davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Recently, I retrieved my credit report from all 3 bureaus. To my dismay, a company by the name of Midland Credit Management was listed there as a collections, for {XXXX}. Not aware for what this collection was I immediately disputed with the 3 bureaus as well as with the Midland Credit Management company. As outlined under the The Fair Debt Collection Practices Act I requested a Validation of debts to include a statement and/or signed contract. In response, I received notice that the debt had been validated as accurate from the bureaus and an offer for settlement from Midland. They ignored my request to substantiate their reporting. The FTC states on their website that with such request the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. https : //XXXX.XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX, yet all I have received is numerous offers to settle an erroneous debt while they continued to report this derogatory tradeline. 

It's evident Midland is not able to substantiate their derogatory report in association with my name. However I am open to giving them one last attempt to physically substantiate the erroneous reporting or promptly delete such reporting information as the FCRA and FTC instructs. The reported inaccuracies are damaging and impedes my rightful ability to gain financing with fair and responsible terms. 
Please help me resolve this.
Consumer complaint received 2022-04-23
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. (OH)

I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX  XXXX ( EQUIFAX )
Consumer complaint received 2022-04-23
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. (GA)

In accordance to the Fair Reporting Act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (WI)

On XX/XX/2022, I was browsing XXXX XXXX  and was shown and advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with a Apple/Goldman Sachs specialist who confirmed that I met the terms of the promotion and stated that I should receive it within 30 days of meeting the promotion terms. It has now been 45 days since meeting the terms and I still have not received the {$75.00} welcome bonus. Other customers online have reported receiving the welcome bonus within 24 hours of meeting the terms.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CT)

My loan servicer was transferred to another mortgage company as of XXXX. I received a notice from the new servicer that my escrow account was grossly overdrawn, and my payment would need to increase nearly 50 % for the next XXXX months. 

Upon reviewing the annual escrow account disclosure statement, the previous servicer had paid out property tax nearly XXXX what the actual bill was. The property tax in the town the house is in only bills once per year and thus only XXXX payment per year. In XX/XX/2021 the amount of XXXX was paid ( erroneously ). In XX/XX/2021 a payment in the amount of XXXX was made ( also erroneously ). A third payment of XXXX was paid in XX/XX/2021 which is the only payment that should have been paid. 

I contacted the Town which the home is located in, and they have stated they did not receive the XX/XX/2021 and the XX/XX/2021 payments. The town did receive the XX/XX/2021 payment. 

When I contacted the previous mortgage company ( Homebridge ) who made the mistake they said they would look into and get back to me in a few weeks. I believe they should credit my account immediately. This is an escrow account with my money in it. They continually refer to the money as " their '' money.
Consumer complaint received 2022-04-23
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)

XXXX XXXX Apartments own by XXXX XXXX in XXXX XXXX XXXX debt to XXXX XXXX XXXX, I have disputed this information with equifax and provided them with the photos showing the dates of NO Damage in the apartment when I moved out. No one at the company will correct this error that is hurting my credit nor is the credit reporting agency looking at my proof. 
They just updated the information that I disputed. 
Where is there proof all they showed was my lease and the invoice they made up which is lies. I am sick of Companies having the upper hand when we have solid proof. 
Please have equifax and the remainder of these reporting agency update this information.
Consumer complaint received 2021-10-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$3400.00} // Late Open DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$4400.00} // Late Open
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021 I was alerted from the credit bureaus that my account went into 30 day late payment status for the month of XXXX. Which was reported by XXXX XXXXPrior to this incident I have not had any late payments with this institution. 
I tried contacting Barclays Bank on several occasions speaking several different representatives as well as supervisors asking them why was I reported 30 days late to to the collection bureaus? They all have told me that they wasnt responsible for reporting me for a late payment and that it was in-fact a issue that I needed to address to The XXXX, and that they could not help me.In the meantime my actual credit report for the month of XXXX clearly states that it was indeed reported 30 day late by XXXX XXXX . 

At that point I proceeded to contact the XXXX XXXX and spoke with several representatives as well as supervisors and explained my situation to them.They then informed me that my account was paid to date, as well as that they do not have any affiliation for collections of payments from Barclays Bank with my account.They said that they have an entirely different institution connected to my account for collection of payments and that is the only institution that they have on file for me.They also informed me that they did not report me to the credit bureaus for late payments.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

- An unauthorized payment was made by someone using my debit card info today. I filed a dispute. The two unauthorized charges were {$9.00} and {$1.00}. 

- The estimated review month was XX/XX/XXXX so I called chime asking why it was going to take so long. 

