davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXXXXXX Balance {$4600.00}
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I was to file bankruptcy and pulled credit report. In XXXX 2014, XXXX XXXX and XXXX reporting I owe them. Called to get original bill and also called XXXX XXXX XXXX where original bill is. XXXX states I only owed {$76.00} which I paid. I went into office and they stated my credit report would be cleared. Called Experion XXXX 2014, and I was told XXXX XXXX is reporting correctly stating I still owe them {$110.00}.
Consumer complaint received 2022-09-09
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)

Previously I sent EQUIFAX an identity theft packet containing my Identification documents, an official FTC identity theft report and a letter identifying the information resulting from identity theft. At this current time EQUIFAX is still reporting accounts resulting from identity theft onto my consumer credit file even after receiving all documentation necessary in order to block the reporting of these accounts. After speaking with an supervisor at EQUIFAX the supervisor claimed that the reason that the block was not submitted was due to the packet being incomplete for not having my identification in the packet. I am 100 % sure that my identification documents were attached in the overnight express envelope I sent them and that someone must have removed them upon receipt. In order to avoid any further confusion or excuses by EQUIFAX employees as to why they can not comply with the Fair Credit Reporting Act 15 USC 1681c-2 ( a ) I am submitting this CFPB complaint along with all of the previous information sent and an identity theft affidavit so that EQUIFAX does not give any more excuses as to why they can not comply with the Fair Credit Reporting Act and block the reporting of these accounts reporting as a result of identity theft. For the record, I have attached a NOTARIZED Identity theft Affidavit with the complaint and I have clearly communicated that this information is not resulting from any transaction by myself as the consumer involved. It is crucial that EQUIFAX give the proper attention to this matter and file this identity theft dispute accordingly to prevent these data furnishers from simply " auto-verifying '' and re-reporting this information reporting as a result of identity theft. This information must be properly blocked from reporting in accordance with 15 U.S.C. 1681c-2 ( a ), all required information has been provided pursuant to the subsection.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bepensa Capital, Inc. (AZ)

I was returning a call from my auto company AFS acceptance, I informed my rep XXXX that I needed to make the payment on the last Thursday on the month I just started a new job and my pay dates are off now. I hope with my taxes I can get my payments back on track and not pay late any more. She told me she did n't want to wait for my taxes, I told her that 's not what I stated, I called to set up a payment and tried to repeat what I told her the first time. She told me to listen to her, I informed her it was my mom 's birthday, and I was on a XXXX min break I just wanted to set up my payment she told me if she could n't talk she was going to end the call and hung up. I called back and requested to speak with a manager and asked them to cease all call, I got XXXX calls the next day. I found it really rude that she got upset about a payment that was only one day late at the time, and for her to tell me that she was not going to depend or wait on my taxes when that was not what I stated.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I have kept up with my monthly loan payments with Navient, however, I am concerned that my overall balance is going up and not down. I am currently on an income driven repayment plan and I would like to understand why my balance is increasing. I attended and graduated from XXXX XXXX, TX location but that locations has since closed due to fraudulent financial aid practices. I 've provided the school I attended here because it is not available in the section below for " What college or university did you attend when you received the loan? '' category. I believe it 's closure is why.
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

Hello. I requested to be refunded {$10000.00} on my loan balance that I paid during XXXX. This was done 3 months ago. They should of already reimbursed me or have some kind of update which they dont.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item
Consumer complaint received 2022-10-28
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)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.
Consumer complaint received 2022-09-09
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. (NV)

Hi I am submitting this 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 n 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 XXXX 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 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this 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 n 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 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified immediately.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CT)

THERE ARE MULTIPLE HARD CREDIT INQUIRIES FROM THE SAME COMPANY AND MULTIPLE INQUIRIES FOR AN AUTO LOAN ON MY CREDIT REPORT GIVING ME A BAD CREDIT SCORE. HOW DO I OR CAN I HAVE THEM REMOVED. TRIED THE DISPUTE OPTION AND GOT NO WHERE.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

I am the XXXX XXXXXXXX for a lady whos house burned down. Faye servicing refuses to release the insurance funds to start construction even though all required paperwork has been turned in. They have delayed the construction schedule over 2 months and are holding onto the funds causing higher additional living expenses and delaying construction.
Consumer complaint received 2022-09-09
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

I have, for the past 4 years tried to get an Equifax Credit report. I have had no problem with XXXX. It seems that a whole lot of people are having the same problem. After you input the info ( on XXXX ) instead of getting a report you get a page that says one can not be issued online and you have to mail a copy of your drivers license, social security card, paystubs etc. and they will mail you a copy. I did that last year and I still have not received a response and I feel acutely uncomfortable mailing out such private information and have no idea who now has it. On top of it, when you go to their website, they give this number : XXXX EQUIFAX. Now, if you notice, that is too many numbers. It seems to me that they do not want to issue a yearly report, much less talk with anyone about it. I went in on an open forum and XXXX people are having then same issue with them. Please investigate as to why they are making this impossible to do. They are being remiss in their obligation to a free annual credit report. Thank you.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OK)

I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once m, not twice.
Consumer complaint received 2022-09-09
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 Account Number XXXX in the amount of {$400.00} 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 states a consumer reporting agency can not furnish a account without my written instructions.