davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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: Experian Information Solutions Inc. (NV)

I'm filing this complaint because EXPERIAN, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I was making double payment when possible, sometimes triple payments in a month thinking the other payments were going to the principle, to pay the loan off quicker. But looking at statements navient was still putting every payment to intereste, then to the principal. When I email them, asking why it was like that they told me it was a government right to collect interest on all payments. Why can you make double payments on a car or credit card where the second payment goes fully to the principal, but not on loans. It makes impossible to pay loans faster.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MS)

This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.
Consumer complaint received 2019-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I have received notice from the county stating there is a supplemental delinquent tax bill from years ago that has not been paid by my mortgage lender ( freedom mortgage ). I immediately notified freedom mortgage via phone and email and made it clear to them that the issue needed immediate attention as the county woul initiate foreclosure process if there was no resolution by XX/XX/XXXX. Freedom Mortgage has since been working on the issue with no resolution as of today Tuesday XX/XX/XXXX when the county would be finalizing the foreclosure paperwork. I have continually reached out to freedom mortgage and every time they seem to be confused as to what is going on and after hours of me having to re explain the situation they always promise they will work on the issue and be sure to expedite the process but have never been able to get clear answers. The county has also gotten ahold of freedom mortgage directly with same outcome, no results whatsoever ever. Dealing with all this has cost me numerous hours absent from work , county has added $ 900+ in foreclosure fees and my home is now in foreclosure all while freedom mortgage staff seem to be so relaxed just telling me they will look into the situation and not communicating amongst each other. They have not once reached out to me to update or anything its only when I call them and even then they are all so out of the loop and confused, they need to provide specialized training to those who work in their tax department and work on their note taking on accounts and communication amongst each other because this has truly been a huge hassle, huge head ache and huge loss of money and as of yet unsure on what will be of my home.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

I am struggling to pay my mortgage due to a decrease in income and a divorce which has increased my expenses and support requirements. The situation became unmanageable for me in late  XXXX . On  XXXX   XXXX ,   XXXX   I submitted a loan modification request package to  XXXX ,  XXXX   (   Atlantic Bay Mortgage ) by mail. I was supposed to receive word in 30 days on the matter. I waited u ntil  XXXX   XXXX ,   XXXX   to call them and was told I had n't supplied all the requested documentation and then was sent a back dated letter concerning that. I sent requested documentation in numerous times by fax or mail and was told things were missing that I had sent. I about gave up on the process after I received a notice once again on  XXXX / XXXX / XXXX  that the package contained expired information. They seem to be trying to prevent my application from being considered by having a 30 day window in which I receive notice to supply further information and when sent, they then say other documentation has expired. To prevent that, I submi tted via US Mail  with signature confirmation a complete new package with all current documentation requests on  XXXX   XXXX ,  XXXX . The package including the application  was 44 pa ges. I called on  XXXX   XXXX ,  XXXX  to inquire about the matter and was told they had received documentation, but it was expired even though it is the latest available such as bank statements. The agent hung up on me when I insisted all documentation requested including the current bank statements was in that package. I believe  XXXX -Atlantic Bay is deliberately mishandling my paperwork to prevent processing the home loan modification. I had a friend who experienced a similar scenario with their lender.
Consumer complaint received 2022-09-14
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. (LA)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX.has violated your rights. 

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

15 U.S.C 1681 Section 604 A SectionA Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message. 

Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX  but I was to call back on XXXX-XXXX-XXXX-XXXX.  I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2018-07-03
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. (NC)

I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

The account referenced unexpectedly stopped receiving paper statements in XXXX XXXX XXXX. The statements are relied upon to manage and account for credit accounts. I was unable to contact Synchrony Bank office to account for the missing statements due to Covid-19 and severe lack of customer service personnel ; only after Ashley Furniture stores were reopen to the public was I able to get in touch with the credit department to request receiving statements again. By this time, XX/XX/2020, a critical timeframe had passed and Synchrony applied interest charges of {$1000.00} that would not have occurred had the balance been known to the client from XX/XX/2020- XX/XX/2020.
Consumer complaint received 2022-02-17
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXXF XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION YOU ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of XXXX, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2019-06-04
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. (MS)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

On XX/XX/XXXX, I requested the interest rate charged per month again and Credit Acceptance refuses to do this. Credit Acceptance refuses to credit me the proper refund since I cancelled a worthless warranty on XX/XX/XXXX {$1700.00} rolled into a 22.99 % auto loan. I cancelled this XX/XX/XXXX, and only received a {$1700.00} credit. I asked for a print out of payments I made monthly ( 10 ) towards the XXXX on loan. From XX/XX/XXXX to XX/XX/XXXX. 14 payments are due to me as a refund plus pre-calculated compound interest.They refuse.Predatory lending and unfair-deceptive consumer fraud- for they never ran my credit report. How did they arrive at 22.99 %?, they refuse to answer. 
I told them they are charging interest more than the car is really worth. No answer. Predatory lending. I told them there is no compound interest in Arizona or pre-calculated interest by lay. No answer. I requested my pay history and pay off statement showing the monthly interest. Credit Acceptance is a predatory lender.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I have reached out to Equifax commanding them to remove/delete inquiries off of my consumers credit report. Equifax has yet to do so. 
Under 15 USC 1681-Permissible Purpose Of Consumer Report.

( a ) In General Subject to Subsection ( c ) any consumer agency reporting agency may furnish a consumer report under the following circumstances and no other : ( b ) in accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax my written consent to report anything on my consumers credit report. Only I can validate anything on my report.
Consumer complaint received 2020-10-05
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. (MD)

The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (NC)

Rent Recovery continues to report to the three credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.
Consumer complaint received 2021-03-03
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. (VA)

On XX/XX/2020 I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like I am just a number instead of a real person. I feel like I'm being taken advantage of and being ignored of my disputes. As mentioned to each company my information was compromised in the Equifax data breach. At this point more than ever I believe my information may have got into the wrong hands. Your assistance is greatly appreciated.