davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (PA)

Collection accounts were added to my credit report on XX/XX/XXXX for {$620.00} and on XX/XX/XXXX for XXXX. I sent 3 rounds of debt validation request to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as a complaint letter stating that the collection agencies failed to provide proof of validation for these debts. Equifax responded to me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response consisted of a copy of my credit report stating that the debt had been validated. Equifax has yet to provide me proof of these claims such as a copy of an original contract with my written signature on it or any information as to who they spoke with during this investigation or what evidence was provided to validate this debt. Equifax is violation of section 609 of the FCRA by continuing to report inaccurate information on my credit report.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX i also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
Consumer complaint received 2017-07-25
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)

XXXX XXXX agency has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

When my loan started to become due. I told sallie mae that I am not able to pay the loan at this time because I was not making enough money to pay it back. Sallie Mae at did offer me a reduced payment plan. They had me put the loans in forbearance. But being that I was past my due date they could do the forbearance for the past month I missed. And if I needed to put in forberance again I needed to call before the next due date. By doing the forbearance the loan amount went up. Sallie Mae never called me directly to let me know that I was behind in payment. They would call my co-signer but never called me directly. I approached sallie mae to get a lower payment. The deal they offered me was not acceptable. Sallie Mae offered to lower my interest rate only two years. And after would be back to a varible rate that i have know Idea what it would be. And being that they were lowering the payment because of the interest rate. They added five more to my loan. I also offered to settle the loan with a buyout amount. Sallie Mae said they would take nothing less then 90 % of the loan.
Consumer complaint received 2021-01-19
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 XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX 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 Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (FL)

I just recently pulled my XXXX  and XXXX  credit report and i notice XXXX XXXX is reporting a failed payment or FP for the month of XX/XX/2013 on my XXXX  credit report but when i looked at my XXXX  credit report it clearly shows where it says " Date of last payment '' it shows XX/XX/2013 this leads me to believe that the entire payment history is being reported wrong. This account is closed and charged off and is having a negative impact on my credit score. Also XXXX XXXX has the wrong account number on both credit reports XXXX is showing account # XXXX and XXXX is showing # XXXX I was just recently turned down for a mortgage because of this inaccurate tradeline. I want XXXX XXXX to show proof i made a payment on XX/XX/2013 because it clearly states i did with XXXX  if they cant provide me proof. I want this inaccurate account deleted form a 3 credit reporting agencies XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

On XX/XX/20, I checked into my payment statuses for past payments and noticed that the application of my payments was being applied incorrectly. I currently have 6 outstanding loans ( all Stafford loans ), that are serviced through Great Lakes Educational Loan Services and upon payment, more than just the interest is being paid on each, even though the information provided on the website states that excess amounts over interest will be applied to the principal of the loan with the highest interest rate. Upon calling one of their  representatives, they confirmed that the information on their site is the appropriate way of applying the loans. As such, I believe that they are committing deceptive practices that is causing individuals, including myself, to pay more overall on their loans. Through this practice, it means that my effective interest rate is not being driven down through the pay down of my higher interest rates, but is instead, remaining stagnant and netting them more profit on my loans. Although I have caught this practice and can alter the payment allocation to the correct, and stated way, this is an act that could have costs me hundreds of dollars, and for some individuals, may cost others thousands over the life of their loans. My concerns were corroborated by searching for similar issues with them, and I found countless.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (KS)

I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (GA)

I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.
Consumer complaint received 2018-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : Choice Recovery. Account # : XXXX. Original Creditor : XXXX XXXX XXXX. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Choice Recovery that clearly violates my rights according to HIPPA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Choice Recovery and XXXX XXXX XXXX ; therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX and XXXX and I am proceeding with legal action as prescribed by law against XXXX XXXX XXXX and XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I am writing today in regards to my account with Citibank account # ending in XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up. I have been on time ever since.
Consumer complaint received 2023-02-28
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. (PA)

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 32 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

I worked with a debt relief company, XXXX XXXX XXXX, to pay down/off my credit card debt. I had an account with Synchrony Bank/Amazon that was settled and paid in full in XX/XX/2021. Synchrony Bank has refused to update my credit report to reflect the current {$0.00} balance and still shows that I have a past-due balance. I have disputed the account 3 times and have spoken with the bank who stated that they will continue to report a past-due balance, but that I don't have to pay it.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (SC)

My first question is if I don't give you my personal information. Example if I give you my personal information and authorize you to check. We could find and resolve. NetSpend XXXX a fraud alert came about. They sent me a text message block my card. Then I called and confirmed to block my card. They sent me a new card and they put it on another account. Which is mine with no money. I have called several times and had this money transferred. To the new account. I have to eat sometime. And it's still not there and when I call they put me through the same process. Also someone has all my electronics. My emails phone numbers. They might even contact you they're not who they are
Consumer complaint received 2017-07-24
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. (TX)

WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.
Consumer complaint received 2021-10-04
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. (TN)

On XX/XX/2021 i sent out a letter of dispute to Equifax and XXXX to address some inaccurate and misleading information on my credit reports. My disputes have went unanswered for over 30 days. I sent out a 2nd letter on XX/XX/2021 to follow up on the investigation and still nothing. It clearly states in the F.C.R.A. 611 ( a ) That a failure to investigate a dispute within 30 days gives reason to immediately remove the items included in the dispute from the Consumer Credit Report. It has been over ( 43 Days ) for Equifax and ( 32 days ) for XXXX before they responded to my dispute hence they are in violation of the F.C.R.A. so the items listed in the disputes should be removed promptly. I demand that these accounts be deleted immediately or i will be forced to file for litigation to protected my Consumer Rights. My sensitive data was compromised during the Equifax data breach my information has already been violated once and I stand firm in exercising my Consumer Rights. All of my evidence is attached to this compliant as well confirmation of my identity. 

XXXX XXXX
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (RI)

On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (RI)

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.
Consumer complaint received 2020-04-21
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)

Today I spoke with XXXX, a supervisor in Customer CARE regarding confirmation number XXXX filed on XXXXThe investigation is regarding an erroneous date of first delinquency. 
The problem I have is that Equifax possesses a preponderance of evidence in their hand proving this is the case so there is no need for a " creditor/customer weigh- in '' regarding this evidence.The same evidence they see or acknowledge Today was provided in CFPB COMPLAINTS XXXX,XXXX,XXXX. 
Today the date of first delinquency regarding an unpaid rental contract is over 7 years old, A SERIOUS FCRA violation.The proof I've supplied shows a summons date of XX/XX/13, proof of the collection process for rent.the judgment date of XX/XX/2013 is the wrongful date the creditor supplied stating some federal code that they have the right to keep a judgment on file for seven years ... YET, THIS IS CLASSIFIED AS A COLLECTION ACCOUNT.The beef is ... ..EQUIFAX, due to the proof on hand does not need the creditor to weigh-in or consult ... all that this does is create further damage, keeping a negative item on file well beyond the 7 year uniform policy pertaining to a statute of limitations.