davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to request your assistance with a matter that has significantly impacted my financial standing and credit due to circumstances surrounding the COVID-19 pandemic. In XX/XX/XXXXXXXX I signed a lease renewal at XXXX XXXX XXXX in XXXX, AR, while attending XXXX XXXX XXXX and residing in XXXX XXXX. At the time, I had no way of knowing that the world would soon face a global health crisis. 

When the pandemic hit in XX/XX/XXXX, our university moved to online instruction. In response, I made the difficult decision to move back home to protect my family, as both my mother and sister have XXXX, a XXXX XXXX XXXXXXXX. I also carry the XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I continued paying rent for the remainder of the XXXX lease, despite no longer living in the apartment. 

However, I decided not to sign or pay for the new lease due to the ongoing health risks and uncertainty surrounding the pandemic. I communicated these concerns with the apartment management, hoping they would show flexibility given the unprecedented situation. Unfortunately, they did not make any concessions, and an eviction was filed against me for the new lease period, resulting in a large balance that remains on my credit report. 

This eviction has had a severe financial impact on me, and more importantly, it has left a lasting stain on my credit report that hinders my ability to secure housing and other essential services. I believe this eviction does not fairly reflect my circumstances, as it was caused by a global crisis beyond my control. 

I kindly request your offices help in advocating for the removal or resolution of this eviction from my credit report. As a responsible tenant and student, I made these decisions to protect my familys health during a once-in-a-lifetime pandemic, and I hope this can be understood and considered. 

While I understand that eviction proceedings and credit reporting practices may not fall directly under your jurisdiction, I am appealing to your office for guidance, intervention, or mediation to resolve this matter equitably. 

Thank you for your time and consideration. I would be grateful for any assistance or advice your office can offer in helping me restore my credit and move forward from the challenges of the pandemic.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

I signed up for the credit card through a promotional period where if you purchase things over {$1000.00} you get 12 months 0 % interest financing. The deal also had a 5 % credit back on all amazon purchases. I purchased a laptop for around {$13000.00} which would have built up interest that would be charged to me if I did n't pay it back by 12 months. Since the 5 % credit is nice for purchases made off Amazon, I purchased a few things and then submitted payments to cover them thinking they would be applied to the purchases I made that would have immediate interest charged. I was wrong, the payments I made were applied to the promotional balance instead, so the credit card company was then charging me interest for the purchases I made to receive the 5 % credit. 

When I noticed this I called them directly and asked a customer representative about this and to see why the payments were not being applied to the purchases that would charge me immediate interest. He said all payments go towards the promotional purchase before I can pay the immediate interest payments. I asked him if there was any option to make payments for the immediate interest and he told me no. Very upset, I go on the website and make a big payment and then browse around on it for a little while, but I noticed that their was a section showing that you can choose where to allocate the payments .... This is severely wrong, the customer representative lied to me, told me there were no other options, making me think that I would have to be paying interest until I paid off my laptop. I also feel wronged that the allocated payments were not directed towards the immediate interest payments rather than the deferred interest. 

It is tough to have time to read every single pamphlet/notice credit card companies give you and when employees lie to you about the payment policies that is very shady and the employee should be punished for such a thing. This is one of the reasons american 's are finding themselves in debt. 

On top of that their website is ridiculous and incredibly hard to log on too. They have crazy strict password restrictions, I swear it seems like they do n't want you to be on top of your finances.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAVALRY INVESTMENTS, LLC (GA)

XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Equifax was hacked in XXXX 2017 and waited for 5 weeks to let those affected know they were at risk. I am now susceptible to credit fraud because of their negligence.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XXXX XXXX, 2017 Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2016-04-02
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: FIRST HERITAGE CREDIT LLC (TN)

First hertiage Credit is worst company to due bussiness with..My loan be current and they be calling my phone back to back and it do n't even be near 30 days late..My fiance has a loan with them also and he will pay my bill sumtime and they be telling him what I owe and to pay more ... And threatened me to report to the credit bureau and my loan was n't even late ... I will never do business with them again.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (CA)

On XX/XX/year>. I submitted a notice of dispute through the consumer reporting agencies because I was unaware of your collection agency or the collection account being furnished on my consumer report by your company. On, XXXX XXXX I received a response from my dispute Via XXXX with updates to the balance & past due amount but no change to the DISPUTED INFORMATION which was I was completely unaware of this collection account and your collection company.

