davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC (SC)

XXXX XXXX XXXX signed us up for Greensky and XXXX Bank handles Greensky lender program. On XX/XX/year> XXXX XXXX came into our home and destroyed two bathrooms trying to reduce a standup shower and another tub/combo shower. The issue here is after everything was done horribly wrong I called owner XXXX XXXX to talk about issues and he gave me excuses for XXXX weeks. Went to see him and asked about moisture barrier and he kicked out the showroom at XXXX XXXX XXXX XXXX XXXX XXXX. During this time XX/XX/year> called Greensky to open dispute and they said we will hold XXXX XXXX monies until the company made efforts to fix all issues. None of this happened and I found out the merchant was paid same day and greensky lied to us. Greensky has had this under XXXX reviews and still hasn't done a single thing. Me and wife have spent XXXX now to reduce everything but Greensky just laughs and says what else can I help you with. The bad part of the job their merchant did was to use plaster poured inside my septic and both shower and tubs had cracks and were leaking causing XXXX mold. I need serious help with this issue. XXXX months later still no resolution with either company. XXXX XXXX  owner XXXX XXXX just laughed in our faces saying we are a XXXX star company and I told you how to use a showet. Accused us of destroying the units and he stated we were closing shower doors backwards and this isn't possible. Turned XXXX XXXX into XXXX and they received a XXXX fine for not having a license. Also never pulled proper permits in XXXX XXXX XXXX.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (GA)

I notify XXXX about the inaccurate balance and payment history reporting wrong on my consumer credit report. The XXXX customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy federal has sold the alleged debt to XXXX XXXX XXXX. Navy Federal Credit Union is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : HSN / Synchrony As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment.

When I disputed this account, HSN / Synchony showed 14 past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX days ; XXXX XXXX  days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt.

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported Charge Off ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

I received an email notice about a change from mohela loan servicer XX/XX/XXXX that they were taking over from XXXX. XX/XX/XXXX received another notice change had taken place. On XX/XX/XXXX I filed for bankruptcy. Because I was supposed to pay during bankruptcy and had been making payments to XXXX  ( which they returned my payments ) up until XX/XX/XXXX. I tried to connect with mohela to no avail. On XX/XX/XXXX, I filed a complaint with studentaid  that I could not access my loans to make payments. On XX/XX/XXXX, received a noreply email that mohela had been notified by federal student aid that my payments to XXXX had not been forwarded to mohela and returned to me. After too many failed attempts to reach assistance for access to my account, I gave up. Next time I heard from U.S. Dept of Ed was XX/XX/XXXX regarding my pslf program and again on XX/XX/XXXX about covid relief ending. Again, tried to contact mohela to locate my information, no avail. Last email notification from mohela was about making sure my information was up to date at studentaid.gov on XX/XX/XXXX. XXXX XXXX XXXX, I still can not reach anyone for my information. XX/XX/XXXX, through my bankruptcy attorney had gotten a name to contact, XXXX XXXX, left a message and still have not heard from her. Filed a complaint with Missouri division of finance and still no response.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WI)

It is a Paypal acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from XXXX to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (AL)

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have an issues with the KOHL 's credit card in the following steps : XXXX. I did a purchase in KOHL a while ago ( probably XXXX this year ) and I then was asked for personal information to open an account with KOHL, which I didn't informed of it was a credit card application 2. but after that I had never received a card from KOHL and I didn't know I have open an credit card account with KOLH 3. after sometime I was told I owe a balance and I had to pay for that, I called the customer service and I had to pay for it but the late fee was waived. At the same time I requested to shut down my account immediately! XXXX after a while again, today I received a mail for KOHL telling me I am still owing money with late fee because the card declined! Then I had to pay for this again. 

In summary, I was tricked to open a commercial credit card and didn't authorize to open the credit with card the collected private information, also after the payment the customer was not informed of the declined payment either, the whole process was non-transparent and happened without my agreement. From my perspective, the customer should have the right to decline any payment or other fee generated!
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TX)

On XX/XX/XXXX, LendingPoint was sent {$10000.00} on loan XXXX, leaving a balance of around {$130.00} left due on the loan. I had made payments of {$5.00} from XX/XX/XXXX to XX/XX/XXXX and then starting in XXXX, the system started to say that I was late with my payment of {$450.00} but that can't be right because I only owe {$120.00} ( see attachment ) I have tried to resolve the issue at least twice this month with LendingPoint and have been unsuccessful. I called again today and was told, " This is an effort to collect a debt. '' I told them, " Yeah, yeah, yeahyour system is messed up. You haven't fixed it. You said you would fix it. You didn't, and I know you are claiming I owe you. I don't, I paid on time, ahead of time. Fix your system. '' I have requested that my payments be adjusted so that a full payoff can occur when the loan matures on XX/XX/XXXX, with a payment estimate to be {$5.00} per month from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-11
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MARINER FINANCE, LLC (NC)

I have had a car title loan with mariner finance for several years. I have noticed that for a least the last 10 payments that I have made to this company doesn't reflect in my payment history. I am absolutely sure that there are some bad apples running this company. I haven't been the best of paying my bill on some occasion because of sickness but when i have paid it doesn't show on my account. Iam at the point i am not going to make another payment until someone explains to me what is going on with my account. The vehicle in question is no longer running anyway an to have to make payments that are not trying to help me get through with this loan, someone needs to contact me an explain wats going on or else we will end up in court.
Consumer complaint received 2024-06-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIBC BANCORP USA INC. (OR)

My CD was due to mature on XX/XX/year>. On XX/XX/year> I contacted CIBC to ask for the procedure to have the funds transferred to my account at the XXXX  XXXX XXXX. I submitted all the required information on CIBC website on XX/XX/year>. On XX/XX/year> I had to call asking for the status of the transfer. The XXXX told me my request was going to be " expedited to the back office and someone would get back to me ''. I never received a call. On XX/XX/year> a XXXX XXXX called and left a message saying someone from their wire department was going to call to get the wiring instructions even though this was all provided by me in my submittal to CIBC on XX/XX/year>. Again, nobody called. I called XXXX XXXX back on XX/XX/year> and she promised that someone would call. Come XX/XX/year> and still no calls. I contacted the bank again on XX/XX/year> and the XXXX said they were going to look into it. Finally, someone from the wiring department did call and I had to provide the bank information all over again. I even had to tell them how much the amount was going to be transferred. Shouldn't the bank know how much money that they owe me? 
This is one of the worst experiences I had ever encountered with a bank. My gut feeling is they were hoping I would give up and let them keep my money.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have no idea what this debt is and never heard from this company. I was never notified of this debt it does not belong to me they are reporting a open balance of XXXX to my XXXX  this ccs collections
Consumer complaint received 2024-06-26
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. (WA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 information is inaccurate.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

To Whom It May Concern, I am writing to formally dispute the presence of a collection account on my credit report that has already been paid and is currently at a XXXX balance. Despite the account being settled, it remains on my credit report, negatively impacting my credit score and financial standing.

This collection account, which was fully paid on [ date of payment ], should not continue to appear on my credit report. As a consumer, I am entitled to an accurate and fair credit report under the Fair Credit Reporting Act ( FCRA ). The continued presence of this settled debt is both inaccurate and unfair. request the immediate removal of this collection account from my credit report. 

I also request a method of validation for the continued reporting of this collection account. This includes : The names and contact information of individuals responsible for verifying the account 's status. 
Copies of any emails or other correspondence regarding this matter. 
Certified mail receipts or other forms of documented communication confirming the debt 's current status. 
According to the FCRA, specifically under 15 USC 1681s-2 ( b ), furnishers of information are required to promptly update and correct information with the credit reporting agencies. The failure to update the status of this paid debt violates this provision.

Please ensure that this collection account is promptly removed from my credit report. I expect confirmation of the removal and a corrected credit report reflecting the accurate status of this account. 

Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

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