davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, XXXX Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATIONXXXX XXXXXXXX Balance : {$6700.00} ; DEPT OFEDUCATIONXXXX XXXXXXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-05-05
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: Nelnet, Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

1. Security breach.

2.XX/XX/XXXXXXXX XXXX -I spoke with XXXX/Equifax. She said the flag on the port alert will be removed within 48 hours. Equifax call back number : XXXX. Confirmation number XXXX.

3. XX/XX/XXXX - The Equifax control number XXXX  has been closed. However the fraud alert is still active and can not be removed without written notification. This process is holding up my mortgage loan application from being approved per my load officer at XXXX XXXX XXXX.

4. Because of number 1 above. How do I remove my profile information from the Equifax database? I have major trust and customer service issues and their inability to resolve my issue ( removing the fraud alert at my request ) with this organization.
Consumer complaint received 2022-07-30
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX*Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-25
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. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991
Consumer complaint received 2022-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Thank you for your letter dated XX/XX/2022, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Consumer complaint received 2018-05-21
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)

At the beginning of XX/XX/XXXX I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to credit cards and personal loans under my name from XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XX/XX/XXXX and XX/XX/XXXX removed the items immediately and after 30 days passed Equifax stated that the items are still under investigation and has done nothing. I then sent a second request to Equifax with no Investigation results. 60 days have long passed and I sent my third request to Equifax and again Equifax stated under investigation and has again done nothing which is why I decide to come here for help, please help me.
Consumer complaint received 2022-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX { XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2022-04-14
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)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-05-21
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. (NC)

Upon checking my report I noticed that a collection agency XXXX XXXX XXXX was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to XXXX XXXX XXXX for these accounts they reported to the credit bureaur Equifax The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XX/XX/XXXX I received notice from Equifax stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency XXXX XXXX XXXX, I was made aware only after pulling my credit report. Equifax is violating the FDCPA by reporting debt that has not been proven to belong to me.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2020-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NJ)

Over the last year I have made several calls into Sallie Mae regarding their website not reflecting the correct payment amounts. The application did not match the website and therefore caused a discrepancy in amounts owed and I was constantly falling behind due to same. I started calling in XXXX to inquired about payment modifications as I was no longer in deferment starting in XXXX, knowing I could not afford the amount I would be asked to pay come XXXX. I was instructed to wait until XXXX. I called in XXXX and accepted the program with the lowest payment I could get. At this time I inquired about what to do if I can not afford. The representative instructed me to miss a payment, call back and they will be able to offer me alternative options. So yet again I followed the instructions and was told in my next call there was nothing they could do and thats the lowest payment I could get and was instructed to borrow money from family. From XXXX to XXXX I called countless time regarding payment modification. Finally in the end of XXXX I was granted same which at that time I asked to speak to a supervisor because it shouldnt take 4 months of back and forth stressing about not being able to make payments. A supervisor told me loan modification is a last resort and they do not recommend unless absolutely necessary. To which I stated it was necessary and expressed my concerns over several calls and was instructed to borrow money from family to pay the loans. Needless to say they eventually started me in the loan modification for 4 out of 5 loans. In order to due so I needed to make my account current in XXXX. In XXXX I had balance due of {$190.00} when I shouldve only been responsible for my one loan not included in the loan modification as it is set up on autopay. So I paid and called on XX/XX/26 at which time I was told I over paid. Today my co-signer called me saying Sallie Mae called asking for payment. My co-signer is on the loans that are in the modification which were paid the full amount of {$300.00} and change on XXXX. Again it shows I have a balance due on 2 of my loans in modification which are on autopay and were paid in full. Every single month I am calling this company to fix payments. I have banking experience of 7+ years and I can not figure out this discrepancy as I bring it current over the phone every month. This is needs to stop and I need support resolving it has been extremely detrimental to my mental health and causing me severe XXXX and stress.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/2017, I arrived at the XXXX XXXX XXXX XXXX dealership to discuss the return details of my XXXX XXXX XXXX as well as a possible new lease. After several hours w XXXX who also assisted me in leasing 3 years prior, we agreed on terms that would allow me to begin a new lease on XXXX XXXX as well as cover all closing costs on my XXXXXXXX XXXX plus, any wear and tear fees or other charges that may occur. It was made explicitly clear to me that once I enter into a new lease w Hyundai there would be no further liabilities of any sort  regarding the older lease. I spoke with the general manager of  the dealership as well, who likewise assured me that the agreement we reached was as I have described. Since all the details had been settled, I left the dealership with a new lease on a XXXX XXXX having fully believed that all my financial obligations for my XXXX XXXX lease had been cleared. In XX/XX/XXXX I received a notice from the co which I had gotten wear & tear coverage from ( XXXX ), that if I wanted to make a claim for coverage on my returned lease I would have to send in certain documentation. Thinking that I was not in need of this coverage because those fees ( if any ) had been covered during the negotiation of new lease, and since I was NOT notified otherwise by XXXX ( XXXX XXXX XXXX ), I didnt apply to receive any compensation for wear & tear charges. Continuing into XX/XX/XXXX I received a call from XXXX telling me that I had a balance remaining on my lease for wear & tear charges. Per instructions from XXXX & XXXX I mailed the documents received by the dealership to XXXX only to be told weeks later that they were incomplete & unacceptable. For the next few months i went back & forth between XXXX, XXXX and XXXX XXXX XXXX trying to resolve the situation. These entities/affiliates did not communicate w eachother, and throughout the process one was always blaming/waiting for the other 's performance. The situation was taking long to resolve and i became concerned due to the fact that a collection agency was involved ( even though i was continuously assured all was well ), i decided to expedite/resolve the matter and ended up paying the XXXX I was later partially reimbursed by XXXX. The following month XXXX put a 90 day late on my credit report.
Consumer complaint received 2022-07-30
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. (MO)

Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (AL)

On XX/XX/21I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-21
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 — Investigation took more than 30 days
Company: ERC (GA)

Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (SC)

I received an alert that my credit files had been flagged/updated by Paramount Recovery Services Systems XXXX XX/XX/2022. Paramount Recovery Services Systems are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Paramount Recovery Services Systems, and I do not know how Paramount Recovery Services Systems received my private medical information. Paramount Recovery Services Systems do not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Paramount Recovery Services Systems . My HIPPA rights have been violated. 
I am not a party to any agreements that Paramount Recovery Services Systems may or may not have with XXXX XXXX. I am not responsible for Paramount Recovery Services Systems purchase / transfer. 
Paramount Recovery Services Systems reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Paramount Recovery Services Systems or XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2022-05-05
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : XXXX XXXX