Im disputing under the FDCPA because you failed to follow the proper procedures required under the FDCPA in order to legally collect on this alleged debt, I never received any initial communication from your company or my notice of debt contents in writing that was supposed to be provided to me which gives me 30 days to dispute the validity of the debt or any portion thereof before furnishing this collection on my consumer report Your company never gave me my right to dispute this debt before putting it on my credit report, which is a violation of section 809 of the FDCPA. If you believe your company did provide initial communication and send me this notice of debt contents. Im demanding receipt of notice ( proof of delivery ) of this statement pursuant to section 809 ( a ) ( 3 ) PRIOR TO the completion of this XXXX investigation. Please send proof to my address listed above. 





Additionally, your failed efforts to conduct a proper investigation to the disputed information with respect to the relevant information provided by the consumer also puts you in violation of FCRA. 







Let me be crystal clear I am NOT Requesting validation of debt. I am DEMANDING compliance of the FDCPA because you failed to provide me with a validation of debt letter PRIOR TOO furnishing this negative information on my consumer report.

I am demanding immediate deletion of all Collection accounts that you furnished on my credit report without properly validating them I will give you 30 days from the day you receive this letter to be in compliance. 



Please see supporting documentation as it is a copy of my investigation results, I received from XXXX of your company verifying my disputed information as accurate and a copy of my credit report with the non-compliant accounts highlighted
Consumer complaint received 2017-09-08
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. (MD)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (TX)

1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CT)

Despite learning of the massive personal data breach in XX/XX/XXXX, Equifax failed to notify the general public until this week. Using the website Equifax set up with respect to this matter, I confirmed that my personal data may have been compromised as part of this breach. As a credit monitoring service and credit reporting agency, Equifax has a fiduciary duty to protect our personal and financial data, a duty which it clearly failed to fulfill. 

From XX/XX/XXXX to XX/XX/XXXX, I subscribed to a credit monitoring service offered by Equifax. Per the billing history reflected in my Equifax account online, the total fees I paid to Equifax during that time frame were {$1100.00}. 

I have already contacted Equifax by social media channels and via their customer service portal on its website but have not yet received a response to either.
Consumer complaint received 2017-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

I wired money to XXXX. Through western union at XXXX XXXX XXXX branch. Date : X/XX/2017 XXXX $ Receiver never got the money after three days of phone calls and long hours on the phone. Very tiring process I finally demanded a refund for my money. They are demanding me to provide the ID of the receiver. How is that possible? The receiver is on overseas and why I need to provide an ID. I told them I will provide my ID as I am the sender and the money belongs to me. This smells scam in order to steal my money. 16 days passed no refund yet
Consumer complaint received 2016-06-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been a Bank of America customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had " made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds " if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

My payment was do on XX/XX/2017 I had previously setup a payment to be collected on the XX/XX/XXXX in which I transferred the money from one account so I could pay on line or over the phone which I did at which time the following morning I noticed they pulled twice from my account causing XXXX insufficient cash charges on my account for XXXX 's furniture represented by Wells Fargo retail services who went on to with draw another payment on the XXXX of the same month after speaking with them they said theirs nothing they can do both my XXXX an also my teachers federal credit union accounts have been affected
Consumer complaint received 2017-09-08
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. (KY)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (WA)

Company : Equifax Equifax mishandled my information, which puts me and countless other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2016-04-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (RI)

My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.
Consumer complaint received 2017-09-08
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. (CO)

They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.