davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  XXXX    XXXX     XXXX   XXXX  I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact   XXXX   directly and follow their internal fraud procedures which I have already done.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MT)

I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (KS)

My credit reports shows that I applied for a credit card with navy federal which I never have. And my employment says I was in the XXXX which I never was. Some of the inquiries on my credit report I have no idea where they came from. I just noticed this information on XX/XX/2022.
Consumer complaint received 2020-08-22
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oxford Law, LLC (OH)

Oxford Law , LLC. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, Toll Free : XXXX - XXXX. 

Keeps calling me XXXX times a day, and calls my place of employment XXXX to XXXX times daily. I 've already been warned by my employer to stop these harassing phone calls. I 've told the above mentioned company to stop calling me. Company has not stop but has gotten more aggressive with their tactics including talking inappropriately. This company is causing me many problems and are putting my livelihood at risk. This company needs to immediately stop all communication with me or anyone in link to me.
Consumer complaint received 2015-11-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (NY)

I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.
Consumer complaint received 2021-09-14
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: DISCOVER BANK (PA)

Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. 
This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. 
Please provide feedback to my request. Thank you!
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I purchase a used XXXX XXXX XXXX XXXX and dealer placed it through Ally Bank. I purchased GAP , Road Hazard, Maintenance plus additional warranty coverage through XXXX XXXX but cancelled it 2 days later. XXXX sent Ally four ( 4 ) separate checks {$520.00}, {$890.00}, {$1900.00} and {$2100.00}. 

XX/XX/XXXX Ally processed the {$520.00} ck as my 1st pmt. and therefore took out {$100.00} in interest. 
XX/XX/XXXX I paid online my first payment of {$420.00}. Since Ally says the above {$520.00} was a payment and not a refund I was paid ahead and I had to force them to accept my real payment ( again taking out more interest ). 

XX/XX/XXXX Ally processed the {$2100.00} check and again took out {$55.00} in interest. 
I have " chatted on line '' since that's the only way you can talk to anyone on : XX/XX/XXXX and again on XX/XX/XXXX. My chat on XX/XX/XXXX stated that the finance charges will be processed to my principal balance in 1 to 2 business days. Didn't happen. 
XX/XX/XXXX lengthy chat. Briefly, I was told multiple times " my position is not enough to fix your problem ''. 
I will send a copy of both chat sessions and I apologize beforehand for my anger.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.
Consumer complaint received 2020-07-21
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. (GA)

I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.
Consumer complaint received 2019-06-04
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing, Inc. claims that I owe {$550.00} for XXXX   XXXX XXXX XXXX XXXX. I have not received any documentation from the original creditor that proves I owe this amount. I have not lived in XXXX for over 3 years. I believe this amount is inflated. I have written to them to ask for proof of documentation and to cease any communication with me about this debt. This debt collector recently called me to harass me about this incorrect amount. I will complain about them to the Attorney General of XXXX if they do not cease collections and take it off my credit report.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Amsher Collection Services, Inc. (FL)

Amsher Collection Agency collecting a XXXX disputed debt. The employee, XXXX, was abusive and bullyish. There were other ways to look up my account and he was very rude insisting that I had to give him my whole SS #. When I refused to do that he lied and said I had to. When he found my account using the phone number he said i had to call a different number. I asked him to wait a moment while I went to my desk to get a pen. He said call us back when you have a pen and hung up the phone. The amount I owe is small, I do n't even really owe it - this man was beyond rude and completely unsuited to this line of work. I called back and XXXX XXXX took care of me. Offered no apology regarding his employee 's abusive attitude. 
I can only imagine how bad someone with a real and large debt would feel about this company.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BHFC Financial Services INC (AZ)

BHFC FINCL SRVS is knowing reporting inaccurate information on my credit report. XXXX is allowing them to do it.

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance.

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XX/XX/17 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. XXXX keep allowing this company to report inaccurate information on my credit report.

6. Attached is a copy of this item on my credit report.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

I requested proof of ownership of a debit by Penn Credit that reflects on my credit. This was back in XX/XX/2020 after requesting via phone. I did not received anything. I waited and then called again XX/XX/XXXX and spoke to someone who stated they will resend, he could not confirm if my original request was sent out. I went back and fourth explaining this on my credit is hurting my credit and need to just have this resolved. I then decided to pay the amount after being advised if I pay they will send to all 3 credit bureaus showing paid in full and request for it to be removed/deleted form my credit. I advised I only see it reporting on 2 credit bureaus, he stated that's fine as they will send info to all 3 and  ensured it will be removed and would stop hindering my credit, he stated once payment post, 10 to 14 days letter will be sent out to all 3 credit bureaus. It is past the time and I have called and was advised to log in with my zip code and ID # and print out proof of payment and that letters were sent. I have confirmed with all 3 credit bureaus, letter has not been received and they will not remove account until letter has been received from them.
Consumer complaint received 2020-07-21
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)

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX