davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
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)

While recently getting my credit report to quality to buy a house, I noticed that there was a derogatory item from XXXX XXXX ( XXXX XXXX XXXX ) indicating the account had gone to collection and {$1200.00} was due. When I disputed the information online on XX/XX/XXXX, Equifax said it began an investigation. Equifax responded onXX/XX/XXXX they the debt had been certified by the debt collector and my credit report will remain unchanged. I have never had an account with XXXX XXXX ( I have always had XXXX  ). When I called XXXX XXXX to look into the account they had an address for me on a street where I never lived. This is not my debt and it is extremely unfair that Equifax only did a cursory investigation before ruling against me.
Consumer complaint received 2022-02-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (IL)

Hello, I first contacted National Credit Management on XX/XX/XXXX of XXXX after noticing a collection account on my credit report. At that time I had informed them that I had never received a notice letter informing me of my right to dispute the debt. They had updated my contact details after this initial contact and had claimed I will be receiving an email with the details. I waited for XXXX  months, I never received notice. 

I then contacted this company again on XX/XX/XXXX after disputing the charge with XXXX. I asked again, for a formal notice informing me of my debt and requesting a debt validation after verbally diputing the charge. I was told I will be receiving another " email ''. I still have yet to receive something. 

They have violated my rights under the FDCPA and I will proceed with filing a lawsuit if I do not receive verification/validation of the debt within 30 days. I am now sending this company a written dispute. Since I was also told over the phone that " We do not accept verbal disputes ''. Which I also believe is a violation. As per my knowledge most debt collectors have to respond to verbal or a written dispute.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (MI)

I am not swayed that the Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. The payment history is not showing on this account which make my suspicions accurate and true. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with THE BUREAUS ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$890.00}
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The CAPITAL ONE appears to be a charge-off account with a specific balance of {$680.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account 's payment history is being reported differently from each Credit Bureaus.
Consumer complaint received 2021-04-12
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. (PA)

This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Consumer complaint received 2022-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IN)

I have been a part of the XXXX program for a long time. I have had XXXX of XXXX payments certified. I have XXXX more that I have yet to certify. In XX/XX/XXXX I was contacted and told that my account is under review based on the changes that President Biden put in place for the XXXX program and that I would qualify for additional months credit. I was then contacted again in XXXX of XXXX and told the same thing. Based on when I was working for a XXXX approved employer, I should already have met my XXXX payments. 

Fedloan Servicing is simply not processing things. They are doing nothing and my account should be updated after over XXXX months of waiting! I am concerned that they will not have this done in the next XXXX months, and then I will have to start repayment of my loans, which should already be forgiven. 

I want Fedloan Servicing to complete the review and update my account with the correct XXXX loan payments that should be approve based on the new standards. I have contacted them on multiple occasions and they have stated that it is in process and they have no idea when accounts will be updated.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to Transunion disputing the inaccurate bankruptcies reporting on my credit report. Transunion responded saying that they were verified. I find it weird because I reached out to the XXXX  courts to get more information on how they verified with the credit bureaus because it is inaccurate. The court clerk sent me a letter stating they haven't verified anything with the credit bureaus. 

So clearly Transunion never conducted a proper investigation and did not get their information from the courts this explains why it is inaccurate. 

Transunion has still failed to delete the inaccurate bankruptcies.
Consumer complaint received 2018-05-04
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: EQUIFAX, INC. (TX)

On XX/XX/2018 i have settled two account s with XXXX XXXX a collection company for XXXX   XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX  and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted Equifax today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,
Consumer complaint received 2024-03-04
Product: Credit reporting 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. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-12
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: Experian Information Solutions Inc. (AZ)

In the past week, XXXX, XXXX, and Experian, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score.

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Consumer complaint received 2020-07-28
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northwood Asset Management Group (FL)

Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (CA)

On XX/XX/XXXX I was alerted by my credit monitoring service that a collection account was added to my XXXX  and XXXX  credit report. I do not recognize the name of the company AFNI or alleged debt. On XX/XX/XXXX they also added I was120 days past due and the account was opened on XX/XX/XXXX. I have never been contacted by AFNI by phone call or letter regarding any alleged debt owed. I have absolutely zero information regarding them and for them to report to credit agencies I owe money without providing me validation of this debt is fraudulent. I have the right by law to respond and/or dispute any attempted debt collection and I was never contacted or given that opportunity.
Consumer complaint received 2019-11-18
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-05-04
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)

There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.
Consumer complaint received 2018-05-04
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)

There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when reviewing my credit report and found a bunch of late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I immediately paid the account off once i became aware of this.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (DE)

I

sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-02-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Ive contacted XXXX  and Equifax about A account that was reporting on my credit file and the name of the company was XXXX XXXX XXXX ... XXXX XXXX keep on reporting a fraudulent account in my name without my consent Ive written them and the wrote me back saying theyve investigated which I believe to be false and determined that based on the information I provided matches the Id information they have on file ... Im now including all my proof of residence to protect my identity due to fraud.. I am very upset with the outcome of this investigation and hopefully get this matter handle.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (VA)

NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX.

I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time.

NFCU froze all my electronic access to my online and other accounts.

I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible.

I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access.

Am I included in the affected members in this civil action?
Consumer complaint received 2022-02-18
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. (DE)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2018-05-04
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)

There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.
Consumer complaint received 2022-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX I sent a request to CAPITAL ONE BANK USA NA to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$5900.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Unauthorized Inquiry transactions. I have contacted most lenders directly to speak to them and ask for information regarding credit inquiry. I was directed by lender to contact trans union immediately and start a dispute. The trans union fraud team directed me to the CFPB to file an FTC Report. 

Inquiry - XXXX XXXX via XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - IXXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX  ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph Phone number not available Inquiry - XXXX XXXX XXXX via XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX & XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - SXXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Synovus Bank (MO)

Prepaid credit card. I sent {$200.00} for a {$200.00} limit. On XX/XX/20, I sent an additional {$100.00} to increase my limit to {$300.00}. Card still shows {$200.00} limit
Consumer complaint received 2018-05-04
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: CITIBANK, N.A. (FL)

on XX/XX/XXXX, i called Citi and removed 3 " authorized users '' from the account verified by Citi phone call log. The " unauthorized users '' continued to use the card ( without my knowledge ).

XX/XX/XXXX - called Citi and finally was able to get " unauthorized users '' off the account, however, Citi is holding me responsible for the charges of the " unauthorized users ''XX/XX/XXXX - called back to resolve, no resolution XX/XX/XXXX - called back to speak to another supervisor, no resolution XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Direct (MO)

The company is student loan XXXX. I spoke with a XXXX and signed paperwork to do a loan for student loan forgiveness program. With 5 monthly payments of {$240.00}. I believe I have been scammed. They have my debit card number what do I do? Please contact me XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (AZ)

This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.