davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MA)

As a private citizen I was caught up in the extensive recession as millions of other American citizens were. I eventually paid off all of my debt after obtaining another job. XXXX XXXX XXXX shows a balance of {$150.00} on my account that they initially charged off for {$1200.00}. However, once XXXX XXXX XXXX accepted my payment that standard of the debt can no longer be that of a " Charge Off ''. This is the guideline under FDIC Rule 5000. Now if XXXX XXXX XXXX is owed a balance, I request an updated statement or invoice. I will pay the balance immediately. Upon that time of payment, I demand that the Rule 5000 interpretation apply and that all references to " Charge Off '' be eliminated, and that the timeline for deletion be narrowed to the 7-year period of the account 's first late payment. XXXX XXXX XXXX is essentially holding my credit report hostage for a simple payment of {$150.00}. Once the balance is paid, the " Charge Off '' standard has been eliminated legally and permanently.
Consumer complaint received 2023-05-02
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. (NC)

I have tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXXXXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.
Consumer complaint received 2023-05-02
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. (DE)

XXXX XXXX  XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX  XXXX. They did not provide me with the original application I requested. 

XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX. They did not provide me with the original application I requested.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (TX)

I am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

To Whom It May Concern, On XX/XX/XXXX, XXXX XXXX   switched their back office company from Loan Care LLC to XXXX XXXX XXXX XXXX. My mortgage was being paid bi-monthly through XXXX XXXX XXXX was supposed to cancel their payments to Loan Care ( they did forward XX/XX/XXXXand XX/XX/XXXX payments to XXXX. ) I established a new XXXX XXXX to XXXX XXXX. XXXX never canceled the first account. I noticed the double payments in about XX/XX/XXXX or XX/XX/XXXX. I started calling XXXX, Loan Care and XXXX trying to locate the excess money. All three companies denied having my money and XXXX  denied withdrawing it. I called my Financial company XXXX XXXX   and they told me I had to stop the company making the withdrawals. I was stuck fighting 4 large financial institutions who were not helping me. I eventually got XXXX  to stop the withdrawals ( I lied and claimed fraud. ) I finally spoke to a helpful gentleman at XXXX and he sent me printouts showing XXXX   forwarding payments to Loan Care. On XX/XX/XXXXI sent a registered letter to them ( received XX/XX/XXXX ) explaining the situation and showing the proof from XXXX. I asked for them to either return the money ( now {$23000.00} ) to me or show me proof of the money being forwarded to XXXX XXXX.

OnXX/XX/XXXX, I spoke to XXXX  (? ) who told me they never received the letter despite my proof from the Post office. I sent the letter, XXXX   printout and proof of delivery by email and I received a response email confirming receipt and issuing a ticket number XXXX. I again waited for a response.

OnXX/XX/XXXX I received an email requesting proof from XXXX XXXX This is despite the fact that I sent that info registered mail XX/XX/XXXX and emailed it again on XX/XX/XXXX with a confirmation email receipt. I sent it again and awaited a response.

On or around XX/XX/XXXX, I spoke to XXXX who seemed sympathetic and claimed to be working with a manager. I begged her to call me by XX/XX/XXXX and at least give me an update if not the answer. Of course she hasn't called me back yet.

On XX/XX/XXXX, I spoke to XXXX XXXX   who claimed to be a supervisor. Again, I begged her to call me by XX/XX/XXXX to at least give me an update and keep me in the loop. She never called even when I left messages on her personal number.

On XX/XX/XXXX I sent a letter to the CEO XXXX XXXX  overnight which was received XX/XX/XXXX. Again I begged him to please have someone contact me before I took regulatory as well as legal action. To this date, which is almost 5 months later, no one has responded to my issues. My understanding was they had 30 days to respond.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2018-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

My PayPal account got hacked and my bank had to close out my account. However PayPal continued to charge my account and even took money out of another PayPal that I had to create that was not linked to my bank account. They are also stating I still owe them a balance even though the police and my bank had stated that I was in fact not at fault. I would really like to get PayPal to refund the money to me that they stole.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

The problem that I am experiencing is that I am unable to apply an economic hardship or forbearance option without first paying {$50.00} up front to Navient, the current loan servicer. This flies in the face of what the forbearance or deferment is supposed to offer which is temporary payment relief. My current payment is ~ {$70.00} per month so I am actually paying Navient back, almost, for at least one month of the forbearance or deferment. This practice does not seem to be in the interest of the consumer but rather an opportunity to exploit a hardship, especially for those whose monthly payments exceed the up front payment amount, making this almost a ransom for use of deferment or forbearance. I may be wrong here as none of my government loans or other private loan holders impose this fee. Any information or investigation into this matter would be greatly appreciated.
Consumer complaint received 2018-04-30
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: Clarity Services (MS)

My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called XXXX XXXX XXXX for an alleged payday loan. I have never had a payday loan from any company yet Clarity stated that it had been verified without providing any tangible and legal proof. My contact at Clarity is a lady named XXXX and her number is XXXX.
Consumer complaint received 2023-05-02
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. (CA)

