davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-05-06
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AZ)

I submitted a Qualified Written Request via US Mail to inquire why Freedom Mortgage is requiring an abnormally high amount of Property Tax to be held in Escrow. I received no response. I also received no response when contacting their 'Customer Service ' telephone number. 

I have attached Fig. 1 - County Assessment & Tax Bill Fig. 2 - Tax Rate which falls in the Municipality of my property address. 

Freedom Mortgage needs to disclose where they are getting their numbers from. Freedom is requiring upwards of 3 times more than any current County Tax Bill I've received to be Escrow-held when I received a sizable Escrow refund from Freedom recently in XX/XX/2023. 

There needs to be an explanation backed by supporting documents, and Municipality Notices of Assessment, to justify such a high amount related to Property Tax Escrow amounts held, as indicated in their most recent Escrow Analysis. 

Please investigate & resolve. Thank you.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (WA)

I received notice via US Mail from : Zions Debt Holdings XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They state they are acting on behalf of a company : XXXX XXXX Account Number XXXX for services from XX/XX/2021 I have been the victim of numerous data breaches and spent hours and hours of time and energy dealing with multiple similar circumstances. If ZION had merely looked at my credit history they would see I have no history pertaining to that area of the USA. 
They also have no record of me accepting any said services.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

On XX/XX/XXXX, I properly submitted my request to transfer to the new SAVE IBR plan for student loan repayment through the federal student aid website ( which I was directed to by Nelnet 's website. ) On XX/XX/XXXX, the federal student aid website reports that my application was processed. The same document states that Nelnet processed the request on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into Nelnet to confirm my payment was reduced. ( Originally it was set to be {$330.00} in XXXX, the federal IBR calculation placed my obligation at {$54.00}. ) Nelnet has my payment at {$330.00}, still. I called them to find out what was happening on XX/XX/XXXX. While I was on the phone, after I entered by loan information, I received an email stating that my IBR application was in process and that I would be updated in 10 days with another email, regardless. 

It is now XX/XX/XXXX and ( 1 ) I have not received an update email on whether the IBR plan was processed, ( 2 ) I have attempted to call for an update but have remained on hold for ( so far ) 1 hour and 40 minutes ( and counting ), and ( 3 ) the Nelnet site still has my obligation at {$330.00}, due in two weeks. 

I am exasperated by this process and there is no way I can afford that payment. Please help. 

For reference, my student loans are under my maiden name ( XXXX XXXX ), my loan number through Nelnet is XXXX, and the last 4 of my SSN are XXXX. My current legal name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRIMAVERA FINANCIAL, INC. (TX)

REACHED OUT TO COMPANY TO PROVIDE ORIGINAL CONTRACT TO VALIDATE DEBT, COMPANY NEVER PROVIDED INFORMATION, BUT KEEPS VALIDATING DEBT WHEN I DISPUTE IT. WANT THIS DELETED FROM MY CREDIT REPORT
Consumer complaint received 2024-03-05
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Williams & Fudge, Inc (IN)

While I was attending XXXX university XXXX XXXX XXXX XXXX XXXX XXXX XXXX because my grandmother was diagnosed with XXXX and I was her primary caretaker while she was on XXXX  I have told them that and they still charged me almost XXXX XXXX even though I drop out as soon as I possibly could I try to pay it but it was too much especially for a XXXX XXXX who was taking care of her grandmother then Williams and fudge was very rude to me still I suffered from not having this transcript and they did try to help my situation
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The XXXX XXXXXXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : 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.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2022 ; indicating my home address was the same.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (FL)

On Thursday XXXX, my vehicle was repossessed from XXXX ( store # XXXX ) parking lot at or around XXXX XXXX  by Wilshire Consumer/Westlake Financial . I contacted emergency services to be informed that the vehicle was in fact repossessed. I contacted Wilshire Consumer and spoke with a rep who advised she could push XXXX payments to back of loan if I made the XXXX payment of {$290.00} which I did. Since she didnt have any update on my vehicle even being repossessed I called back on Friday XXXX and spoke to another rep who provided me a total of {$850.00} in order to be able to retrieve my vehicle back. I was advised by the rep I needed to pay the amount through XXXX and it would be a direct payment that would post immediately so I proceeded to XXXX. I went to XXXX ( store # XXXX ) and paid {$850.00} and received a reference #. I called Wilshire to provide the details and a rep stated she would notate this information. She also informed me it was no way I would be able to get my car back before the weekend because they needed the payment to post in system in order for them to release the vehicle back to me. I called on Monday XXXX and was informed by a Wilshire rep that my payment was still pending and that I still would not be able to get my car released until that payment posted. I continued to call back for the remainder of the day to inquire about the payment showing up but it continued to show pending. I called Wilshire on Tuesday XXXX and spoke with a rep who stated the payment is showing and a release could take XXXX XXXX stated he would contact a supervisor to escalate the release to my car and placed me on hold. The rep came back to the line and stated in XXXX hrs the release should be sent over for me to get my car back. The release needed to go through XXXX XXXX XXXX just for them to send it to the XXXX company XXXX XXXX in XXXX, XXXX. I continued to call all day and even spoke with a supervisor just to get several different answers that did not line up with my earlier call. One rep stated I didnt it the repo fee where another rep stated it will still take another XXXX hrs after the release was submitted. I even called XXXX XXXX and they tried to contact Westlake to get the release since I had been calling them since Monday XXXX. I reviewed my contract with Wilshire Consumer to see where it states that it would take XXXX hrs or more for a consumer to receive their car back after they paid all repossession cost and I could not find it. They even took my car to another state which had raw meat groceries in the car. I have to make arrangements in order to drive to Georgia just to get my belongings and pick up the car.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (NV)

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. 

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 XXXXXXXX XXXX XXXX has violated my rights. 

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 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (SC)

Aldous and associates is reporting a {$1100.00} collection on my account with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is my understanding that FCRA XXXX obligates us to remove any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I received a letter from XXXX XXXX stating that they want me to settle my debt with 25 % of a XXXX dollar debt. It's stated that I received this in XXXX but I have not received any XXXX
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC (CT)

I leased a car from this company not even XXXX months into having the car the engine blew I was stuck on the side of highway miles away from my home. Eventually I ended up getting car towed back to used dealership & didnt hear anything back for a few weeks. This company harassed me for a payment by calling all of my emergency contacts INCLUDING my employer asking for me. They were demanding payment for a car that was no longer in my possession. Please remove this from my credit report immediately.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX my bank showed XXXX repeated transaction, XXXX for XXXX at XXXX and the XXXX XXXX for XXXX at XXXX. This happened at XXXX locations are not shown in my XXXX statements. Because I did not make the transaction, venmo asked for document such as receipt or anything in writing from the merchant in order to finalize my dispute. With that being said, venmo knows the merchant will not give out information like that to me because I am not a XXXX XXXX. XXXX of all, how can I get a receipt if I never purchased the transaction. Which they knew that too. It took them maybe XXXX day to do their investigation and they came up with unbelievable reasons why they denied my dispute. So I called around every XXXX to try and track down the transaction and final a XXXX from XXXX  office found out the transaction was a XXXX charge yet venmo claims to have called XXXX but never did. And also denied my dispute the XXXX time. Please help.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently ensured payments on this account are timely, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-25
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)

I am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " 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. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past 6 months
Consumer complaint received 2024-05-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (FL)

XXXX XXXX XXXX XXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

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 2024-03-05
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: RentDebt Automated Collections, LLC (OH)

I called to try to settle for less. They refused. I said I would call when I could afford it. They send texts, call, constantly The only reason I have the rent debt is because of Covid. I lost my jobs and couldnt afford my apartment
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Glass Mountain Capital, LLC (MD)

On XX/XX/year>, around XXXX, I received a text from XXXX ( XXXX ) XXXX. Text said This message is from Glass Mountain Capital LLC. Our call back number is XXXX. For more information please click https : //www.glassmountaincapital.com/pay-my-bill.html. They have contacted me multiple times with the same message on XX/XX/XXXX and XX/XX/XXXX, I have no known debts and my credit report reflects the same. As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 2024-03-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 at approximately XXXX XXXX, I made several cash deposits with Citibank 's ATMs at their XXXX XXXX XXXX branch. Instead of depositing the correct amount of {$3900.00}, the first machine took the whole sack of bills and only deposited {$1900.00}. The machine gave back some bills then showed errors and said it wasn't available. I proceeded to another machine and deposited the rest of my bills ( the ones that got dispensed from my original sack ) and the machine deposited {$600.00}, {$500.00}, and {$400.00} respectively. The amount just didn't add up as I'm now {$500.00} short of my original sack of deposit.
Consumer complaint received 2024-05-07
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>