davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to XXXX XXXX. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report. XXXX XXXX has since deleted this debt from my Credit report, however XXXX or Resurgent is not willing to comply.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-19
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: CHECK INTO CASH INC. (CA)

We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.
Consumer complaint received 2018-01-19
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)

Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: AMERICAN EXPRESS COMPANY (NY)

I rented a car in XXXX on XXXX XXXX, 2018. My total payments for the vehicle was {$630.00}, I gave a deposit for the vehicle with my second American Express card of {$250.00}, and then the {$630.00} with the silver card of American Express which I paid in full of the amount of {$630.00}, being this is a prepaid card and the monies there have to be deposit then used. Well, I called A. E. to  get my deposit from card # XXXX back for {$250.00}, being they are no pending charges from enterprise and AE tells me I have to wait 30 days for my monies that are a prepaid deposit for the vehicle I am cleared of with XXXX. 
I had an Agent from XXXX name XXXX, speak to a supervisor and representative there at AE and they still want to hold my monies 30 days without any sympathy if I have other bills or not or if this is just amount I deposit into my prepaid card ... These monies are mine and it should be returned not in 30 days, but in 3 days is acceptable ... I want to get my monies now. I had also called them telling them I needed {$50.00} of my money until it clears for medication and they said no. This is not their money it is mine and I want it back soi can close both accounts the XXXX one and the XXXX ...
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Keep getting calls about a dept that is over 15 years old, robo calls, and unprofessional and abusive people, told them 10 years ago to come and get the tools they refused. was included in law suit against them but they waited till the suit was over and they started again, I still have 6 months of calls from my phone company that I requested 4 years ago that shows more then 8 calls a day. and XXXX dept. I have been on the do not call list since 09 but they do n't seem to pay attention to the Law. The new numbers from the last 2 weeks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX they must stop.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

To whom it may concern We are sending this letter after speaking to one of your representatives and she advanced us to do so. 
You guys increased our mortgage payment without communicating with us! We found out through our credit score tracker. We have been paying our mortgage on time every time. However we had no idea that you guys had increased it. Please take this inquiry out of our credit as it has affected us very much. If you see our payment history you will see that we have never missed a payment. 
We have never received any phone call, email or a letter indicating this increase. 



Sincerely XXXX, XXXX XXXX
Consumer complaint received 2018-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MO)

Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.
Consumer complaint received 2018-01-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

XXXX XXXX used my XXXX contact list to repeatedly call and leave messages for acquaintances, friends/family, ect. I thought it was illegal to use harassment and humiliation tactics for debt collection? It is illegal to repeatedly contact anyone other than me about my debt!!!!! XXXX XXXX what happens when your companys tactics send someone over the edge? I appalled that XXXX has allowed my student loans to be handled by a company that is using illegal practices, including harassment, to collect a student loan debt.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (KY)

I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IN)

XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

When I enrolled in the Public Service Loan Forgiveness ( PSLF ) program, all of my loans were not consolidated ( some were not able to be counted towards PSLF ). I was not told that consolidating would re-start my clock in any discussions with student loan customer service agents, so I held off on doing so. I consolidated once I realized, but it cost me roughly two years worth of payments towards PSLF. I tried to rectify this by contacting the Ombudsmen Group. They did not move forward with the case. 

AdditionallyXXXX XXXX XXXX XXXX is stating I have 4 months of payments/non-payments that do not qualify for PSLF. I had to restructure my repayment plan during this time, as they switched from Direct Loans to XXXX XXXX XXXX, and I can not afford the Standard Plan. I questioned why these are not on my qualifying payment " clock, '' and they are currently under review.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (MI)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me for I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (TN)

I was in the process of purchasing a house and found unexplained collection accounts. I contacted XXXX XXXX in North Carolina to find out what the collections was in reference to. While speaking to a representative, she realized that the collection item was from an auto accident. She then asked my had it been settled, I replied no. She then stated that the claim should have been put on hold and I should have been contacted. I have called several times in the last 10 weeks to check on the progress of the removal of these 3 collections items. I also had my attorney contact them. They are no longer responding to me, which I understand why. They sent my attorney a standard lien letter that does not address the removal of the reported collection from my credit report. The collection agency is refusing to remove the negative items from my credit report after my attorney has contacted them to confirm the claim has not been settled. I did not received any communication from the collection agency or the original debtor prior to them reporting the negative items, although they claim there was an attempt to contact me. I have offered to pay the debt before the auto claim is settled if they remove the negative report. They have refused. The claims were sent to the credit agencies as 3 separate claims totaling less than {$400.00}. I believe this was deliberate to inflict as much damage as possible. Two of their employees have stated on two separate occasions that the debt should not have been reported to the credit agencies because it was clear in my file that the medical treatment was a result of an auto accident. XXXX XXXX has refused to work with me after I have provided them with all of the information requested. I have proven the validity of my auto accident and that the claim has not been settled. This is a deliberate abuse of power.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports