davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report as provided by Equifax. I use XXXX names XXXX XXXX XXXX, XXXX XXXX XXXX I will upload a screenshot, a copy of my electric bill, insurance information.Equifax displayed on XX/XX/2024 what they wanted to put on my personal information file. 

Please confirm receipt of this letter and let me know how you plan to resolve this issue. Under the Fair Credit Reporting Act, you are required to investigate my dispute and respond within XXXX  days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with Enterprise Car Sales on XXXX XXXX. 
I entered into this contract agreement with XXXX XXXX XXXX without XXXX ). Full disclosure of my right to rescind XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that DEALERSHIP willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$4200.00} } was needed in order to drive off of the lot. 
Pursuant to 15 usc 1605a - a finance charge is sum of all charges. 
Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (ME)

Hello, My student loan service provider, EdFinancial has not been communicative in all my phone/email attempts. 

Prior to student loans resuming collection, I went in and paid off the full amount on one of my loans for a total of {$20000.00}. 

However, on XX/XX/XXXX, autopay processed before that went though. As a result this caused a credit on that loan of {$260.00} owed back to me. 

I've reached out via phone and email about this situation and was told they would look into it on phone and get back to me, to which they have not. In email I wrote and got a reply back telling me great job paying off two seperate loans, which I had paid off years ago, so this wasn't relevant at all to what I was asking. I've coninued calling regularly requesting time and time again that this credit be issued back to me or applied to the balance of my still existing loans and haven't had any luck. 

This has been going on for over 2 months now.
Consumer complaint received 2024-08-05
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: Hatfield Portfolio Group LLC. (TX)

The reporting of this account ( XXXX ) is/are violations of 15 USC1681a, The Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.? Except as provided in paragraph ( XXXX ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device OPEN LATE PAYMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CT)

In XX/XX/year>, pursuant to the XXXX XXXX XXXX XXXX, my wife and Is student loan in the amount of {$XXXX} with ED Financial was forgiven. 
XXXX continues to incorrectly report this account this account as owing {$XXXX} ( The other credit bureaus have removed it. ) I have twice filed complaints with XXXX ( XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX : XXXX ) ) to get the balance removedagain, as the other XXXX reporting agencies ( XXXX and XXXX ) have correctly done. 
XXXX simply doesn't explain why they are the only Credit Bureau that continues to report this incorrectly. 
Bizarrely, when I contact ED Financial in an attempt to get them to communicate, they say they can not locate the account. 
At the point, the only impediment to home ownership is this listing as I was recently declined a mortgage because this account is incorrectly listed as our owing {$XXXX}.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Firm of Karl Frankovitch (CO)

This account was sold to the consumer in question this account was paid for in full by the state of XXXX XXXX XXXX which means it can't be paid twice by law I'm protected also by law I didn't give permission for XXXX to advertise it on this account also protected by law this is a form of identity with both parties for not getting permission
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.
Consumer complaint received 2024-08-03
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Moore Legal Group, LLC (NJ)

I was dealing with Meadowbrrok legal Group ( now called Moore Legal Group LLC-XXXX XXXX XXXX XXXX XX/XX/XXXX and they have settled 2 accounts for me and I have transferred more than enough money to Meadowbrook to paid off for both accounts since XXXX XX/XX/XXXX but they are not paying off to the Debt companies. Fund is with XXXX XXXX. 

I have send numerous emails since XXXX and they are always saying they need more time. When I asked XXXX XXXX they are saying they are the third party and they never received anything from Meadowbrrok legal Group ( now called Moore Legal Group LLCXXXX XXXX ) I am loosing the money as monthly fees from XXXX XXXX , they are charging me as a monthly fee for the transactions
Consumer complaint received 2024-08-03
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: Universal Payment Corporation (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX XXXXXXXX XXXX 
XXXX XXXX {$19000.00} UNIVERSAL PAYMENT CO XXXX XXXX {$340.00}
Consumer complaint received 2024-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NV)

I tryed to pay for food through there, on. Line. Service to get food and did not get to order. There, all " so '' is a fraud procees. An bank account to Food Stamp card arrangement cause the bank did not give XXXX to me for the food purchase at XXXX.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Enhanced Recovery Services 2, Inc. (WV)

I received a call today on my cell phone from an individual looking for my spouse 's relative ; he did not provide his name or company information. The area code belonged to my area and call screening said they were calling about a delivery ; I am expecting a delivery, so I answered. He said that they were attempting to deliver certified mail to the relative 's address and provided the address, which is how I knew that it was indeed a relative. I stated that the person is related to my husband and I can relay a message but I'm not in close contact ; we don't live in the same state. The caller asked if XXXX is my name, and I said " yes. '' He provided me a phone number and reference number to pass along to my relative. I did, and the relative said they do not have knowledge of any collections and did not provide my information to anyone. Relative confirmed they do not even have my phone number. 

I called the number that called me ( XXXX ) ; a man answered " hello '' but did not respond to my questions or say anything else. I called the number that was relayed to the relative and was connected to a " XXXX XXXX '' at either extension XXXX or XXXX. I stated that I was getting calls for someone not at my number and he asked if I knew the person by name. I said that yes, I know them, but I am not connected to them. He said that he would send the information to someone who can remove my number and then disconnected the call before I was done speaking. I called back a few moments later and asked XXXX for the mailing address to which I can send a certified cease and desist letter for calling my number. ( I have gotten several calls in the past but do not know if I still have the call history ). He refused to provide the address or name of the company, stating that my phone number was not associated with any accounts. 

The number I was instructed to pass along is XXXX. A XXXX search of that number brought me to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX website, which lists Enhanced Recovery Services , Inc. at XXXX XXXX XXXX XXXX, XXXX FL XXXX as the owner. However, XXXX maps shows the business to be permanently closed. 

Since I answered " yes '' to the first individual who asked if my name was xxx and the business seems to be closed, I am concerned that I made myself a victim of a scam.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Clear Start Today (MA)

Hi recently order background check thru XXXX  XXXX  and the results are saying " SSN Trace produced no matching results with the applicant information provided. Reasons could include : applicant uses a different name when obtaining credit or the applicant has no established credit likely due to a young age. '' another result saying '' XXXX XXXX XXXX XXXX-AN ( All Names ) -Includes Sex Offender Registry and SSN Trace '' red flag please let me know how can i get this fixed.
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Education Principle Foundation (MA)

I am writing to file a formal complaint against XXXX regarding the denial of my request for student loan cancellation and refund of all monies paid. This complaint is based on the grounds that I was misled by my school, and my loans originated between XXXX and XXXX, which makes them eligible for cancellation under the current guidelines. 

I enrolled at Art Institute during XXXX and took out private student loans through XXXX ( formerly XXXX XXXX ) as well as federal loans to finance my education. I was assured by the school that the education I would receive would lead to gainful employment and that their programs were highly regarded and accredited. However, I later discovered that these claims were misleading and that the school did not meet the promised standards. 

I have applied for the Borrower Defense to Repayment application with the federal government and was approved, with all funds refunded. 

Here are the grounds for my complaint : Misrepresentation by the school : The school made false and misleading statements regarding the quality and accreditation of their programs. Similar to the case outlined in the lawsuit against XXXX XXXX XXXX ( XXXX ), where the schools made false claims to obtain financial benefits, my school engaged in deceptive practices to enroll students. 

Eligibility for Loan Cancellation : As per the current guidelines, XXXX borrowers with loans originated between XXXX and XXXX can apply for loan cancellation if they were misled by their school. My loans originated during this period, and I was clearly misled about their educational value and career prospects. 