- They confirmed the review date was XXXX but I would receive a preliminary credit on the XX/XX/XXXX. Besides the fact that if this was a larger payment this would hurt me because I have bills due NOW where if I dont pay them my life is ruined ( credit score ruined, eviction from apartment, etc )- They told me though that if the claim was denied Id owe them the credit. So if I receive the credit for {$9.00} and {$1.00} on the XXXX and the claim is denied in XXXX then Ill have to pay Chime back credit for the {$9.00} and {$1.00} that was for an UNAUTHORIZED payment. 

All in all now I feel unsafe keeping my money with chime financial products like checking, savings, and especially the secured credit card due to the fact that if a claim is denied even if the payment was unauthorized I end up potentially losing hundreds of dollars, and if used with my credit card it would damage my credit.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

Comenity Capital Bank Is fraudulently charging late fees to my account after the statements were submitted and when it was paid in full. I paid in full and closed out this account in XXXX of XXXX due to the constant fraudulent charges being placed on my account by CCB. CCB then charged over XXXX  in late fees after I had closed out the account with a XXXX balance. My credit score was being effected by these erroneous charges so I paid off the incorrect balance {$120.00} on the card yet again in full XX/XX/XXXX. I have asked for transcripts or copies of the records/ recordings of and for my calls and payments due to charges being paid in full and after processing other charges being added. I was told on XX/XX/XXXX by a CCB manager that I need a subpoena to receive these records. After reviewing the XXXX XXXXeports this seems to be a constant complaint against this company.
Consumer complaint received 2021-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

Continuation of complaint # XXXX-XXXX  ( this is the third time we have reached out regarding Firstmark ) A payment was made XX/XX/XXXX of {$930.00}, a portion of this amount is to be applied to ALL eight loans. I feel Firstmark is applying funds to only six loans. Again received a call from a very sweet lady requesting payment on our accounts. The loans are up to date according to Firstmark website. Next payment due XX/XX/XXXX. The very nice lady did state this will effect our credit rating and fees will be applied. Please fix this. This is verging on harassment. Also a 12 moment call of wasted time for Firstmark employee and me. Firstmark please investigate this continuing complaint and issues. How can we get Firstmark to respond to our many requests for help? The time and effort put into the Firstmark collecting an already paid amount would be much better served assisting the customers who request help. Customer Service is non existent.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VT)

XX/XX/21 : Electronic transfer of {$1900.00} to a closed Dick 's card account managed by Synchrony. This was my mistake, I meant to pay XXXX. This is a lot of money for me, I need it. 

XX/XX/21 : Called Synchrony and had an extended phone conversation where we established that they could not help me at that number, I would need to contact " Payment Issues Department '' by fax, as they would not give out any email, or phone number for that department. 

XX/XX/21 : A fax explaining what had happened with all requested identifying information was sent to the fax number as requested. 

XX/XX/21 : As of now we have received no response of any type from this fax. 

It appears to me that they have my {$1900.00}, and are trying not to pay it back promptly, even though I have made every effort to communication clearly, and they were able to find the closed account in the computer.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

On XX/XX/2021 ATG credit has added a derogatory mark on my credit report. After further investigation and research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.
Consumer complaint received 2021-07-15
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. (GA)

A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter XXXX different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TN)

In 2020 I was under the Cares Act with Loancare. Loancare is showing on all three bureaus 60 days late and negatively impacting my credit. In XX/XX/2020 my loan was paid in full with Loancare and no balances remaining. Under the care act you may not send anything negatively or report anything negative to any bureau. I am requesting a letter and email from Loancare with Loancare letterhead stating there was never a late payment with my mortgage at any point in time. In addition, a dispute with all three bureaus to remove this negative impact your company faulted. This is completely illegal under the Cares Act and Loancare had no right to negatively report to any bureau whatsoever.
Consumer complaint received 2021-07-15
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: CBC Companies, Inc. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2021-07-16
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. (VA)

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. Equifax credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, Equifax had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last XXXX of SS # is XXXX.
Consumer complaint received 2021-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

I have been experiencing a reduction in work hours since the pandemic started. Navient has worked with me up until this time, but now Im receiving conflicting information and issues moving forward. 

I received and email stating that as of XX/XX/31 short term coronavirus relief was no longer available for private student loans. 

I went to their website under covid-19 assistance and it states the program is available until at least XXXX with a note that you cant use it for more than 12 months. 

I called to speak to someone yesterday and they told me I have no other options that to make the repayment because Ive used all other options. The reality is I am still working a reduced number of hours and need assistance in postponing payments. I have been very proactive in reaching out before payments have been due to keep Navient informed about my situation. Unfortunately all of the sudden Im getting conflicting information from their sources and no real help.
Consumer complaint received 2021-11-13
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 recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/2015 and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/2015 and the account is paid in full then this account can not be a charged off account. XXXX and Equifax have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXXk XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.