davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
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. (TX)

IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (NY)

I originally received a call from this company attempting to collect a debt. I offered a settlement without doing any research on the account because I recognized it. They denied the first settlement offer, I then tripled the settlement offer and still they refused. So I did some research and disputed the account with the 3 credit bureaus. They all removed the account from my report on the grounds that it was too old to be collected on. 
I called this company and notified them of the finding by the credit bureau and asked for them to XXXX out the balance and close the account, they refused. I then asked not to be contacted any more. They continue to contact me on a weekly basis. This morning I awoke to an alert on my credit report, they have since reported the same debt removed from a dispute again and continue to call me. 

Please help me, these people are harassing me and ruining my credit that I have been trying so hard to fix.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

This company informed me that they do not have this debt for {$400.00}, and they have asked the credit reporting agency to remove the information as it was not mines to begin with, However its still reporting ; I need CBE GROUP to submit another notification to the credit bureaus to remove the account
Consumer complaint received 2018-02-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (CA)

I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NY)

On XX/XX/year> my wife mailed a check to XXXX  XXXX XXXX XXXX  for {$1900.00}. We received an assessment notice for demand of XXXX  due dated XX/XX/year>. Upon review of our account online, we saw the check had been manually altered with a person 's name written above XXXX XXXX XXXX XXXX on the 'pay to ' with information on the memo line scribbled out. The same person 's name was the endorsement on the back of the check and XXXX  Mobile  deposit was also printed with account and transaction numbers. We notified our bank of this check fraud and instead of coming to our aid, they required us to provide documentation that we had a tax bill to pay, suggesting that we were somehow involved in the scheme! We have reluctantly supplied the information requested, but I fail to see how that solves the larger problem of how did this check clear through our account? Does this mean there are no safeguards in place for mobile deposits made by fraudsters bank-to-bank? If this check were presented to a teller I would not be dealing with this now.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (NY)

On XX/XX/2018, XXXX, someone called me on my cell phone whose name I couldn't catch. At first there was silence even though I said hello three times ; so I remained on the line without saying anything, then a female rapidly gave me her name and the name of her company, which I didn't catch, and asked me if I was -- -- -- -- --. At first, because there was so much chatter in the background as though it was a call center, I hesitated with my name confirmation and asked what the call was concerning. She said she couldn't tell me unless I confirmed that it was me. So I said " YOU called me and I am XXXX XXXX. So what is this about? '' She repeated she had to confirm that it was me, and in that moment I realized she was looking for personal information which I was not going to give over the phone ; so I told her that I wasn't going to give any more information so she could hang up. She said she couldn't do that, so I said " Well, I can. '' and hung up. 

About 5 minutes later, not knowing exactly WHO called me, I dialed XXXX to get more information regarding the identity and legitimacy of the company. A connection was made and immediately a recording informed me that the conversation would be recorded. Again, though the female which answered was different in voice, she was the same in manner and spoke rapidly asking if I was -- -- -- -- -- -. This time I sought a different approach and answered immediately that I was he and I informed her that someone called me 5 minutes ago and I inquired why. Again, she asked me if I was -- -- -- -- -- - and I said " I already said that I was. '' She said I can't tell you without confirmation ; yet she had also said that my number ( cell phone number ) had " come across her desk ''. So to me, my cell phone number is my identifying number and the number came up when I returned the call. Around in circles, so I told her that's okay and that I was hanging up but I will report her number to the proper authorities. She said fine and I hung up. When I got home a few hours later, I looked up the telephone number which led me to numerous complaints against XXXX XXXX XXXX. These are some examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called and spoke with TransUnion Friday and told them I must have been a victim of the inquiry issue they had I have over 70 unknown inquiries on my report and they would not remove them
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am a teacher trying to qualify for Public Service Loan Forgiveness. XXXX XXXX promised to me on or about XX/XX/XXXX that by participating in the graduated payment plan, which ultimately required me to pay more money per month, that I would achieve loan forgiveness no later than XX/XX/XXXX. Additionally, XXXX XXXX  placed a deferment on my loans when I did not request a deferment orally or in writing. Subsequent to that discussion, my loan servicing company, XXXX XXXX, was replaced with XXXX. Once XXXX took over the servicing obligations, I was told that XXXX XXXX gave incorrect advice and that XXXX would not honor the agreement entered into by XXXX XXXX, to wit : that by entering into the graduated payment plan, and paying more money per month than I would have otherwise, I would receive loan forgiveness by XX/XX/XXXX. 
Due to XXXX XXXX dishonesty and misleading conduct, and due to XXXX refusal to honor an agreement made regarding my loan, I have suffered the following harm : 1. I was deceived and coerced into making a higher monthly payment than I would have otherwise been required to make ; and 2. My loan forgiveness date was extended by at least 5 years, which means I am now making a higher monthly payment for a longer period of time ; and 3. I have had to seek the advice of counsel to address this issue, which has caused me to incur out of pocket expenses that but for the deceitful conduct of XXXX XXXX and XXXX, I would not have occurred. 

In short, I have made 120 payments that should have been qualifying, and I am now being told that half of my payments did not count for various reasons. Whenever I speak with XXXX customer service, they tell me that I am correct, and they do not know why I am not getting credit for most of the payments, but they are still not correcting the issue. They are now telling me that it takes up to a year to investigate these problems, when I should already have my loans cancelled in a couple of weeks. I have asked for these issues to be resolved several times a year for the past 5 years, but they have not been addressed. In fact, some of my loans are expected to take LONGER to repay, even though I have continued making on-time payments. When I sent them the above letter asking them to honor the loan forgiveness I was promised, the responded by sending me a list of my loans and their interest rates, which clearly did not address the issue.
Consumer complaint received 2024-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

first complaint ending XXXX XXXX XXXX  i request it be opened. i asked for XXXX response you did not provide i will go to congreewoman if i have to reopen XXXX XXXX so i can refute his answer and send me his answer or i escalate as to this complaint i used it for XXXX XXXX in XXXX only signed for charges XXXX XXXX to XXXX they charged me an exorbitant rate XXXX XXXX to XXXX XXXX lied and said they would adjust it and XXXX did they are nasty and crooks BARCLSY credit card ending XXXX told me on XXXX if i change my number they cant bill me so i did and XXXX despite their promise to adjust rate and Barclys inconsistent info about changing number i was charged XXXX for 3 weeks of a car i am XXXX so DOJ complaint was filed and i wil sue XXXX they say no wrong doing ABSOLUTELY there is in email i told them too high a rate they knew i had the car did not ask for it or a signature and charged me exorbitant rates. sorry typos i ahve XXXX XXXXXXXX i want my money back and ndispute handled properly which this bank in additiion to HORRID customer service provifing inconsistent info and scripts provided inaccurate info on XXXX upon which i relied just like XXXX lied XXXX is getting sued. this card ending XXXX wont be used or my other one i am done In addition i inquired over and over about my older disputes.NJ courts who never answered XXXX from XXXX which by right should be premnanely creidted ht XXXX horrible customer service never answers direct questions what is status of older disputes but XXXX dispute was in this country with consuemer protection laws as they are completely unauthorized. i want it back they just send me a form letter telling me dispute is over no its not just like i will sue XXXX on deceptive business practice claims and breach fo contract.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit Bureaus will investigate this account for me to ensure accuracy XXXX XXXX # XXXX. Attached is evidence that the information contains wrong date open, last reported date, wrong balances. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Kindly remove these addresses I will provide my documents to verify my address. 
The only name that should be reporting on the file is XXXX XXXX XXXX - remove any other names that isn't my name like XXXX XXXX XXXX - My middle name is XXXX. 

The only address I have is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX kindly remove any other addresses on your file.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
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 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 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 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 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 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 Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Consumer complaint received 2018-07-27
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: Conn's, Inc. (TN)

i was a victim of identity theft and notified XXXX XXXX  and XXXX. i also attached my police report and identity theft affidavit. XXXX  and XXXX  removed the fraudulent account but XXXX  still haven't removed the accounts.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

GM Financial wrote the debt off as a loss and they charged the account off. They failed to accurately report the balance owed to the credit bureaus which should be {$0.00}. I have reported this and disputed this a number of times to no avail. They acquired services from a law firm to procure the amount in full however they have already written the debt off as a loss.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

Those are not my accounts on any of those things on there that are delinquent and I never had a car from Ally financial I never had a credit card from synchrony MasterCard and I peed off and my Belks card is not closed nor my JCPenney
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-07
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. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

I received the list of XXXX indexes. Can you please provide the information you received from The XXXX XXXX XXXX, that verifies the specific XXXX indexes and the dates they were released? Please provide documentation from XXXX XXXX XXXX. The attachment I sent from XXXX XXXX XXXX does not align with what was listed for XXXX XXXX XXXXXXXX and other servicers. Additionally, the capitalized interest was not addressed for XXXX, XXXX, XXXX, and XXXX. I have not received the history of payments, and the record of capitalized interest is missing information from XX/XX/XXXX to XX/XX/XXXX. Thank you for your attention to these matters.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I don't remember submitting a credit application for PayPal credit and had clicked to cancel the advertisement and closed out the webpage. I still somehow got approved for credit I don't want with PayPal.