On XX/XX/XXXX, Equifax sent me an email stating that they needed me to furtherprove that I was a part of their data breach. They told me that in order for me to be approved for the data breach, I needed to provide all of my email addresses as well as all of the names I've used. 
I am a victim of identity theft as a result of this data breach, and I qualified for the data breach settlement on THEIR website. 
I spent months researching and gathering all the proofthat I should not have to do, but this data broker company is putting me and others through unnecessary work, expense, and stress. 
I already mailed Equifax over ten pounds of paperwork in a 4-inch Binder with tons of proof the first time around, and now this company is interrogating and putting me through the mill. I've heard that this is happening to a large number of people who have filed for their settlement money. 
Equifax appears to be hoping that people will not do all of the work a second time. Furthermore, they are only giving people a month to comply before rejecting their claims, which is deceptive and abusive to people who have already been victimized and compromised by Equifax. 
Plus, Equifax isover the 15 and 30 days that I was supposed to hear back on this claim, all I heard was " give me more proof or all that work you did was for nothing. '' An affidavit of truth is provided below. 
I had to write and have it notarized, as well as upload everything I'm sending to you to Equifax ; they did the same thing to my son, so it was double the headache, hassle, and worry. These companies used AI to generate a generic response to both of us, with the only difference being our names and Case Numbers. 
This is completely unacceptable and unnecessary behavior on their part. This is done on purpose in order to keep all of the money and not disburse the settlement. 
My Affidavit is in the attachments and i will upload everything I had to mail to the request return receipt again.
Consumer complaint received 2023-05-02
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-04
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AL)

I received a bill from XXXX XXXX this week for XXXX. Last month I received a bill for XXXX and a late fee of XXXX. I paid the XXXX original charge. THis month I got a bill for the late fee with an additional late fee on top of the late fee. They did waive the second late fee but if this is there regular practice, then they have a problem. First XXXX late fee on a XXXX charge is ridiculous but to charge a late fee on top of a late fee and their rep says it because there is an outstanding balance. This needs to be investigated. If they did this to me, a knowledgeable consumer, how many more have they done this to.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I have been going through the process of getting on a rate reduction plan with Navient since XX/XX/XXXX. When I called then, knowing my plan was up in XXXX, they told me their computers would not allow them to process anything that far in advance and told me I had no options at that time aside for to wait it out. When I called back in XXXX, I submitted a financial statement and was told that, based on that, I would be able to keep my payments around {$1000.00} a month. I was told to call back at the end of XXXX/beginning of  XXXX to officially process the plan. 

I called back in XXXX and began the process. I was told, that there was no way for me to keep my current rate and it would, without a doubt go up. Well, they processed my request and suggested a {$1100.00} payment, but said it would be a couple of weeks until it was officially approved or denied. They also informed me that these new plans didnt last a year anymore, but only 6 months so I would need to go through this again. 
During this time they acquired a loan of mine from XXXX. When it was acquired I was in the process of a rate reduction plan with XXXX so I called navient to ask about a plan and was told at no time, under any circumstances could my rate be changed. I asked for my promissary note to be sent and they said they would. Two weeks later I got a letter in the mail stating they didnt have this document available yet for me and would try to provide it soon. 

Well, shortly after, my initial claim came back denied because they said I needed to have my cosigner provide a financial statement ( even though I was told in XXXX that wasnt necessary since he is retired and has been for at least 15 years so his statement hasnt changed from the previous year when I applied ). I had him call and provide the information. During that time, the amount they approved me for was charged to my account and I paid two cycles for the XXXX   loan. All the while, my account showed delinquent. I called expressing concern and was told not to worry, it just hasnt been updated yet, everything should go through just fine, it just takes time. 
I was contacted today, after nearly 5 months of communication and told again, it was denied. They said they could approve me at around {$1200.00} a month, but only if I double the terms of my XXXX loan to 300 months ( which would only bring my payments down about {$30.00} a month ). That would make my total monthly payments set at around {$1500.00} a month, but, with extending those XXXX terms, I would end up paying a ridiculous amount more. I asked if I could keep the XXXX loan as is, paying more each month, and was told the rest of the plan wouldnt be approved. I asked how it was so dramatically different each time I spoke to someone and unfortunatly the phone call was dropped before I could speak to a supervisor. I called back, asked to speak to the same person and was told they went on break.
Consumer complaint received 2023-05-02
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. (GA)

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This is now the SECOND time I've had to file this complaint, the last one being in XXXX, 2022, so not even six months ago. I am getting an email in the middle of the night stating I have opted out of Early Pay with the Huntington Checking Account. This did not occur this time, nor did it occur the first time. Huntington has denied they sent the email, however the return address is in fact to Huntington. I tried the first time to speak to Huntington and they were unable to assist me, therefore I did not reach out to them this second time. It is pretty obvious there is an issue on their side since this issue keeps reoccurring. I want this rectified for good as this is quite the hassle. If this was the first time, it would be one thing, but again, this JUST HAPPENED, THE SAME EXACT THING IN XXXX, 2022.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TX)

On XX/XX/2023, I made an online XXXX purchase. The amount authorized and deducted from my account was {$17.00}. 

On XX/XX/2023, the above transaction was updated to {$16.00} and also deducted from my account. 

CASHAPP did not make an adjustment.

CASHAPP never reversed the {$17.00} either or deducted {$.00} to true-up the total amount of the transaction.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TX)

Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close it ...
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (TX)

XX/XX/XXXX 


Dear Ford Credit Motors, Based on your letter received, dated XX/XX/XXXX. I hereby agree to the resolution reached and request to utilize the requested opportunity. 

I hereby request and direct Ford Credit to remove all negative notification on my credit report including the word dispute and unverifiable late payments indication. 

This letter serves as a formal writing as indicated on the letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
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: Resurgent Capital Services L.P. (FL)

To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with XXXX while it reports as a closed collection with the other bureaus. Also my XXXX report shows no collections but has this account listed under revolving accounts.