davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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. (KY)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute Equifax XXXX XXXX   XXXX XXXX   XXXX Second Round Equifax XXXX XXXX   XXXX XXXX   XXXX
Consumer complaint received 2023-07-05
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX
Consumer complaint received 2015-07-05
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (TX)

I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...
Consumer complaint received 2020-11-20
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: Santander Consumer USA Holdings Inc. (NV)

Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late. 
I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
Thank you.
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX TransUnion and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

My complaint is with Care Credit ; Synchrony Bank! Ask at health care office if I would like to apply for Care Credit ; I said OK! No interview or questions! About 5 minutes I was told I am confirmed! I was not set up with any payment schedule! Started receiving monthly statement ; the amount changed from month to month! Months later received statement with amount more than {$2500.00} was added to my account! Called Care Credit and was told I did not pay the account in full so I was charged 30 plus % of interest on amount remaining! I ask Why? Was told if not payed off in 18 months I would be charged the inflated interest rate! Have been paying each month ; Last month bill was {$190.00}, payed {$250.00} thinking the difference would be applied to principle, not so, only {$31.00} was applied to account! In 2013 CFPB filed against Care Credit and was fined {$31.00} XXXX for deceptive practices! Why isn't this still the present issue!
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (FL)

I don't owe the amount that is reported as {$8700.00} charged off. I requested documents to substantiate the amount that Santander is claiming they are owed and I never received any written response with the itemization. 

RE : Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 7 Balance {$8700.00} Date Opened XX/XX/XXXX Amount Past Due {$8700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 80 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$15.00},
Consumer complaint received 2018-01-18
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: JPMORGAN CHASE & CO. (TX)

I sent chase auto, XXXX XXXX and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Greetings, I sent a dispute letter to the credit bureaus such as XXXX, Experian and XXXX, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Consumer complaint received 2020-11-19
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: EOS Holdings, Inc. (MD)

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is EOS/CCA for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

EOS/CCA is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from EOS and the 3 credit bureaus and also requested a detailed description of what I owe to EOS *I have never heard of a place called EOS & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Consumer complaint received 2020-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My husband and I purchased a home in XXXX of 2019. The loan Lakeview Loan Services now XXXX XXXX XXXX assessed the tax on the house off of a vacant lot as opposed to the actual home value when they bought our loan from XXXX XXXX. They contacted us in XXXX begging us to refinance because the interest rates were so low and it would only take 60 days to do a streamline loan. Here we are seven months later and i had to reach out to the CEO of the company because i could not get anyone to respond to me via phone, email or carrier pigeon, ( we got desperate ) you name it. Once i did that, we had 3 people calling us immediately. Further proving they already knew what was going on and did nothing to notify us. They advised that our taxes weren't assessed correctly and we would owe XXXX as opposed to the XXXX they had us sign in the beginning of this process to close on our refinance. Now our loan officer is telling us to go with another company after wasting seven months of our lives during a pandemic because they no longer have great interest rates apparently. I believe they kept us in the dark because they currently had our loan and didn't want to miss out on making money.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

On Friday, XX/XX/2020. I sent XXXX $ dollars to gemini ( cryptocurrency exchange ) using and ACH bank deposit from XXXX  XXXX XXXX, in which later showed up on my gemini account. 
At around the same time I deposited to gemini, my original bank XXXX XXXX  XXXX XXXX XXXX was in the process of changing my name from XXXX XXXX to XXXX XXXX XXXX. ( I did not mention this to gemini due to reasons I wont be going over now. ) On XX/XX/2020 I have sent an order to withdraw XXXX XXXX from my gemini account only to be penalized by a XXXX $ name miss match fee, and cancel my withdrawal. 
On XX/XX/2020 I emailed gemini to re validate my account, I offered to show my old and new driver license as well as any legal documents to help solve the issue and prove my identity. 
Ever since then I emailed them many times, I also gave them phone calls with voice messages without any replies either. 
My account currently sits idle with my funds in it, without any ability for me to withdraw it.
Consumer complaint received 2020-09-03
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. (CA)

I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I, the consumer, disputed this debt in XX/XX/2020 with XXXX , XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have checking and savings accounts with CapitalOne360, and online financial service for which I wanted to link an external bank in order to transfer funds between accounts. This has proven to be impossible due to poor systems used by the bank and live agents who can not resolve the issue. I just tried to transfer $ from my external bank, XXXX and the system would not allow it although it showed " already linked ''. I have spoken with two different agents and neither one could resolve the issue to transfer me to a supervisor
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (GA)

They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I came to Citizen Bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) to open a Checking Account as I had received a promotion offer for. The promotion was for {$300.00} in exchange for a {$500.00} direct deposit within the first 60 days. On XX/XX/XXXX, my company deposited {$500.00} into my account, which should suffice. The clerk who helped me, XXXX XXXX ( XXXX ), reassured me that the {$300.00} will arrive around XX/XX/XXXX and that my Student Checking Account is eligible for this offer. I reached out to XXXX on XX/XX/XXXX and received no response. Currently, it is XX/XX/XXXX and I still have not received the money as advertised.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I opened a new checking and savings account at First Citizens on XX/XX/XXXX, with a promotion to earn {$300.00} bonus after meeting certain terms. I met all of those terms on XX/XX/XXXX, and still as of XX/XX/XXXX have not received the advertised {$300.00} bonus. Attempts to discuss this with representatives at First Citizens on XX/XX/XXXX by secure messages on their website, and on XX/XX/XXXX by phone, were unsuccessful. Representatives indicated they had no knowledge of this promotion or that this promotion was not attached to my account. When I opened the accounts, I used the direct link to apply for the bonus ( see attached screenshot - " OPEN NOW '' ). There was no field or option to enter any promotional code on the application form, so the link I clicked ( attached screenshot ) should have been adequate to apply properly for this promotion.
Consumer complaint received 2020-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

My mother and I have reached out to Sallie Mae several times with no help. My loans were taken out when my parents were married they are no longer my mother is the co signer and neither of us can afford the payments on these loans. We reached out to them and the only thing they said they can do is offer a forbearance for 6 months and charge me to do it. We are unable to refinance these loans because instead of the balance going down it continues to climb with some of the rates being over 12 % I borrowed a total of XXXX that has turned into XXXX with making payments for 6 years. I am desperate and need help and these lenders especially now are predatory and not helping at all. I also cant release my mother from being a cosigner so this is affecting her as well. Please Help they call at least 10 times a day from different numbers to collect something we dont have and have told them this cant even find my loan agreement on the website
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (TX)

On XX/XX/year> I received a letter from XXXX XXXX XXXX stating I now owe them {$16.00}, XXXX XX/XX/year> XXXX XXXX XXXX responded to my request for the original instrument with a court case filing however I had not received proper notification nor was I served by XXXX XXXX sheriff. 

On XX/XX/year> I received a solicitation letter from a law firm stating XXXX XXXX XXXX had taken legal action against me on behalf of OneMain.
Consumer complaint received 2020-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I have worked in public service in California universities for the last 16 years and have been crippled by educational debt while my lender continues to deny me Public Service Loan Forgiveness benefits. Though I have been paying off my XXXX loans since XXXX, and my graduate loans since XXXX, my current balance is over {$35000.00}, a balance, though 30 years old, is significantly higher than the principal I borrowed. Just this year, we were unable to secure a loan to refinance our home because of this staggering debt to income ratio almost exclusively from my student loans. 

Please find attached my letter for the CFPB Complaint Resolution Group regarding my formal complaint against loan servicer FedLoan and the US Department of Education and their failure to administrate the Public Service Loan Forgiveness Program along with attachments documenting FedLoan 's mismanagement of the program.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I filed a dispute with the credit bureaus that this account is incorrect. Midland Credit Managment is stating that I have a balance of {$370.00} from XXXX XXXX. I have informed them numerous times that this account was paid in full years ago with XXXX XXXX XXXX   but yet Midland Credit continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that Midland Credit get an update account information from XXXXXXXX XXXX XXXX and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The midland funding LLC account # is XXXX.
Consumer complaint received 2020-11-20
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. (NJ)

I have asked TransUnion, XXXX  and XXXX to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Consumer complaint received 2018-01-17
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA