davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION (VA)

Received account balance option letter from FreshView dated  XXXX   XXXX  in regards to : Current Creditor-CACH, LLC ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three  options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,  XXXX   XXXX ,   XXXX  , I went to the  FreshView  website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today,  XXXX   XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of  XXXX   XXXX  and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until  XXXX   XXXX ,   XXXX   and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of  XXXX  on this debt before  XXXX   XXXX  as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from  XXXX   XXXX !
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (SC)

You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ). Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access verifiable evidence from the creditor 's financial institution that substance my non late status, which can be attributed to an evident billing error. my consumer report states each of the item below needs to be change in reflection agreed upon payment.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MD)

ACS has changed names/ownership with no notification. Now I can not log in to the new company to pay my bill.

ACS was acquired/merged with Conduent, and now I cant log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad, so I cant be wasting additional money trying to call and being placed on hold for a ridiculous amount of time.

These are the issues that I am having!!
Consumer complaint received 2018-05-17
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: Synovus Bank (TX)

I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.
Consumer complaint received 2023-11-20
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. (NC)

Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Sold to XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}
Consumer complaint received 2023-11-20
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)

Im NOT disputing ownership of this loan! 
My dispute is to question WHY XXXX XXXX CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX XXXX XXXX XXXX XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX XXXX XXXX XXXX XXXX XXXX It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.
Consumer complaint received 2018-05-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NJ)

I am paying Navient every month for mt student loans and, over the years, I've been experiencing a number of problems with them. The most prominent has been their customer service. They offer the opportunity to set up automatic payments online, but the system never worked. So, every couple of months, my account would go " delinquent '' and they would harass me with automated messages on a daily basis until my account was paid. I had to reach out to them by other means THREE DIFFERENT TIMES explaining that the problem was with their automated system. I would even review my account online before calling to ensure that my automatic payments were established, only to find out over the phone that my automatic payments were NOT established. I am hurt that this could have made impacts to my credit score over the years that I may not be aware of.

The next problem I have with Navient is that they are playing around with the interest rate percentages on my loans and also changing the amount owed from some of them. I had one Stafford Subsidized loan sitting at 2.500 % interest and less {$900.00} left to pay suddenly change in the last month or so to 3.280 % interest and OVER {$900.00} remaining. I am currently taking monthly screenshots of my account and can have more information in another couple of weeks. I am pressing this review because I just learned today that I can submit a complaint through the CFPB and will be submitting a duplicate for Navient 's federal loans too.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank has been calling from different numbers and even going as far as blocking their number asking for someone that no longer works here for the last month. I have asked them repeatedly to stop calling as the person they are looking for no longer works here, yet they continue to call. I have told them that I will report them for harassment, but they are continuing to call. 

The number of times they call is unnecessary as well as distracting when one is trying to work. I have turned my ringer off of my work phone as I am receiving multiple calls a day from them and sometimes I miss work related calls because of this. The multiple calls distract not only me but my colleagues as well.
Consumer complaint received 2022-12-08
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. (NC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

When I first noticed this account CONNS CREDIT CORP I disputed it. It came back verified so I disputed it again asking for a verification of debt explaining to them it wasn't my account I know no such company. I never got anything back but another verification of debt. What are they verifying because it isn't my debt. It has impacted my credit tremendously. I have been denied numerous times for this account alone. Not only is it not my account and they are aware of this issue. But they have also violated my FCRA Rights by not reporting accurate information on my credit report. I have contacted them several times with no response back. Meanwhile they continue to report late payments each and every month on an account that is already charged off. The payments are late by default there should never be any late payments added to a collection account. I have since filed a report with the FTC for identity theft against this company and for violating my rights to the fair credit act for not reporting accurate information. This was my next step to trying to be heard about this issue.
Consumer complaint received 2023-11-20
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. (PA)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (MA)

AutoPay authorization was set-up for a specific amount, and Lightstream withdrew a balloon payment despite not having authorization for that amount. Additionally, their website incorrectly reflected the amount that was going to be withdrawn, resulting in a overdraft fee on my personal checking. I transferred funds to my checking account to cover the payment, however, Lightstream refuses to refund the fee that was incurred due to their broken website and unauthorized payment.
Consumer complaint received 2023-11-20
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)

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 XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I paid off my car lease through XXXX XX/XX/2022. I've called multiple times to the lease-end department as well as the title department. I've been on hold for a record of over 3 hours at a time with the title department, with no one picking up. When I've reached the lease-end team, they tell me they can't help. They told me they have sent my title to the IL and MD XXXX and provided me a tracking number that is fake. The tracking number does not track on USPSXXXX and when I call the XXXX XXXX XXXX XXXX XXXX in both locations, they do not have a title on file for me. At this stage, Hyundai is giving me the run around, after a year of paying off my lease, and refuses to mail me my title. Should this complaint go unanswered, I plan on filing a police report and pursuing legal action.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Couch Lambert LLC (OK)

XXXX XXXX had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than two years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact XXXX XXXX about repayment but their best offer was to repay it in three months and been in good standing or repay it in 6 months to close the account. This would put payments at {$800.00} each month for the three month or {$3600.00} each month for six months. This is not viable for myself or anyone who is working below $ XXXX annually.
Consumer complaint received 2022-12-08
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. (VA)

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
Consumer complaint received 2023-12-11
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: ProCollect, Inc. (TX)

In 2021, I initially requested debt validation from Pro Collect as well as asking XXXX, XXXX, and XXXX to investigate that the information being reported on my consumer report was accurate. Procollect at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with Procollect or XXXX so as I requested again the due diligence is on the XXXX XXXX to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor Procollect. 

I have asked Procollect to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact.

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.