davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NC)

Was told we could qualify for SCRA by XXXX XXXX  as well as XXXX XXXX XXXX. Lending company sent documentation stating I could attach a copy of my XXXX  ID as well as XXXX  orders to show qualification and we could move forward. A month later was denied, and told to send in more documentation, personal information from my husband. We sent in documentation after what was asked and told that was still not enough that even though he was XXXX XXXX on orders, it had to be " temporary XXXX  orders '' like a XXXX or we did not qualify??? Every time we call I get a different answer, and the receptionist keeps telling me that it was notated I was extremely rude when in fact I am frustrated and trying not to loose our family car. I have literally begged with this company to help me.
Consumer complaint received 2023-05-15
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. (SC)

XXXX XXXX XXXX- XXXX XXXX The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2024-03-01
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: Self Financial Inc. (CA)

Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance.

As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. 

Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX, and Discover Bank for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I tried to pay off my Wells Fargo credit card with a non Wells Fargo bank account through their app 's autopay feature on XX/XX/XXXX. This was rejected due to a configuration on the end of the Non Wells Fargo account, and led to a suspension on the usage of the Non Wells Fargo bank account. I fixed this configuration and called Wells Fargo to un-suspend the account. They were able to get this done within two different customer service calls, and said I was good to pay off my account. After this call I was told that I could use my account as normal as long as my issue with the configuration of the Non Wells Fargo bank account was resolved. I paid off my credit card using this Non Wells Fargo account successfully, but the account got re-suspended anyways. I called 3 times and each representative said that there shouldn't be any problems since I was able to pay off my card. I tried explaining that the issue was that the account was now suspended, but each said that there was no problems. I was eventually directed to the LineOfBusinessExecutiveOffice for support, which just redirected me to customer support. It's an endless loop that is tanking my credit score for an issue that I can not resolve myself in any way.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
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. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

EQUIFAX XXXX XXXX
Consumer complaint received 2023-09-12
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. (NJ)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NerdWallet, Inc. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, I have the right to privacy. 15 USC 1681 section 604, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (MO)

My account balance should be {$0.00}. According to my last statement, XX/XX/year>, my XXXX balance was {$0.00} and total minimum payment due is {$0.00}. Also the Interest charged was {$0.00}. My current balance should be {$0.00} and updated to good standing and not be a negative on my account.
Consumer complaint received 2024-04-12
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. (UT)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (NC)

Subject : Urgent Request for Resolution of Incorrect Debt Collection Notice Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a concerning matter regarding a debt collection notice I received from Synter Resource Group, LLC, pertaining to an alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. The referenced account number is XXXX, and their file number is XXXX. 

Upon receiving this notice, I was alarmed to discover that I supposedly owed {$50.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a debt that I neither recognize nor am responsible for. To clarify, I have never entered into any agreement with XXXX XXXX XXXX XXXX XXXX XXXX, nor have I signed any documentation obligating me to pay such a debt. 

This is not the first time I have encountered such an issue with Synter Resource Group , LLC . Last year, they sent me a bill for {$25.00} under similar circumstances, which I promptly paid to avoid any potential damage to my credit. However, I refuse to be subjected to such unjustified demands repeatedly. 

I want to emphasize that I have maintained a good credit history, and I am deeply concerned that false claims like these could adversely affect my credit score. It is crucial to rectify this situation promptly to prevent any unwarranted harm to my financial reputation. 

I have already contacted Synter Resource Group, LLC, expressing my dispute regarding this debt. However, I am reaching out to your esteemed bureau to seek further assistance in resolving this matter swiftly and conclusively. I request your intervention to investigate this erroneous debt collection attempt and ensure that my rights as a consumer are protected. 

I kindly ask for your guidance on the appropriate steps to take to address this issue effectively. Additionally, I urge you to take necessary actions to prevent Synter Resource Group, LLC, from engaging in such deceptive practices in the future. 

Thank you for your attention to this matter. I eagerly await your prompt response and assistance in resolving this troubling situation. 

Sincerely, Applicant My Contact : XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS ALDOUS XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from ALDOUS WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (AR)

I received two debt bills one is account number XXXX with an amount owed of XXXX XXXX I have already contacted the hospital and had my insurance added to it and was told it brought the total down to almost XXXX. Which I am currently making payments monthly on. The second debt received is account number XXXX for XXXX $ which I have never received a bill for such amount and do not know how that could possibly be the case
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX called me in XX/XX/XXXX telling me i owed XXXX to check n go from XXXX, then they called on XX/XX/XXXX saying i owed XXXX to check n go so they gave me a payment plan for XXXX per month till XX/XX/XXXX, so i called them back to get a copy of my contract. and a validation letter from them, they said i signed the contract but they would not give me a copy or send me a validation letter so he was telling me are you drunk have you been drinking, i dont drink beer. and said you get what you deserve he said he was going to sue me, i told him i have a lawer. he hug up on me, so i tried to call him back and the call kept dropping he would never answer i called like XXXX times so i went to the bank and canceled my debt card. thank you.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kansas Counselors, Inc. (MD)

This collection agency, Kansas Counselors, continued to contact me about this account after I asked them to cease and desist all contact. 

I told them this violates my consumer rights under 15 USC 1692K. I have invoiced this collection agency 5 times for {$1000.00} each time since my request them to cease and desist. 

The collection agency indicates that this debt will renew beyond the original debt year of XXXX through XXXX. This violates my consumer rights in the state of Maryland which has a statue of limitations on debt collection of 3 years. 

I am requesting validation of this debt in writing.

I further ask for proof that Kansas Counselors are licensed and bonded to collect debt. 

Moreover, I want the original purchase order agreement from the original creditor. 

The original creditor has no authority to furnish any account information to a credit reporting agency without providing any and all disclosures required by law, and by doing so the creditor and collection agency Kansas Counselors has violated 12 CFR 1006.34D 15USC 1681S27A. 

This creditor has failed to send the requested validation of this debt in writing and this vilolates 12CFR 1006.34 B5 Further, this collection agency did not offer me a chance to dispute this debt and this violates 12 CFR 1006.C4I but placed this on my credit report anyway.
Consumer complaint received 2023-02-18
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. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX XXXX XXXX  COMPANY Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau XXXX XXXX is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX ] XXXX XXXX ] XX/XX/year> Consumer Financial Protection Bureau Subject : Dispute of Collection Account Reporting Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported on my consumer report by [ Name of Collection Agency ]. Despite residing in the state of Maryland where the statute of limitations has passed for this debt, the collection agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have furnished this account to consumer reporting agencies, negatively impacting my creditworthiness and consumer rights. 
Furthermore, I have not been afforded the opportunity to dispute this account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's failure to adhere to this regulation has deprived me of my rights to verify the accuracy of the reported information and potentially correct any errors or inaccuracies. 
Moreover, the collection agency 's actions constitute a violation of my consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). By using false, misleading, and deceptive means to pursue collection of this debt and reporting it to consumer reporting agencies without providing required disclosures, the collection agency is in clear violation of federal regulations and statutes designed to protect consumers. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the situation. Specifically, I am seeking the removal of this collection account from my consumer report and any associated negative impact on my credit score. 
I have enclosed copies of relevant documentation supporting my dispute, including evidence of the expired statute of limitations and any correspondence with the collection agency. 
Please inform me of the steps that will be taken to address this dispute and provide an estimated timeline for resolution. I can be reached at the contact information provided above if you require any further information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-02
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. (NJ)

I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and transunion. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (AZ)

I over pay my RV loan every month. It is not much, but they are not crediting my account properly. At least I don't think so. Then after months I see the payment amount due drop down and I still pay the {$1000.00} every month, there is no extra principal applied, but they sure take the interest freely. I feel like I am getting XXXX  and I don't like it. My loan is over $ XXXX and I want to get it down asap, but MT Bank does not seem to be helping. I did reach out and they told me they can apply it however they see fit. I have the message exchange regarding that information. I just need to make sure this bank is acting in good faith and taking care of me in the proper way.