davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Credit - Credit Repair Centers (CA)

THIS IS NOT A DUPLICATE COMPLAINT. 

This valid complaint is for the XXXX year. Credit Services Organizations that operate in California are required to file a registration application with, and receive a certificate of registration from, the Department of Justice before conducting business in this state. The registration for all Credit Services Organizations in California expired on XX/XX/XXXX. Beginning on XX/XX/XXXX, as new registrations are issued by the Department of Justice. American Credit Repair is not on the list and does not have a DOJ certificate which makes illegal to operate their business without it.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I submitted an employer certification form ( ECF ) for public service loan forgiveness ( PSLF ) in XXXX of XXXX for my employment dated XXXX XXXX XXXX. I also submitted IRS tax forms confirming the organization 's status as a 501c3 because Federal Student Aid ( FSA ) 's tool showed it as an ineligible employer. I called Mohela for an update regarding this certification on XX/XX/XXXX and I was told that it was under review by the XXXX and MOHELA couldn't provide an update until XXXX had completed their review. I immediately reached out to XXXX to request an update and XXXX stated that XXXX has outsourced that to Mohela. I reached back out to Mohela ( XXXX  ) and shared the information I was given. At that time the representative stated that Mohela is the company that is reviewing these forms, but is unable to provide an update until the review is completed. It has been under review since XXXX of XXXX. It's been six months of hearing " you'll get an update in 60 days, '' " 90 more days, '' " 90 days '' and now they simply refuse to provide an update and even lied to avoid assisting me. With all of these delays, I've now been in public service for 10 years and six months.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
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. (WA)

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to you because I was in a car accident on XX/XX/XXXX. I had a loan through Truist. XXXX XXXX paid over XXXX and gap was to pay the rest. I checked daily to see if they check was received. Once the check was posted it left a balance of a little over XXXX. I was then told by gap that the moment I made the report to Truist, they should have immediately called the warranty company for the warranty portion of the check. I took it upon myself to call and they immediately issused a check to Truist. The check is attached. Truist said it was sent to the wrong department and they would have to located it. This took 2.5 months. On XX/XX/XXXX, I contacted Truist again because after issuing me a check for the overage, which is approximately XXXX short, I am still documented as late paying ; now three months behind. Once they saw the date on the check, the fair and courteous thing to do was to remove the late payment off of my credit. Attached is the copy of the check and date XX/XX/2023. The check was sent out same day as printed. 

I asked the credit department to remove the late payment from my credit history and they denied my request. I was never late paying them and think it's a small gesture to have this removed from my credit history. 

In seven years, this will be removed from my credit report, but the damage will never be forgotten. The check was written and sent out on XX/XX/XXXX, but they didn't credit it to me until XX/XX/XXXX.
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I received a letter from Citibank with a XXXX ThankYou points offer after opening Citi Priority account with qualifying activities. My family member and I went to Citibank branch located at XXXX XXXX XXXX XXXX XXXX, NY XXXX to open the account on XX/XX/XXXX. During the processing, we asked the banker to check the eligibility of my family member and the banker said he was eligible so we both opened the Citi Priority Accounts. 
We had fulfilled all the requirements in XXXX, XXXX and I did a live chat with a Citibank representative online, she confirmed that the requirements had been fulfilled and she also provided the promotion code, XXXX, to us as a reference. It has been almost 8 months since the accounts had been opened. Citibank keeps charges us monthly fee but doesn't want to fulfill the XXXX ThankYou points promise. We called the Citibank customer service phone line and they said they didn't see any promotion with these accounts. They instructed us to talked to the banker who opened our accounts. We talked to him and he said he had no idea and asked us to call the Citibank Customer service phone line. It's extremely frustrating and it's like a scam for us.
Consumer complaint received 2023-04-04
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. (NJ)

Early XX/XX/2023, having pulled my Experian credit report, I noticed no less than 5 inquiries on my report that I did not authorize. I promptly filed identity theft complaint with the FTC ( reports enclosed ). I also promptly notified Experian via mail of the issue and enclosed the 5 FTC identity theft complaints. I explicitly demanded they remove the inquiries from my report immediately. 
It is now more than 30 days after having put Experian on notice of the issue. 
Experian is now in violation of FCRA for a ) having not investigated within the 30 day statutory requirement, and b ) allowing IDENTIFY THEFT on my credit report. 
REMOVE THE INQUIRIES IMMEDIATELY
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.Q. DATA INTERNATIONAL, INC. (ID)

IQ Data International, XXXX WA, contacted me on XX/XX/XXXX claiming to be an employer trying to follow up on a job application. 

