davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-11-30
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. (MI)

I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.
Consumer complaint received 2018-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I received a letter that Navient was taking over my student loan and that my payments would be going to them. I checked my credit score and it said that that particular loan closed and my balance was {$0.00} so Im a little confused as to why I would need to make payments to them. I also did a little research and it seems that this particular company is being sued for fraud, among many other allegations. I do not want to keep making payments to Navient if I do not need to. Please let me know what I can do. Thank you so much!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I appreciate your efforts in addressing some inaccuracies in my file, yet there remain items that require removal. According to FCRA section 605, you are obligated to remove any items listed in an FTC report, specifically FTC REPORT # XXXX. These issues were previously detailed in that report and an earlier complaint, and I am highlighting them again with the new FTC report # XXXX. I have informed my attorney of my plans, and they are prepared to ensure accountability in the event of your deliberate non-compliance. It is important to note that you have 4 business days to remove any inaccurately reported items from my credit file. I do not authorize the use of E-OSCAR or any form of automated verification for this process : 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 XXXXEquifax 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 I anticipate your prompt action on this matter and a response within 4 business days.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have an obvious duplicate hard inquiry on my account. It is from the same company, XXXX XXXX, on the same day. I've requested removal via dispute and TransUnion will not open the dispute without the XXXX opening it. I find this to be against the FCRA dispute standards. Additionally, if these companies are responsible for creating complex algorithms to detect credit risk, they should be capable of suppressing obvious duplicate data. I shouldn't have to do anything as this agency which has been tasked with accurately detecting credit risk should be able to identify obvious duplicate data. On my XXXX XXXX report, the same inquiry shows XXXX  times and is one of the factors that is showing as a problem on my credit report because instead of XXXX inquiries it looks like I have XXXX.
Consumer complaint received 2022-06-15
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: General Motors Financial Company, Inc. (FL)

Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -AmeriCredit Financial Services XX/XX/2022 XXXX XXXX ) XXXX XX/XX/2022 ( XXXX )
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (CO)

XXXX is reporting incorrectly to Equifax and XXXX that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was XXXX at this time ( copies of orders attached ).  Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Consumer complaint received 2019-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I reported identity theft the FTC on XX/XX/19 due to the Equifax breach and my FTC report number is XXXX. Both XXXX and XXXX updated their files to remove the fraudulent information but Equifax refuses to do so. I called them no less than 5 times during business hours to get an update on my dispute since I have been having difficulties accessing this information online. I was asked to read my ENTIRE credit report to them and still was not verified because I answered the information incorrectly. How is it possible to not get any answer correct and I read everything off of my credit report? I literally jumped through hoops and still did not get a status. The fraudulent information still remains on the credit report even though it has been removed from XXXX  and XXXX XXXX records. The ironic part is the identity theft is a result of Equifax 's data breach!!!! I have read so many negative reviews regarding this company. Their customer service is outsoucred to a country with a clear language barrier.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (FL)

Received call from NPAS from XXXX ( XXXX XXXX XXXX claiming they represent XXXX XXXX   Hospital to collect a medical debt. I ask for verification and validation and attendant became very abusive and interrupting, belligerent behahavior
Consumer complaint received 2022-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2 (TX)

Persolve Legal Group XXXX is reporting an open balance of {$7000.00} from an original debtor of XXXX XXXX XXXX. I have disputed this claim twice with Persolve Legal Group, on XX/XX/XXXX and XX/XX/XXXX yet it remains on my credit. 

This claim stems from a vehicle that was purchased on XX/XX/XXXX for a XXXX XXXX XXXX purchased from XXXX and financed by XXXX XXXX XXXX. This vehicle was a covered by a XXXX XXXX XXXX XXXX and this vehicle is no longer in my possession as a result of a loss that the lienholder, XXXX received the price of the loss from XXXX as a result of this loss! I spoke with XXXX today, XX/XX/XXXX, by phone at XXXX spoke with XXXX XXXX, XXXX of XXXX Customer Service, and XXXX XXXX advised me that XXXX XXXX XXXX, as the lienholder of my vehicle, recovered the price of the loss of the vehicle, via the GAP insurance policy issued by XXXX, on XX/XX/XXXX, policy # XXXX. I requested verification in writing, as the customer of the policy and was advised that since XXXX XXXX XXXX received the funds, they could not release this information to me. However, this debt has been paid and needs to be deleted immediately and imminently! 


This same account was reported by another agency, which I disputed in XX/XX/XXXX that collection agency from XX/XX/XXXX was forced to remove this collection account from my credit and then it was sent to XXXX XXXX XXXX, who keeps reporting this completely false information!
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I got scammed by a 3rd party company who convinced me to do a student loan debt consolidation. They screwed me up so badly ... and I was working with the FTC to start a " lawsuit '' but I was getting threats and what not so I got scared and stopped. Then FedLoan servicing convinced me to put a pin on my account to protect it from the 3rd party company. I unfortunately fell on hard financial times .and also forgot the pin to my account. FedLoan servicing has instructed me to send a request in writing to remove the pin so we can discuss repayment options over the past 6 months I've mailed 2 letters, faxed 3 and made numerous phone calls only to hear " we are so sorry we don't see your request please resend. " I CANT EVEN DISCUSS REPAYMENT!!! HELP!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC (TX)

During the process of submitting for a loan modification, I was told my Amerihomes that there would be no negative reporting or credit activity sent to the credit bureau 's. They failed to process my application in a timely manner which was specified for 30 days on the app and reported my payment late for the month of XXXX. I have been lied to and mislead so many times by this company. Every time I call someone tells me something different than what was advised from the prior rep. I was told that it was initiated already to reverse the negative reporting on XX/XX/2023 and then I called back and XXXX stated she saw no record. I sent in a letter to dispute the reporting on XX/XX/2023 to XXXX XXXX XXXX XXXX, NJ XXXX. Every time I call to follow up I'm told they don't have any correspondence from me. Please help me to resolve this issue. Thanks
Consumer complaint received 2018-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points
Consumer complaint received 2019-03-26
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: General Motors Financial Company, Inc. (CO)

GMFNANCIAL is reporting incorrectly that I am 30 days past due on partial account number XXXX ( please see page 12 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, PCS OCONUS, or deploy OCONUS for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my final notice that the items I disputed on my credit report were not validated and may have been due to the Equifax data breach. See the attached FTC report and Equifax data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of 2023, I am expecting the following accounts to be removed within 14 days : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Hello, On XXXX XXXX, 2021 I asked for a loan to Chase Bank for {$5000.00} Through my Credit Card and I told with a representative of the Bank for 2 hours about the loan and the interest I will pay to the Bank. He told me that the APR WILL BE 10.99 % and all the interest that I will pay to the Bank will be {$900.00} and that my Payment will be {$160.00} including ALL THE INTEREST AND EVERYTHING I SHOULD PAY TO THE BANK monthly. I Ask many times that if ALL I have to pay to the Bank monthly is {$160.00} every month and he told me YES. Also, I calculate with him how much interest I will pay to the Bank at the end of the loan when I pay off all the account. He told me that will be just {$900.00} dollars. After the first month that I payed on time my loan, I saw that they Charge me {$43.00} dollars extra and I contact them and they told me that it was an ERROR. They delete the {$43.00} dollars extra from my loan payment and they told me it will not happen again. On the next month XXXX/XXXX/2021 they charge me {$43.00} dollars extra again even though I payed on time ( the first day of the month ) {$170.00}. I contacted the Bank again and a XXXX told me that if I pay " {$380.00} they will not charge me {$50.00} or {$43.00} dollars extra anymore. I told him that my loan agreement was {$160.00} every month for the next three years but he convinced me to avoid more feeds and interest rate to pay that amount. I payed {$380.00} last month and he lied to me because they charged me {$43.00} this month too. I contact the Chase Bank Yesterday and a XXXX told me that she sorry for me but that the representative that helped me to do the loan did not " EXPLAINS ME VERY WELL ABOUT THE LOAN AND THAT NOW THEY WILL CHARGE ME BETWEEN $ XXXX {$43.00} DOLLARS EVERY MONTH. I told her that he was no fair because it was not what their representative told me when I apply for the loan. The Chase Bank XXXX told me that it was the agreement that i signed and that she can not do anything to help me. NOW THE BANK PRETEND THAT I PAY ( 50 % of the loan in interest ) {$2500.00} OF INTEREST FOR A LOAN OF {$5000.00} IN THREE YEARS. According to the XXXX NOW I have to pay {$160.00} PLUS {$43.00} ( ALMOST {$2500.00} ) just in interest of a {$5000.00} loan. I feel very disappointed and deceived with Chase Bank because it was not what their representative told me about the loan. He told that I will pay just {$160.00} every month for three year and that the Bank will earn 20 % of my loan ( {$900.00} dollars ) not 50 % ( {$2500.00} ) So please help me to resolve that difficult situation because I don't have the money to pay for that extra $ XXXX {$50.00} they are charging me every month. Thanks in advance.
Consumer complaint received 2022-02-15
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. (MI)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (DC)

This was an ER visit on XX/XX/2016. My still current and active insurance information was submitted for payment. I never received a notice from the ER or XXXX stating that the bill would not be paid. Now 2 years later it shows up on my credit report. I would like to know why this is on my report if XXXX did not deny this claim nor was I notified by the hospital that XXXX did not pay this bill? I would like to see some sort of verification that XXXX denied the claim that was submitted for this ER visit.
Consumer complaint received 2022-09-15
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. (AZ)

There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for TransUnion Consumer Solutions, po box XXXX, XXXX, XXXX XXXXXXXX. 
XXXX 's XXXX XXXXXXXX XXXX  XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.