davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (NJ)

I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep receiving emails saying my disputes have been updated view current report, when I view current report or disputes nothing has been corrected everything has remained the same. These disputed accounts need to be taken care of and coded properly, as all information has been received and documented but yet the creditors are not correcting anything. It is affecting and impacting the ability to maintain what happened to my home since this has drastically dropped my score from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This should not be happening if they were coded correctly and should not say potentially negative and charged off. A hurricane is out of my control, and I have no control over what happened. but these creditors are demolishing me when they have the facts in front of them as well as the Agencies.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this ITEMS. 
XXXX OF XXXX XXXX BALANCED {$140.00} XXXX OF XXXX XXXX BALANCED {$330.00} XXXX XXXX BALANCED {$0.00} XXXX FIN XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MD)

I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (WA)

In XXXX of XX/XX/XXXX I made a purchase utilizating Sezzle 's buy now pay later service. There were issues repaying the loan one-time ( one week after purchasing ) so I returned the goods to the store I purchased them from whom in turn credited Sezzle. As a result, my balance with Sezzle should have been {$0.00} yet they continued to deduct from my checking account. I notified Sezzle of their error but they continued to attempt ACH withdrawals from my account. On XX/XX/year> I sent a cease and desist to Sezzle demanding they immediately stop ACH withdrawals and to this day they have not honored the multiple cease and desist letters I have sent in writing. They stated and I quote " will not honor my cease and desist until I sign their agreement claiming I still owe '' even though I owe them XXXX. I have notifications that they have attempted over XXXX ACH withdrawals from my account since receiving the cease and desist and attempt multiple times a day as recently as yesterday ( XX/XX/year> ).
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Sparrow Financial, Inc. (OH)

i recently applied to them in hopes of rebuilding credit after my XXXX. i applied and everything goes good i upload all XXXX of my docs including my social security paystub etc i mean the whole XXXX yards. and they email me back XXXX days later saying they cant verify my identity. well i kind of feel like thats not what this company was after anyhow with the way everything was planned out and theres tons of review on XXXX describing this with them not responding to anyone what so over.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (CA)

I 'm filing this complaint in regard to my student loan with Navient and the collection agency XXXX. This complaint, steam from having multiple agencies and collecting agencies demanding payment on this student loan. Now, you would think all these agencies would communicate with each other, but they are n't sharing the information of withholding my IRS return. I have found out from requesting a credit report, that this action has a negative reflection on my credit score. I have attempted to explain my situation, within reason to the XXXX credit bureau ; XXXX, XXXX formerly known as XXXX and XXXX XXXX. I have experience in contacting these organizations are very unreasonable and inhumanity. Yes, my student loan is in default from not having mean fully employment, in other words, I have regain employment from alone period of live changing events beyond my control. I ask of you, the Ombudsman Group to assist me with XXXX, ( XXXX ), in reaching some common ground within reason. I thank you all your assist and look forward to hearing from soon. XXXX has my file not Navient trace number : XXXX Acct Number : XXXX XXXX. At this time, XXXX is demanding payment and is threating me with garnishment of my salary. I have forward a request for delay. Once again, I truly thank you. 

Sincerely ; XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I recently challenged a bankruptcy on my credit report and the bureau claimed they investigated the bankruptcy and said it was verified. Its my understanding that the bureau suppose to report complete and accurate information. If they truly investigated Then why are all XXXX XXXX bureaus are reporting different things XXXX is not reporting a bankruptcy at all, Experian is saying I petition for Bankruptcy and XXXX is say the bankruptcy has been discharge also the courts name dont match and other information.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX was owned by my late husband, XXXX XXXX XXXX and me until XX/XX/year>. The company ceased operations and liquidating filings were submitted. Four corporate credit cards were either settled or closed since then. XXXX XXXX was dismissed in a judgement ( attached ), XXXX XXXX had XXXX that were paid out of a settlement, and XXXX XXXX  wrote off the balance and closed. All were used for corporate purchase. 

I am requesting that this delinquent payment reference be removed from my personal credit data.
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I called MOHELA several times to figure out why there was such a discrepancy between what I borrowed and what I have listed as needing to pay- there is a XXXX difference. I have gotten no response. The calls take over XXXX hours at a time, meaning I have to take time off each time. Im losing time and money. Add to it that they can't tell me if any payments came through the public service loan forgiveness program and I'm at a loss. They also did not tell me that Everytime I consolidated that I reset the clock on my payments.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I received an update from Experian and no change has been made. I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated immediately. The inaccurcies are highly injurious to my credit score. ( XXXX XXXX XXXX  Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation. 
I attached my ID, Social Security Card, Proof of Address, and screenshot of account on Experian website. 

Thank you
Consumer complaint received 2024-08-23
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. (TX)

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX  months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I am facing severe financial hardship from fraud on my corporate credit card issued by Citi, which has directly impacted my ability to make timely mortgage payments. 



Here are the details : Fraud Incident : {$40000.00} in fraudulent charges were made on my Citi corporate credit card, which I reported immediately. Citi initiated an investigation with an expected XXXX resolution, later extended to XXXX  days, with no clear timeline on final reimbursement. 
Financial Hardship : This fraudulent activity has maxed out my corporate card, forcing me to pay all my extensive, work-related travel expenses out of pocket. These costs have reached tens of thousands of dollars, leaving me with insufficient cash to cover personal obligations. 
Risk to Employment : I am required to travel extensively for work ; diverting cash to cover my mortgage would make it impossible to fulfill my job requirements. This financial strain from XXXX investigation delay is the sole cause of this missed payment. 
Credit Report Damage : This situation has damaged both my and my spouses credit scores by over XXXX points each. Given our plans to buy a new home next year, this drop in our scores will hinder our ability to secure favorable terms for a loan. 


Considering Citis role in delaying resolution, I respectfully request that Citi should bear responsibility for the consequences of its extended investigation.