. They finally said they would do it and took my DDA info over phone. I was very unclear on the expected timeframe. I called today XX/XX/XXXX and they said it was declined. I talked to a " manager '' XXXX  ID XXXX. Who was incompetent and clewrly not well trained. He could not tell me why my request was declined. All he could REPEAT was to wait for the letter. I can't believe you don't have to software to tell me why or see the letter. I filed a formal complaint with him. This CFPB Complaint and will be faxing. I demand the money that is mine to be returned to me.
Consumer complaint received 2018-08-15
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: Southwest Credit Systems, L.P. (MD)

Hello. I got the credit alert that I have negative report by SWC.

I never opened any SWC or XXXX   account.

So I called XXXX  and SWC ( southwest credit system ).

SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.

" looks like Mixed-record " thats what they said.

I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back. 

Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX   by now ).
Consumer complaint received 2020-07-31
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: SYNCHRONY FINANCIAL (NY)

Synchrony Bank had sent me a letter regarding one of my accounts which is in good standing. I have several accounts with them and the information on the credit report is wrong. They closed this account and XXXX is the reporting agency. I spoke to a supervisor who I told I was verbally abused by a male representative. He upset me to the point where I was nervous about my other Synchrony Bank accounts. She said she would look into it and I might receive a letter from the credit agency about what's listed on my report.