davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
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. (NJ)

XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

On XX/XX/18, I wrote a letter to collection agency, Transworld Systems Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, # XXXX, regarding acct # XXXX, to delete this debt from all 3 credit bureaus since I did not recall the debt. On XX/XX/18, I received a written reply from Transworld Systems stating, " Dear XXXX XXXX : Thank you for your inquiry regarding the above-referenced account. Please be advised that account number XXXX XXXX is closed in our office. Further inquiry regarding the underlying debt may be directed to XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, AZ XXXX. We appreciate the opportunity to respond to your inquiry. Very truly yours, Transworld Systems Inc ''.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

My XXXX XXXX Credit card was closed for years, I went to purchase an item and the cashier said I could use it, even though she never said it was closed. So I charged the item and then paid for it but got charged a late fee and interested. I called the company, they said IF the card wasn't closed, they would have been able to wave the fee, but since its a closed account, they could NOT wave the fee. That made no sense to me! If I was able to use the card, that the cashier was able to charge something to that card, then why would they NOT be able to go in and wave the fee? 
Now I paid that fee but keep getting more bills with more fees. So now I am out {$25.00} and now the current charge is {$25.00}. This is adding up to be more then the item I originally purchased. 
So I am looking for a reimbursement of the original fee I paid, it can be in a check or even a store credit. But if I don't pay this next bill I could be sent to collections and I don't want to hurt my credit score any more then I already have with the fees on this card! 
Spoke with first XXXX XXXX then XXXX then Supervisor XXXX XXXX of Fees X 3 of {$25.00} each = {$75.00} XXXX and XXXX and XX/XX/2018 statements Also spoke with XXXX at XXXX XXXX XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Marlette Funding, LLC (NY)

on XX/XX/22 I sent a presentment of final payment on BEST EGG account XXXX In the amount of {$23000.00}. My presentment was accepted by XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS As per the Postal Rule and his not response by mail on the matter in question. 
On XX/XX/22 I sent him a request for a statement showing XXXX balance on my account. 
NO RESPONSE THROUGH POST OFFICE WAS SENT. 
On XX/XX/22 I sent him a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE letter. 
Letter was received, but no response was sent through the Post Office. 
On XX/XX/22 I sent an AFFIDAVID OF MAILING AND NON-RESPONSE to XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS. 
NO RESPONSE WAS RECEIVED THROUGH POST OFFICE. 
Therefore, this debt is paid in full and They have NO right to be reporting negative information on my credit file. 
I want my statement reflecting XXXX balance on my account. 
I want them to abide by the UCC laws governing commerce in the United states.
Consumer complaint received 2022-06-12
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. (NV)

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  Account # XXXX, XXXX XXXX XXXX XXXX  All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Navient private student loan department has been harassing my employer and myself for the past 3 days. They started calling my job on XX/XX/XXXX. They continued to call on the XX/XX/XXXX and XX/XX/XXXX. I have now been put in a position to lose my job because of the interruptions and harassment they are causing.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (NC)

In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX NC. The bank that financed the vehicle was XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that XXXX XXXX XXXX and XXXX banks merged to become XXXX XXXX. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with XXXX  account is XXXX. The account # for XXXX ends in XXXX. I have two credit lines for {$39000.00} on my Equifax credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my Equifax credit report. Once I paid the vehicle off, I thought both banks would report to Equifax properly and with the correct accounting information for both errors on equifax, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from XXXXXXXX XXXX, XXXX XXXX Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The XXXX XXXX stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. Equifax as of XXXX is still reporting false information that it appears that the XXXX XXXX  is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the Equifax Credit Bureau to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the Equifax credit Bureau.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MO)

Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.
Consumer complaint received 2022-06-12
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. (VA)

XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX  Ref # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 15 USC 1681 Section 602 A, 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 consent.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

On today XX/XX/2018 i discovered that a previous fraud account that was labeled incorrectly reported and etc. was reinserted into my credit profile on XX/XX/2018. This same item, was deleted on XX/XX/2018 but before deletion, Equifax would unlawfully allow the creditor to damage my credit profile for a very long time by allowing the creditor to add and change unverifiable payment history, unverifiable amounts, unverifiable open/close dates, and unverifiable proof of ownership. I've had long stressful periods dealing with both Equifax and this fraudulent account. 

