davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (IL)

I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports
Consumer complaint received 2019-04-08
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. (TN)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TN)

I contacted Ally Bank regarding a 90-day extension request attached herein. I have previously disputed the late payments reported by ALLY Bank and feel like they are retaliating for my complaints. The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though XXXX XXXX  XXXX XXXX authorized the vehicle for resale after replacing defective parts. XXXX is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions the sales managers contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon XXXX XXXX   XXXX XXXX. During the interim, Ally Bank should honor the 90-day extension request.
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX XXXX XXXX. I attempted to transfer because the school lied to me and stole from me. I have tried to get answers since I enrolled but have yet to get anything beneficial for me. I was XXXX during this time as well, so I am also trying to catch up on these issues.I want to finish school and be successful. I need help getting all the information that you may have for me.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I opened this account app XX/XX/2020. I used the card for a two purchases and never got a statement in the mail. I know I owe the money for the purchases that is not my dispute. ( I have sent in the money to make the account current ).

My issue is two fold 1 ) I was charged numerous late charges 2 ) My XXXX credit score was majorly lowered by 90 points according to XXXX XXXX 

I tried to explain this to their collections representative but was told in no uncertain terms there was nothing they could or would do on my behalf. 

Thank you in advance for your attention to my problem.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. Equifax, XXXX and XXXX has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea
Consumer complaint received 2018-09-04
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. (TX)

Transunion continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX via certified letters and by following their disputing process online as well.

Transunion has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, XX/XX/XXXX is refusing to delete this information from my credit report.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc. (TX)

In XX/XX/2015 someone using fraudulent info bought {$5000.00} in items at Conn's.despite me showing them police reports, and the I'd and social used I got from the store it was purchased at they have not removed this default item from my XXXX credit report.i never have lived in colorado.i provided proof of long standing residency of my address in Texas.
Consumer complaint received 2018-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (OH)

I have been trying to Get a Credit Balance from From 2 US bank Branches in Ohio But to No avail. I will Not Wait 2 weeks to get my Over payment Balance. This is Decptive and out right fraud. They are making money on my money ... ... ... ... ... ... .. I Demand my Money with in 3 days
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

MyFedLoan 's site has been down for a week as of XX/XX/2019. I need to access my information in order to finish filing my taxes. I can not get customer service to respond. This is occurring with multiple people who can not access their accounts in order to obtain tax documents or to pay their loans. Both their main website and mobile app are not working. The website should not be down for " scheduled maintenance '' as it says for multiple days. I am unable to contact them through their webpage and have resorted to trying to contact customer service through social media.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WV)

I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX  XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AE)

XXXX XXXX XXXX website is currently indicating that it is down for " scheduled maintenance, '' and has apparently been like this for roughly 7 days. Furthermore, their " contact us '' section of the website is hidden behind the " scheduled maintenance '' page as well, making it difficult to contact the company to address the situation ( unless you already have their contact information ). This is delaying my access to tax documents and making it so I am unable to see the status of my monthly payment.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (LA)

I recieved loans from XXXX XXXX as well as navient I requested a economic hardship deferment on XX/XX/19. Neither company has reached out I was told there is a delay in the processing of the forms that are electronically submitted however I am receiving current Bill 's as well as threats to report delinquent to the credit companies. I am unemployed and currently recieving state assistance. I am unable to make any payments hence the forms. However the student loan companies listed are not providing adequate options to prevent my account being sent to delinquency and penalizes due to their delay in deferment request.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX, my tax refund was deposit into a prepaid serve card through tax act. The amount was XXXX. I notice that when I started to use the card that there were unauthorized double charges I reached out to the Serve card who was very rude I was transferred to two different people. I explained to them that there were charges by both XXXX, and XXXX that I did not authorize. They told me that they looked at it and, the amounts would be credit back to me by XX/XX/XXXX nothing has been credit back to me. There was a charge on XXXX XXXX for XXXX and, a Charge for XXXX on XX/XX/XXXX, and I charge on XX/XX/XXXX with XXXX for XXXX what does not make sense is I do not have a XXXX account. I told them I was going to stop using the card tell it was fixed. Another was mailed ending in XXXX but has a XXXX balance and, the card ending in XXXX has a balance of XXXX they have not even fixed nothing no phone calls nothing. I called both XXXX and XXXX they can't release any information but, did tell me to reach out to my bank, and let them know because the information they have on file does not match mine. Well, of course, it does not because I did not use my card for those purchases.
Consumer complaint received 2019-04-07
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. (TX)

Sent Equifax my police report along with documents showing the fraudulent id and social used to get these accounts.supposed to block them or remove.they have ignored it.finally found an attorney to file suit if they do not remove after this. The accounts are XXXX XXXX card services.XXXX XXXX XXXX.and XXXX XXXX.none are mine.all account originated in Colorado where I never lived.
Consumer complaint received 2018-04-03
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. (IL)

Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and Experian and XXXX refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. Experian and XXXX keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On XX/XX/2023 I found out that I had a debt from XXXX  for {$180.00} that was being collected by CCS Collections. When I called XXXX, they verified that I was not the person that owed the debt. I then called CCS Collections and they informed me that there was nothing that they could do to remove the debt and I had to prove my identity. It is not my responsibility to prove that they screwed up. This is preventing me from getting a loan.
Consumer complaint received 2019-04-07
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. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, equifax, and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX   as a credit card, and equifax is reporting no account type. XXXX   is reporting a monthly payment of {$0.00}, equifax is reportng {$97.00}, and XXXX is reporting {$0.00}XXXX XXXX is reporting the last reported date as XX/XX/XXXX, equifax XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, equifax as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX  is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and Equifax is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Consumer complaint received 2019-04-07
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)

Have tried to get Experian to block these accounts from my credit file.its been proven they were identity theft accounts.Police report etc.As well as getting copies of id and social used.nit mine.They are supposed to block or remove fraudulent accounts. The accounts I want blocked are XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX card services.They never did a proper investigation.
Consumer complaint received 2023-07-26
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. (MA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-07
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: U.S. BANCORP (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX  as a credit card, and XXXX  is reporting no account type. XXXX  is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and XXXX  is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and XXXX  is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Consumer complaint received 2021-02-09
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: JPMORGAN CHASE & CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB CARD Inquired on XX/XX/2020, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-04-07
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. (PA)

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, Experian, and XXXX   but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX  is reporting a monthly payment of {$360.00}, experian is reporting {$0.00}, and XXXX is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.