davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. 

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 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. (CA)

I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (IL)

I recently checked my credit report and noticed Debt XXXX XXXX XXXX XXXX reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
Consumer complaint received 2017-10-14
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. (GA)

Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.
Consumer complaint received 2019-05-15
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. (SC)

I was disputing inaccurate information on my credit report with Equifax. And some how my disputed information was shared unlawful with other companies of dispute. For example I was disputing a company here in South Carolina name : XXXX XXXX and Equifax mailed them my research request from with other disputes with different companies that was being disputed as well. That very unlawful for Equifax to share my other disputes with sunset finance as well as other information. I have proof letter from sunset finance mailed to me with everything Equifax mailed to them in which XXXX XXXX mailed to me. XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AZ)

My daughter had passed away and I was going through a divorce and lost my job at the same time. I let XXXX know of this situation as to remove late payments after I paid my balance in full and they declined my request. I have then resubmitted another goodwill letter with no reply. I still have a current open account with then in good standing. I am just asking them to remove the late payments off my credit report as it hurting my credit to know buy a new home.
Consumer complaint received 2017-12-08
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)

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX 2 )  XXXX XXXX XXXX ( XXXX/XXXX/XXXX 3 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) Chase card ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 )  XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 9 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 10 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 11 ) XXXX XXXX XXXX (XX/XX/XXXX6 ) 12 ) XX/XX/XXXX ( XXXX/XXXX/XXXX ) 13 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 14 ) XXXX XXXX ( XXXX/XXXX/XXXX )
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-15
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. (MI)

I routinely my credit report via XXXX. During a check on XX/XX/2019, I noted a change on my Equifax report indicating a hard credit inquiry. This inquiry was named as XXXX XXXX XXXX XXXX , XXXX and was also dated XX/XX/2019. Only my Equifax report seemed to show this inquiry - no other credit reporting agencies show this inquiry. I did not authorize XXXX XXXX XXXX to run a credit check. I am not currently an XXXX XXXX XXXX customer, nor have I ever been. I do not intend to be an XXXX XXXX XXXX customer and did not seek any inquiry on their products or services and did not provide my personal information to facilitate this. This credit inquiry was obviously in error. 
My first course of action was to file a dispute with Equifax. I filed this dispute online ( Complaint No XXXX / Confirmation number XXXX ). I received notification that the dispute was completed on XX/XX/2019. As I was unable to access this report online, I called customer service on XX/XX/2019. I was told Equifax would not remove the hard inquiry as it was a " factual report, '' and that if I believed the inquiry was in error or fraudulent, I should contact the company directly. 
As a result, I contacted XXXX XXXX XXXX on XX/XX/2019. I had extreme difficulty finding a representative that even understood my problem and spoke with at least four different individuals at three different numbers and received no help. Through some diligent online searching, I came across an online portal for filing billing and credit disputes with XXXX, an XXXX XXXX XXXX company. I completed this online form and provided my personal information as requested on XX/XX/2019. No confirmation was provided of the submission. 
As of this date, XX/XX/2019, I have not been contacted by XXXX XXXX XXXX to address this complaint and this hard credit inquiry still shows on my Equifax credit report. It is deeply troubling that not only can this sort of inquiry erroneously be applied to an individual 's credit report, but that there is no recourse or responsibility taken by the companies involved. I'm very dissatisfied with my experience with both Equifax and XXXX XXXX XXXX in both the error and the lack of correction. I'm unsure whether there is any accountability for them and wish this issue to be resolved.
Consumer complaint received 2017-12-08
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. (VA)

After several phone calls, letters and disputes the fraudulent inquires on my credit report remain. Please see the inquires below in question. I am not sure how this is able to happens since there is a credit freeze and fraud alert on my credit report. No one should be able to pull my report. 



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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I make a cash deposit of {$2500.00}. The machine took my money without crediting my account. I made a complaint the same day and a week later they closed the claimed and said I can not be paid. I would like to request surveillance footage of the deposit as I made the deposit and should be paid {$2500.00}.
Consumer complaint received 2022-04-01
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)

in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights
Consumer complaint received 2022-04-01
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. (TX)

in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Greater Collection Agency Bureau, LLC (AZ)

on XX/XX/XXXX I received a call from my Mother-in-Law in California that she received a call from XXXX XXXX of GCAB ( XXXX ) and that I was getting sued for a debt owed. I called XXXX back immediately and after verifying my information told me they were filing a class action suit for a XXXX XXXX credit debt. I told her it was part of our bankrupt several years ago and that I would call my lawyer to give them this information. She stated she had my lawyers information and would note it in my file. 

Calling a elderly family member is wrong when I do not owe any money.
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MS)

On  XXXX   XXXX ,  2017 Wells Fargo sent me a letter notifying me they were closing my safe deposit box. I promptly complied with their request for me to return the key. Unfortunately they have refused to return the money I paid to rent the safe deposit b  ox.
Consumer complaint received 2024-03-06
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: JPMORGAN CHASE & CO. (TX)

Chase Sapphire credit card - make it very difficult for customer to file a dispute. Got duplicate charge and tried to file a dispute over Chase App and phone calls. After 2 months of calling to get status update, I was advised that no dispute was filed! They are not allowing customers to file dispute thru their app even though they marketed that you can file a dispute online. Tried calling and none of their dispute team did anything! Still got duplicate charges and no resolution. They should check their phone record to see how many times I called.
Consumer complaint received 2017-10-04
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: EQUIFAX, INC. (MA)

CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (TX)

I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-02-28
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. (NJ)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of 2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

GM FINANCIAL is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. GM Financial has received notice through The BANKRUPTCY COURT CLERK, on XX/XX/XXXX stating a Chapter XXXX was filed, and on XX/XX/XXXX a signed order by the judge was sent stating all debt was discharged. To date GM Financial never responded, never appeared, and never rebutted the fact they are a debt collector.