davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (WY)

I found some old medical debt that I was unaware of on my credit report, I reached out to the company to set up a payment plan. When I called I had them give me the contact information they had on file ; I informed the lady on the phone that I was completely unfamiliar with the address they had on file and it certainly was not the address the medical office had on file at the time of service. I updated their contact information to include my legal last name, my current address and current employment ; then I proceeded to try to set up a payment plan that I could afford as I really do want this situation rectified. My payment plan offer was refused and the call was ended. I called back a couple days later the next woman I spoke to mailed me a copy of the debt and hung up. I made several calls to them over the next few weeks, I left many messages as I could not get through to an actual person and none of my calls were not returned.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX   XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On approximately XXXX XXXX I called XXXX XXXX bank regarding a balance showing on my credit report with two of my cards that had been paid off since XXXX XXXX. Upon speaking with a representative I was informed that the payments made on my accounts wouldn't update to my credit report until XX/XX/XXXX and XX/XX/XXXX. I explained that I had submitted a dispute through the credit bureau to update my report with current payment information and that XXXX XXXX had reported back to Equifax that the information reported was correct when it was not. The representative went on to explain that the information would update on the corresponding days above and again I insisted that they lied to the bureau by stating that the balance reported was the balance on the card when it wasn't and had been paid off. After going back and forth I asked for a supervisor. After speaking with the supervisor he apologized for the misunderstanding and explained that it was a different department that handled that and I would need to call back on Monday as this was a Saturday. So as time went on I forgot to call back as I was working 11 days straight. So on this morning XX/XX/XXXX I checked my Equifax report and once again the balance showing is incorrect. I will say that this balance is showing only on my Equifax report. So this could very well be Equifax posting incorrect information. Either way I need it fix as it is affecting my credit score.
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC. (NY)

I build up a staggering debt both on private and federal loans pursing a XXXX at an XXXX University school XXXX. Unfortunately many things happened in my life and I could not pursue XXXX resulting in the default of the loans with XXXX and XXXXl loan companies. I can not afford to pay on any of the loans with my part time XXXX as an XXXX. The loans are in default and they are suing me in both civil and supreme court in XXXX New York.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (PA)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] LISTED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am currently experiencing difficulty with obtaining a lien release and supporting documentation on a home equity mortgage loan that originated in XX/XX/XXXX and I had paid off XX/XX/XXXX that was held with HSBC Bank. I was made aware of the issue of the lien not being removed from my deed during a current refinancing process with another financial institution. I have been attempting to resolve this issue with HSBC since XX/XX/XXXX. After great difficulty in finding a working contact number for HSBC, I ended up with HSBC mortgage Service Company who have absolutely done nothing to address the issue. The process was started with an email which returns a form to fill your information in and send, that generates no response or acknowledgement. After multiple calls in conjunction with efforts on my behalf by the current lender and underwriter, I still have not received a response or resolution. The responses are always the same " I have escalated the request, the volume of requests is massive, We ca n't locate the information ( even though I have provided the actual title search for them, including deed & liber information ), even after finally being directed to a " supervisor '' the response is the same, stall and claim they will look into it and escalate it. At this point I feel HSBC and the service company, Mortgage Service, are simply not going to do anything about this. In the meantime I am suffering financial harm as I have lost the low interest rate with the expiration of the commitment and associated specials with the application ( no fees, etc. ). The current lender I am working with has indicated that I am not the only individual in this situation with HSBC and my own research has found thousands of reviews describing similar problems or worse. 
I guess my next step in this process will be engaging legal council if I can afford it, in an effort to resolve this. 

If nothing else, I feel that this situation is unacceptable and warrants consideration of potential legislation to protect consumers from negligent banking practices that un-wittingly harm the consumer. 
I greatly appreciate anything you or your office could do to facilitate an acceptable resolution not only for me, but the other consumers dealing with the same problems.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX  without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Consumer complaint received 2024-10-14
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. (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (PA)

hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I contacted Macy 's American Express in XX/XX/2023 after receiving a letter from them dated XX/XX/2023 saying they believed there was suspicious activity in my account. And, also after receiving a bill from Macy 's American Express for charges that were not mine. 
The charges added up to {$1700.00}, were made during the period of XX/XX/2023 to XX/XX/2023 and the charges were made at Macy 's as well as other random places ( including other cities and states I haven't been to ). There are too many charges to write them all here ( 22 to be exact ). 
I contacted Macy 's several times and ended up closing my account. 
Two days ago, I received a letter from them dated XX/XX/XXXX with the results of the dispute saying they had determined I was responsible for the charges. 
I do have proof that I was not anywhere near those cities where the charges were made. I work from home and I'm sure I can have my IT person get my IP address of where I was on those days. Plus, I have been a Macy 's customer for over 20 years and I NEVER purchased anything outside of Macy 's with my Macy 's American Express. I have several other credit cards I use for personal and other expenses. This card was just for Macy 's purchases and I have not used it for over a year. 
As I write, I am on the phone with another Macy 's representative explaining the same thing and he seems to be quite helpful ; however, my credit is still being affected and I would like this resolved asap. We finalized the call and he said the representative who I initiated the dispute with made a mistake and processed as a Fraud application. That he was going to reverse the charges and take them out of my account. But that it would take approximately 3 additional months to clear. I really hope that it's resolved. He was very kind and helpful but the other representative needs to know that she made a HUGE misktake.This was very stressful to me. I take extra care to protect my credit. 
Again, THESE CHARGES ARE NOT MINE. I NEVER MADE OR AUTHORIZED THESE PURCHASES and I NEVER GAVE MY CARD INFORMATION FOR ANYONE TO USE. 
Thank you.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (FL)

In XX/XX/2021 I changed my car continuing with a new lease. I have not been late with my monthly car payment. The only thing I asked the financier to change the payment date after the first 15 days of each month due to the economic crisis caused by Covid. The financial company did not make the change and they began to unfairly charge a fee for late payments and I have made them every month without letting me put together two months. Second, my husband XXXX XXXX also drives this car and he has a XXXX pass from the motor vehicle office. He spent several weeks parking this car in a public street post managed by the city and they issued fines. My husband XXXX XXXX went to the XXXX city office and started a claim because people who put this pass on the front window don't have to pay to park. Suddenly my balance increased and it was because this financier paid the fines without consulting me without waiting for the claim to end in the city of XXXX and they would remove the fines. So my balance is high because they paid the fines without notice and the late fee for alleged late payments.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed this with all XXXX agencies and requested the documentation used to verify this is my account. I have requested the name address that they used to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. I have requested the name, address, phone number of who they verified this account with and they have ignored XXXX of my previous requests for a description of the investigation procedure. I have contact the number they have provided with no other information and spoke to the agency they have listed and was advised that they have not verified any account because they do not verify accounts or records they hold.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (NY)

I mailed Regional Acceptance XXXX letters in regards to XXXX XXXX selling me a XXXX  XXXX XXXX on a loan contract with Regional Acceptance and after doing my investigation the car had roll back mileage before it was sold to me which is not allowed to be sold in the state of XXXX I signed a XXXX at XXXX XXXX saying the car was clean title when I purchased the vehicle.. I also wrote this same letter to the XXXX  XXXX XXXX XXXX ... the dealership is no longer around due to the derogatory business they were into. I have contacted Regional XXXX 3 times XXXX mail with no response to me on account number XXXX ...
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This loan from XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX was taken out on an original title and also a car title loan. Which places a memorandum title under my name in the license bureau and occured wrong for a tow and repossession about the possession of the car. The tow place XXXX XXXX XXXX towed it and the lien holder picked up which to my understanding was the lien holder who's name was in the memorandum title with my name also on there as the owner bought for about XXXX but the auto loan was XXXX at the car lot in the contract. I have lost my contract and the memorandum title the date of purchase was XX/XX/. And I do not have possession of the vehicle. Because it was towed and is now in the lien holders possession in XXXX Ohio credit acceptance is in Michigan. For some reason I was not contacted about the repossession of the vehicle or the tow. So what was weird is that they picked up from the tow yard and has the lien holder doing so. But the repossession was supposed to go to XXXX XXXX I denie both the purchase and the memorandum title for only having put a down payment down. The repossession took place only because of one missed payment. Harassment came from the county court. And I don't know what happened but they took a driver 's license completely off the record before it was supposed to expire. I haven't heard anything about the car the loan or the reason my driver 's license was replaced plus someone is in possession of it the XXXX loan seemed like a car title loan scam. And plus identity theft because they would have to replace tags and they have been in title places taking off cars with original titles and it repeats about a XXXX XXXXXXXX I had like that could have been my fault on all three. They have wipes out my county record and no record of the spark so it seems wired about the loan from XXXX Ohio where I bought the car from. An extension of picking the car up went under I understand partly it's paid for but the title loan isn't from credit acceptance. There is civil claim attached to this I lost for my payments back for being in the middle of this loan on a car already bought.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (IA)

Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance