davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-07-27
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (WA)

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed Sallie Mae loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and Navient/Sallie Mae. Navient said I had a XXXX   balance, and I was not attached. All three credit bureaus said that Navient told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Consumer complaint received 2021-08-10
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bliksum, LLC (CA)

I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (VA)

Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX  account XXXX ( XX/XX/2019 ) ( XX/XX/2019 ) XXXX, XXXX has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-13
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX )
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been contacting Equifax for months and they have not sent me ONE LETTER back! My Equifax credit file just disappeared. I read online where they like to do this to consumers that dispute things with them. I am just another victim of their vengeance. They are robbing me of letting me see my consumer information and robbing me of investigating the illegitimate things on my report with them. The attached documents i never received any response letters from them.
Consumer complaint received 2017-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MI)

This complaint stems from simply switching one credit card for another at the PNC bank XXXX, MI branch. I requested my old account stay active to preserve my stellar payment history of over 30 years and to cancel auto-pay AFTER the last purchases were paid. PNC cancelled the auto -pay prematurely and as a result, I incurred the fees and interest reflecting non-payment. This was evident after returning from a extended vacation. After on going discussions about this matter with several different employees, it was XXXX XXXX of PNC who stipulated that the fees would stand and I was to blame for stopping auto-pay. Accordingly, I severed all ties with PNC after 30 years as a customer and withdrew my {$29000.00} savings and cancelled the new credit card and declared I will never, ever pay those fees and interest for as long as I live. I believe a third party agency like the CFPB and others should be made aware of this banks practices in that a simple mistake can be made and can not be corrected at the cost of a consumers credit rating and financial standing and reputation ( in my case an XXXX rating or more ). Most of this issue took place in XX/XX/2018 with me terminating my accounts on XX/XX/2018.
Consumer complaint received 2020-12-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-27
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. (MI)

I sent letters to Equifax was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXXL XXXX Balance {$73000.00} XXXX XXXXL XXXX Balance {$20000.00}
Consumer complaint received 2022-08-06
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: Paypal Holdings, Inc (NM)

This is the second time I have an issue with PayPal not following up on a fraudulent vendor. This one is new and just starting to scam people so PayPal will have hundreds of claims in the next few weeks. There is a website XXXX that is advertising exceptional pricing in their catalog of items. I was not aware of it until after my transaction that came after i XXXX the XXXX XXXX I was trying to purchase at a savings of nearly 40 %. I placed an item on hold in the cart as I was researching and comparing models. I received a reminder from XXXX reminding me the special offer was about to expire so I opened the link to pay and this took me directly to PayPal. At this time, you think you are paying this company but it actually processes the payment as a transfer, only you do not see this until after you complete the transaction. Then you see that the money went to a XXXX XXXX and an email of XXXX Then, Paypal responds the transaction is not covered by their Purchase Protection and you are basically " XXXX  '' ... PLEASE HELP!!!
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2018-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (KS)

Two years ago I refinanced my Student Loans with Earnest. Refinancing helped consolidate my loans and it gave me flexibility in repaying them. Initially everything was great and I was satisfied. More recently, Earnest has made changes to their website, repayment terms, and general way of doing business it seems. I imagine this has to do with Earnest being bought by XXXX. I understand XXXX has been sued or is under investigation by the CFPB. It seems they have not learned from their past. 

Anyway, with their new interface I have had difficulty making a payment. The difficulty lies in making a payment either on the date or in the amount I have set up with their auto-pay feature. I have attached a document to help describe this. My comments in the document is italicized and in red. I will also attach my email correspondence.
Consumer complaint received 2021-11-03
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$8100.00}
Consumer complaint received 2021-05-20
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. (CA)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX-Equifax
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CA)

According to documents provided by Discover Card for Complaint ID XXXX submitted on XX/XX/XXXX to the Consumer Financial Protection Bureau ( CFPB ), my account was created on XX/XX/XXXX. The document can be found HERE. I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX from XX/XX/XXXX-XX/XX/XXXX, a total of 11 years and 8 months. 

Despite knowing my correct address located at XXXX XXXX  XXXX XXXX, XXXX CA XXXX, notice was provided to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX on XXXX. The document can be found HERE. 

Service was then sent to another incorrect address located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. The document can be found HERE. 

On XX/XX/XXXX my personal information was submitted to a " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Proof of Service can be found HERE. At no time did I live at ANY of those addresses. 

My correct address was on file. A copy of my utility bill from that time frame validating my residency can be found HERE. XXXX XXXX  failed to served notice and used court processes for the purpose of intimidation and to undermine consumer protections. 

My consumer rights were eliminated to secure a judgment without due process with the intent to commit fraud. Within recent months, I have discovered the extent of this abuse after extensive research. I have suffered emotional duress and damages because of the illegal activities committed by Discover Card. 

The aforementioned facts have been taken directly from XXXX XXXX Court Records Case No.  XXXX and from CFPB Complaint IDXXXX. 


Please note Discover Card via XXXX XXXX XXXX committed the following documented violations : Violation Statute Date ( s ) of Violation Illegally Informed a Third Party of My Alleged Debt [ 15 USC 1692c ] 805 ( b ) 3.01.2016 5.11.2016 6.01.2016 2.14.2019 Failed to Send a Written Debt Validation Notice [ 15 USC 1692g ] 809 ( a ) 1.08.2016 7.06.2016 1.08.2016 Continued to Collect on the Debt before Providing Verification [ 15 USC 1692g ] 809 ( b ) 1.08.2016 7.06.2016 1.08.2016
Consumer complaint received 2022-08-05
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)

On XX/XX/2022 I spoke with XXXX @ XXXX p.m she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate 3rd party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX XXXX XXXX XXXX # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this one account has two account numbers is because it is reporting different across all three bureaus. XXXX, Equifax and XXXX. This account does not belong to me as I told the sales rep. 
XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did Equifax, XXXX or XXXX verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. Equifax, XXXX, And XXXX. 
XXXX XXXX XXXX XXXX XXXX  # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Our escrow payment on my Flagstar Bank mortgage account # XXXX has increased significantly, an additional {$240.00} per month. We believe the increase is way too much as our property taxes nor our property insurance has increased. Flagstar Bank, the new loan/service provider and is unable to accurately provide me the details of escrow increase due to the transfer of a different loan/service provider ( XXXX XXXX XXXX # XXXX ) within the same year. Is it possible that this information was misplaced with the previous loan/service provider? In addition, We're being asked to pay a cushion " Required Minimum Balance '' {$1100.00} on top of the " Projected Balance '' of {$1800.00} totaling the proposed shortage {$2900.00}, is this legal? Where is the escrow and the " Required Minimum Balance '' collected from the previous provider?
Consumer complaint received 2019-08-13
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: EQUIFAX, INC. (AZ)

Equifax ; XXXX and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (TN)

There has been a false deceptive and misleading representation in the contract that NFCU is claiming that they loan me credit which has now lead to a billing error for statement of XXXX XXXX, 2022. The deceptive language has violated my consumer rights under the truth in lending act. They are also reporting late payments which is also a violation of my consumer rights pursuant to 15 U.S.C 1666b.