davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX My name is XXXX XXXX owner of XXXX  and XXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information Referring to Commercial credit card number XXXX, account inaccurate On Equifax complaint response dared XX/XX/2024, the disputed item, account number XXXX Not on my credit file, Equifax is inaccurate Exquifax claimed NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns, see attached Equifax response Equifax inaccurate information, on account number XXXX. 
As per Equifax Commercial account number XXXX, on my credit file as per email dated XX/XX/2024 See attached This is inaccuracy on my credit file affecting my company I hereby request Equifax to delete account number XXXX, immediately without delay and to send me detailed letter of account number XXXX, deleted from my Commercial credit file Please do not delay this is affecting my company Thank you XXXX XXXX
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Cfpb front website page says were are on ur side but really they are not its amaze me that servicer lies and cfpb falls for it My hardship was created by the employer sudden XXXX off of income it will cause problem to the point that the sudden stress will have a suvier effect on the health. XXXX XXXX bank have a complete ownership to all of my problem because they knew what were they doing and they knew what a monster SLS are but XXXX XXXX was only interested about the profits they making off of selling my home My question is again my hardship was caused and created suddenly by my employer now is it ok that I loose my home become homeless??? 
SLS never worked with me they assigned Person name XXXX XXXX she was never available didnt mather what time of the day call her I spoke with her twice and the only thing she told me was to given my Home to SLS never tryed to help and work out Tords I stay in my home Requesting document repeatedly and still requesting and say they never received it XXXX XXXX XXXX ID # XXXX called me once and when I explain everything was happening She again request some document that I had allready faxed numerous times assured me that she will personally will work with me and help me but that was also a lie and nothing happened SLS requesting me pay them {$40000.00} After all the evonanatiom of how my hardship stared My question is what part of my hardship SLS didnt unferestsbd or what part of I have financial hardship let SLS to think that I have {$40000.00} to pay them. 
If I dont have a financial difficulty wound I be in the situation I am right now???? 
So cfpb I am asking u to pay attention to how SLS lies menaplate and twists things Again I was put in this mess by my employer and the results of it had a terrible impact on my health my wife has a XXXX XXXX her XXXX is high constantly Doctors tells me no stress stress cause XXXX XXXX XXXX XXXX dont work when I told the doctor about our situation he broke in tears This is this how it is when familys goes through hardship they have to die that is the results I requested many many times I need the name of the monster invester who cheated and gave me this garbage loan he shouldnt buy this loan and he made tuna a profit of of this trioble loan I know the invester dont care about me all he care about is his profit and thats the reason SLS comes to the picture With everything going on with us health concern I am not giving my home to anybody nor leave or move I ask SLS to work with me not evict me SLS claimed that they put me on a trile payment My payment was {$1600.00} when my husband got laid off statement is provided Now SLS put me on a trail payment for {$2000.00} how is this affordable????? 
Please unferestsnd that my hardship was caused and created by my employer the results should not be me become homeless There are many programs like forbreance Reduced interest late fees reduction principal balance etc I need invester to contact me
Consumer complaint received 2017-08-10
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. (MD)

I called Navient last year around approximately XXXX  XXXX XXXX to consider me for income based repayment. They told me to let my cosigner pay my bills. I talked to the collection department at XXXX. Then I called last week on XXXX/XXXX/XXXX to request copies of my promissory note because I was concerned about the recent interest rates hikes coinciding at the same time I am over paying to bring down the debt. I told Navient it is very suspicious that in the past my payments did not increase but when I start paying more, my payments increased. They told me it was due to " libor rate '' I asked why the libor rate was not used in the past but only when I start making extra payments. They said they will send me information on libor rate in the mail and so am still waiting for a copy of my promissory note. In less than 6 months my interest rate increased. In XXXX XXXX, the rate was 9.375 %. Then in XXXX XXXX it was 9.62 %, Then in XXXX XXXX it was increased to 9.75 %, Then in XXXX XXXX it increased to 9.85 %, then in XXXX XXXX increased to 10 %. It is intersting to note that this libor rate coincides with me trying to pay more than my minimum payment to bring down my debt. The rate at which this libor rate according to Navient is going, I personally do not see how I can pay down this debt. The more I pay, the more Interest rates hike by Navient.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (MI)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$5600.00} NXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2015-04-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC. (OH)

In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company XXXX XXXX XXXX has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call XXXX
Consumer complaint received 2024-02-16
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. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Delete this account.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

TORRID COMENITY XX/XX/XXXX payment {$38.00} XXXX {$2.00} payment XX/XX/XXXX payment of {$5.00} Every time I call and request to cancel the card and every time Im told it is cancelled but that Ive accrued a dollar or two of interest so every time I pay it and every month I get another bill. Cancel my card or I will take legal action.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

when I go onto my Equifax, I am unable to login or speak to anyone when i call because it says they can not verify my identity although I am giving them my correct information. 

If I do get into the account, It tells me there is a promotional block on my account which I never put on my account and I do not know why it is there, but I need to remove it. I dont know where or how to do this and I can not reach anyone at Equifax , who can help me because their phone system consistently loops through and just redirect you to go to the FAQ on the website rather than allowing you to speak to any people who can help you.
Consumer complaint received 2024-05-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (CA)

As soon as I called out that they had taken XXXX payments without my authorization suddenly I start getting emails from fake collections emails. I got two seperate emails in a week after I told them I would not be paying them anymore since they violated my rights and broke the law. I believe they sent me these emails as a way to collect more money from me.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CO)

Today, XX/XX/XXXX, around XXXX XXXX XXXX XXXX, I received a call from Chase Auto Finance regarding my loan for a XXXX XXXXXXXX XXXX. They informed me that the payment was currently XXXX  days late and inquired about when I intended to make a payment. I mentioned aiming for around the XXXX or later. The agent then warned me that if the payment wasn't made by XX/XX/XXXX or earlier, I would be considered XXXX months late. Seeking clarification on the current number of days late, I was informed it was XXXX  days as of XX/XX/XXXX. When I questioned how making a payment after the XXXX would result in being XXXX  days late, the agent corrected that it would be XXXX  days late, not XXXX. I found the use of " XXXX months late '' misleading and inaccurate, more of a tactic than deceptive. I would like a debt validation letter and the agent to undergo training.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc. (AL)

On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (DE)

My discover card ( XXXX ) was used fraudulently for XXXX years. This started in 2018. I didn't know it because I had stopped using the card and put it in my drawer. Then I receive a bill for non-payment. I called and explained this and they did nothing, and I received another non-payment bill. I called and got routed to the fraud department who did nothing. This scenario has been going on seems like forever. 
When I would call they would tell me I have to pay this bill, even though I was telling them it was not me making these charges. I repeated myself over and over a least XXXX times over the years. My credit rating went down causing me to get higher rates and pay more money unnecessarily. I was in the XXXX credit score and because of Discover card delinquency reports they charged me 9 % to buy my XXXX last year. 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 I am asking for financial compensation for this terrible harassment because now Discover card after all these years of harassment they sent me a letter stating that after their investigation they have determined that I AM NOT responsible for the balance and an update sent to the credit bureaus. But what about me and my pain and stress and XXXX XXXX XXXX  rising because they didn't do their jobs. I want financial compensation for my suffering.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (PA)

Convergent Resources contacted me and asked me to verify my current address and then asked for the last XXXX digits of my social security number. They then said that I was not the person they were looking for. Should I be concerned about Identity theft? Some of the reviews of this company has me concerned.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.