davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I was harassed about this debt with Easy Money. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

YOUR COMPLAINT I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$5200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues. XXXX XXXX called me and stated that they moved to a different store and that they would contact synchrony to issue a refund
Consumer complaint received 2022-12-03
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. (MS)

In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I have been paying the minimum payment but choosing to have the payment disbursed specifically to the accounts that I want which is the choice given to me by the Edfinancial website. Even though I have made the minimum payments they are still showing accounts being behind because I have chosen not to have the payment spread out to all of the loans. Then threatening to hit my credit if I dont make payments across all of the loans. Sounds like XX/XX/XXXX. I am making the minimum payment and doing it in a way that is offered to me. If you dont want people to have a choice then dont offer one.
Consumer complaint received 2022-12-03
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

I attempted to reach out to the creditor via phone twice, certified mail on XX/XX/20, in an attempt to verify the validity of this debt as it is not mine. Regarding both phone calls, no one has ever followed up with my messages, one left on the recording and the other with the operator that said someone from billing would contact me. There has also been no response to my inquest that was sent certified USPS. This is not my debt. I have had insurance with no lapse for the last 7 years, same company with the same plan had this been my debt, there would have been no issue in regards to payment of a claim. However I have not been to this facility nor would I considering they do not accept my insurance and would have notified me of such if I attempted to schedule an appointment with their office. This is not my debt, it is reported on my credit report and is a fraudulent collection.
Consumer complaint received 2022-12-03
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: Millco Management (FL)

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 payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2022-06-03
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 have disputed these Hard Inquiries with Equifax, as I did not and they are still listed. Please remove inquiries from my credit report. Thank You XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (IN)

XXXX XXXX of XXXX, IN in conjunction with ABC Financial Services their third party collection service continue to bill me for services when I properly terminated my services in writing with a 30 day notice on XXXX XXXX over the loss of my job due to COVID-19. I had to put a stop payment with my credit union to get them to stop illegally continuing to draft money from my checking account. I've contacted XXXX XXXX in writing and by phone to discontinue my membership and have spoken by phone to ABC Financial Services to ask that they discontinue sending me billing notices or I would be forced to file a complaint. So here we are as yet another billing showed up today XX/XX/2020. I'm also including proof of their reply email to my XX/XX/2020 so there is no question that they received my email to them title " Membership Cancellation ''.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NC)

I sent an international money transfer online through western union app on XX/XX/2020. Transaction number is XXXX. I paid {$400.00} plus fees using my bank debit card. The app stated that the transaction is under review and should be available to sender within 2 hours. But after 4 hours. the transaction was never processed, so I called Western Union customer service who asked me to email a copy of my ID so they can process the transaction as soon as possible. I sent my ID, and all they did is sending me an email assuring me my money is under " secure hold ''. I thought I did a mistake while reviewing the transaction online because there is " review and resend '' tab under my transaction number, which I clicked. This triggered another withdrawal of {$400.00} plus fees from my bank. I called within 30 minutes to cancel the second transaction according to Western Union policy, but they refused to cancel. After so many calls with them, and being put on hold indefinitely I asked to cancel both transactions and refund me. They sent an email stating they were unable to refund. They provided no reason. That means that they can hold my money for a long time. They have no reason or right to refuse to refund me. I'm asking for a refund, and I guess they hold customers ' money for as long as possible to gain some interest.
Consumer complaint received 2022-06-01
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-14
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. (TX)

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX  days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Consumer complaint received 2020-09-08
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. (OH)

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX,
Consumer complaint received 2022-07-14
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. (NY)

I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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 an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX, XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, AZ PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX COLLECTIONS : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX SC XXXX XXXX 'S XXXX XXXX XXXX XXXXXXXX EQUIFAX EMPLOYERS : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WI)

XX/XX/XXXX XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX To whom it may concern, We're filing this complaint in the hopes that you will assist us with our final loan modification, with Selene Finance. we were approved for a Trial Payment Plan- a SIX MONTH plan- on XX/XX/XXXX. We have made each of the six payments on or ahead of schedule and have been trying to get final Modification approval information from Selene, since XX/XX/XXXX. 
We've spoken with them FIFTEEN times over the last six weeks and still no update. Not only has their story repeatedly changed and then intentionally missguiding, on every phone call, we were reminded that we should continue to make the trial payment that we agreed to last XXXX. Given that our Trial Payment Plan, was for a period of six months, we are not legally responsible to continue making payments unless a NEW Agreement is reached. Not only this, but Selene has a  history of forcing homeowners to continue making payments after successfully completing a trial modification plan and never modifying their loan. 
We also requested and received a complete Loan History printout and noticed numerous exorbitant charges over the last five years. Selene has yet to been able to provide us with an individual to discuss this with, let alone to explain these charges. It's our understanding that Selene is acting extremely litigious and not following Federal Compliance guidelines with regards to servicing our loan and this modification. 
I've attached all notes from our calls, beginning in XXXX, to this complaint and we are requesting that this matter be resolved as soon as possible. We simply wish to return to good faith payments and put this whole ordeal behind us. 

Thank you for your assistance and I'm available anytime at XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

Greetings, we purchased our home they Guaranteed Rate and closed this past XXXX XXXX 2022. The process was fantastic and the team we worked with was phenomenal! 

Now we are being told that our loan servicing is being transferred to a company called XXXX XXXX. As an engaged consumer I looked this company up on the XXXX website and discovered that they are a terrible company with a disastrous track record! I have called Guaranteed Rate multiple times requesting that my loan servicing not be transferred to this company. I have a list of names of many that I spoke with but they just kept transferring me to different people until I demanded to speak with their highest level supervisor. Her name was XXXX and she stated that there was nothing that could be done. She also stated that she could not tell me the name of the person or persons responsible for making this decision. 

I am a service XXXX retired XXXX XXXX and I believe that this new loan servicing company does not value any of its customers, especially XXXX  based upon their reviews. I need to know why my loan and others are being transferred to such a substandard loan servicer and why are companies allowed to transfer our loans without ensuring that the servicer is reputable? I will also be contacting the XXXX XXXX XXXX XXXX, both my congressman and US Senators, The XXXX XXXX. and the media if necessary. 

I did not serve for most of my life just to have a company that makes millions from XXXX  loans to have my loan sold off to a company that appears to make its money charging excessive fees, provide poor customer service and appears unresponsive to its customers. 

I look forward to your assistance concerning this most urgent matter.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (FL)

Requested a free consumer report from XXXX and they have not completed my request, do not respond to my emails, do not answer the phone ( NEVER ), and my report has been pending for over 2 months and the company does not respond! how can companies SO UMPROFESSIONAL be allowed to handle such delicate and important information of people I don't get it...