davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (NJ)

For the past couple of months I have been attempting to have extra remove any/all late payments or any other unsanctioned action on my consumers report that are not up to federal codes or in compliance with congresss congressional findings. 
As per 15 usc 1666 states that there should be no transactions reported to my consumers report with my consent or authority. I have also asked extra to provide my with the laws granting them the authority to report negative remarks. 
They have not responded. They have not sent any laws rebutting my claim. So I demand they removed the 4 months of negative items which are causing great harm and are not in accordance with federal laws. 
See 15 usc 1681b permissible purpose and definition, as well as 1681c requirements related to information on consumer report.

To add congressional opinions see 15 usc 1692 a-k.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc (CA)

In accordance with The Fair Credit Reporting Act THE BEST SERVICE COXXXX Account number XXXXhas violated my rights.15 U.S.C 1681 section 602A states that 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.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (IN)

In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

just saw this report on my credit report from equifax. 
This is wrong and I did not own any company money. 
Please remove this incorrect report from those company just try to collect some {$80.00} dollars that I did not owned. 
Thanks for your support, Bests regards, XXXX XXXX
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

When I contacted walmart regarding the interest fee on my credit card, i asked how much was the intrest fee and how often? They said to me it was every month and that is was only {$12.00} intrest a month. 
I believed it but always wondered why i owed so much money? I just received a new card and the app to log into my account and so i did, thats how i got to see they are charging me wayyy more for intrest than i can imagine and for every purchase i believe? 
My monthly payment is, every XX/XX/XXXX i always give my payment before the XX/XX/XXXX yet they still gave me a late fee on XX/XX/XXXX when i gave my payment XX/XX/XXXX!?!?!?!? I DONT UNDERSTAND!? 
So far i can only see my interest fees from XX/XX/XXXX its : ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$35.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee 37.51 & late fee XXXX ) ( XX/XX/XXXX interest fee {$36.00} ) ( XX/XX/XXXX interest fee {$38.00} ) And for this month i already paid {$100.00} on XX/XX/XXXX. 
The balance on my account does n't go down AT ALL! I will be attaching pictures and prove of what i am talking about i circled everything in different colors on the pictures ( Sky blue means : Month, Payment & Payment Date ) ( Yellow : Interest Fees ) ( Red : Late Fee ) ( Green Means : Not Sure What They Charged )
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (UT)

On XX/XX/19 received a notice from Credit Collection Services stating {$840.00} was owed by XXXX XXXX for Creditor : XXXX XXXX. Called CCS XXXX and informed them that we have never subscribed to XXXX XXXX and its not even an option in the area that we live in. The address on their records was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Washington. We have lived in Utah for over 60 years. The number given to me to call at XXXX was disappointing, they could not bring up the account and wanted additional information that I refused to give because they could not provide any specifics that they were a legitimate business XXXX. 
CCS has called every day for weeks. How do I get them to stop harassing us for a debt that is not ours?
Consumer complaint received 2023-11-01
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 

XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} .Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (IL)

I submitted an application to consolidate my student loan balances on XX/XX/XXXX to take advantage of the IDR waiver/forgiveness plan. At the time, there were three balances ( two serviced by XXXX and one by XXXX ) outstanding. As part of that application, I requested to be placed on the REPAYE- Now SAVE repayment plan. I was placed in an administrative forebearance during this time.

There was no action taken on this consolidation request for over 90 days. As the deadline was quickly approaching to take advantage of the IDR waiver, I began receiving past due notices from both XXXX and XXXX that my loan payments were not received ( XXXX XXXX from XXXX ). I submitted payment to XXXX in XX/XX/XXXX to keep the loan current, but was more concerned as to why I had received no correspondence surrounding the status of my consolidation request or payment notices for either loan in XXXX. 

I reached out to the studentaid.gov website where I initiated the consolidation request to inquire about the status of my loan consolidation and noted that my servicers were showing me as past due in their respective systems while information on the dashboard indicated my request was still in process. I was directed to speak with my servicers directly as studentaid.gov did not handle payment matters, however as part of my consolidation request I had also elected a new servicer. I was directed to view the dashboard regarding the status of my consolidation request and so began the circuitous effort to determine the status of my loan consolidation request as well who was my current servicer and when and how much they needed to be paid. 

My consolidation request was processed by XX/XX/XXXX, however I have now been placed in a standard repayment plan with no record of the number of payments that were counted toward my IDR repayment plan. My loan has been reset with another 30 years of payments. I have been paying on these loans for XXXX years and now I've been reset to pay for another XXXX. I contacted my servicer ( Edfinancial ) and inquired as to why I have been switched to a different plan. I was told that I need to resubmit a new form to be placed on a new plan. Time is running out as I understand in order for me to be on one of these plans eligible for forgiveness, I would need this paperwork/process complete by the end of XX/XX/XXXX. 

I want to be placed back on the REPAYE/SAVE plan that I was on with all of the benefits availed to those on those plans - previous payments counting toward forgiveness in XX/XX/XXXX years. My loan balance has ballooned XXXX from XXXX until now with each consolidation/new form submission request.

I would also like to know my payment count toward the forgiveness goal.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NE)

On XXXX XXXX XXXX I have made a payment of XXXX dollars. 
On XX/XX/XXXX I have made a payment for XXXX For a total of XXXX. I have confirmation by bank and ed financial of this payment. 

However, they only gave me credit for XXXX dollars and XXXX for a total of XXXX. 
They claim that I needed to fax my bank records and proof of payment over, so I did. I have been waiting month for anything. Finally they claimed there is credit on one of my loans as over payment for XXXX. There is still XXXX dollars not posted anywhere. 

They will not move that over payment over, they will not give me back my money. Even with the over payment, Im still short They tell me there is no time limit on when they have to do anything. Meanwhile, those loans that were suppose to be paid off are still collecting interest. 

They have quite literally stole my money and are holding it from me. I have done everything to pay OFF my loan in full, and I get scammed on my student loans when XXXX trying to do the right thing. I am refusing to pay anymore off until this company gives me back my money or puts it towards my loan. Please help me!
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

On XX/XX/22 I spoke to a representative and informed them that I am a class member of the XXXX XXXX XXXX XXXX and in XXXX finally had my loans removed per yhe lawsuit settlement. Edfinancial who was the servicer of the loans at the time of the removal completely deleted my account after my forgiveness was processed. I waited patiently since XXXX figuring the process of a refund will take time. When I spoke to a representative from Edfinancial they informed me that I do not have an account and said I should speak to the department of education about a refund, I I formed them I already spoke to the DOE and confirmed it is the servicer who can give me info regarding a refund. My loans were direct consolidation loans and should be eligible for a refund per the lawsuit settlement. I attempted to speak to another rep who might be more knowledgeable and helpful, the rep i got was more helpful and said that refunds may be delayed due to the large volume of refunds they are processing and she was looking into what info she could give... unfortunately after that I lost connection to the chat.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

My employer sent on a monthly basis {$100.00} through " XXXX '' a third party vendor that manage those payments, to Ed Financial. they did applied XXXX payment, however, they have not yet apply XXXX payment for the amount of {$100.00}. I've followed up twice with Ed Financial and Nothing yet. I'm, getting worries that they are mismanaging those payments therefore my loan is not amortizing correctly and timely, at the worst, they are appropriating my money.
Consumer complaint received 2024-06-17
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. (TX)

I file a complaint with Equifax through the CFPB concerning unauthorize use of my consumer report. Equifax responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of E-Oscar or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my identity report for your investigation. Remove the following Inquiries below. 
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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Thank you for removing some of the inaccurate items from my credit report. However, there are still inaccuracies that need to be addressed. I am writing to inform you that I have been a victim of incorrect credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items that were opened without my knowledge, consent, or authority within four business days if provided with the following : ( 1 ) Proof of my identity ; ( 2 ) A copy of an identity theft report ; ( 3 ) Identification of the disputed information ; and ( 4 ) A statement asserting that the disputed information is not related to any transaction by me. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XX/XX/XXXX. You have four business days to remove these inaccuracies from my credit file. I do not authorize the use of E-OSCAR or any automated verification systems.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OH)

in accordance with the fair credit act XXXX  account numbers XXXX has voilated my rights 15 usc 1681 section 6028 states i have the right to privacy 15 usc1681 604 section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Late XX/XX/XXXX, I discovered an erroneous delinquency on my TransUnion credit report. I submitted a dispute to TransUnion on XX/XX/XXXX. 

On XX/XX/XXXX, TransUnion notified me via email that my dispute was resolved and results were available. Upon checking my account, TransUnion provided the status of " updated : Rating : Historical Trending Data ''. Upon checking my TransUnion credit report, I found that no information had been changed. 

The same day ( XX/XX/XXXX ), I called TransUnion to get more information on the results of the investigation. The agent claimed she could not see what had been changed on my credit report and would need to follow up within 48 hours. 

As of XX/XX/XXXX, I have received no further communication from TransUnion. Their slow response to updating my credit report resulted in me having to settle for a higher interest rate auto loan since most major banks use TransUnion for credit reporting.
Consumer complaint received 2024-07-09
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: CITIBANK, N.A. (OR)

The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX and my social is XXXX. I have a pep boys account serviced by synchrony bank. I paid my bill on time last month. There was a fraud issue that happened with my bank account 5 days later after I paid my bill and my bank shut my account down. Pep boys then told me they didnt recieve the payment and reported me late. I spoke to customer service about the issue and they waived the late fee but are taking me in circles about reporting my account paid on time. I do not understand this because the person i spoke to didnt know why it took them 5 days to take a payment from my account and they would work on seeing to get my credit profile updated which never happened. I would just like my credit to be fixed. This has caused my score to drop 10 points when I made my payment on time.
Consumer complaint received 2024-07-12
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. (DE)

Prior Investigation CFPB XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late Payments are still reporting on my credit report, I requested closed accounts to be removed This was not done on your end Experian Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX  The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. 

You are reporting late Payments experian, On my credit report which is actually illegal According to the FCRA. Your willful non compliance will be noted and exhibited. 

In your previous response you must stuck to me to contact the attorney general, which had no relevance to my complaint Why would I contact the attorney general when you experian call the ones who are reporting the information and violating my rights.