davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WA)

I've contacted Sallie Mae multiple times over my loans no longer being deferred. While most loans have been reverted to in-school status with the bill-due removed to in-school status, one has not. I've contacted Sallie Mae multiple times through the phone and their chat service, attempting to resolve this issue as quickly as possible to continue making my in-school payments ( {$25.00} a month ). I've been working hard to increase my score over time and was disappointed to see my score affected by the lack of support from Sallie Mae on an issue that their system is having. I am told that their system shows that I was not in school, but that is inaccurate, as I was in school during the fall and summer quarters. I have made sure that my deferment status would not be affected and picked a graduate program with a start date that would not affect my loans. 
This is not the first time Sallie Mae has removed me from in-school deferment, and I had to call them before to fix this issue. I can't be {$400.00} past due when my in-school payments are {$25.00}. My overdue balance would take many months to reach {$400.00}. 
Sallie Mae has repeatedly told me to " wait 3-5 business days and call again, '' and I've been doing that constantly for months. They have no way of tracking a claim, or how to fo follow-up on an issue. They do not send emails about the progress of the claim either. I have been making payments for months without any problems, but I will not pay an out-of-school balance when I am still a student. Sallie Mae has all the necessary call and chat logs. I am ready to submit all the documentation needed to prove my case.

I have submitted the statements showing that Sallie Mae had removed me from in-school deferment and then put me back to an in-school status but never removed the {$300.00} payment. I have also attached a screenshot of one of the many times I have been told to wait while my credit score gets affected. 

Thank You
Consumer complaint received 2021-04-14
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. (IL)

Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

This is identity theft. I never had a credit card or applied for one. Asset Acceptance LLC plaintiff XXXX Case XXXX XXXX Total amount due $ XXXX XXXX Clerk in XXXX XXXX XXXX Please notify Asset Acceptance LLC this is identity theft. The are requesting that I file this with you and send them a fax XXXX
Consumer complaint received 2022-07-05
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violet my rights. 

15 U.S.C. 1681 section 602A. 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 2018-09-09
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: SLM CORPORATION (NY)

Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Collection agency reporting that the debt is from XX/XX/XXXX. The debt if from XX/XX/XXXX. 

Returned cable boxes in XX/XX/XXXX of XXXX. We were charged for the entire month. 

My credit score is over XXXX.
Consumer complaint received 2021-04-14
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. (NJ)

My Hipaa wrights has been violated, when a collection agency has access to my private medical files, This private information needs to be remove. 
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (OR)

On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both send me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Consumer complaint received 2024-03-07
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. (CA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 2024-03-07
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. (GA)

This is my follow up complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BXXXX 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 XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Credit & Finance, Inc. (SC)

A company from the phone number of  XXXX  called my father without disclosing the name of the company, in attempt to collect a debt owed to   XXXX   XXXX  . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I am so XXXX off by Chase bank. I went to the ATM to make a deposit on XXXX XXXX XXXX, XXXX NJ XXXX The ATM ate my deposit. I went inside to tell XXXX of the tellers and they told me I would have to call customer service. Upon calling customer service I was told that Id have to file a claim and wait 10 days for MY FUNDS that I tried to deposit to pay my car note. Now my car note is past due and thats about to affect my credit thanks to Chase. Another rep told me that Id most likely receive a credit to my account within 4 days and I still havent seen anything. Im on day 3. I filed the claim right after the incident on XX/XX/2023.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (SC)

XX/XX/2019 We ( XXXX and XXXX XXXX ) were approved for a deed in lieu with our Mtg Company SLS ( specialized loan servicing ).

We continued the process and completed this transaction with a deed and lieu and the property was turned over to SLS.

Loan # XXXX My complaint is that SLS is reporting falsely reporting that this is a Foreclosure on all three credit bureaus. 
My husband and I have made numerous calls to SLS to have this resolved and SLS reports that it being reported correct. 

I have also filed disputes with the credit bureaus with no resolution. SLS continues to report that the loan is a foreclosure and is being reported correctly.
Consumer complaint received 2024-03-07
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX 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 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XX/XX/XXXXXXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (TX)

This complaint entails my lease at GM Financial regarding my XXXX XXXX XXXX XXXX. I originally leased this vehicle for 39 months and the lease expired on XX/XX/XXXX. 

With good faith, I returned my pristine XXXX XXXX XXXX back to the original dealership, XXXX XXXX XXXX in XXXX, Texas on XX/XX/XXXX. 

The service manager along with one of the service advisors took inventory of the vehicle while collecting both sets of keys and going over everything on the vehicle. As per their direct comments, they both commented the vehicle was pristine, matching tired with more than proper tread while confirming I was under the alloted total miles, as per the executed lease agreement. I asked them the time frame of hearing back from GM Financial to see what would be owed, if anything. They stated usually 2 weeks. 

I left the country for both the holidays AND business on XX/XX/XXXX and returned on XX/XX/XXXX. 

I personally visited the dealership again and asked them If they can verify any information whatsoever. This is when they put me in contact with the General Manager by the name of XXXX XXXX. This gentlmen went out of his way and made his calls and contact and assured me in person that I absolutely had no excess wear and tear and I would not be responsible for any wear & tear and that {$0.00} was due from us. 

Additionally, he stated that GM Financial calls and mails clients a final bill, if there is any overages due to their initial contract. In the morning of XX/XX/XXXX, I recieved an alert on ALL my 3 main credit bureaus stating I was currently 30 days late on my ACCOUNT. 

First, they confirmed the last payment was made well before the due date and they also confirmed, along with the dealership that I turned in the vehicle earlier than the due date ( XX/XX/XXXX vs XX/XX/XXXX ). 

Now I have a 30 day late showing on my credit report thus causing an average of XXXX point drop on my 3 credit reports! Additionally, I am due to close the last week of XX/XX/XXXX on another rental property and this will cause massive financial hard for a very huge error on part of GM Financial! 

To date and since the time of this writing. I never recieved any communications from GM Financial regarding anything after XX/XX/XXXX and yet now they left me with damaged credit and a perfectly maintained vehicle back in their fleet. Again, the dealership was the only party that confirmed I owed them nothing extra by visiting the dealership on XX/XX/XXXX. 

I have also contacted the Federal Trade Commission, Office of the Attorney General of Texas along with the XXXX  of the XXXX, TX Division. Additionally, as a practicing attorney here in Texas, I will begin exploring other possibilities to include filing a lawsuit for willful financial hard by violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX  XXXX XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX  XXXX XXXX, it's just really logistically impossible to indicate that it was late.
Consumer complaint received 2020-02-12
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. (AZ)

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.