davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with Charter Bank One. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his 401K to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (MI)

I applied for a loan which was approved through their automated system. Once I applied and provided my documents they stated that my income was too low compared to the requested loan amount. When I called to ask why and what amount of income they decided to use they refused to provide that information. I feel as though they are being discriminatory and denying my the loan. My income matches what I initially requested. I would also like to apply for a lower loan amount but they couldn't tell me what amount I would be approved for.
Consumer complaint received 2021-04-29
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. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

15 U.S. Code 6801 - Protection of nonpublic personal information states it is the policy of the XXXX  that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I only have one name which is XXXX XXXX, all others are false. I would like any other variations removed. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I want all personal identifying information removed from my report EXCEPT my name and address. 
15 U.S. Code 1681a states that I have a right to ACCURATE and FAIR credit reporting. 
The XXXX XXXX XXXX Account XXXX shows {$950.00}, open status, and past due on Experian, while it reports a {$960.00} balance and is charged off on XXXX and XXXX. I want this account removed due to inaccurate reporting. 
According to the IRS ( XXXX XXXX. XXXX Canceled Debt Is It Taxable or Not? ), a charge-off is considered a certificate of indebtedness, which is considered income, and income can not be reported on any credit report. I Would like the following accounts removed : Account # XXXX with AD XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX ) Account # XXXX with XXXX XXXX  ( Original Creditor XXXX XXXX  ) Account # XXXX with XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) Account # XXXX with XXXX XXXX XXXX It is illegal to report transaction history. Also, 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account Number XXXX with XXXX OF XXXX shows a delinquent account when it should report as current. I would like this updated. 
According to 15 USC 1681b ( c ) ( 3 ), Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, 15 USC 1681a ( 4 ) States I have the right to privacy. Therefore, I need all inquiries, SOFT and Hard, removed because of a violation of privacy.
Consumer complaint received 2019-10-29
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: Experian Information Solutions Inc. (IL)

THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: FREEDOM FINANCIAL NETWORK (AZ)

I am writing to address a significant concern regarding the security interest/instrument I tendered to Achieve and the circumstances surrounding it.

Pursuant to the regulations outlined in Billing Error Resolution 12 CFR 1026.13, 12 USC 411, 15 USC 1602 ( H ) ( j ), 15 USC 1635 ( h ), and 15 USC 1692 ( h ), I request that this matter be thoroughly investigated and resolved.Description of Billing Error : Upon reviewing the terms of the agreement and my recent interactions with Achieve, I have become deeply concerned about potential securities fraud and irregularities in the handling of my account.Specifically, I was asked by Achieve to personally guarantee the application for services, which I believe constitutes securities fraud. Additionally, I have reason to believe that the security interest/instrument I tendered to Achieve is being used in a manner that violates my rights as a consumer
Consumer complaint received 2019-10-29
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)

I have contacted XXXX XXXX several times to resolve this issue. For some reasons unknown to me I have 2 accounts with XXXX XXXX. I want them to show proof that I signed for these 2 accounts. This is ruining my credit report. I want them to show proof with documentation that I have 2 accounts or remove this fraudulent information from my trade line. I have also disputed this with Equifax and no one has sent me any proof that these 2 accounts belong to me. They both are the same amount at the same time. PLEASE PROVIDE PROOF THAT THESE 2 ME. I have attached a screen shoot of the 2 accounts that is showing on my credit report.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (PA)

I XXXX XXXX got a pre-approval for a personal line of credit and someone with ghost technology ( XXXX ) ran interference and had XXXX XXXX, XXXX, and store manager XXXX XXXX XXXX lie about pre-approval.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Meta Payments Inc. (CA)

Dear consumer financial protection government Please transfer this issue to meta support team or XXXX XXXX Dear MetaXXXX XXXX XXXX XXXX I am writing to request an urgent review of my Instagram account, which was wrongfully suspended on XXXX XX/XX/year>. Following the suspension, I immediately submitted the required appeal, including my ID card, on the same day, as instructed. 

Unfortunately, despite waiting for over a month, my account has not been reviewed yet, and I have not received any updates other than the message : " You submitted an appeal on XXXX XXXX. '' This situation is causing significant disruption to my activities on the platform, as I rely heavily on my account for personal and professional use. 

Here are my account details for your reference : XXXX XXXX XXXX Full Name : XXXX XXXX XXXX of Appeal Submission : XXXX XX/XX/year> Email Associated with Account : [ XXXX ] Issue : Account suspended without follow-up or review after submitting required documents. 

Given the impact that this has had on my personal and professional life, I am reaching out to you for assistance. As the Attorney General, I believe that you have the authority to investigate and take action against companies that engage in unfair and deceptive practices, such as disabling accounts without proper cause. 

I respectfully request that you look into this matter and take any necessary steps to help me regain access to my XXXX account. I believe that I have followed all of the platform 's terms of service and community guidelines, and I am confident that there has been some mistake or misunderstanding that led to my account being disabled.

I kindly request you to prioritize this review and provide me with an update on the status of my appeal. If any additional information or documents are required from my side, please do let me know. 

I have made several attempts to contact your team via the support channels but have yet to receive a response. I would appreciate it if you could assist me in resolving this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best regards, XXXX XXXX XXXX Handle XXXX Email : [ XXXX ] Alternate email : - [ XXXX ]
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-19
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. (NJ)

The company sold my information to other company without my persimmon. I have talk to the financial company and they are denying this. The company that they sold my information to said they got my number from them. They will not return my calls now because I was made aware of this.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

This began with a denial for a loan modification which was submitted to me on XX/XX/22. I appealed the denial. The Loan servicer has now provided a loan modification offer dated XX/XX/XXXX ; however, SPS has demanded the first payment be made by XX/XX/XXXX. This is less then 30 days from the receipt of the notice of receiving their offer. While the company, SPS Select Portfolio Servicing has not answered my appeal per se, this modification plan can only be accepted by making the first payment with very specific instructions which are an undue hardship. The date, XX/XX/XXXX is a Sunday also a standard holiday and I have not received sufficient notice to be able to make the first payment so I may successfully enter in the trial period. 

I am asking for payment due date to make the first payment from XX/XX/XXXX to XX/XX/XXXX to properly prepare financially to make the first payment.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ' need help sending documents to trans union because I don't believe they sending over proper documents I send and finish my investigation to fast been victim of identity theft and need help correcting my credit report Report number XXXX
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION (IL)

in XXXX XXXX XXXX during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and Pen Fed did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from Pen Fed Credit Union regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it.

It been 6 years now. and Pen Fed said they will never take it off
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am two months behind on my capital one credit card. They sent me an email that I could bring my account current by paying {$110.00} by XX/XX/19. In the meantime I have been harassed by an excessive amount of phone calls to collect the balance, including multiple calls in one day and calls on Sunday : XXXX XXXX - XX/XX/19 XXXX XXXX   XXXX - XX/XX/19 XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX  There is a fee for request of phone records. Will request if needed.
Consumer complaint received 2021-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my Capital One credit card for over 5 years and never missed a payment. During the Covid-19 pandemic, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i missed payments, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. I lost my job right before covid XXXX XXXX, Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. On XX/XX/XXXX I was told to send a hardship letter to Capital One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. Although the account was closed, I have made payments to bring my account current. 5 years of perfect payment history, on an account that had a credit limit of { {$500.00} } and minimum payments of { {$25.00} } per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.
Consumer complaint received 2022-01-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC (NY)

This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}
Consumer complaint received 2021-06-02
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft HSBC BANK Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.