davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the I C SYSTEM ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RAYMOND JAMES BANK (CA)

My mortgage was transferred to Raymond James Bank a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying Raymond James Bank was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called RJB to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The RJB online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Roadrunner Account Services, LLC (NY)

On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I filed a charge dispute with a purchase on XXXX XXXX, capital one close the case even before i can get the respond from the merchant on XXXX XXXX XXXX  and charged me late fee and interest during the dispute.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC is in violation of FCRA and FDCPA regulations by a reporting a collection account ( xxxxxxxxxxxxxxxx 8117 ) in the Other section of my XXXX  credit report. FCRA law mandates that all collections must be reported and designated to the Collections area of credit reports.

Portfolio Recovery Associates, LLCs wanton disregard for the law has been ongoing, and the attached documents of my most recent XXXX report ( XX/XX/2021 ), prove that Portfolio Recovery Associates continues to incorrectly report this collection account.

The first document shows that Portfolio Recovery Associates, LLC is reporting in the Other section of my XXXX  credit report. The second document shows no collections under the Collections area of my XXXX credit report, which is where this collection is lawfully mandated to be reported.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WI)

Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.
Consumer complaint received 2017-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!
Consumer complaint received 2021-01-22
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 am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

Barclays. XXXX XXXX card. XXXX Refer to Original complaint # XXXX This is my third complaint. 
XXXX office of the president Initial complaint couldnt make payments, couldnt get customer service on phone to fix, couldnt get them to give me an updated bill. 
XXXX assured me that it would all be taken care of. All finance changes waived, late charges, credit score fixed. 
I sent in my final payment after charges were reversed and because it took months to resolve MORE late charges have accrued. I called XXXX at Barclays 3 times because I was concerned this would happen and received no phone call back. I knew the delay would cause this issue. 
I do not owe Barclays any additional money and I called 3 times to fix this with no response. I sent in the final payment that XXXX requested and I received a new bill today with additional charges.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-01
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 attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Foundation, Inc. (VT)

College Foundation Inc. and XXXX- well, it's hard to sum up. But, it appears that while I was in law school, my mother took out some loans in my name. It is clear from the amounts and dates that they were not for tuition or housing. I have disputed these for many years, and despite them being PRIVATE, the XXXX XXXX  apparently backed them or bought them, or something. I disputed them for many years with them. Eventually, I stopped paying the XXXX XXXX XXXX XXXX because the things were just growing and they would not agree to anything reasonable to resolve them even though they were disputed ( and private and past any statute of limitations which should apply to private loans ). Then I got sued. I filed my disputes then, statute of limitations, personal jurisdiction. The judge ignored these and has also ignored the affidavit from my mother stating she signed for these loans. Jurisdiction was allegedly based on the fact that I " signed them '' in XXXX  - however, there is NO EVIDENCE that I signed these. They did not have a notary or anything, and yet there is evidence that my MOTHER signed them. I have spent way too much energy trying to deal with this without any help. There is also no evidence that the funds were ever disbursed to me. I have requested it, but they have not provided it in discovery. They supposedly supboenaed XXXX XXXX XXXX, but I have received nothing from that for over a year indicating there's any evidence that this money ever benefited me in any way. In fact it's negatively impacted my credit for my entire adult life.There 's only room for me to select one company but it started with the College Foundation Inc and moved to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

Comenity/Wayfair at XXXX XXXX XXXX XXXX OH XXXX has been reporting a charge off in the amount {$5700.00} on my credit report. charge off has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from Convergent dated XX/XX/2021 from a creditor XXXX that I do not have nor have opened any account with. They have an amount owed of {$750.00} and wanting me to settle for {$370.00}. I will not settle nor pay from a company that have been scamming people out of trying to collect on debt that is not theirs. I tried calling the number on the letter but number listed is not to this company. The creditor has no account balance or account or debt owed to them by me nor did they refer over to a collection agency.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

Navient has been a problem and I have filed multiple complains about them in the past. 
Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. 
It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. 
What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. 
I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.
Consumer complaint received 2024-03-01
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 an account without my written instructions.

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.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (NV)

XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (NV)

XXXX and Equifax is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, Equifax data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Consumer complaint received 2023-01-11
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS XXXX XXXX XXXX! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX