davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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. (IN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Consumer complaint received 2023-03-04
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: Credit Systems International, Inc. (TX)

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated
Consumer complaint received 2021-10-17
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. (PA)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. Please delete these items to improve my credit report.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

CLASSIC BAIT AND SWITCH BY CALIBER HOME LOANS, XXXX, TX. 

XXXX - THE BAIT : Completed mortgage application with Caliber Home Loans located in XXXX, TX ( XXXX XXXX, XXXX ). Agreed loan terms ( see attached ) are the following : -Loan amount : $ XXXX XXXXInterest rate : 2.875 % -Closing costs : $ XXXX XXXX - THE SUNKEN INVESTMENT IN TIME AND MONEY : Appraisal ( {$800.00} ) completed. Property valued at XXXX. No changes to credit. Little to no contact with Caliber Homes Loans. Attempted to contact Caliber Home Loan consultants at XXXX, TX office on multiple occasions ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX ). They are screening phone calls. 

XXXX - THE SWITCH : Received new loan terms ( see attached ) : -Loan amount : $ XXXX XXXXInterest rate : 2.90 % -Closing costs : $ XXXX In 3 months, the price of the loan increased by 2X without reason. No changes to credit, no new loan, no changes in loan product. No financial changes in circumstances. Just plain greed and unscrupulous individuals at Caliber Home Loans.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Garner & Conner, PLLC (TN)

I have been working with Garner and Conner since 2010 regarding a collection account and they continue to change the amount owed and are charging a 10 % daily fee. I called today and was given an amount and then they sent an email with another amount. Which is the way this collection continues to go. The original debt has been paid and they have charged more than 50 % of that debt in interest.
Consumer complaint received 2021-06-04
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: ALLY FINANCIAL INC. (FL)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX finance had violated my right this account is NOT mine. 

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 a account without my written instructions
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX finance had violated my right this account is NOT mine. 

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 a account without my written instructions
Consumer complaint received 2020-12-10
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. (MA)

The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.
Consumer complaint received 2021-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Navient is the service provider for our consolidated student loans. We are XXXX and XXXX respectfully. I believe that we have been victimized by the practice of withholding relevant information that would have been in our best interest when struggling to repay our loans over the past 40 years, I found several lawsuits that describe our situations and some of them were won. 
1. We were advised to use forebearances or deferments, rather than directed to IDR options. 
2. We experienced a bankruptcy ( and nothing was discharged ) 3. We have been paying on this thing for decades and the orginal balance was only $ XXXX and now over $ XXXX with the principal pretty much the same and interest as much as the original loan. 
4. We're not even sure how we ended up with our loans consolidated. 

Not sure how to resolve with Navient as they are being sued for these very practice3s.
Consumer complaint received 2023-08-23
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: Paramount GR Holdings, LLC (CA)

Credit inquiry on XX/XX/XXXX was made by GOODLEAP LLC without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Empower Finance, Inc. (WI)

I recently received a business loan deposit in my Empower Finance checking account on XX/XX/2021. The total amount of the deposit was {$11000.00}. Upon receiving that deposit, I was able to use those funds until I received an email from Empower explaining that my account was locked and the instructions Ill need to follow to get it unlocked. I have completed all identity verifications, proof of business, tax documents, and loan approval documents and they have yet to make any movements on my account. I have called numerous times and everytime Im rushed off the phone, I send several emails daily that dont get answered and Im honestly just very frustrated with this bank. I have read their reviews on the app store, online, and social media platforms and all of their consumers have said the same thing! This company is very unprofessional and suspicious. I would really just like to remove my funds from my account and close it entirely. Please help!!
Consumer complaint received 2020-12-10
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. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XX/XX/XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of XXXX XXXX and XXXX XXXX. I want all items that's not correct deleted from my report. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2020-12-10
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. (CA)

In XX/XX/2020 I was offfered forbearance plan by my lender loan care, I was informed over the phone snd by mail, email that I would not be charged fees or reported as late to credit bureaus. 
I continued to make payments and partial payments I submitted these bank records to Experian and disputed the 7 -9 months late reporting as I never would have agreed to this if I had known they where dishonest in promising not to label me late if I entered into a forbearance plan now my credit score is ridiculous low because of this snd I cant qualify for a refi It is to there benefit that I am unable to obtain a lower interest rate than the 4.25 % I am locked in with them I feel deceived and frustrated and Experian is ignoring my bank statements showing I made payments into XXXX How can I legally take action? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (TX)

I have sent several attempts to reinvestigate and verify disputed items that magically came back verified with no proof of due diligence and process of verification Ive attached proof of communication below
Consumer complaint received 2020-12-10
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: NAVY FEDERAL CREDIT UNION (FL)

I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XXXX XXXX, 2020, I mailed Navy FCU a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XXXX XXXX, 2020, at XXXX. It has been over 30 days and I have not received any correspondence from them. 

I am a Federally Protected Consumer Navy FCU needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-01-10
Product: Credit 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: Block, Inc. (OH)

I filed a dispute on Cash app to XXXX after I purchased a video game key and wasn't given it I contacted the seller and was refused a refund and denied the dispute on Cash app
Consumer complaint received 2020-12-10
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: LoanCare, LLC (CA)

In XX/XX/2020 I was offfered forbearance plan by my lender loan care, I was informed over the phone snd by mail, email that I would not be charged fees or reported as late to credit bureaus. 
I continued to make payments and partial payments I submitted these bank records to XXXX and disputed the 7 -9 months late reporting as I never would have agreed to this if I had known they where dishonest in promising not to label me late if I entered into a forbearance plan now my credit score is ridiculous low because of this snd I cant qualify for a refi It is to there benefit that I am unable to obtain a lower interest rate than the 4.25 % I am locked in with them I feel deceived and frustrated and XXXX  is ignoring my bank statements showing I made payments into XXXX How can I legally take action? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent dated XXXX/XXXX/2020, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (IL)

I submitted a complaint with the CFPB on XXXX/XXXX/2020 about the student loan accounts that needs to be removed. In both XXXX  and Experian response they both was suppose to investigate and remove. it has been 31 days since I submitted this issue. The FCRA only allows 30 days. By law this incident should be resolved and the accounts should be removed. I am asking that the CFPB step in and enforce the law that both companies XXXX  and Experian are not following and abiding by.
Consumer complaint received 2018-01-08
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. (CO)

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Consumer complaint received 2020-12-10
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. (OH)

Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different information
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. 


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 a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-12-10
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. (OH)

Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different information