davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
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. (CA)

many XXXX  accounts were opened under my name fraudulently, i have been very stressed and out of ordinary. please help me out with this situation. 
i will be attaching my police report and FTC report.the FTC report will have all the accounts that are reporting inaccurately on equifax credit bureau. 
these accounts were opened fraudulently and with out my knowledge. 
please have these accounts removed, please help me to have these removed from equifax which they are not helpful at all. 
i have been disputing and providing all the necessary documents, but no response or even care from them. they have not been helpful at all. 
thank you
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GRANITE STATE MANAGEMENT & RESOURCES (NY)

Granite State Management has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for GSMR to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. GSMR has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted GSMR on the phone and informed them the information will be sent from the school. 
After GSMR received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. GSMR requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that GSMR has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for GSMR to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
15 USC 1666B This is a billing error always paid as agreed on time this is an error this account is in violation. They violated the United States Code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also according to 15 USC 1666 ( b ), they should have adopted to ensure that each periodic statement is mailed to me certified mailed or 21 days before the payment due date, which I never received. I have disputed this account multiple times with the bureaus. One of the original creditors even sent me documentation proof stating it was a system malfunction. XXXX XXXX never provided documentation showing they sent mail certified or 21 days before the payment. Update the payment history immediately and remove the account XXXX XXXX account immediately. 
XXXX hasn't updated my credit report in over 6 months. Misleading False Reporting. This Account negligently and inaccurately reported failing to comply with 15 USC 1681.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I paid {$330.00} to Apple / Goldman Sachs, to then complete my online purchase, and my account balance immediately reflected the payment, from {$2000.00} down to {$1700.00}. So then I tried my payment again. It was declined. I called Goldman Sachs customer support, and they said I'd have to wait XXXX DAYS until the payment was applied. I asked to speak to a manager, XXXX. She said there was nothing she could do. Goldman Sachs needs to fix it's broken systems and give me the credit to use on my account immediately when I make payments!!!
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Recently while conducting a monitor of my credit report I discovered that Midland Funding LLC has furnished some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Midland Funding LLCtorelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Consumer complaint received 2022-08-16
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: Holiday Finance Corporation (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank XXXX XXXXXXXX 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.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-16
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. (IL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2019-05-25
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. (CA)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Consumer complaint received 2023-04-10
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. (NC)

Between XX/XX/2023, and XX/XX/2023, Transunion allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Transunion has proof of this dispute received from me, please forward it with your response to this complaint.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have a loan with the lender, and I was attempting to pay the loan off early with their online services. I have had the loan on auto draft payments since the birth of the loan. The loan was acquired in XXXX through one mortgage company and then transferred to Carrington a few years ago. I have never had a late or missed payment until this alleged " missed '' payment. In early XXXX of XXXX, I made an additional payment on my loan and paid the max payment I was allowed to through their online portal. The payment was in the amount of {$9900.00}. Then on XX/XX/XXXX, I put in a request to increase my loan payment by {$1000.00} a month in order to pay the loan off faster. On XXXX, XXXX the auto draft payment was confirmed, and Carrington notified me that the new auto draft amount would start XX/XX/XXXX. I believe there must have been a glitch in their system, and the XX/XX/XXXX auto draft payment was cancelled. Between the {$9900.00} payment and the request to increase my monthly payment, the system suspended my auto draft payment for the month of XXXX. I did not suspend the payment. Carrington said they mailed me a letter on XX/XX/XXXX notifying me of the missed XXXX payment. I did not receive this letter. Since XXXX of XXXX, I have made additional extra payments on the loan. At some point, Carrington must have applied money from my additional payments to the " missed '' XXXX payment, therefore no other attempt was made to contact me regarding the missed XXXX payment. I was not made aware of this issue until last month when I was attempting to take out a loan. My loan officer notified me of an issue with my credit score, and this is how I found out about the issues with Carrington. I have attempted remediation with Carrington, and I have requested that they withdraw the negative report sent to the credit bureaus. They have refused to remove the negative information sent and claim that I am still at fault for the missed XXXX payment. I am distraught that my attempt to be financially responsible has resulted in a bad mark on my credit score that will haunt me for the next 7 years especially since this was no fault of my own.
Consumer complaint received 2023-04-10
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)

The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after Friday court on XX/XX/XXXX. On my XXXX and TransUnion credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX of XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the XXXX and TransUnion ACTUALLY investigated the matter, which they did not.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received credit alerts on XXXX app mfor hard inquiries reducing my credit score. XXXX XXXX confirmed a credit card and checking account were opened using my info. Capital one XXXX card was applied for and a XXXX card was applied for. I found an address on my credit file of XXXX XXXX XXXX XXXX XXXX XXXX code XXXX which is the address of XXXX XXXX date of birth XXXX phone no XXXX. Her social security no is XXXX. She has spent time in XXXX for bank fraud and I have text message telling me she accessing bank records because that's what she does for a living
Consumer complaint received 2018-02-22
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: SYNCHRONY FINANCIAL (WA)

Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a JC Penney Credit card that I did not authorize. After talking with XXXX they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both JC Penney and Synchrony Bank, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to XXXX to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to JC Penney/SYNCB for a letter of deletion.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hey, I am have serious trouble accessing my funds at any Bank of America atm. I tried taking out {$500.00} from my Bank of America Checking account around XXXX on XX/XX/2019. The transaction didn't go through and the atm said that I needed to verify my identity by calling the given number. So, I called and verified my identity. Then a few minutes later I tried making the same transaction again but was given the same message. I thought that something must be wrong with the atm so with no luck, I even tried using another atm at the same Bank of America branch. Frustrated, I just went on with my day, went to work and before coming back home at around XXXX I tried once more to get the same amount ( {$500.00} ) out of a different atm but failed again getting the same message again that they had put restrictions on my account. I got in touch with them once more somewhere around XXXX same day ( XX/XX/2019 ). After waiting for more than 30 minutes and explaining my situation to two different persons, I was finally told after verifying my identity AGAIN* that my debit card was now unlocked and I could use it at an atm. I went out and tried to make the same {$500.00} transaction that I had been trying to make for the last 12 hours but failed to do so by getting the same message. ( Keep in mind that I had more than enough funds in my account to go ahead with the transaction. )
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USI Solutions Inc. (DE)

XX/XX/2019 about XXXX Debt collectors from USI Solutions in PA XXXX XXXX called my father in law asking for XXXX XXXX then asked for XXXX ( my wife ). XXXX and I both recd phone calls with voicemails from XXXX XXXX. XXXX called back XXXX was trying to collect old debt from over 10 yrs ago that was paid off. XXXX then transferred the call to XXXX XXXX claiming to be the regional manager.  XXXX right away tried to collect {$1000.00} to settle already paid debt. He said this was from when the economy dropped. He had no information and said the attorneys office where I paid was closed. I have no record of this on my credit report in bad debt. He said it could hurt my credit if I dont resolve it.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (TN)

I filed a complaint with CFPB ( Complaint # XXXX ) regarding fraud by my school and being steered into this private loan by the fraudulent school. I wasn't informed that the loan wasn't a government loan and couldn't be consolidated and would have much higher interest rates than the government alternative. 

When I filed the prior complaint, Navient denied me the loan discharge application for fraudulent schools, stating that my type of private loan ( Tuition Answer ) wasn't eligible. Navient shouldn't be able to avoid sending the application because of the title of the loan. It's a private loan from Navient, the name shouldn't matter. There was clear fraud by the school as detailed in my last complaint and well documented by the Department of Education as they are the ones who shut down the school for fraud. 

Navient shouldn't deny an application because of the loan type.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.