davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I have sent letters to verified this derogatory this on my credit report and it is hindering my credit. The amount of Argentalre {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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: Credit Plus Inc (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CREDIT  PLUS  add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-12-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.
Consumer complaint received 2022-09-15
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. (TX)

XXXX Account number # 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
Consumer complaint received 2021-04-09
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: VW Credit, Inc (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (IL)

I have a Fed Student loan that is serviced by Nelnet I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact Nelnet to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Consumer complaint received 2020-08-31
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)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (PA)

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, Walmart switched from XXXX XXXX  to Capital One for their credit card services, and I was notified of this switch well in advance via the Walmart app 's credit card services. My account and information transferred correctly ; however, I had attempted to use my Walmart Credit Card to make an in-store purchase on XX/XX/XXXX, and the card was declined. I used my card on XX/XX/XXXX for {$37.00}, so I thought it was weird that the card declined only a few days later when my limit is {$100.00}. I checked the Capital One app to see if my card was disabled or if I may have received a new Walmart card that I needed to activate. My account gave me an error message, stating " this credit card account is currently restricted. '' I had called to XX/XX/XXXX to see why there was an issue with the card and why my account is restricted. I was told that my account had been closed by Capital One, but the representative told me that he could not see the reason for this account closure, nor could he reopen the account. I waited a week to see if I received a new card for this account, and again, I called to see why my account was closed and how to dispute this action. I was told that Capital One closed the account due to " returned payments '' and that the representatives could not do anything about this, but my billing statements and payment screen on the Capital One app correctly reflects the charges and payments I made to this account. On XX/XX/XXXX, I received a letter from Capital One at my permanent address dated for XX/XX/XXXX. This letter explained that my account was closed " because of activity on this account or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' However, I never signed or agreed to any Capital One services, nor did I agree to the transferring of my Walmart XXXX Credit Card account to  Capital One. Thus, I was not made aware of any Capital One Customer Agreement that I could have violated, and Capital One is not explaining what I had done that was not consistent with the customer agreement. According to the records that I am able to see, I have made payments on time and received rewards for my purchases that I am not able to redeem since my account is closed. I have not received or been given access to a billing statement that reflects charges and payments made after XX/XX/XXXX. Because of the actions of Capital One, my credit score has been negatively impacted by the closure of this account.
Consumer complaint received 2019-11-08
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I booked a flight through the merchant - XXXX XXXX using my Chase credit card. I had to subsequently cancel this flight within a few hours. For this, I received a refund of only 50 % of the ticket amount i.e. {$1500.00}. As per the cancellation policy on XXXX XXXX, I should have received a full discount since the ticket was cancelled within 24 hours of booking. I therefore disputed the charge of {$1500.00} on my Chase card. 
After disputing the charge, the merchant - XXXX XXXX contacted me saying they are willing to refund the money to me on the condition that I remove the dispute on this charge ( emails attached for reference ). After consulting with Chase customer service, I undisputed the charge. However, after this, XXXX XXXX stopped responding to my emails and did not refund any money. I then reopened this dispute with Chase. Chase did not contact the merchant at all and sent me a letter saying the transaction is valid despite proof in the form of email where XXXX XXXX agreed to refund the money and did not. Upon contacting them, Chase dispute department was rude and unhelpful and stone-walled me on trying to get further information on why my case was not even pursued with XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEM has constantly call my place of businessXXXX have call several of my family members threaten them, after I went through the proper channels of challenging all three credit bureau having successfully have this removed they keep placing this item back on my credit report, they are calling from different numbers showing bogus names
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-12-12
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. (OH)

Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-04-09
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: Exeter Finance, LLC. (TX)

I sent this company an identity theft police report from XXXX XXXX County Police Department showing that my information was used for fraud in starting a fraudulent auto loan. The police have arrested the perpetrator XXXX XXXX and shown this proof to XXXX XXXX. Even with proof and a police report stating that my name was used for fraud to start an auto loan, this company refuses to delete this account from my XXXX, XXXX and XXXX credit reports. At this point its defamation and a complete violation of my rights and the FCRA sec 605-609
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XX/XX/XXXXI made an instore purchase for jewelry. the store clerk sold me on opening a store credit card for 10 % and my total purchase came to {$22.00}. 

On XX/XX/XXXX I received a call that my account is over 60 days late with a total amount due of {$77.00} which I paid on {$77.00}.

I had not received any bill or notice of late payment before this. The Kohls rep I spoke to on XX/XX/XXXX at XXXX said he confirmed the address they have on file for me is correct and that they mailed a statement in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any of these. I'm otherwise very good with paying every bill on time and have scores over 800. 

It's very unfortunate that I opened a new card for a mere {$22.00} and never received even the first bill, so easily overlooked this as a monthly payment. The kohls rep said there was nothing they could do about this.
Consumer complaint received 2020-11-16
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. (OH)

I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Consumer complaint received 2021-04-09
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. (FL)

I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!
Consumer complaint received 2017-12-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.
Consumer complaint received 2020-08-31
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)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}