davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  - XXXX XXXX  - XXXX
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

They are not verifying or updating my the accounts they just keep writing me back saying they have been verified. I 'm asking for original contracts, and they just keep sending credit reports. Some of the collection agencies have even written me saying they will no longer be reporting or asking for anymore money from this point on, but nothing is being updated.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.
Consumer complaint received 2015-10-21
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (IL)

XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NC)

When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Kohl's/capital one credit card. This account was supposedly closed and charged off almost 6 years ago. They haven't reported anything in 5 years. It was disputed to have removed. Now since XXXX, XXXX, XXXX XXXX keeps dropping my credit score on numerous occasions XXXX points, and I disputed and it was corrected, then it was dropped another XXXX points again. And in between XXXX points here, XXXX points there, etc they keep telling me Kohl 's removed a remark that says account dispute resolved? I went through this with XXXX and XXXX and it's been fixed. But something with XXXX and Kohl 's is not right. No one 's score is going to keep dropping like this. I have no late payments and all 3 of my scores with all 3 credit beauras were in the XXXX all my cards are in good standings and never late.as stated this has been on my reports for almost 6 years and all of a sudden 6 years later this continues to happen dropping my score by insane numbers every 2 weeks for no reason? Please help!
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (DC)

I was called XXXX on XXXX XXXX and reported XXXX XXXX, 2016. I submitted my XXXX to American Education Services ( AES ) on XXXX XXXX for my Servicemember Civil Relief Act ( SCRA ) benefits. I received an e-letter from AES that they were unable to confirm your XXXX XXXX status using the Department of Defense 's SCRA Website. However, I had faxed my XXXX. I called AES on XXXX XXXX and the representative confirmed AES had my XXXX. I asked her to submit a manual review. On XXXX XXXX, I received another e-letter stating the previous. Subsequently my XXXX were extended and on XXXX XXXX, I submitted new orders. I called on XXXX XXXX to verify receipt of the XXXX and was advised AES would need an additional 7-10 business days. I complained that they already had the first set and that these XXXX were no different, except extending my military time. I explained I needed the XXXX to be processed and the benefits applied, so I could request a forbearance before the next payment date. He could not explain why my benefits had n't yet been applied and that he could n't do anything to assist me. I asked for a supervisor and after 5-7 min on hold he came back and said there was no available supervisor to assist me. It should not be this difficult to receive my SCRA benefits.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (MA)

I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CO)

So I received info in the male regarding an bill from a rental car that was rented through a insurance from a car claim. After speaking to a rep name XXXX she explained that I rented a vehicle XX/XX/2016. I explained impossible she begin questioning for if I am correct she never mini Miranda me or told me was on a recorded line I asked her first last name she told me she does n't have to '' because she does n't want to ''. At that point I explained that her info is wrong and it should be a dispute. I asked questions she said she will get a manager then a guy name XXXX gets on the phone very disrespectful loud interrupting every thing then as i asked his full name he begin to get upset yelling being deceitful and hung up in my face. I called back he put and hu the telephone 3 times. I called all leadership and never received a phone call. Today after cease and desist I received a phone call and it is the same little girl I spoke to I made aware cease ad desist. They also called my brother after having good info for me and said what they were calling about and gave name of company. My brother has I 'd caller and tracked number is was the same company
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torriere Holdings INC (CO)

on XXXX/XXXX/15 i recieved an automated dialer call from Spire recovery. they left a message on my voicemail for my sister in law. they disclosed on the voicemail that she had an account in collections and disclosed the account number on my voicemail. i contacted spire via phone and was told they were handling an account for my sister in law and provided me a file number to reference. the dialer they are using features predictive dialing features which is a violation of the TCPA. Spire disclosing account information on my voicemail is a violation of the Gramm-Leach-Billey Act. the fact i was told they are handling an account is 3rd party disclosure and a violation of the FDCPA. They never stated their communication was an attempt to collect a debt by a debt collector. This is a violation of the FDCPA. i contacted the owners of the business XXXX and XXXX XXXX regarding these violations. they in turn had a business partner by the name of XXXX XXXX contact the owners of the company i work for. XXXX disclosed my sister in laws account to the owners of my company. This is a violation of the FDCPA again by disclosing 3rd party information. I believe Spire is not licensed to collect debt in any state and they have absolutely no regard for the law or rules.
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Monterey Financial Services LLC (NY)

My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc. (AZ)

In XX/XX/XXXX I moved out of an apartment and I contacted XXXX to pay my balance due and cancel my contract. 5 years later in XX/XX/XXXX I checked my credit report and they are reporting me in collections. I was never notified by mail, phone or email and I confirmed they have had all my information on file.
Consumer complaint received 2023-03-13
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: SYNCHRONY FINANCIAL (IL)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (NJ)

My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. 
The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

On XXXX XXXX I received XXXX emails regarding my account, both explaining that there were charges pending against my account which would not be able to clear due to nonsufficient funds and I would be charged {$25.00} per item unless I made a deposit into my account to cover the drafts before XXXX on XXXX XXXX. That same evening I made a deposit via the bank-owned ATM sufficient to cover both drafts. The next day I received notification that my account was charged XXXX overdraft fees of {$25.00} each. I quickly went into a branch and was told that due to the age of the ATM. the deposit made would not be processed until XXXX that day. As the teller was unable to assist me any further, I proceeded to call the bank 's office. 

I spoke with XXXX representatives and despite my assertion that regardless of the age of the ATM, the deposit was made by the time indicated on the email notices received and therefore should be credited to my account accordingly. Further, I pointed out that the Expedited Funds Availability Act requires the XXXX {$200.00} of a deposit that is not already subject to next-day availability to be made available by the XXXX business day following the day of deposit. The deposit amount at the ATM was {$20.00} in cash. 

They were willing to remove XXXX of the {$25.00} overdraft fees, but not both. I argue that according to notifications sent to me, timing of my deposit and Reg CC guidelines, I should be reimbursed for both {$25.00} fees.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Pacific Credit Exchange Corporation (CA)

XXXX XXXX, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WESTERN UNION COMPANY, THE (TX)

Redress Admin contacted me by US mail on XXXX/XXXX/16 XXXX : Paymap Inc, Consent Order XXXX File No. XXXX stating I had not cashed the check they had issued to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It stated that if I wished to have a new check issued I should make this request before XXXX/XXXX/16. 
I called the phone # listed on the letter & was sent to a different organization. At some point a Supervisor named XXXX confirmed I was due a refund ( Claim # XXXX XXXX XXXX ). 
I submitted my request for a new check on XXXX/XXXX/16 to the email listed on the letter ( XXXXXXXXXXXX ). I received an email on XXXX/XXXX/16 thanking me for my email. I received another email on XXXX/XXXX/16 stating, " You should receive your new check in 4-6 weeks. '' I received another email on XXXX/XXXX/16 stating, " Just wanted to let you know, that yes your reissue request was received before XXXX/XXXX/16 ''. Then I waited. 
Since no check arrived, I sent an email inquiring as to the status of the check on XXXX/XXXX/16 to the same email address. To this email I received no response. 
I followed up this morning w/ phone calls & an email to XXXX XXXX & included a faxed copy of my issue to CFPB. 
In the last hour I received a response from the XXXX XXXX stating the email box was no longer being monitored. I called the phone number listed for XXXX XXXX & they stated since I had copied by fax the issue to CFPB this morning then they could n't discuss it further & that I should work thru CFPB for a resolution. 
I just called CFPB & discussed my issue w/ a Representative & was told that CFPB was helpless to my problem because it was the third party XXXX XXXX & not the original company. 
When I asked this CFPB Rep what I should do he suggested I continue make my request thru the XXXX. 
How do I get this company to issue me the refund check they have both acknowledged that they owe me & acknowledged that I have submitted my claim on time?