Previous denial by XXXX : Despite providing evidence of the misleading practices by my school, XXXX denied my request for loan cancellation. This denial is unjust and does not align with the protections provided under the False Claims Act and the principles of consumer protection.
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Money Tree Lending (WA)

I feel I was taking advantage of if they would look at the debt to income ratio understand I I'm only getting Social Security that they would understand that I can't afford this I have a vulnerable adult with XXXX money tree
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC (MA)

Dear MOBILOANSLLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

My student loans transferred to XXXX XXXX in 2023 ( a subsidiary of Nelnet ). I have these loans from my XXXX at XXXX XXXX and I have gone through a period of XXXX XXXX when I obtained my XXXX. The monthly statements I received from XXXX XXXX starting in XX/XX/year> have consistently noted I have XXXX payments remaining on the loan term. That number had not changed since I went into XXXX XXXX  with a prior loan servicer. However, with deferment ending, I received the statement dated XX/XX/year>. Without any notice or reason for the change, my statement has been adjusted to reflect that I now only have XXXX payments remaining. This would imply that the period of time I've been XXXX XXXX somehow counts down my term of the loan remaining. I have paid the interest that has accrued throughout my period of deferment so the principal balance is roughly the same as it was when I XXXX XXXX The payment now showing as due is {$310.00} which is almost double the amount I was paying prior to deferment. I have placed XXXX calls to XXXX over the past XXXX days, XXXX and XXXX respectively to ask why my terms remaining was suddenly cut in half. They have repeatedly stated that " things change '' without a logical or founded explanation as to why my term remaining was reduced. 

I understand the loan is mine to repay and I intend to do so, but under the remaining term as was originally agreed. I have expressed my frustration to this payment shock on the call and the XXXX representative said " they get that a lot '' but again, could not explain why the term of the loan remaining was adjusted down. I would like my account returned to the prior status of having XXXX payments remaining.
Consumer complaint received 2019-07-12
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: EQUIFAX, INC. (CA)

To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: URS Solutions, LLC (IL)

I made 3 payments of XXXX dollars still not sure of this loan! I asked for a copy of the loan! Just told that I owe XXXX plus with fees! I called the company XXXX XXXX XXXX I was told I'm not n their system and they would have a record if it was sold to a debt collector ( URS ) and they do not! I spoke again to the debt collector and I was told that wage assignment is being sent to my employer for to start collection from my paycheck! I have documents I signed with the debt collector and receipts! I'm not aware of a loan with this company and if I am I would like to see the paperwork
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porania, LLC (NY)

I am writing to dispute the accuracy of the information appearing on my credit report. Recently, upon reviewing my report, I noticed that a bankruptcy and collections has been included in my history. this information is incorrect and has caused significant impact on my credit history.
Consumer complaint received 2024-07-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX Va started a process for eviction on XX/XX/XXXX. all parties were to appear in court on XX/XX/XXXX. In the court ruling, the judge ruled that there was no debt to be owed and that I was to vacate the property by XXXX week from that date. Suppose I vacate from the unit. There is no debt owed. The judge ruled no suit with no debt owed. 

As of XX/XX/XXXX, XXXX XXXX XXXX hired a third-party debt collector " Fair Collections & Out. To collect a debt of XXXX dollars. For the past year. I have been disputing this debt for the entire time. 

They have violated Fair Debt Collection Practices Act ( FDCPA ). Without a signed contract, I did not permit Apex Apartment to give my debt to a third party. 

When I spoke to the debt collection agency, I recorded them in the act of trying to settle the debt with a settlement. They tried to settle the debt with me without all parties present on the call. That's a violation of equitable subrogation law : equity jurisprudence, and a violation of suretyship representation. All parties of a settlement of equitable debt. Case Law : XXXX XXXXXXXX XXXX  XXXX XXXX ( Supreme Court of Rhode Island. XX/XX/XXXX. ) We must understand, the moment a debtor makes a payment on a debt. They are not the primary surety of the debt. And can step in the shoes of the primary creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have recordings of these conversations with them and all the credit bureaus.
Consumer complaint received 2024-07-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

XXXX XXXX NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ( XXXX ) XXXX The debt owed to XXXXXXXX XXXX XXXXXXXX was mistakenly attributed to me due to a mix-up with another XXXX XXXX in XXXX XXXX XXXX Our similar names, close social security numbers, and birthdays caused confusion. I applied to live at XXXX in XXXX or XXXX and believe they mistakenly associated my information with hers. I have screenshots of messages from the other XXXX XXXX confirming the debt is hers, and her address is near mine. I reported this to my local police department and have a case number. Despite emailing National Credit Systems Inc. 's disputes department, I have not received a response. This debt is not mine, but rather belongs to the other XXXX XXXX.