davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (WA)

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and XXXX didnt give them permission to do so.
Consumer complaint received 2020-08-13
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. (NH)

XXXX  will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but Equafax and XXXX  won't remove.
Consumer complaint received 2020-08-13
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: ALLY FINANCIAL INC. (MI)

I have a loan with XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-13
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX  XXXX XXXX  Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX   Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX   XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX  Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX   XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (FL)

A company keeps calling my distant relatives weekly harassing them by calling early hours of the morning trying to reach me. I've called them to ask them to stop and they continue to do so. I have taken down their contact information and I have screenshots of the texts from my relative complaining to me about it. I would like it to stop, as I understand it, it is illegal to contact 3rd parties for something of this nature.
Consumer complaint received 2018-11-23
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. (VA)

I called Equifax XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself as well as a bankruptcy that I have no knowledge of. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items. I have not applied for credit and wish for these items to be removed as they are effecting my score negatively.
Consumer complaint received 2020-12-24
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: ALLY FINANCIAL INC. (GA)

XXXX of 2020 I requested payment assistance on my car payments from Ally Financial. The request for 90 days started XXXX and was to end in XXXX. My payment due date for the month was typically on the XXXX of every month but at some point All Financial changed it to the XXXX. This change of date made me 30 days late on a payment which when I noticed I paid immediately. They reported the late payment for XXXX. After contacting Ally they stated they would send in a good faith request to remove the late payment, instead every month they just pushed the late payment to the current month. They did this all the way until XXXX making it seem as if I have been late within the last 30 days. This has resulted in a denial for refinancing on my hone which is causing a hardship. Ive contacted the bureau several times to correct the late payment info. Finally in attempt to resolve this, Ally promised if I paid my account in full they would delete the account from my credit history. I did that immediately even accepting a higher interest rate from another bank just to get this removed and they have not kept their word. I paid in full in XXXX and after the most recent dispute it is still being reported incorrectly that I made a late payment in XXXX which again is causing me to be denied an opportunity to lower my mortgage. Ive reached out to the bureaus several times and it seems Ally Financial is reporting incorrect info. I feel that I have been misled to pay the car off so I can stop calling about them correcting my credit report. I have never been late on any payment with Ally and due to a payment due change they initiate I made my first late payment unknowingly.
Consumer complaint received 2018-11-23
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. (CA)

I submitted a copy of my FTC identity theft report to all credit bureaus to remove items that were fraud and not submitted by me. XXXX & XXXX investigated and removed those items. Equifax investigated and did not remove anything. This is causing negative effects on my life. 

{$1000.00} collection, I disputed with FTC.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

First Violation : __ Resurgent Capital Services L.P. has violated my rights under the FDCPA section 809 : __ Failure to provide validation that Resurgent Capital Servies L.P. ''current owner '' that respondent has written contractual agreement to alleged accounts and amount.__ Second Violation : XXXX_FCRA has been violated XXXX In accordance with the Fair Credit Reporting Act ( XXXX ) RESURGENT CAPITAL SERVICES Account # XXXX ( XXXX ) RESURGENT CAPITAL SERVICES Account # 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 an account without my written instructions. ]
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

A letter was sent to SARMA on XX/XX/2020 requesting validation for an alleged collection account. SARMA received the certified letter, XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. To date, I still have not received a response of any kind and this collection account remains on my credit report. SARMA has 30 days to investigate my dispute and advise me of their findings and provide supporting documentation that this debt belongs to me. I have never received any communication to advise me of this debt and only recently became aware of this debt when I ordered my credit reports.
Consumer complaint received 2020-08-13
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. (NC)

On XX/XX/2020 I called Equifax because I keep having issues with multiple credit files reporting. There was one report that had collections on it that did not belong to me. ( 6 ) collections from XXXX XXXX XXXX. The rep from equifax merged this file that isnt mine with these collections to my real file. Now I have collections on my file. I have gotten info from this XXXX XXXX XXXX proving these are not mine and she merged the file unwilling on XX/XX/XXXX. I am under contract for a new house and this has completely stopped me in underwriting. Equifax refuses to fix the mistake they made.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (DE)

I co-signed a XXXX XXXX loan with Sallie mae, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. Sallie mae denied the receipt of the request ( which they later confirmed while on a call with Sallie mae representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.
Consumer complaint received 2020-08-13
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. (NC)

The Department of Education, XXXX, XXXX, and also Equifax continue to refuse to correct information placed on my credit report, during a Pandemic, covered by The Cares Act, stating borrowers payments would pause and continue to be reported as paid. This has destroyed my credit, I can not get anyone to help, and I have hired an attorney as well as contacted The White House.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (IL)

I received a US Bank debit card purportedly related to unemployment benefits in Colorado. Clearly, and for many reasons, this card is not for me. However, it is equally clear that US Bank or an organization they " partner with '' and " profit from '' has my personal information which caused this card to be issued. US Bank provides phone numbers to call which are unattended or otherwise impossible to reach a human to resolve this. I traveled t a US Bank facility. Even the manager there was powerless to do anything except provide a list of activities I would be " required '' to do that would take many hours ( police report, credit bureau notices, creditor notices, etc. etc. etc. ) I find this incredibly arrogant and condescending. I have done NOTHING to cause this fraud. US Bank or their affiliates have precipitated fraud or made errors, and yet they take no responsibility and accept no accountability for doing ANYTHING. This is simply not right. Why should the victim of US Bank 's fraud or incompetence be the one burdened with correcting THEIR improper actions?
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the accounts is not mines and is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX -JEFFERSON CAPITAL SYSTEM # XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Consumer complaint received 2020-08-13
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. (TX)

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX PARK ROW XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX GEORGIA XXXX XXXX, 77084 Year of Birth Select as many as apply XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute XXXX BANK XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date XXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date XXXX Dispute XXXX XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date XXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, names and address not mine
Consumer complaint received 2018-11-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DC)

In XX/XX/XXXX, I called Navient to find out if I could begin paying {$300.00} a month towards my student loan debt. I was rudely told by a male Navient customer service rep that {$300.00} was not going to be enough and that if I didnt pay the full repayment amount of {$1400.00} starting immediately, Navient would send my loan to a credit collection agency. I was so distraught from his threatening tone, I hung up the phone crying and without resolution. I was so shaken and felt hopeless that my only financial debt in life would/is my biggest failure ( second guessing the worth of my college degrees ) .The following day, I decided I had to try again and call Navient to settle my debt. I called Navient again and reached a very helpful female customer service rep who listened to my predicament and recommended I applied for the income driven repayment ( IDR ) plan even though I told her I had {$300.00} I could pay each month. I applied and was approved for the IDR Plan and, again, paid {$0.00} payments this past year. Im getting ready to call Navient now to go through this same drill again of finding a repayment plan that will take the repayment amount I have to offer. After reading many stories about other debtors like me going through what I have been through, I felt I needed to contact CFPB so I can possibly get help myself and/or prevent others from going through what Im going through right now. Since graduating from XXXX in XXXX, I have not been able to make payments on my student loans. When I offered to pay {$50.00} each month, I was told it wasnt enough and I might as well file for income hardship deferment or forbearance, which I have been doing for the past 20 years. I now have a total outstanding debt to Navient of {$160000.00}. I just wish Navient would have accepted my offer of $ 50 monthly repayment back in XXXX or at least worked with me on a fair payment amount. The interest that has accrued on my student loans is scary. I didnt even go to XXXX XXXX schools.
Consumer complaint received 2021-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

I was under the impression that the government was wiping out all loans from XXXX XXXX as they closed a few years ago. I've ready many articles on a bill that was passed last month that forgives the debt 100 %. I spoke to navient who still demanded a payment.
Consumer complaint received 2020-08-13
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. (TX)

all wrong not mine : 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} XXXX XXXX {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc