davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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. (AZ)

I filed for chapter 7 bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc. (CT)

I am continuing to receive emails from this company asking me for make a payment plan when I have on several occasions requested that they cease all communication with me. they continue to send emails and in the past have made phone calls. The next step for me is to contact an attorney and file a lawsuit.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my 3rd submitting a dispute request via the CFPB about Experian and XXXX simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1984 XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Let me raise a concern about the discovery of unreliable information within my credit report, as a careful examination has revealed certain inaccuracies capable of negatively impacting the credit score.

Understanding the importance of consumer rights, it is essential for this concern to be addressed transparently and justly. My wish is to resolve this matter without resorting to more extreme measures. 

Your prompt attention to this matter would be highly appreciated. Please look at this as a sincere appeal from a client asking you to address the situation. Errors in credit reporting are not a simple problem, as they can significantly hurt an individual 's financial future. 

Mistakes are inevitable, yet when they occur, they can be harmful. Trust is placed in credit reporting agencies as credible and precise information providers. The violation of this trust is a concern with extensive implications. 

Consequently, it is hoped that this issue can be quickly and satisfactorily resolved, both for the personal benefit and the preservation of a dependable credit reporting system for all customers. 

Your time and anticipated cooperation are greatly appreciated. Eagerly awaiting a swift resolution to this matter.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The following accounts have violated my consumer rights : PORTFOLIO RECOV ASSOC : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.
Consumer complaint received 2023-10-09
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023, XXXX pm, I received an email congratulating me on my application for a Chase Freedom card, which I did not apply for. I checked my account and noticed a newly issued freedom card. I called XXXX immediately and asked them who, when, and where the application was submitted. I was told that the application was submitted through my online account near my workplace ( which has a Chase bank nearby ). However, I was absent from work this day. Also, I had double verification protection for my online account, which required a verification code sent to my cell phone. It would be impossible for others to access my account on my desktop at my workplace. I asked Chase to cancel the card and temporarily locked my online account.
Consumer complaint received 2023-10-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I change phone company at the end of the month, this was in XXXX i send the rest of the owing monies XXXX XXXX XXXX, that is what i was owing them for the month of XXXX they said i owe for the 7 days of the month of XXXX $ XXXX. I called them and asked them for an explanation, they said go to the nearest XXXX XXXX store, they should help me, I went to the usual store, they said call XXXX XXXX i called XXXX XXXX, they said, go back to the store and tell them to call us from there. i didn't go, i'm a XXXX yrs woman, I have been with XXXX XXXX for XXXX yrs. never been late on my bill, they don't have nothing to say about my credit, the reason i change companies is because my husband and myself live in a fixed income and XXXX XXXX was to expensive for me. i don't think i should pay this bill, is ridiculous. I really hope you can help me with this bill.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (FL)

I purchased a vehicle on XX/XX/23 from XXXX XXXX dealership, and was unsure who I needed to pay. I called The dealership to ask what's the name of finance company so I can let them know that I was experiencing financial hardship, due to an eviction that occured on XX/XX/23 which left me without access to my mailbox and my car registration got lost or stolen. I was told by multiple people that they didn't have me in their system and it doesn't show I purchased a car from them, I checked my informed delivery everyday looking for something from XXXX or the lender that would at least give me an idea about who the lender was. I currently live in a hotel and they came on XXXX and repossessed my vehicle. At that time I didn't know if it was stolen or repossessed. I finally found the lender on the contract by the signature page but it didn't have a name, phone number, account # or address. I called Americredit on XXXX to explain the situation and was not given an opportunity to speak, the representative was very nasty, and refused to work with me, he advised me that I have until XX/XX/23 to pay {$1500.00} for XXXX and XXXX, which includes repo and late fees, I ask him if he could put payments on back end of loan so I would have a fresh start and can recover from my hardship I experienced with eviction, he said no and hung up.
Consumer complaint received 2018-04-11
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. (OH)

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.
Consumer complaint received 2018-04-11
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. (CA)

XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Consumer complaint received 2023-10-09
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

Today, XX/XX/XXXX, I called Synchrony Care Credit requesting financial assistance. The representative asked a few questions, and I answered honestly based on my situation as of today. I explained that I'm a XXXX and my last assignment ended XX/XX/XXXX, and before that, I worked part-time during XXXX. 

I explained that I'm currently receiving unemployment, but I'm about to exhaust my savings, and my unemployment will end in XXXX or XXXX. I also explained that the job market has not been great, and this has been the longest I've been out of work since XXXX, but the XXXX quarter job market is steadily increasing, and I have a XXXX job interview on Thursday that is promising, but it is not a guarantee. 

