davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (CA)

Hello, my name is XXXX and I really hope you can please help me. Begging you can help me fight PayPal credit who is siding with a scammer. This is a follow up to my previous complaint that is NOT resolved XXXX. XXXX will preface what happened. On XX/XX/XXXX I made a purchase using " Goods & Services '' using my PayPal Credit ( line of credit that you can use on purchases ). I spoke with a seller on the website " XXXX '' and this a forum site where there is a group for people who buy and sell collectibles XXXX '' figures called " XXXX XXXX '' ( here is the company official site to showcase what these figures look like so you can understand the quality and pricing XXXX XXXX XXXX ) I speak to a supposed seller and we agree to a price and I pay him. A few days pass and I noticed the tracking number he provided was bogus, nothing was updating despite him saying " he dropped off the XXXX  at the post office ''. I noticed the interaction was fishy - I contact PayPal to open a dispute against the transaction. At this time, the seller isn't quite smart because he admits to scamming me, he attacks me personally and makes comments like " I can tell you've never been broke '' and confirming he indeed scam me. I notify PayPal and they said they need to wait until the package shows up. Well, a package does show up, the box is very small ( mind you, these are XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX figure I supposedly bought ) and I open the box to a case of XXXX  XXXX. I contact PayPal and they put me in a limbo and run around. Eventually they CLOSE the case IN THE SCAMMERS FAVOR. I'm literally DUMBFOUNDED as to HOW this scammer was able to get away with this. This is awful, this person now has deleted their XXXX  account, erased their digital footprint on that site. I've been a customer of PayPal credit for over 10 years and to be treated like the criminal here being OUT {$350.00} is absolutely mind boggling. To make matters worse, whenever you call them, you are speaking to representatives that operate outside the United States so no one truly cares or can understand how XXXX and white this fraud is. I have ALL the messages and pictures. I seek for a full refund please please please I am begging for help. I've attached XXXX pictures of the conversation with the scammer : For explanation - the scammer username is " XXXX '' and MY personal username is " XXXX ''. XXXX XXXX - XXXX contains the conversation and picture XXXX has his confession of scamming me. Picture XXXX and XXXX are of the package he sent to me, which to clarify again, is NOT what I ordered. Lastly picture XXXX - I had messaged the moderator of the XXXX XXXX XXXX and the moderator has a display name of " XXXX '' and he also confirmed that this person has been scamming other members. This makes it worse cause this shows that this individual has other claims made against him and STILL paypal is SIDING with a criminal. I beg you to help me please
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (VA)

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Ally Financial has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Ally Financial is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AL)

My father XXXX XXXX purchased a house for me in XX/XX/XXXX. He passed away XX/XX/XXXX. I am the representative of the estate and the house mortgage is now through Nationstar. Apparently they loss the documentation saying I was the representative of the estate and turned off m ability to make payments on account. I have tried to make payments numerous times as well as my wife. I have called and left messages with XXXX XXXX my account rep. and not return calls concerning this matter. I send in paperwork pertaining to certain issues and they lose after receiving it or say they never got it. Two days ago is when I found out talking to Nationstar that they said they had no paperwork on me as being the representative on my dads estate. Talked to them today and now the paperwork has shown back up. In all this has me in the rears on my payments by 5 months and threatening to foreclose on my house. Now they are saying I cangive them almost {$3000.00} plus lawyers fees to keep my house. My XXXX payments only come to about {$1300.00} which I have been trying to pay and catch up. If Nationstar ahd not screwed up my account like this I would not be behind in payment. The mortgage use to be with XXXX XXXX XXXX and they also lost the paperwork and tried doing the same thing. After my lawyer XXXX XXXX contacted XXXX XXXX XXXX about this matter and they corrected it. Nationstar has not tried in anyway to help all they want to do is take my house. My wife is on XXXX and me trying to do everything and now to try to come up with {$3000.00} to probably {$5000.00} to pay them is ridiculous. I am at my whits end and dont know what to do.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2023 I requested the current name of my employer to be updated to " XXXXXXXX XXXX XXXX XXXX  ''. 
All three credit agencies ignored my request.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-18
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 (OH)

I didn't receive the statement My address was not updated and also I was out of the country. The company does not have any number to call to pay bill if one is out of the country.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Dear EQUIFAX I submitted a complaint on XX/XX/year> with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/year> Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

I am not liable for this debt of {$670.00} with NATIONAL CREDIT ADJUSTERS , L.L.C, NATIONAL CREDIT ADJUSTERS , L.L.C Account Number : XXXX I do not have a contract with NATIONAL CREDIT ADJUSTERS , L.L.C, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment
as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

I have been trying to fix my student loan account before the XX/XX/XXXX deadline since XX/XX/2023 in order to get on the XXXX plan and alleviate interest accruing on my account and to be able to pay my loans. 

I have submitted multiple times to be switched over to the XXXX plan and each time there has been something wrong on the Nelnet side of things. Each time I provide the information, it takes them 15 days or more to respond on what I need to do next. After I provide that information it takes them another 15 days to process in order for them to get some kind of an error. 

Because of this fault from Nelnet by not completing my application and not putting my loans on XXXX, my loans have accrued over {$1000.00} in interest since XX/XX/2023. They also do not have a timeline anymore on when this will get fixed.
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (KS)

I have repeatedly disputed the collection account for NCA, requesting verification of debt ( VOD ) and supporting documentation. Despite my efforts, I have never received any paperwork or information regarding this account and have no knowledge of its origin. Each time I dispute, no additional information is provided, which prevents me from addressing potential fraudulent transactions. It has been over two years since my initial request, and I have fulfilled my responsibility in seeking this documentation. This situation is unacceptable, and I request that this account be removed from all credit reporting immediately.
Consumer complaint received 2024-06-19
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AZ)

I messaged them XXXX to ask about the predatory interest and he said nothing. 
XXXX I asked why they did bi weekly when I was told it was Monthly and asked for monthly contract. She said sorry he lied but I signed it and I asked for changes to the term and she denied.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (NY)

I am submitting this to formally the credit Bureaus will dispute the inaccurate account that appears on my credit report. The account is incorrect, and I request its immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within given time frame. 
XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.