On XX/XX/XXXX they contacted my mother, XXXX, claiming to be a lawyer trying to resolve related to a criminal complaint filed against me. 

on XX/XX/XXXX, IQ data contacted a friend of mine named XXXX, claiming to be an employer attempting to follow up on a position that I have allegedly applied for. 

on XX/XX/XXXX I made contact with this agency, speaking with XXXX XXXX, who processed a payment for {$500.00}. After this payment was made, my credit card information was unlawfully stored and used again to process another payment in the amount of {$1200.00} dated on XX/XX/XXXX that was not authorized. I received a letter on XX/XX/XXXX stating that per a discussion on XX/XX/XXXX ( that never took place ) a post-dated payment was made. This agreement was not discussed nor approved. 

This amount was disputed with my bank on XX/XX/XXXX, a police report was filed on XX/XX/XXXX to report fraud, and a formal complaint has been filed with Washington AGO. 

No written correspondence of debt prior to harassing phone calls. 

Use of automatic phone dialing systems. multiple calls per day, will call from multiple different numbers per day.
Consumer complaint received 2018-05-21
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. (IN)

I have contacted Equifax in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I.C. System, Inc., as a debt collector for XXXX ( now apparently known as XXXX XXXX ) has renewed a bogus demand to extract {$140.00} from me without providing any evidence that I have ever had a contract or other business relationship with XXXX or evidence that the modem I hold in safekeeping is XXXX property. I was first contacted by I.C. System, Inc. about this bogus debt payment demand in XX/XX/2021 ; I timely and repeatedly responded by certified letters demanding evidence of a contract or other business relationship between XXXX and me or proof that the modem I have in safekeeping ( having been left in the apartment I had rented until XX/XX/2021 ) was XXXX ' property. No such evidence or proof was ever provided, nor was any attempt made to explain the absence of such evidence or proof. 

Nonetheless, I.C. System and XXXX have just renewed their harassment to extract money from me without evidence or proof I owe anything or have property that is owned by XXXX. Such efforts to collect bogus debt on false pretenses must be stopped. No consumer should be put to the expense in time and money to address such fraudulent efforts to extract money without evidence or proof that the consumer has any obligation.
Consumer complaint received 2023-04-04
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. (MI)

Tried buying a home realized I have damages on my credit report. According to the law 15 U.S.C 1681 there should not be any damages on my report. I submitted in a dispute in regards of the following below on XXXX XXXX. I received a letter stating that it was not me who sent out my dispute and therefore they will not investigate following : Hard inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Personal Information : Address XXXX XXXX XXXX XXXX MI XXXX Collections : XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

XXXX has recently contacted me, telling me that I owe them over {$600.00} for a loan that has already been paid 3 times the amount of the princial payment. The interest rate of the loan is over 700 %.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (SC)

I have been on the Do Not Call Registry for about 4 years now and I am getting calls from debt collectors when I have NO DEBT!!! There is NO excuse for them not obeying the law & failing to update their databases. This recent call is from NCB Management at XXXX. There have been others with different numbers but not sure if from the same company.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

on XX/XX/XXXX I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date XXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account XXXX Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXX. 

Account name-XXXX Account numberXXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX  Account NumberXXXX  Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!
Consumer complaint received 2023-04-04
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NC)

Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016. 
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. 

NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus. 
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve. 

Hence, because of this absence I am unable to file a small claims suit against them. 

Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. 

Best regards, XXXX. 
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice
Consumer complaint received 2017-01-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shapiro, DiCaro & Barak, LLC (NY)

Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.