davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Personal Info : Also Known As : XXXX, XXXX, A Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (TX)

I keep getting cala from this Penn Credit debt collectors. They first called my husband. While he did not give them my info, they found me eventually. Whenever they call, they either hang up or when they do not, they INSIST on asking me for personal information before proceeding. I have not given any info ( since they ask for address and the like ). The worst is that while the agent on the other end does give a name ( the one that called me today around XXXX was called XXXX ), they just say it is a personal matter and I can not say anything more until you verify your address. The thing is that if Mr. XXXX was an actual debt collector hed be telling me first that this call is an attempt to collect a debt, and any information gathered today will be used for the sole purpose of collecting said debt. However, he does not give said disclaimer.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

In XX/XX/XXXX, I signed up for CareCredit for my XXXX XXXX. The XXXX cost {$3600.00} and the clinic that operates on my XXXX telling me I can apply for CareCredit for XXXX interest-free payment plan. I accepted the offer without knowing that my auto-payment plan was on minimum payment that won't pay off my balance by the end of XXXX months. 

I've always assumed that the balance will be paid off without checking. Until recently XX/XX/XXXX is when I realized that my balance has been slowly increasing each month due to fees and interest since my offer expired. That prompted me to look for ways to resolve this with CareCredit and that is when I found the case in XXXX against CareCredit about the non-transparent practice of such kind of loan XXXX https : XXXX ). 

On my bank statement in XX/XX/XXXX, my balance was {$3200.00}. XX/XX/XXXX became {$4100.00}. And now my most recent statement in XX/XX/XXXX is {$4600.00}. I have not missed any payment, totaling {$2500.00} from XX/XX/XXXX till XX/XX/XXXX. The only reminder I got about the offer expiring was the one line in the email in XX/XX/XXXX with my balance saying the promotion is expiring soon. I contacted CareCredit for a settlement for paying off the loan with a discount but they said my loan is not qualified for the settlement. I felt that CareCredit did not make any effort of helping me decreasing my balance, and it seemed to me they'll happily never let me know I would have never paid off that loan.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX  XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXX IN XX/XX/year> XXXX XXXX IN XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year>
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (MI)

My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.
Consumer complaint received 2021-02-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC. (FL)

I spoke with them regarding the incorrect information on my credit report on XXXX at around XXXX I was told by XXXX XXXX that due to the incorrect information that they had on file that I should dispute the reporting of XXXX late payments
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

Vehicle was involved in a Collison on or around XX/XX/2016. Car was covered under insurance ( XXXX ) through XX/XX/2016. Upon demand for payment by Hyundai Motor Finance ( HMF ) to XXXX in the amount of {$12000.00}, XXXX paid exact amount as requested by HMF to HMF. Check # XXXX ( {$12000.00} ). Car was fully covered by insurance, payment made ( and cleared, receipt sent to consumer ) in the amount requested by finance company, therefore nothing is owed. There is no bad debt, collections, or charge off ; account paid in FULL. 

HMF and/or credit reporting agencies refuse to remove item from credit report as " HMF states the report is correct. '' This is deliberate and fraudulently reporting false info to credit agencies despite providing proof of payment from XXXX to HMF. 

**Do you research and stay far away from HMF. This is a " thing '' apparently**
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

This problem is related to Wells Fargo Bank automatically opening a escrow account relating to Taxes on my home without my permission. This move that Wells Fargo bank has taken will effect my payments on my monthly mortgage by more then XXXX XXXX dollars. I am on a fixed income, and my social security paid for my home mortgage every month. I have not miss a payment on my home in sixteen years, but this increase will cause me to have to re-think my mortgage payments. Wells Fargo Bank did something that they should not have done. They paid the second half of my taxes on my home without my permission. I receive a notification from them that I was late on my taxes, but this is not the first time that I have been late on my tax payments. I have been late several time before in the last sixteen years, and Wells Fargo Bank has NEVER step in and taken this type of move before. Wells Fargo Bank taking this matter into their own hands has occurred, because I have been discriminated against by my Home Owner Association ( XXXX XXXX XXXX, XXXX ), and they had force me to obtain an attorney to fight against them taking my home. Well Fargo Bank was contacted by my attorney ( XXXX XXXX XXXX ), and informed of the discrimination that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX had file against me and my home. Wells Fargo Bank and their attorneys knew of the situation through my attorneys. This is one of the reason why I was late with my tax payment. I went in XXXX XXXX and paid half of my taxes, and I was hoping that I would be able to pay the other half from my past due income taxes with my Federal Tax return, but because of the Covid-19 viruses their seem to be a delay in receiving my Refunds, so, this is another reason why I have been late with the second half of my property taxes, along with the pandemic affecting my ability to bring additional income to help resolve this issue, but I knew before the year ( 2021 ) would end. I would pay all the taxes that I owe, along with any late fees. This should be without saying that this is most difficult couple years that this country ( The United Of America ) has ever experience. I am XXXX years young, and I can not remember anything more difficult then what we have been through, as, a country, and to ask a Banking Institution to find a way to work with their mortgage lenders is not much to ask. I have contacted Wells Fargo bank, and informed them of the actions that they have taken has not HELP my situation. I did not need for them to intercede in my tax matter. Just like they didn't have to intercede when I was being discriminate by my homeowner association, but being that I have been discriminate against most of my life. I am NOT surprise when an unexpected situation come from NO where. I need for them to reconsider this escrow account, and leave my mortgage payment as is!!
Consumer complaint received 2021-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (OH)

Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (KS)

My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX  I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate with your financial institution. 
I went to the branch at XXXX XXXX XXXX, XXXX, KS XXXX on Monday XX/XX/XXXX and the representative said they will file an investigation for me, but I had to call in myself to file the investigation. I am in a dire need of the money to pay my bills, and this is unacceptable to have to wait that long without being able to have access to my money due to a machine error that Commerce bank is responsible for
Consumer complaint received 2021-08-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I fell behind almost 5 years ago after having high risk major XXXX  XXXX that forced me to take off from work for weeks. My job did not pay me for any of my time off so I had absolutely no income at this time which is why I fell behind. At the time I couldn't imagine losing my home so I tried multiple times to modify the loan so that I could catch up and start making payments but I could never get them to approve the loan modification so I finally gave up and moved out of the house in fear that they would foreclose it and I would be out on the streets. Even after the failed loan modification attempts, Wells Fargo has continued to send endless sheets of paperwork offering me to apply for another loan modification, short sale, or a deed in lieu until as recently as 2 months ago. I am now in the process of trying to do a short sale with them and I have sent every single document that they have required of me and now they refuse to allow me the time to get through it. I sent in everything over two weeks ago, including an offer from a willing buyer and they still have a foreclosure auction scheduled for Tuesday XX/XX/XXXX. It's like they've set me up to fail ever since I seemed to have inconvenienced them with my health problems. I can not afford a foreclosure right now because I've worked so hard these past 5 years to rebuild my credit ever since I was out of work and this would kill my credit. I just need an additional 60-90 days to get this thing closed, can someone please reach out to assist me?
Consumer complaint received 2022-08-08
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. (TX)

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized Equifax to furnish anything on my credit report I contacted Equifax and have disputes these inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
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: Choice Recovery, Inc. (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i. This is ruining my livelihood and ability to apply to certain jobs and have credit extended to me.
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CO)

In 2006 I went to The Illinois XXXX XXXX XXXX for 3 years. I went on a short break and when I came back they said my XXXX XXXX was no longer offered and that I could go for an XXXX XXXX instead. I couldnt even finish my 1 year left and still pay XXXX each month since I was XXXX. XXXX XXXX with XXXX kids now under XXXX still paying without any possibility of getting my degree finished. They wouldnt even take all my credits!
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Consumer complaint received 2022-08-08
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. (IL)

I called Equifax to remove all false and fraudulently placed accounts and inquiries on my consumer report. Equifax assumed this role and did not exercise their grave responsibility, they where unfair, partial, and did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish or create this report and I never gave consent to this report.
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate accounts I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX. XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

In the past and before I become a permanent resident in US, I was told by PayPal to create a specific account dedicated to the US transactions, payments and credit cards. I therefore created this separated account as directed by the PayPal Support and while I was updating my mobile phone data, address, banking details etc. I received yesterday a messages saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' There is neither an offered way to dispute the decision nor there is any transparent explanation justifying such decision. My account is new, there is no transaction and as such the criteria for such decision are only based on personal information and/or other data collected through credit card emitters and their XXXX. This very adverse decision represent an real unfair eviction, and privation of access to a mainstream payment facility as PayPal is widely used at many online vendors but also more and more physical point of sales. In addition, not disclosing the reason of such decision forbid resolving errors or data misinterpretations in systems leading to unfair treatment.