davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I have sent numerous times and semt them certified mail which allows me to see that they get my items. I sent one packet signed and dated last XX/XX/XXXX then they said they didnt get my items and i resent in XX/XX/XXXX and they still have refused to acknowledge they have gotten my items. Not only do i have a mortgage, but i have XXXX kids, a car note and my wife has lost her job. I dont know where or how they expect me to pay XXXX a month. I keep reapplying for loans and no one helps. Talking to them on the phone, im only wasting my time because they tell me to just send in everything i already have sent.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (TX)

At the end of my lease for the 2022 XXXX XXXX XXXX, I received a bill charging me for " Excessive Wear and Tear. '' One of the items listed was the tires! The car had not been in any accidents, and there was nothing beyond normal wear and tear. It was driven for 3 years, showing only expected signs of use. I returned the vehicle to the XXXX Hyundai dealership in XXXX, TX, without any issues. Tires, like brake pads and fluids, are consumable parts of a vehicle, and no one should be charged for them upon returning a leased car.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of XX/XX/XXXX.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

Company is Diversified Consultants. They continue to call me many times a day looking for XXXX XXXX. I have told them several times XXXX XXXX is not at this phone number and please remove this number form their contact list. THIS IS NOT MY DEBT. They continue to harass me and refuse to stop calling. 

They call before XXXX XXXX Arizona time. They hang up after I answer. And call multiple times per day. 

They call from multiple phone numbers : XXXX XXXX XXXX When I call back I am not able to speak to anyone. Get a recorded message.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services (OH)

This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!
Consumer complaint received 2018-08-22
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. (FL)

An, so called " Debt Consolidation Company '' ( using 2 names, ''XXXX XXXX & on credit card statement ''XXXX XXXX XXXX ' ) contacted me, to tell me they would take over & make payments to the Banks, allowing me to make a lower payment to this company each month, also would lower my debt by 1/3 I stupidly accepted & gave card 's info. They charged my credit card {$1000.00}. ( Citi Card, Platinum ) XX/XX/2018 The credit company, will not reimburse me, even though this was an Fraudulent charge, Since having no service with this ''Debt Consolidation Company? ' & no correspondence with the persons that signed me up for this ''Debt Release Program? '' ( Persons spoken to were XXXX XXXX & XXXX XXXX @ XXXX saying their Company was out of XXXX ) Can you please help me to be reimbursed for the {$1000.00}, I am aged ( XXXXyrs. ) & on a rather low income. Thank you!
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet XXXX  refused to remove them as a negative item included in BKPT the same for Transunion, although Transunion did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seeing errors on my credit report out of nowhere this morning left me stunned. I regularly check my report, and this was completely unexpected. I refreshed my browser, hoping it was a temporary issue, but the errors stayed. Im requesting a thorough examination of my documents to ensure I never have to worry about this again.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need thses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXXand
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$8400.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (TX)

They have no right to the debt because XXXX XXXX  is still claim ownership of this debt on my credit I can show proof they will need to send me a debt validation claim 15 usc 1692G full detailed list of the payment history on this account I wan na to see the original signature that I agreed to on the contract for this creditor Has there been any insurance claim found on this debt I also want to see the chain of title that you have to collect on this debt
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I spoke with Credit Acceptance after remaining balance was due after total vehicle loss. They worked out a monthly payment plan to be paid until paid in full. Payments of {$250.00} have been made each month since the agreement and the company still reported my account as delinquent. They informed me it didnt matter that I had an agreement to pay monthly and have been making my payments on time every month, that its still considered delinquent and Im in default. I have made four payments of {$250.00} since XXXX of this year ( 2018 ) with no issues or reporting to the credit agency. I did call to discuss this matter as to why they reported me and they told me they have the right to report me even though we agreed on a payment arrangement because I have not paid them in full and I am not paying them interest no longer.
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

Attorney XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of the Fair Debt Collection Practices Act. 
They purposely sent a summons to appear in court XX/XX/XXXX to an address that was never my residence in Michigan. I have been living in XXXX since XXXX. I received a response from XXXX XXXX XXXX Attorney for Mindland through the CFPB site XX/XX/XXXX, stating that I should contact XXXX to resolve the matter and that no action of garnishment will be taken. No one was willing to assist me. However, I have been garnished for the wrong amount and my livelihood has been impacted to me losing everything.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting the removal of these bankruptcies ( below ) on my XXXX  credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. XXXX refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with XXXX which documentation of said information by the Court is attached.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. Experian refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

First of all, I graduate in XXXX but the loan default was not reported until XXXX.The loan was for $ XXXX.XXXX XXXX  garnished my wages for over {$8000.00} from XXXX to XXXX and then sent the loan to US Department of Education for collection.I have tried all I could dealing with this case with no end in sight .I still have all my documents for the wage garnishment. 
I tried to contact XXXX XXXX but I was told they can not talk to me on the subject. 
I am wondering why it took XXXX XXXX twenty years come up with a default Student loan.While my wages was been garnished, I sent for my credit report from the three major Credit Agencies and there was Student loan on any of the reports.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

My Father died XX/XX/XXXX, I lived with my father. I became delinquent on the mortgage because I was responsible for his care until he died. I've requested a mortgage modification with Ocwen Servicing several times. I recently submitted the required documents for a mortgage modification. My modification request is currently in processing with Ocwen Loan Servicing. But a property foreclosure sale date has been set for my property XX/XX/XXXX. I do want to keep my home.

Please Help!!!!!!!!!!!!!!!!.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

The following information is wrong on my Experian Credit Report. I've been attempted numerous times to get the information corrected with Experian. Experian has failed to give a reason for not changing the wrong information. 

Wrong or Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX I have never lived at these addresses and I believe these addresses were an attempt of fraudulent activities.
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter by certified mail to TRANSUNION on XX/XX/2018, challenging the accuracy, compliance, and reportability of a listing - XXXX XXXX XXXX XXXX, filed under my social security number per the FCRA section 611 ( a ) ( 1 ) ( A ).

In my letter, I asked that TRANSUNION validate the information and provide me with copies of any documentation associated with this account, bearing my signature. 

A representative from TRANSUNION signed for the letter on XX/XX/2018, at XXXXXXXX XXXX and on XX/XX/2018, I received correspondence from TRANSUNION stating that the account was UPDATED. However, TRANSUNION did not send me any information to validate the accuracy of the account. 

On XX/XX/2018, I sent another letter by certified mail to TRANSUNION which was signed for on XX/XX/2018, at XXXXXXXX XXXX This time I requested from a description of the procedure used to verify the accurateness and completeness of the information, as well as the name, address and phone number of each person contacted regarding this alleged account per the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I asked for any documentation baring my signature, showing I had a legally binding contractual obligation to pay the amount which is claimed I owe to XXXX XXXX XXXX XXXX, in which they had 15 days to respond. 

I was then sent correspondence from TRANSUNION on XX/XX/2018, ( 10 days late ) stating the account in question was " verified as accurate '' with none of the supporting documentation I requested for. 

I also informed TRANSUNION dependent upon their response I would be filing formal complaints with the : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX,
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX   about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship.

I talked to a man at XXXX  on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX  back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go.

XX/XX/XXXX I called XXXX  again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call.

I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.