Accounting back to the deletion, the law clearly states it is a requirement that consumers be notified within 5 days of reinsertion of any previous deleted items. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2018-11-02
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. (MA)

XXXX sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at XXXX executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

I have a current CareCredit card. expiration date XX/XX/23. Snychrony Bank canceled this card during the pandemic and now I can't use it I have tried three times to get a new card issued without success. I was told in a recent mail that I have tried too many times. I use this card for eyeglasses only. I am in need of new glasses since I have not had a new prescription in over two years because of the pandemic. I used the card, paid if off and left with the feeling that I would be able to use it again if needed. 

I have no vision insurance and this card affords me the ability to get new eyeglasses. 

Please ask Synchrony Bankwhy they are denying me use of this card or why I can't get a new one. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (AR)

On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair  debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CO)

Three of us, myself and a married couple, purchased a home as Tenants in Common. All three of us are on the same mortgage note. The married couple are listed as the primary borrower and secondary borrow, myself listed as a co-borrower. 

The note was sold to Stearns Lending which indicates it provides an online portal for our loan management. I attempted to register with the portal ( XX/XX/XXXX ) and was denied access. I called the customer service number to find out why I couldn't register and was told that it was just a glitch in the system, that the support desk was notified and that I would have access soon. Then, end of day, I still did not have access. I filed a customer support ticket through the website and received a reply ( XX/XX/XXXX ) stating : " We are sorry you have been experiencing difficulty with the website. Our platform only allows for two   separate profiles per account. Therefore the person listed third on the loan will not have access under a separate profile of their own. 

Please feel free to contact us if you have any additional questions. '' I filed a secondary support request ( XX/XX/XXXX ) indicating that I needed access along with the primary borrow, while the third person would not need access. To which I received the reply ( XX/XX/XXXX ) : " We have received your recent inquiry regarding your mortgage account. Please have Mr. XXXX the primary mortgagor submit the request to have the names changed on the account. '' The person listed as the primary mortgagor called the support number and explained the situation as well as indicated the reference number to the last support request. He explained that as borrowers we all need the ability to manage our account and that we need to be able to make separate payments for tax filing purposes. The support representative put us on hold to check on it and returned saying that there was no way that access could be granted to me and the primary borrow and that we would have to switch primary and co-borrower. We told the representative that this is not an acceptable practice and asked to speak to a supervisor and were placed on hold. We never completed the call due to a very long hold time. 

As borrowers, we should all be able to access and manage our accounts and make payments individually. 

1. This arbitrary limit of 2 profiles per loan is unacceptable. This can't the first time that more than two borrowers have opened a mortgage.

2. We must have the ability to pay portions of the mortgage separately for tax filing purposes.
Consumer complaint received 2018-11-03
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. (FL)

On XX/XX/XXXX, XX/XX/XXXX and again, on XX/XX/XXXX, I have written to Experian Credit Reporting Agency and requested they update the incorrect names and addresses they have listed on my consumer credit report.I have provided State of Florida photo identification, tax and other documentation attesting to my name and address. I have never used any aliases or lived at any other address, then the one ( 1 ) I live at : XXXX XXXX XXXX, XXXX, Florida XXXX. They have multiple names and addresses listed for me which are incorrect. Dealing with them, has been nightmarish. An effort in futility! My name is XXXX. XXXX XXXX. I have never used any other name, for any reason. Nor have I lived at any other address other than the one I mentioned above. I want Experian to delete the inaccurate addresses and names. Then mail me an updated copy. Thank you, XXXX XXXX XXXX.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

I was shocked when reviewing my credit report and found several late payments on the dates below : Inconsistent dates below- 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) I kindly ask that you remove this late payments from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

These inquiries were unauthorized and i am a victim of identity theft. 

XXXX. XXXX ( XXXX XXXX XXXX ) [ XX/XX/year> ] XXXX. XXXX ( XXXX XXXX ) [ XX/XX/year> ] XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) [ XX/XX/year> ] XXXX. XXXXI [ XX/XX/year> ] XXXX. XXXX XXXX XXXX [ XX/XX/year> ]
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Consumer complaint received 2018-11-04
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. (NJ)

Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.
Consumer complaint received 2018-11-04
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. (NJ)

Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.