davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Performance Settlement, LLC (FL)

ON XXXX XXXX, XXXX, WHAT I THOUGHT WAS MAKING ARRANGEMENT TO DEFER MY STUDENT LOANS ONLY TURNED OUT TO BE A SCAM. I ENDED UP AGREEING TO PAY THIS COMPANY [ PERFORMANCE STUDENT LOCAL CONSOLICATION AKA PERFORMANCE SLC, XXXX, A MONTHLY SERVICING FEE FOR FOR {$89.00} PER MONTH. ONLY TO FIND OUT THAT I DID NOT HAVE TO PAY A FEE BUT COULD HAVE SET UP THE ARRANGEMENT DIRECTLY WITH THE DEPARTMENT OF EDUCATION. THE PAYMENTS THAT I HAVE MADE ARE NOT GOING TOWARD THE STUDENT LOAN. IT IS ONLY A FEE THAT IS GOING TO THIS COMPANY. THERE IS NO BENEFIT IS PAYING THIS MONTHLY FEE. MY XXXX XXXX AND MY FATHER 'S XXXX XXXX IS STILL DECREASING BECAUSE THERE THE ARRANGEMENT WAS NOT REPORTED UNTIL RECENTLY. I HAD MADE XXXX PAYMENT DEDUCTED FROM MY FATHER 'S CHECKING ACCOUNT. SINCE THEN, A STOP PAYMENT ORDER HAS BEEN ISSUED AGAINST THIS COMPANY.
Consumer complaint received 2024-02-09
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)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX 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 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 2024-02-09
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. (FL)

Im not happy with the excessive about of inquiries on my credit report, it is decreasing my credit score & it shouldnt be on my credit profile IF I didnt make a purchase. This is defamation of character, due to me being denied of credit. ( Too many inquiries ) 15 U.S.C 1681
Consumer complaint received 2024-02-08
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
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)

I submitted accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper mortgage company withdrew 2 unauthorized payments from my account overnight ( XX/XX/2021 ) each in the amount of {$2400.00}. I am not signed up for auto-pay. I did not authorize these payments. My payment was not due. I am not late on payments. They are not answering calls even though their call center is open. My bank is overwhelmed and I can not get through to them. Per social media, MANY other customers with Mr. Cooper are having the exact same problem this morning. My checking account is now overdrawn by $ XXXX and I have no access to MY MONEY that they STOLE from my account.
Consumer complaint received 2017-10-31
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. (CA)

My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 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 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like my late payments to be removed from my credit report. I was going through a tough time in which I couldnt make on time payments due to being in school and having too much going on personally. It would be greatly appreciated.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (CA)

Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

On XXXX XXXX XXXX I sent Navient a payment for {$28.00} to satisfy the final amount owed on my student loans. On XXXX XXXX XXXX Navient cashed my check for {$28.00} according to my records on my XXXX XXXX XXXX account. Navient has yet to apply the payment to my account. I contacted Navient on Wednesday XXXX via telephone and spoke to a customer service representative about the issue. The representative told me to fax in a description of the issue and any documentation I had. I sent this info on Wednesday XXXX XXXX to XXXX at XXXX XXXX ( with a successful transmission confirmation ) and have yet to hear a response even though the customer service representative told me I would receive a response in XXXX hours. On Tuesday XXXX XXXX I followed up with Navient by sending a XXXX and direct message to their XXXX account and emailing XXXXXXXXXXXX. The XXXX representative responded to my message by saying they would review and get back to me in XXXX hours. I have yet to receive any further response and not acknowledgement of my email or issue.
Consumer complaint received 2021-11-27
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: Experian Information Solutions Inc. (CA)

I have disputed a collection account with Experian and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from Experian explaining why the account remains and only place a comment " Disputed by the consumer ''
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested
Consumer complaint received 2024-02-08
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.
Consumer complaint received 2024-02-08
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-08
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-01-20
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. (FL)

XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-08
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (TN)

Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation (GA)

Somebody did loan in my name XXXX XXXX now my check garnished even disputed XXXX XXXX even offered settlement even tho I ain't do it ... .but no luck n dey garnished my check I'm XXXX  can't afford I Neva gave permission garnished r sign loan it's unauthorized n fraud ... plz stop harassing n garnishment plz, ....
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MS)

A month ago after checking my credit report I noticed a debt collector named XXXX XXXX listed on my credit report. I called them and they said it was an account from XXXX XXXX XXXX. I told them Ive never had XXXX XXXX XXXX. Yet they said I still owe this balance. I then asked my mom and sister if they opened anything up in my name because they did it before without my permission. My sister finally owned up and said she did, and that she would pay it off. So on XXXX she said she called XXXX XXXX and paid the money that was owed on case number XXXX said she asked them could they delete it off my credit. They said no and that they could only report it as paid in full with a {$0.00} balance. And that they have no way how to get it removed. I dont understand how they can report it to the bureau but they cant get it removed. Especially when the FCRA gives them that right to do so.
Consumer complaint received 2024-02-08
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. ()

According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Equifax are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX and Equifax do not have my consent to furnish this information and surely do not have my written consent. Any consent to XXXX and Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
Consumer complaint received 2024-02-08
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)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

In XXXX of XXXX, I submitted a request for a cosigner release on three student loans, owned by XXXX and serviced by XXXX. The request was denied for a reason that was later determined to be inaccurate ( I made XXXX payment 16 days *early*, which violated a supposed rule AES had that " regular payments for four years '' had to occur within 15 days of the due date - they had actually changed this rule to only refer to late payments ). Ultimately, after waiting for months, no response was given. I met all requirements for cosigner realease, as far as I am aware. 

I submitted a second request for cosigner release in XXXX of XXXX. Since then, I have called AES multiple times and requested that they follow up with XXXX. XXXX has not responded to the request. 

Waiting for 2 years for this process is unacceptable. I would like action from XXXX to review my request ( and hopefully approve it ), so that these loans can be removed from my mother 's credit report.