davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian ARG Inc. (PA)

" This message is for XXXX this is XXXX XXXX calling from the process division. I need to verify a current address as well as a place of business address to proceed against you at this time as you are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you oino the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX. and reference your case number XXXX '' I receive this message on a regular basis. The one time I called back they were rude when i wouldnt give them my SSN as well as stating they did not have to provide a leter when I asked for it.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MO)

APPLIED FOR A DISCOVER IT CHROMECARD ON XX/XX/year> ELECTRONICALLY. THE APPLICATION WAS REVIEWED AND WAS NOT APPROVED DUE TO NUMBER OF CREDIT BUREAU INQUIRIES NUMBER OF ONLINE INSTALLMENTS INQUIRIES NUMBER OF TRADES WITH RECENT ACTIVITY IS LOW THEIR CREDIT DECISON WAS BASED NOT ON INFORMTAION OBTAINED FROM CONSUMER REPORTING AGENCIE ( XXXX ). ALTHOUGH, DISCOVERS APPROVAL WAS NOT BASED ON THE INFORMATION THAT WAS RECEIVED FROM XXXX THEY ALSO OBTAINED MY CREDIT SCORE FROM CLARITY AND USED IT IN MAKING A CREDIT DECISION. KEY FACTORS THAT AFFECTED MY SCORE/THIER CREDIT DECISION STATED BY THEM ( DISCOVER ) STATES THAT : NO OPEN ACCOUNTS IN MYCREDIT FIL. THE DATE THAT I OPENED MY OLDEST ACCOUNT IS TOO RECENT. I HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS. NO OPEN REAL ESTATE ACCOUNTS IN YOUR CREDIT FILE. NUMBER OF INQUIRIES ON CREDIT BUREAU. ALSO, SINCE THE ASSET BACKED SECURITY /APPLICATION IE,, PROMISSORY NOTE WAS DENIED PLEASE RETURN THE APPLICATION. THIS DENIAL APPEARS TO BE DISCRMITORYBASED OFF CREDIT TRANSCTIONS WHICH IS ILLEGAL.
Consumer complaint received 2024-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NC)

I was approved for a loan by Sallie Mae on XX/XX/XXXX, the same day my mother, who reluctantly agreed to co-sign, passed away. This approval came shortly after enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX which promised employment opportunities through partnerships with various companiesa key factor in our decision to secure the loan. 

Upon starting the program in XXXX, it became evident that the promised job placement assistance was overstated. Instead of facilitating employment through partnerships, the program shifted focus to enhancing resumes for XXXX XXXX XXXX XXXX This approach proved ineffective, particularly for those with limited job experience, leading to significant attrition among my peers. Despite these challenges, and the personal hardship of my father 's subsequent death from XXXX XXXX, I excelled academically within the program. However, the skills that most contributed to my success were self-taught, rather than a result of the curriculum, which was plagued by disorganization and technical issues. 

My attempts to discuss repayment or dispute the loan with Sallie Mae on XX/XX/2024, were redirected back to the school, with only a temporary payment pause offered as a solution. Given the circumstancesmisrepresentation of the program 's benefits, the devastating impact of my parents ' deaths, and the financial burden of a loan predicated on these factorsI seek to dispute the loan. My aim is not to evade financial responsibility but to rectify a commitment made under false pretenses and during a period of vulnerability. 

I request a thorough review of my case, hoping for a resolution that acknowledges the disparity between the program 's promises and its delivery. Ideally, this would involve loan forgiveness or significant modification, allowing me to pursue more reliable educational opportunities.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX for Address Update Dear Sir/Madam, I am writing to request an update to my address information on my credit file. Please update my records to reflect my current address as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Employment Status : Unemployed If you need any additional information, please do not hesitate to contact me at the address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I underwent a XXXX  XXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CO)

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or XXXX  Days ago I made a payment on XXXX of my student loans, specifically, I paid {$1600.00} on loan XXXX or XXXX XXXX At this time Edfinancial Services transitioned from XXXX website to another website platform. The payment I made on XXXX XXXX or XXXX XXXX never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in XXXX. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a XXXX more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on XXXX XXXX. I never asked or consented for that money to be placed on XXXX XXXX. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Consumer complaint received 2024-04-18
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. (MD)

I noticed some unauthorized and fraudulent activity on my cred report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-08-25
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. (TN)

I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX XXXX and equifax please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Equifax, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIXEVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD FOR YOUR VERIFICATION.Please send me a new report when you are completed so I may continue to verify its accuracy. 
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has been hacked before. Today, on XX/XX/2023 I can not access my accounts on their website!!! And I have 4 accounts!!!! I cant reach them by phone either. 

You can not continue to let these multi billion dollar companies get away with this!!!! 

Their website says we can not access your accounts but were working on it. 

How unprofessional!!!!!!!!!!! And extremely inconvenient!!!!!!!!!!!!
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I tender a payment to Discover in the amount of {$2000.00} on XX/XX/year> via XXXX XXXX MAIL with tracking. That payment was received on XX/XX/year>. Discover has not updated the principal account to reflect that payment and continues to furnish inaccurate information on principals consumer report to third party agencies without do process. I sent Discover a second notice via XXXX XXXX MAIL on XX/XX/year> which was received on XX/XX/year>. Discover has failed to acknowledge payments made to principal 's account nor did Discover send those payments back which means DISCHARGE in accordance with UCC 3-603 Tender Of Payment. This is my last attempt to have discover do what's fair and equitable. If Discover do not update the principal 's account within 10 days I will have no choice but to file a federal claim for securities fraud and report the CFO to the proper bureaus to investigate the principal accounts held with Discover.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (CA)

My personal belongings were stolen including my Social security card in XXXX around XXXX, I didnt notice the UPSTART account on my credit until XX/XX/XXXX when i tried to apply for a credit card and they told me reason for denial is because of UPSTART loan account was in collections. I am providing documentation of a Police report regarding the incident and i asked the Three credit bureaus to put a lock on my credit profile for protection. This account unauthorized and wrongfully opened with my personal information and would like for this to be removed from my credit profile as it is affecting my personal life.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

OXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was returned to XXXX XXXX XXXX in XXXX XXXX voluntary repo. The amount of car I am disputing because that was the initial amount of car. The car repo is still appearing on my XXXX XXXX and XXXX account wrongfully the following laws 15 usc 1681 section 602 8 states the right to privacy 15 usc 1681 section 604 a section 2. States a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RAS LaVrar, LLC (FL)

Ras Lavrar filed a lawsuit against me on behalf of XXXX XXXX credit card on XX/XX/XXXX. On a previous complaint, they claim they sent a validation letter on XX/XX/XXXX, which I never received. I never had an opportunity to validate the debt. As they stated in their letter it was sent on XX/XX/XXXX well XXXX  days falls on XX/XX/XXXX to allow someone to validate the date, instead, they went straight into filing a lawsuit on XX/XX/XXXX. Please see the attached documentation.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I looked up a trip from XXXX XXXX to XXXX  and found that if I stayed 5 days at the XXXX XXXX resort I would get a {$620.00} Property Credit. My stay is checking in the the XXXX  and checking out on the XXXX. I called the agent who confirmed that was the case and that the credit would be issued once the ticket was finalized. Unfortunately, it was not noted on the final receipt. I then called up Amex and had them look up the disclosures for my stay and the confirmed I should receive a credit but that the issue is with XXXX XXXX I called XXXX XXXX  only to have them tell me I need to call AMEX as they need to hit " some kind of Button '' to issue the credit. Long story back and fourth the disclosures I found and confirmed was accurate and they have bumped up my complaint to the higher ups and provided me with a reference NO : XXXX. I received an email below which basically says its XXXX XXXX fault. below is their response : " Thank you for contacting American Express Travel to address this matter. We tried to call you using your phone number saved on file, however, we're routed to your voice mail. We received your case with Reference NO. XXXX under trip id : XXXX on where you wanted to apply the hotel credit promo of {$620.00}. We apologize for the late update due to we're receiving high volume of cases. 


Just a quick update, we've contacted XXXX XXXX XXXX XXXX at XXXX in regards to the promo you saw online. I spoke to one of their representative from Room Reservations Department and I was advise that the day you book the reservation the promo was not offered due to they have black out dates, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Please accept our apology for the inconvenience it caused you. 

Please reach out to us if you have any additional questions we're here for you and want to ensure you have a good travel experience. 


Thank you for choosing American Express. '' _______________________ With that being said I called again to see why they are not offering to explain why they are advertising the dates and they then created another ticket and the manager will reach out which has not happened and I am leaving on my trip for the XXXX. I went even further and told them they should honor that and I will change my flight to accommodate whatever date they said was right. The response was I cant do that as it would cost too much to change the flight I also booked with them. 

Everyone I have spoken with tells me something different and some acknowledge the mistake and others don't. The fact is I booked based on their advertisement. Period. 

I would like them to honor the {$620.00} which they are advertising as of RIGHT NOW.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Can not get through to Transunion on their line, XXXX to report their apparent mistake. An endless series of recorded ads for such services as insurance, devices, etc. can not be avoided or escaped from no matter how you reply.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (GA)

This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. 

Also, both accounts show the same exact account number.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.