davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 

This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has been tortuously combative against this borrower for the last 3 months. 

We submitted our authorization on XX/XX/XXXX. We called in XX/XX/XXXX and were told the validation of our authorization would be completed the next day, XX/XX/XXXX. 

XX/XX/XXXX we called in and were told our authorization was going to take an additional 10 days. We tried to speak to management and escalations several times. The reps were consistently rude and combative with us. When we were finally transferred, we were repeatedly transferred back to their department in XXXX, which we know from the last 12 years working hundreds of files with PHH ( XXXX ) to be worthless at problem-solving. 

PHH is giving us the same treatment they have been giving the borrower over the last 3 months. The borrower is a minority whose husband has recently passed away. On top of the stress of her husband passing away and then realizing she is going to lose her home, PHH has taken it upon themselves to be combative and abusive. 

This is UNACCEPTABLE. I want our authorization to be validated immediately. I want answers as to what is going on on this file NOW, and the egregious and unprofessional behavior to STOP!!! 

CC : 1. OAG 2. XXXX XXXX 3. OCC
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient is the WORST student loan company. Navient misallocates payments and suggested me multiple forbearances instead of income-driven repayment plans. They provided unclear information about how to re-enroll in income-driven repayment plans. They also call non stop, harassing me when I asked them to email. I am making {$350.00} per month and I am ONLY paying for interest. At this rate I will be paying them my whole life.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

In XX/XX/XXXX, I attended XXXX University after my mother signed up for my Student Loans. We learned of XXXX University through T.V ads that targeted low income XXXX and minority communities with false information about degree plans and rates of success with jobs. 

At this time in XX/XX/XXXX, I still remain in debt due to Student Loans provided to XXXX University, along with debt on my Student Account at XXXX University.
Consumer complaint received 2023-01-12
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. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (FL)

I have called SageStream no less than 10 times over the past few weeks and can not get a live person. There is also a prompt when calling, to have a SageStream representative return your call ( without losing your place in line ). No one has reached to me. After countless attempts by phone, I submitted an electronic request via email on XX/XX/XXXX and again on XX/XX/XXXX ( 2nd request ) for a Full Disclosure Consumer Report, Security Freeze, and SageStream Score. I followed the instructions from their very own Website and faxed my personal and sensitive information along with proof of identification ( driver license ) to SageStreams secure fax line ( XXXX ). I have yet to hear from them. They have not responded in any way ; not even an automatic reply confirming my request was received and will be processed in a certain timeframe.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC (TX)

I noticed a collection on my credit report for a debt that is not mine show up on my XXXX, XXXX, and XXXX credit report. I disputed the debt right away as the original creditor is not someone that I signed an agreement to extend credit with. I was notified that the debt was validated and remains. I submitted another dispute with the request from all three and to no avail, the debt was again validated. 

I do not owe this company, I have received no information of a debt from this company and the requested proof of debt has yet to be provided. I have another collection that the company has also failed to do and all three credit reporting agencies have failed to provide any proof of validity to the debts. I have contacted the companies and both still fail to validate the debt and are demanding payments that I do not owe. They have yet to provide any legal proof that I owe these debts. 

XXXX XXXX in the amount of over {$7800.00} and they are charging more than 80 % interest on a debt that was paid. The original company has been out of business for over 4 years. The debt was paid in full in 2016. 

Leafy Financial , LLC in the amount of over {$5400.00} for " XXXX '' XXXX. I financed through XXXX and that was paid in full with a XXXX balance. XXXX XXXX has not returned my call nor contacted me back via email to discuss this account. This is not a valid debt and that debt is not owed to this furniture store.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Swan Financial Corporation (KY)

I have spoken with a banker at swan  Financial and every time I try and get answers they make me call their cell phone. My realtor also stated if I use them I will get lower costs and they will cut certain fees using them. This is making me so uncomfortable that I do not know what to do.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/XXXX from the XXXX XXXX in the amount of {$110.00}. Included with the dispute was an email from the XXXX XXXX informing me the hotel canceled my reservation. This should have been more than enough evidence proving I did not receive services and should not have been charged. 
on XX/XX/XXXX way beyond the allowed timeframe allowed to investigate and resolve this dispute, Chase sent me a letter stating they believed the merchant provided the services paid for, even though they were in receipt of a letter from the property stating otherwise. 
Thus not only was Chase in violation of 15 United States Code 1666 Correction of Billing Errors statute, they obviously never even investigated the dispute which the hotel directly admitted was an error.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I paid off my car loan early with a cashier 's check from XXXX that was deposited by XXXX to their XXXX XXXX account. XXXX is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided Experian with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.
Consumer complaint received 2022-12-29
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: Global Lending Services LLC (MA)

On XX/XX/2021 Global Lending Services has accessed my credit report from XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a violation of my rights.
Consumer complaint received 2021-06-10
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft 08 SYNCHRONY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I am fully aware of my payment history with Toyota financial services. My biggest complaint with this reporting to the CRAs is the fact that I did make a payment in person with cash on XX/XX/2021 that payment is the payment that was in place for the XX/XX/2021 payment. The payment made on XX/XX/2021 was not made on XX/XX/2021 it was received by Toyota XX/XX/XXXX and I am being penalized because the payment wasnt processed by XXXX Toyotas stating that I made a payment on XX/XX/XXXX, I did not make any payment on the XXXX of XXXX. That payment was made on XX/XX/XXXX as there were issues with my bank account. There is nothing in Toyotas terms and conditions that states the process for making a cash payment or payments made outside of XXXX payments. A payment for XXXX was PAID in CASH on XX/XX/XXXX before XXXX XXXX which is my deadline and I provided proof of payment. I am not responsible for processing time from Toyotas payment partners and lack of instructions for those who chose to NOT make payments directly through XXXX. The payment proof is the receipt provide as its postmarked/dated and time stamped with the correct payment date. It took a total of 4 business days to process this payment which I am not liable for.
Consumer complaint received 2023-01-12
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. (NY)

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-25
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. (CA)

I never heard of this company before. I am not the owner of the student loan from XXXX I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified.  Insufficient information. I requested Method of Verification -  evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc. (AZ)

This company Account Recovery Services , Inc which i have NO CONTRACT with is Reporting on my credit reports fraudulently.

* Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2019-07-25
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. (TX)

XXXX XXXX XXXX been paid down with XXXX Fcra violation Transunion refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Consumer complaint received 2019-07-25
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. (TX)

XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Consumer complaint received 2023-04-04
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 
This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (CA)

Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX   to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (CA)

Filed a dispute with an old payday loan that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (MS)

Tried to pay account the website would not let me pay my loan when logging in the rep said I had a day and deadline to pay it on the day of the deadline it after logging it the website would not allow me to make my final payment therefore therefore causing me to default on my loan I also tried calling the office and was unable to get a rep back to accept payment rise makes it difficult to get assistance to get anyone on the phone to pay and locks up their website on the date the payment is due causing the consumer to pay late fees and terminating account due to their system error
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX  has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( Experian, XXXX, and XXXX  ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NC)

These accounts do not belong to me. I have been disputing this for a while. I have attached my id theft report please delete these accounts. I am a single, struggling, middle class father. These accounts have caused me a lot of unnecessary hardship.