davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (CA)

Me and XXXX XXXX have tried to reach Equifax on reporting my revolving credit card for 4 months and nothing has happen. XXXX XXXX has reported for 4 months my revolving credit card to Equifax and they haven't put it on my credit report. I've attached a letter from XXXX XXXX stating they've tried contacting Equifax to get this resolved. I've also attached a copy of the credit card.
Consumer complaint received 2022-12-15
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. (FL)

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. 3 Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.
Consumer complaint received 2024-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have had Loans with Navient since graduating from XXXX XXXX XXXX XXXX  in 2007. Because of the nature of my industry at the start of my career I had alot of difficulty finding work and managing my payments to Navient. 

Every single time I had difficulty paying off my loans Navient either gave me absolutely incorrect information suggesting forbearance vs income based repayment or other cheaper options, often costing me money to enter forbearance and also costing me money in the form of interest accrued during those times. 

Navient also originated a predatory subprime private loans to me and my father, even though it knew that there was very high percentage chance I wouldn't be able to pay it back, due to low graduation and placement rates at the school I attended. 

Navient also continuously failed to apply correct payments to my accounts during the course of my loans often misallocating or arranging the payments in ways that would cost me more than if things had been allocated properly. 

Navient also is in direct violation of the settlement terms of the XXXXXXXX XXXX XXXXXXXX case and has not only ignored my requests but flat out denied responsibility to do anything. They most recently denied my attempt to enforce the complete removal of the originating loans from my credit report. In contempt of the court rulling. 

Navient also violated the Telephone Consumer Protection Act by utilizing an automatic telephone dialing system to try to collect on missed payments. Calling sometimes outside of normal business hours. I know this was an automated system from the multiple different numbers that navient used to call from making them difficult to track and from the lengthy pause and click when I would answer and it would connect and transfer me to a representative. I tried several times to revoke consent and ask them to not call me or to not call my father but this was ignored.
Consumer complaint received 2023-03-21
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. (NC)

I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I live in NC and bank with a local bank, on XX/XX/22 my bank. XXXX XXXX XXXX  XXXX wired my daughter who is a student in the XXXX {$3500.00}. The US receiving bank was HSBC USA, and they were to send the fund on to the XXXX bank that my daughter banks with, which is also HSBC Bank XXXX. The funds never made it to her acct. and the funds have been sitting with HSBC us. My bank has tried a doz times to reach out to them and ask them to return the funds and they will not reply to any emails sent. Also 3 months later I still have not received the funds back and my local bank feels that they have no more options on how to get my money back or forward it on to my daughters acct. Any help you could do, I would be very great full as this money was for her living expenses over the next quarter for school. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

I had called the company that I did not sign for a car and they told me that yes in 2015 I said no I dnt even drive I go in the bus every day all they said is that no u owe this ... ..so I am writing to dispute these collections account. Under the laws of FDCPA and under the advice of my attorney, I have already sent them a dispute to the agency requesting validation of the debt with no response, asking them to validating my debts, and the receipts showing that I send these letter certified signature requests. These debt are not mine and I was given no evidence of my obligation to pay this debt to this collection agencies.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-15
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. (FL)

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. 3 Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX loan from 2011 was reported as last payment received on XX/XX/2011 for XXXX and XXXX. Equifax is saying its XX/XX/2011 and will not be removed until after XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XXXX. This XXXX account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
Consumer complaint received 2022-12-15
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. (CA)

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been already closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the account 's information : XXXX XXXX
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Profit Services Group (GA)

Upon reading my personal credit reports ( XXXX, XXXX, XXXX ), I noticed an entry from Profit Services Group ( XXXX XXXX XXXX ) account # XXXX. This collection account is the only negative entry listed on my credit reports and it has severely damaged my credit score. I spoke with a representative with Profit Services initially in the month of XXXX regarding this information because I was completely unaware that I had an unresolved medical debt with any medical institution. Since I was not sure about the details of the amount, the time, and the location of where this debt had occurred I asked the representative to please provide me with an itemized bill or statement from this medical institution. The representative stated that " Profit Services is not legally obligated to provide consumers with ANY statements, bills or form of validation ( even if the consumer has requested for their personal review or to compare with insurance information ). This claim by the representative seems very suspicious, considering that it is supposedly " my '' debt and they requesting me to hand over my money without personal review. I have called Profit Service a second time and I was informed that I would be receiving a copy and that it would be mailed to my current address. .I have not received that documentation as of yet.
Consumer complaint received 2022-07-22
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

XXXX XXXX XXXX ( Not XXXX XXXX ) unfairly charged me on an account that I have not used in years. Originally I started an account with them due to my low credit, and trying to build my credit score up. However, once my credit improved I stopped using their card. However, somehow, a month ago, I received a message from a Collection company, LVNV Funding LLC collection company, who claimed I owe XXXX dollar on the XXXX XXXXXXXX account. 

Throughout the 6 months ( Since XXXX 2022 ) that both they and XXXX XXXX claimed that I owe money, I have never once gotten any sort of noticed that my account was charged without my permission. And now both companies refused to work with me to resolve this issue.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

The following account has just shown up on my XXXX credit report... AWA Collections not only is this account completely fraudulent and not mine, its also as of 3 months from now not even legally collectable here in the state of California. This is the first I have even heard of this supposed debt four years later!

That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. XXXX was the first month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.

I have mailed letters to comapny and disputed and they refuse to remove off my credit report.
Consumer complaint received 2022-12-15
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. (SC)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : 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 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 an account without my handwritten instructions.