In XXXX or XXXX of this year, I contacted CareCredit to see if I could get an extension to pay off my promotional balance of {$4400.00} of a credit limit of {$5700.00} before the promotion expires on XX/XX/XXXX that will add the deferred interest charge of {$1300.00}. I was given a XXXX grace period to pay by XX/XX/XXXX, but I did not want to exhaust my savings while still unemployed. On XX/XX/2023, the total deferred added to my account was {$1500.00}, which included the 26.99 % rate to the outstanding balance. Since XXXX, I've made a total amount of payments of {$770.00}, and as of today, my current outstanding balance is {$6000.00}. 

The customer rep and her XXXX said I would not qualify for their financial hardship program since I would not have a job when my unemployment ends. It does not matter that I've managed to pay them {$150.00} - {$250.00}. They would rather me continue to pay this full amount or default, go into collections instead of assisting. 

Both stated there's a screening process and other variables involved outside of just being unemployed. I did not meet the pre-screening process of not having a job in XXXX, even though I'm currently receiving unemployment and trying to protect my creditworthiness proactively. They were unwilling to send information regarding their financial hardship program. They said when I default on my bill, I will receive a notification stating my pre-qualification for financial assistance.
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a loan 4+ yrs ago from ACE Cash express for {$200.00} - {$400.00} and I have been getting threaten calls saying that they will put me in jail for owing them after I informed them I didn't work anymore and I assumed it was paid off because they wrote it off on there taxes also that they took it out of my account 3 yrs ago. That is now closed. They called my family member today and left threaten calls on there phone and continue to call blocked. It's also been taking off my credit report.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed
Consumer complaint received 2018-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXXI called to see about some repayment options while I handled personal credit card debt. While on the phone I had been transferred multiple times and getting the same run around from every associate. I called again on XX/XX/XXXX because I was behind on my payments. Once again I get the run around and this time I am being told there is nothing they can do because it is a private loan. The associate by the name of XXXX was verbally abusive and not cooperating with me. I told her my financial situation and what I can do to manage it before it gets out of control. She continued to say there is nothing she could do to help and kept berating me. I eventually had to hang up on her. It seems there only goal is to continue to push for repayment after explaining my circumstances. I don't know where else to turn at this point. The school that I attended has since closed down. They were a for profit institution and pushed the outrages loans on myself and everyone I went to school with.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NY)

My loan matured XX/XX/2021. The payoff balance is considerably higher than expected. My monthly payment was {$590.00} and I owe {$320.00} in late fees, etc. which is {$910.00}. Upgrade is billing me {$1200.00} to {$1500.00}. They never quote the same number twice. I asked for Upgrade on several occasions to substantiate this additional amount and they have not. Now they are threatening to report me late to the credit bureaus if I do not pay. If Upgrade would substantiate the additional charges, I will pay them. Threatening to ruin my credit is not a reason to pay. My numerous phone calls and emails have been ignored. I have been left on hold for hours. I have been promised return calls, and have not been called back.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

Someone hacked my XXXX  acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (LA)

I have 2 mortgages with GMFS.

I have had one mortgage for nearly 4 years.

My bank allows me to pay bills through their site, and I paid my mortgage with the same address for years.

My bank and mortgage company are different companies.

Last month, GMFS notified me that my loan has been purchased by XXXX XXXX XXXX but its still GMFS. The lender has not technically changed.

But they failed to receive my payment that I had sent to the same address for GMFS for years.

So, I changed the address.

Now my payments have been returned because its not made to XXXX XXXX XXXX but its coming from a GMFS letterhead. Its still GMFS. Its not like I was sending payments to XXXX or XXXX XXXX  
This is ridiculous. I believe its deceptive banking which causes unnecessary confusion to cause customers like myself who have paid on time every time to incur expenses. This needs to be investigated.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

Experian noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX I was notified by my credit monitoring system that IC Systems placed a collection on my credit report with XXXX. I immediately called and spoke with their representative XXXX XXXX on the same day. XXXX XXXX informed me the account was in reference to XXXX from XX/XX/XXXX. I informed XXXX XXXX that not only have I not received any communication about this debt prior to this account being placed on my account but I was in fact disputing the account as I did not owe XXXX any debt. XXXX XXXX informed me that communication was sent to an address that I have not lived at in over ten years and in a different state, and to an email address I have not used as well. This information was further confirmed by XXXX XXXX XXXX who acted as her manager during the call. I notified them verbally as well as written that they are in violation and have to report something to my credit without communicating with me. I verbally requested the account be disputed and removed for cause and they told me it would not even though they did not follow correct procedures. 

According to the Fair Credit Reporting Act and fair debt collection practices Act they are required by law to communicate the matter to me prior to placing an item on my credit. The recorded conversation clearly states it was not communicated. I want this account immediately removed from my credit report. This action is fraud and I will take action per federal and state laws including Violation of the fair debt Collections Practices XXXX and defamation of Character. A case will be initiated through the CFPB.