davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below have 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 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 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 2022-05-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (PA)

I have large amounts of debt from several Student Loans for Sallie Mae. I have called countless times, asking for extra options- including deferment and forbearance plans, and I can not reasonably wait anymore. I have almost {$100000.00} in student loans, with the lowest interest rate being 7.875 %, and the highest being 13 %, and I can not afford more than a single month of payment. It is too much for me to pay off, and I'm not even going to be able to afford to feed and take care of myself if this continues.
Consumer complaint received 2022-04-28
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. (VA)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax & XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

On my background check report a charge from XXXX county appears as offense : XXXX XXXX. Type : XXXX   on XX/XX/2020. This is inaccurate. I have never been arrested for XXXX XXXX Police records data base should show this.
Consumer complaint received 2022-10-28
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: SYNCHRONY FINANCIAL (CO)

In XXXX of XXXX I purchased an XXXX stacked washer/dryer with a warranty, I opened a Lowe 's Credit Card and charged the washer/dryer and warranty to the credit card. It was suppose to be delivered on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm delivery, they said that delivery wasn't going to happen until the end of XXXX. At that time I cancelled the washer/dryer and asked them to refund everything to the credit card. I purchased the same model from another retailer who was able to have it delivered within a week. 

In XXXX of XXXX I received a call from XXXX 's confirming delivery of the washer/dryer, I told them I had cancelled the order and everything was suppose to be refunded back to the credit card. They refunded the washer/dryer, but did not refund the warranty. I have been getting the runaround between Synchrony Bank/XXXX XXXX and their Warranty company since XXXX of XXXX. I have spoken multiple times with them about getting this refunded to my credit card since I never took possession of the washer/dryer, and should have been refunded the warranty in full. 

They have trashed my credit score so that my insurance has gone up and another of my credit cards, has lowered my credit limit, which has again affected my credit score. 

I have spent countless hours on the phone with no resolution. I never took possession of the original item I purchased, I never should have been charged for a warranty on an item that was never delivered. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more! 

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report. 

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal.

They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody any written instructions.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase at XXXX in XXXX, as I was going to pay, the cashier offered to apply to a XXXX credit card. I had shared I already had one and she said if I applied I would be able to get a XXXX version. I applied under the impression that I would simply get an upgrade given that I had a standing account, however, I just found out on XX/XX/XXXX that was not the case. 

I paid off my outstanding balance on what I thought was the card on XX/XX/XXXX, however, I received an Experience notice that I was delinquent on my XXXX account. 

I logged onto my XXXX XXXX and saw a {$0.00} balance, however, when I called to speak to customer service, I learned that I had 2 accounts and not just one. I was upset because I feel this was a misleading and predatory credit card application technique. 

I only spent {$160.00} and it cost me {$200.00} dollars to pay off and nearly XXXX XXXX points. I went from Very Good credit to Poor in less than 2 months. This practice of offering credit cards and not being clear right at checkout is malicious. I paid off this in full balance and opted to close both accounts. Something similar to this happened to my mother and I did not realize how bad this was until now. I feel I have generally healthy financial habits, but how many other consumers is this happening to?
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I ordered a copy of my report in XXXX XXXX  Dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX and Equifax has not replied to my dispute. According to the Fair Credit Reporting Act, the Credits Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts below. I believe it was reporting in error and must be corrected. 
XXXX XXXX XXXX XXXX : - U S DEPT OF EDXXXX XXXXBalance : -
Consumer complaint received 2022-04-27
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX  ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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: DISCOVER BANK (MI)

Discover paid a merchant XXXX XXXX XXXX  {$100.00} on XX/XX/XXXX. I disputed the amount as I had no idea what it was for. Nobody could tell me what it was for. Apparently back and forth they paid XXXX, gave me a credit, paid the merchants and then gave me a credit. Finally on XX/XX/XXXX they stated the merchant XXXX was paid however, no proof has been provided they were paid and it is NOT on my statements I have poured over. Discover.com sent me an email attached stating they took the credit back from me and still have not provided me proof they paid the vendor. Only verbally have they told me. They said XXXX was paid on XX/XX/XXXX, XX/XX/XXXX and tons of other dates. I have 1 screenshot of a payment made to XXXX on XX/XX/XXXX. This has gone to collections with XXXX XXXX XXXX stating I owe the money yet have not validated the debt. XXXX was contacted as well and escalated the issue with nobody calling me back either.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (IL)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-12-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

To : Navient Customer Care Department Case # : XXXX The nature of this corresondence is to inform Navient of errors and greivances that has caused me severe hardship on my consumer report, i'm speaking of the Closed Navient accounts. Now I had Navient customer care department perform a reinvestigation spear-headed by the CFPB in regards to four bank statements that I made between XXXX. 

The results of the investigation was that they couldn't verify my payments without contacting my bank. And i'm going to show you that in accordance with cosumer law I am not obligated to disclose my personal banking information. 

You furnished a letter ( attached to this document ) in which you were not able to verify my payments after your reinvestigation, and because you couldn't verify the payments the reinvestigation was considered incomplete. You must delete the accounts or put in a delete account request to XXXX and XXXX because you are the furnisher, otherwise you have violated a consumer law which I will show you down below. 


This will be a notorized document and this will be the final notice to request These Closed Navient accounts ( 5 with XXXX and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (IL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-08-15
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. (OR)

XXXX XXXX is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems continues to call us on a medical debt that the source hospital says does not exist. We have been demanding a validation of this debt for three years and have HAVE NOT received any validation yet the company continues to call us even while admitting to us that the account is in dispute. The process is always circular, the calls are non stop, and we cant get any validation or resolution regardless of what we do or say so we need intervention. 

Thanks.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have two consolidated XXXX loans that were opened in XX/XX/XXXX and are serviced by Navient. The loans consolidated student loans that were originated between XXXX and XXXX. It appears that I may be able to qualify for loan forgiveness because of changes implemented to the IDR repayment plans on XX/XX/XXXX an updated on XX/XX/XXXX. It appears that if I convert my loans to a consolidate Direct loan under an IDR plan that the months I've been paying, in deferment and forebearance would all be counted to wards the 20years required for IDR forgiveness. However, Navient is not able to give me any information that i've asked to give me advice. All they say is to contact the board of education or FSA who refers me back to Navient. Navient has also advised me that they don't think student loan forgiveness will ultimately occur. I've asked for my payment records on my originating loans and for an explanation whether or not my commercially held XXXX loans will qualify for IDR conversion and or IDR forgiveness if I convert them to direct loans.
Consumer complaint received 2022-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED SUPPORTING DOCUMENTS.
Consumer complaint received 2022-10-28
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. (PA)

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 U.S.C 1681 XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX 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 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 adverse item of information, other than records of convictions of crime 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 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (WA)

To whom it may concern, On XX/XX/XXXX my 2021 XXXX XXXX was totaled by another driver. The Settlement value was precisely {$23000.00}. The Value evaluation from XXXX is included in an attachment. {$19000.00}. XXXX sent a check for Hyundai on XX/XX/XXXX. The check was received on XX/XX/XXXX and processed and cleared on XX/XX/XXXX ( see attached ). Hyundai owes me precisely {$3500.00}. 

However, ever since the account has been overpaid, Hyundai has refused to close my account and have allowed late charges to occur. Since XX/XX/XXXX, I have reach out to Hyundai every single week. I have never got a clear answer, I have been put on hold only to be hung up on. Many times, I have been told a financier needs to close the account, but they seem to always be on lunch or done for the day. I have been told multiple times they would call be back, that has still to this day XX/XX/XXXX ( XXXX months later ) has never happened. 

XXXX has also tried to help me. I was told by a rep from Hyundai that they needed to talk to XXXX before they can close the account. XXXX tried, see the report on the interaction between XXXX and Hyundai attached. Progressive has told me they have been told by Hyundai that they will call them back and never did, they have put them on hold and eventually hung up on them. XXXX has given me all the documentation I would need, and I have sent them to Hyundai with no response. 

To say I am frustrated is an understatement. Frankly Hyundai should be ashamed of how they do business. What I want is my account to be closed like it should have been in XXXX, I want the fees that were added after wiped off, and I want the {$3500.00} owed to me. This has gone on long enough.
Consumer complaint received 2022-09-30
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. (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-04-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CO)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.