davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

Kay Jewelers have been falsely reporting that I owe them approximately {$4600.00}, since XX/XX/2023. I provided my personal receipts, and the receipts that the then manger gave me, from my payment history inside the store at the XXXX XXXX located in XXXX, FL. 
Additionally, Kay Jewelers have not properly credited all my payments from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card. Nor was my over the phone payments to Kay Jewelers properly documented to my Kay Jewelers account, especially when Kay Jewelers credit card was initially rejected by Kay Jewelers inside the store for me to use to make a purchase several times. So, I used XXXX of the above mentioned cards to secure my purchase of jewelry items I wanted. Kay Jewelers also relocated the then XXXX XXXX manager outside the Florida to another state, after he verified with Kay Jewelers and Comenity bank, now taken over by Community that I had paid off all my purchases on the Kay Jewelers credit card with my bank statements. 
Since XXXX of 2023, Kay Jewelers have destroyed my credit rating, flagged my account, and used their influence to negatively effect my payment history with XXXX XXXX  as well to include XXXXXXXX XXXX  closing my XXXX XXXX XXXX XXXX XXXX XXXX so I have no other option but to use Kay Jewelers card for my purchases. I have had to put my house hunt on hold, as well as launching my business ; due to

Kay Jewelers falsely reporting Lies on my credit repot and history. kay Jewelers has also violated my civil rights by falsely reportin
g my credit report and causing me to overpay for items I have already paid for, and forcing me to pay interest and late fees on purchases already paid in full which took my credit rating from XXXX down to current rate of XXXX, based on their LIE. Kay Jewelers have violated my 1st, 4th, and 6th Amendment rights by continuing to report this LIE, making daily, relentless, and harassing phone calls to me, my friends, and family members, and discussing my financial information with people without my permission.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX & XXXX CARD 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 60 days 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 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 XXXX
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Purchased Windows to be fabricated and installed by XXXX XXXX. XX/XX/XXXX the team was at my house to start the install. During the install it was obvious that what was fabricated was not what I had ordered. Every window had an extra 1.5 inch frame which reduced the glass by at least 3 inches. Some windows were fabricated with a different grid pattern, some were way to large to be installed, all were far too small and required at least 2 inches of caulk to fill the gap. All of the windows facing the XXXX leaked when it rained. What did get installed, they installed over the rotted wood. Every window was fabricated with the grid being XXXX inches from the side, which caused the XXXX inch windows to look like jail cells. My kitchen window was so bad they weren't even in disagreement. My foyer had XXXX windows of which I had a picture window fabricated. They left the frame which had grooves on the top and the bottom of the window, where the T was. They expected me to patch it with paste, and stain it, with the understanding it is in a foyer on the second floor. After 7 months of them coming out to my house, they still had no solution. I instructed them to cancel the install, process a refund and I would purchase from another company. XX/XX/XXXX I requested XXXX XXXX be at my home to remove the partially installed windows the same day the new company would be installing. XXXX reps from XXXX XXXX came to my home XXXX weeks later to pick up the windows and I instructed them that I had left the rotted frames on all of the windows to show management. XXXX XXXX has refused to process a refund to this date.
Consumer complaint received 2024-07-26
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)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (RI)

I have tried calling into Nelnet since the start of the repayments to ask about the relief on of my XXXX loan that has been in repayment status since XXXX. I am never able to actually reach a representative unless I want to wait on the phone for over an hour. I am sorry but I don't have this type of time to waste on the phone. I did transfer the loan from XXXX in XXXX of XXXX to be able to qualify for this relief that is being given per XXXX XXXX. I did reach out to student aid.gov and was told to reach out to my student loan provider. I have also sent a few email through the Nelnet portal, I still have not received a type of response from the email back in XXXX of XXXX. I also can not find any of the sent emails as Nelnet will not show the sent emails, only the inbox. 

I tried again to reach out to them on XX/XX/XXXX to find out a couple of question : XXXX the status of my XXXX XXXX XXXX XXXX XXXX application that I had to do AGAIN in order to afford my payment. not happy as it looks like it is resetting the loan back to XXXX payments on my XXXX and graduate loans. XXXX. I just made a payment of XXXX on XX/XX/XXXX and the applied it how ever they felt. I wanted this to be applied to outstanding intrest. XXXX. I again want to see about the relief on my XXXX loan. When I finally made it through all of the prompts it was an estimated wait of XXXX mins. This is just unacceptable for a company to leave its customers in the dark with very little communication regarding this information.
Consumer complaint received 2019-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a vehicle via Santander which was stolen in XX/XX/2017 after only a few months of ownership. I contacted my auto lender and Gap immediately and now after the vehicle XXXX was paid off at {$20000.00} less the deductible of {$1000.00} and Gap paid off {$4000.00} I am shocked to see that Santander is reporting the account as being in a derogatory status and that I am owing a balance of {$4000.00} with a high balance of {$25000.00}. I have attempted to divulge from this company where the balance derives from as I am not aware that I owe a balance after the payoff. I have subsequently been advised by Santander that the balance relates to interest and fees. Santander has offered me a settlement amount of {$1800.00} to pay off this so-called debt but failed to answer how these fees have been calculated? I have not yet received a response from Santander and this inaccurate entry still reports on my credit files causing hardship and is damaging my credit. As per The Federal FCRA section 623 ( a ) ( 2 ) of the FCRA 15, U.S.C 1681et seq. : including sections 615 to 629 I demand proof pertaining to these fees and require legal evidence that the balance that is reported is owed. Please provide me with this information immediately as I am not prepared to wait any longer for you to remove this inaccurate information and be aware that I am keeping precise records of this event and that I will seek legal recourse from the courts in the form of a small court claim against your company for damages relating to ( 2 ) years of inaccurate reporting against me.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

I have a {$700.00} loan with CashAdvanceNow. I took the loan out on XX/XX/XXXX. Every 2 weeks they are taking out {$210.00} I asked in XX/XX/XXXX what the total was to payoff and I was told that it was {$930.00} via ACH. I could not afford that amount all at once so I have made 5 more payments since that time. I called today XX/XX/XXXX which is approximately 2 months later and now they are telling me the payoff is well over {$1000.00}. I Am not in agreement with this as well as I asked to pay extra money into the Principal and they stated that was not possible but extra money goes into both Principal and Interest. I told them I them and escalated to a Supervisor, that I was going to report this that they are independent of the Federal Government the US rules do not apply to them. I would like to discontinue this loan but this is a trap and the closer I get to the end the more I have to pay.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

My existing mortgage companies escrow department was asked by my new lender for a pay off statement, they then froze my account without telling me which allowed my taxes to become delinquent, I was then fined {$170.00} by XXXX XXXX. 
From what Ive been told by people in the industry this is illegal and that they have an obligation to pay the taxes that they have collected from me right up till money is transferred.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Looking at my consumer report I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NM)

On my XXXX, equifax and XXXX XX/XX/year> on my reports a balance of XXXX dollars was provided to a collection agency name XXXX XXXX illegally from the consumer by the name of XXXX i asked for a cease order they are constantly bothering me Im in process of trying to purchase a home and this is hindering me based on consumer law 15 usc 1692 c this is highly illegal I want it removed immediate please and my score increase back to the right amount
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (SC)

I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX   XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. 

As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. 

Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. 

This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.
Consumer complaint received 2024-07-03
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. (MD)

I am writing to express my deep frustration and disappointment regarding the persistent inaccuracies and unverified negative entries on my credit report. Despite multiple communications and disputes, your department has failed to address the following erroneous entries attached on the letters.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC. 1681 ( e ) ( b ).

And according to 15 USC. 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that location that the information has been modified or deleted from the file of the consumer.

And according to 15 USC. 1681s-2 they are suppose to 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IA)

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : 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 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 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 XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My repeated requests to correct and remove false and inaccurate information from my credit report continue to be denied or ignored. As a consumer, I am aware of my rights, which are being violated by the inaccurate reporting from these companies. This misinformation is damaging my credit score and having a detrimental effect on my life.