davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The sole collection on my credit report has several inaccuracies, with the major concern that there are two different creditors claiming ownership of this collection. I would like to challenge this account to have it removed by using 15 USC 1681e ( b ) and 15 USC 16811 ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have this account removed. 
Also, if my request is not fulfilled within 30-45 days, I will move forward with the litigation process to collect {$1000.00} in damages for each inaccuracy on my credit report.
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I have applied for public service loan forgiveness multiple. I do qualify for this but XXXX and Fedloans have both been using predatory practices to make this process impossible. 

1 ) I received all of my education paid for by public loans, my family was well below the poverty line and I completed my entire XXXX degree while doing work study and on federal loans. 

2 ) following my graduation I worked for 1 year at a qualifying employers while making my qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non profit ) 3 ) somehow XXXX purchased my federal loans and began servicing them. 

4 ) I then worked for 2 more years at a different qualifying employers while making monthly qualifying loan payments. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

5 ) I then returned to XXXX school and took out more federal student loans. During these 2 years I continued to work full time at a qualifying employer ( XXXXXXXX XXXX XXXX XXXX XXXX ) I was not making loan payments during this time. 

6 ) When I completed my XXXX  program in 2013 I again began working full time at a qualifying employer XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. I have worked in this field and made qualifying payments to my Federal Student Loans since 2013 ( 7 years ) I have evidence that I have made 120 qualifying payments ( 12 years of payments on my XXXX loans ) I have provided my FAFSA info, my tax returns and all other materials to these servicers ( who already have access to this information ) on multiple occasions and yet they continue to deny the above facts and forgive my loans through the PSLF.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TX)

My brother passed away in XX/XX/XXXX since then dealing with this company has been a headache to say the least. Recently, I realized that after finalization of the loan XXXX checks were issued due to over payment. I have contact Bridgecrest on numerous occasions to have this resolved, to date they have yet to rectify the issue. 

I contacted bridgecrest in mid XXXX to advise them of reissuing check to address the payee as they were issued under my brother 's name. My brother was deceased at the time of loan closeout and repayment. I obtained a loan in my name to clear his debt. 

XX/XX/XXXX - checks were reissued to the estate of XXXX XXXX XXXX- I contacted bridgecrest to advise that XXXX does not have an estate and the checks needed to be reissued in my name. 
XXXX - Contacted bridgecrest again, as I had not received the reissued checks. Representative I spoke to stated that checks had been mailed out XX/XX/XXXX and to allow 7-10 business days for arrival. 
XX/XX/XXXX - contacted bridgecrest on 10th business day as I had not received checks. Representative advised me that the rep from XXXX had provided misinformation and the checks had not in fact been reissued. Rep also stated the earliest reissue would be in 10-15 business days. 

This issue has been on going for 2 months with multiple phone calls and no resolution. Each calls seems to have me looped and asking me to wait more time on something that could have easily been resolved on XX/XX/XXXX.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (CA)

I am writing to dispute the following information on my credit report from Net Credit. A settlement was made on XX/XX/2019 on my behalf by a settlement agency " XXXX XXXX XXXX  '' in the amount of {$2300.00}. Of that settlement {$2200.00} has been paid to Net Credit. 

During the pandemic, I missed a payment as I moved to XXXX, as a result Net Credit cancelled my agreement and basically took my money and are saying I owe approx {$4500.00}. 

I have did attempted to reinstate my settlement agreement with Net Credit and pay the remainder of the settlement owed {$130.00}, however they have been extremely difficult and unreasonable to deal with. They will not acknowledge that I have paid {$2200.00} towards the settlement, making them a predatory lender. 

Please find proof of payments that were paid to Net Credit. Can you please investigate this matter and delete the disputed item as soon as possible, as it is 100 % incorrect.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (NY)

The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (PA)

On XX/XX/2019, I deposited {$1400.00} from my debit card ending in XXXX to my cash app account/card. There was no problem. I went to the post office to to purchase a money order for XXXX . It was declined twice. I went to my car and went to the internet to get a number for cash app   customer service. A number came up and I called it. It was an XXXX #. A man answered and said " Thank you for calling cash app, my name is '' such and such. I told him my name and told him that my card was declined twice and I wanted to know why. He asked for my phone number and asked me to log out of cash app and log back in and my card would be unlocked. So I did. When I logged back in my account was completely gone. I called back and they said they were going to be putting the money back into my bank and that they closed my account. I then emailed cash app and asked why I didn't receive my money. They said they don't use phones. I had the app installed on my XXXX   and was still logged in to the account they had me log out of, and could see that someone had tried to send {$1400.00} to 2 different people I don't know but that was declined " for my protection '' and then they has withdrawn all my money to a card that I don't own. I told cash app that someone was stealing my money and then I sent them pictures of every single thing. They had me fill out a long email explaining everything that happened and they would " investigate ''. I said ok. I have yet to get my money back after emailing and emailing the man " XXXX '' who said he was taking over my case. In their FAQ it says " You will not be able to withdraw funds to any card except the card that deposited the funds ''. I told them that they were responsible for the theft because it was allowed to be withdrawn onto a card that did not deposit the funds. I sent pictures of everything that proved it. I created a new account and used several security features, I needed the card because my husband is a truck driver and that's how I send him money. So today I tried to send my husband money and they had closed my account, it still has money on my card. I tried to withdraw it and it won't let me. I have yet to get my XXXX $ back that is their responsibility to reimburse for allowing it to happen in the first place and now I can't withdraw the money I have on there. They have never returned my email since XXXX took over, he only said to file a complaint with my bank. It is not my banks responsibility because I deposited it onto the card. Cash App has done this to SOOOO many people, it is a branch of Square, a reputable company. Please help me get my money back, they won't help at all. I have emailed probably 40 times and now they closed my account so I can't email them anymore. Please help
Consumer complaint received 2020-12-24
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. (GA)

Hello. For some time now, I have been going back and forth with Transunion, XXXX  and XXXX  about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XXXX of XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ally financial has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want Transunion, XXXX and XXXX  to delete XXXX XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have been current on my payments with Citibank Credit Card. Due to the hardship of Covid-19, I was only 4 days late of my monthly payment of {$70.00} for my minimum payment of my XXXX bill. I was planning on paying my bill, but due to XXXX I was 4 days late of my due date and my minimum payment went up from {$70.00} to {$210.00}! I requested that they please waive the late fee of {$29.00}, However, Citibank is unwilling to waive the fee of {$29.00}. I was only 4 days late and this is what they said. 
" Late fee and finance charge adjustments are approved and declined systemically by the bank. To submit a request for an adjustment a payment to bring the account to a current status will be required. {$210.00} will bring the account current as of XX/XX/20. '' I said I can not afford {$210.00} at this time, and asked if they are willing to waive the fee of {$29.00} and work out a payment plan with me, but they refused. Millions of people are suffering right now due to Covid-19 and Citibank should be ashamed!
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank does not appear to have a process to remedy returned deposits. I submitted an EFT before closing an account. Unfortunately the receiving institution returned the funds to TD. The funds were received back by TD after I had closed the account. TD customer service center and local branch office are unable and unwilling to assist. I have called on multiple occasions and no one seems to know how to resolve this. I have been promised call backs but have never received one. I was lied to that a check would be sent to my home. Instead they continue to attempt an EFT to the other institution unsuccessfully. The funds in question are stuck in an endless loop. {$140.00} is in suspense and has been unresolved since XX/XX/2023. Please help!
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPAL paid out a transaction that I disputed. I asked for proof and why they are not honoring my dispute. In which case, I got the run-around. It says on their website that I have the right to ask for my correspondence and how they came to their conclusion of not honoring my dispute and they have not provided me with any paperwork but generic copy-paste answers. 
I even have a contract and emails going back and forth with the business that did not provide me with the service but PAYPAL decided they were going to take my money and pay this business. 
Since when is paypal the judge of my money? Even when it's written in black and white with a contract. 
I paid for a service that was not provided to me. The contract date did not even start when I asked for my money back and cancelled and " fired '' the business. Yet, PAY PAL thinks they are the decider of my money without giving me any proof or explanation. 
PAYPAL needs to be held accountable. 
They are not doing what their website promises which is provide transcripts and communication on how they even came to their conclusion.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (VA)

Comenity Bank handles XXXX credit cards, a merchant with whom I have held an account for decades. In early XX/XX/2020 I made two relatively large purchases from XXXX, just as the COVID-19 pandemic was beginning its grip on the US. As a result, XXXX shut down some operations, and I experienced problems in getting guidance from XXXX as how to handle returns, as much of the referenced purchased product was to be returned. Eventually, XXXX provided a return mailing label, and I returned the product ( received by XXXX on XX/XX/XXXX ). 

I contacted Comenity by letter dated XX/XX/2020 explaining the situation, and Indicated I would make minimum payments each month until the returns were processed - and asked Comenity not to charge interest fees, as I anticipated the value of the returns to clear any balance. No response was provided. 

In XXXX, credits of over {$1500.00} appeared on the XXXX statement. Those credits were not as quite as great as I expected, but XXXX did resolve the discrepancies with me. I contacted Comenity again by letter, on XX/XX/2020, enclosing copies of return-receipts. I pointed out that my initial letter had drawn no response, and renewed my request for interest fees to be waived. 

On XX/XX/XXXX, Comenity wrote, claiming they were unable to verify a return, despite the return credits recently issued on the account statement. On the very same date, Comenity sent another letter - suggesting they were investigating my complaint, and suggesting that process might take up to 90 days. 

I contacted Comenity by letter dated XX/XX/2020 summarizing Comenitys failure to provide a meaningful response. The Bank responded on XX/XX/2020 - again with two letters, one asking me to call Comenity, the other suggesting they were researching the matter ( and indicating that effort might take up to 90 days ).

Throughout, this process Comenity has provided little or no meaningful response to my inquiries, and charged interest to my account - in XXXX, XXXX, XXXX, and XXXX, totaling in excess of {$200.00}.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (MS)

on XX/XX/2020, I mailed a letter requesting investigaton of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. I still haven't received a response and it's been 5 months!!!!
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (MD)

In XXXX I tried to remove the freeze/lock on my Equifax account. I was told the information that is accurate for me was not what they had. I was told to mail a social security card and drivers license with my address to Equifax at the XXXX XXXX XXXX. I got no response and after several attempts contacted your Bureau for help Complaint Number XXXX. Through you they said to mail more personal information to the same XXXX XXXX XXXX. I did and they sent the attached reply to now send even more personal information to XXXX XXXX XXXX. 

I will try this again but I want to know What has happened to the information that was sent? 

Why the change in PO box numbers from their response to you? 

Since it looks like Equifax prefers their fraudulent information to my valid information, what should my next step be to get the lock off my account?
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (LA)

On XX/XX/2023 XXXX am I was harassed by Rep XXXX with XXXX also known as Transworld Systems Inc of an alleged debt. I informed the rep that I was at work and was asked numerous times to not contact me of this debt as to I have no knowledge of. XX/XX/2023 I sent them a notice to request information due to them placing this negativity on my consumer report. I never received any information from them before the notice or a response after the notice. I did not consent a contract with company. They have violated many of the FDCPA laws trying to collect on an allege debt.