davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to Ally directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Consumer complaint received 2021-12-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Colony Brands, Inc. (PA)

I recently applied for a line of credit back in XXXX to XX/XX/2021 with XXXX XXXX I was initially granted a credit line of XXXX dollars I made purchases through country door arould XXXX of merchandise I as a consumer faithfully and responsibly made good faith too pay the company for the purchases I made allways makeing payments never being late and have paid balance down too XXXX recently this company reported my account too the credit bureaus dropping my credit limit from XXXX too XXXX dollar credit limit throwing my utilization at 228 % for this account causing damage too my score I feel as a consumer Ive been targeted by a mistake on the part of XXXX XXXX  and its company I contacted the company too reference my case without any reasoning and told them I felt I had the rights as a consumer too be concerned of such unfair business practice and would report the matter as a consumer that has made a good Will effort too pay my obligation over time and Ive not been late on any of my current obligations too anyone Im doing business with I respectfully ask for a investigation thanks for your time.
Consumer complaint received 2021-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-09-15
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. (FL)

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-07
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: GOLDMAN SACHS BANK USA (MN)

I bought TWO XXXX  from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX  and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX  XXXX XXXX credit card bill and attached here, is XX/XX/XXXX. 
A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX  for {$2000.00} and another TWO XXXX  for {$2000.00} I have NEVER received a receipt for this purchase. 

Later on, I was charged another {$2000.00} without my knowledge. 

On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge. 

Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB. 

After reporting to the CFPB, the XXXX  double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card  account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.
Consumer complaint received 2022-09-15
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: Exeter Finance, LLC. (GA)

CFPB In accordance with Fair Credit Report Act XXXX Acct # XXXX has violated my rights 15USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 804 # 2 consumer reporting agency can not form a account without my written instructions.

15 USC 1666 B a creditor may not feed a payment on a credit card act under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-15
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. (FL)

When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX AUTO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (WA)

My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.
Consumer complaint received 2022-11-13
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 — Problem with personal statement of dispute
Company: Self Financial Inc. (NC)

I applied for an XXXX XXXX Credit card. My intention was merely to improve my XXXX XXXX score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along SELF Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. SELF FINANCIAL SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER SELF ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Consumer complaint received 2021-11-22
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

I got behind on my mortgage do to XXXX and medical problems and we took in a XXXX XXXX. I have since fixed the problems and am able to make my payments but I am not able to make the XXXX PNC is asking for. I have called to make arrangement maybe to pay this over a 6-9 month period to get caught up but they told me I could not. I do have some of the money to pay now but they wont take anything except the full payment. We have lived here 27 years and I do not want to lose our home. We are hard working and have had some bad luck but I have no doubt I can get this turned around if they would work out an agreement to let me pay it back in 6-9 months. I can not do it all at once- thank you for your assistance
Consumer complaint received 2022-09-15
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX
Consumer complaint received 2021-12-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (SC)

For four months I have tried to resolve the issue of my XXXX  loan modification with LoanCare , LLC. LoanCare rep stated it was mailed in XXXX, however we never received it. I've made numerous phone calls asking to have this paperwork resent and/or emailed with negative results. I reached out to the XXXX for help in this matter, with NO assistance. 
On Tuesday, XXXX XXXX, XXXX I was finally able to get a rep to email the paperwork. We got it notarized on XXXX XXXX and overnighted on XXXX XXXX. I called on XXXX XXXX to make a payment and they refused. 
My spouse and I have lived at this property for over XXXX years, and are now starting to feel this company is trying cause us to lose our home!!! You can NOT get through and speak to anyone within a reasonable time. You cant speak with the same individual. This is an absolutely horrible company that is NOT bound BY any ethical principles.
Consumer complaint received 2022-11-13
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 (MD)

I am currently a co-signer on my sons Sallie Mae loan. I have filed bankruptcy due to financial issues and it has been XXXX. Sallie Mae loan was not included in the discharge. I have setup a modified payment plan with Sallie Mae that they offered as assistance. I accepted and am currently making the payments, however they are still reporting to the credit bureau as late or missed payments rather than reporting on a modified payment plan. Although my bankruptcy is a major negative to my credit score, how can I work to improve my credit with Sallie Mae reporting each month as if I am not paying at all. I am on this modified plan for next two years so how are they helping me by reporting as such. It appears that reporting in this manner continues to hurt the consumer that is trying their best to comply with terms even during hardship. I would like for Sallie Mae to report that I am paying rather than missed or late payments. My financial situation has not changed and yet I agreed to do my best to make some type of payment each month to keep it from going into default yet Im still being penalized by this company.
Consumer complaint received 2021-11-22
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. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has 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 and need to update or remove from reporting : XXXX XXXX****-Balance {$XXXX} XXXX XXXX***-Balance XXXX XXXX***-Balance {XXXX XXXXBalance {XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2022-09-15
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX NA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; SYNCB Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX 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 ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX/ Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (AL)

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-13
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: I.C. System, Inc. (CA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt.