davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I departed a rental unit early and was guaranteed that if the unit was filled within 7 days no penalty would be incurred. The unit was rented in 5 days and the penalty amount was removed. This occurred in XXXX XXXX XXXX. Nearly 3 years later I began receiving collection notices from a collection agency for this cleared debt. Its been over 3 years since this issue was resolved and, furthermore, the statute of limitations for MD ( 3 years ) has passed. Neither the collection agency or original debtor, XXXX XXXX XXXX, XXXX, were able to provide proof 3 years later that the debt is still valid. Since so much time has passed I no longer have any documentation regarding this matter.
Consumer complaint received 2020-11-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I 'm trying to link my TDBank Checking Account to XXXX. They say that TDBank is not giving access to external apps, thus I call TDBank and they tell me that the know of XXXX and can assure me there are no blocks on that site. I call XXXX and they say the can not do anything to help me and that I must call my Bank. Please help, this is one giant circle of getting nowhere.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (DC)

WESTLAKE FINANCIAL IS LYING TO THE CFPB AND STATING THEY ARE NOT FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT. WESTLAKE IS ILLEGALLY FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT THAT IS NOT MINE IS FALSE AND FRAUDULANT. I DO NOT OWE WESTLAKE ANY MONEY AND NEVER HAVE. WESTLAKE IS VIOLATING INTERSTAE AND FEDERAL LAW AND HAS BEEN REPORTEED TO THE DC TEXAS AND CALIFORIA ATTORNEY GNERAL. REMOVE THIS FALSE FRUADULANT ILLEGAL ITEM ON MY CREDIT REPORT IMMEDITALY!! WESTLAKE IS LYING TO FEDERAL AND STATE LAW ENFORCEMENT THAT THEY CAN NOT ASSIST WITH THIS ILLEGAL FRAUDULANT ITEM ON MY CREDIT REPORT! REMOVE IT IMMEDIATELY!! 

PLEASE SEE THIS FALSE ITEM ON MY XXXX AND XXXX XXXX REPORTS FALSE FRAUDULANT AND ILLEGAL!! 

4.15 WESTLAKE SERVICE INC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXXXXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$24000.00} Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT XXXX XXXX | XXXX XXXX, XXXX Page 50 of 69 Terms Frequency MONTHLY Term XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$660.00} Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 26 Delinquency First Reported XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification AUTOMOTIVE Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-01-19
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. (FL)

The following accounts being reported by Experian are fraudulent and do not belong to me. I have tried to dispute these items twice and they have verified them to be mine through an incomplete investigation. XXXX and XXXX have already removed these accounts from my record after verifying they are not mine : XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXk XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The XXXX  credit reporting agenecy, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX XX/XX/XXXX, under the account number ( Private ), XXXX XXXX XXXX opened XX/XX/XXXX, under the account number ( Private ), a auto loan opened at XXXXXXXX XXXX  XXXX XX/XX/XXXX, under the account number ( Private ) and XXXX XXXX XX/XX/XXXX, under the account number ( Private ), mortgage loan XXXX XXXX  opened XX/XX/XXXX, under the account number ( Private ), auto loan XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number ( Private ), student loan opened up at XXXX XXXX XXXXXXXX XX/XX/XXXX, under the account number ( Private ), an account opened up at XXXX XXXX Child Support XX/XX/XXXX, under the account number ( Private ), a mortgage account opened up by XXXX XXXX XXXX XX/XX/XXXX, under the account number ( Private ), a credit card account opened XX/XX/XXXX, under the account number ( Private ), a collection account by XXXX XXXX XXXX, XXXX XXXX, under the account number ( Private ), a collections account by XXXX XXXX XXXX XXXXXX/XX/XXXX, balance $ under the account number ( Private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity theft and fraud. FTC # XXXX
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC (PA)

XX/XX/XXXX and XXXX XXXX tried to contact Quicken loans they put down that I had a forclosure I did not I got a modification before my house went into foreclosure I have been current for four years up till the time I sold my house it was paid in full they have on my credit that my house was in foreclosure I never received a letter it never went into foreclosure they will not remove it
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (CA)

I filed and discharged BK chapter XXXX on XX/XX/10/18 case number XXXX including US Bank credit cards. However, US Bank never report these accounts in my credit report as discharged accounts. Can you help me to correct US Bank creidt card company to report these account below on my credit report.

1 ) US Bank Person loan {$10000.00} 2 ) US Bank Credit card {$5500.00} 3 ) US Bank credit card {$7600.00} 4 ) US Bank credit card {$5400.00} Thanks.
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (NJ)

I took out a {$400.00} loan on XX/XX/2019. I started paying them back in XXXX, and have been paying XXXX bi weekly since. I have paid this company almost {$700.00} and they are claiming tribal immunity, also saying my balance is still XXXX. How is that even possible. I have also added my name to a class action investigation where the company is being investigated for fraudulent use of claiming to be a tribal owned company. I have lodged a complaint with the XXXX as well.
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-11-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

This is regarding dispute XXXX with Citi Bank. 
On XX/XX/2019 I book 4 night stay in XXXX XXXX XXXX, NJ in XX/XX/2019 via XXXX using my CitiCard credit card. Me and my kids spend 1 night in the motel. the next morning, the general manger asked us to leave the motel because I complained that the room was unsuitable for adults and young children to stay in due to poor sanitation conditions ( bed sheets were stained, room was dirty ), mold in the bathroom, no air circulation ( windows wont open ), no light ( lamp was broken and didnt work ) and safety hazard ( wood headboard collapsed on the bed, floor was dirty, wet and slippery from humidity ) .I asked for a refund and only then I was told that this transaction is non-refundable ( apparently it's on XXXX website but very not clear ) I called CitiCards on XX/XX/2019 and asked to dispute the charge since I didn't receive service. On XX/XX/2019 CitiCard asked me for documents proving the charge is refundable or any proof that shows the merchant 's policy was not disclosed to me at the time of the sale.On XX/XX/2019 I responded to CitiCard with all the documents to support my claim for dispute, I provided pictures form the motel, I wrote a clarification letter and I attached the motel general manager respond that says that she needed to contact the police to escorted me out of the property, I also attached the police report and my name doesn't appear there - meaning - the general manager admits that she asked me to leave the property but her claim ( that she needed to escorted me out with police ) isn't true - she charged me for 4 nights, asked me to leave after 1 night and wouldn't refund me - its a fraud! On XX/XX/2019 CitiCard sent me a request to provide documentation showing that the merchant agreed to credit my account and they notified me that this investigation consider complete and it is resolve in the merchant favor. On XX/XX/2019 I called CitiCard again and spoke to a supervise named XXXX that wasn't willing to listen to me or to help me. On XX/XX/2019 I called again and spoke to a representative that told me that this dispute was being processed as if I canceled the stay and due to the non-refundable policy - CitiCard didn't credit me. She re-open the dispute and I emailed 2 clarification emails since then. I still haven't hared anything back yet.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS 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 XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am writing today to raise an issue with Navient. During the covid pauses Navient did not stop charging. The allowance of this is shameful ; however, this created another very concerning problem for those of us whose federal loans are held by multiple services providers. Namely, Navient now thinks it should be able to force IBR recertification on dates not congruent with all the other federal loans, meaning that borrowers like me now have two separate IBR recertification dates. The Navient one is not noticed or visible through the federal system, despite the loans they are servicing being federal.

This is a logistics nightmare and will cause borrowers to miss deadlines and be uninformed as to the correct recertification deadlines. Missing one of these deadlines has critical consequences and thus this treatment of borrowers should not be allowed. Navient should instead realign their due dates for recertification with the federal due dates for all federal loan holders.

Who can assist me in resolving this issue?
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (VA)

In accordance with the fair credit Reporting act Hyundai Motor Finance, has violated my rights. 

Hyundai Motor Finance recently took repossession of my car after I suffered a hardship ( was behind 2 months due to COVID-19 ). Spoke to a representative who asked me when I would be able to bring payment current - upon giving her a 5-7 day window- she explained to me that my vehicle was not currently in a repossession status as of yet but I needed to make that payment. Upon making multiple payments via XXXX  XXXX quick collect totaling over XXXX which was more than what was owed ( my monthly payment was roughly {$670.00} ) right after I made the payment- my car was repossessed a few days later. Upon speaking with the towing company the lady expressed that sometimes they will lie to get you to make the payment and still take the car. I was working from home and with no childcare ( which was due to my daughters dad having XXXX ). I had to cover tuition that month which is what put me behind. I am a parent with one income - so I had no idea that they towed the car. Upon calling they told me that I had to pay the whole loan balance off opposed to the {$1700.00} that they said was past due. Keeping in mind I paid my balance. The tow trucker driver told me that the system is automatic and that because I paid via XXXX  XXXX quick collect and didnt make the payment over the phone and it was the weekend Hyundai probably didnt know it was made. However, upon trying to explain my situation to Hyundai reps I was met with ridicule and condescending tones and one rep even disconnected the call. Ive been with Hyundai Motor Finance for a total of 7yrs that was my third vehicle in a row with them. So to be treated like that during one of the most low moments in my life was very hard. It impacted not only my mental health in the moment - but now I am without a vehicle, this will impact my credit as I am trying to save to purchase a home for my daughter and I. They refused to work with me only manipulate me into a payment just to go against their words. I am still lost and do not know what to do. Please help me.