davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (SC)

The company XXXX Southern Finance ), has been repeatedly told that I am unable to make my loan payments due to low income at the moment. I also signed ( electronically ) according to company instructions a payment defferment agreement for my XXXX payment that the company then tried to say was invalid due to the paper not having a wet signature. I was then contacted about the deffered payment and harassed by phone calls by the company trying to get me to go to the branch to RESIGN the defferment agreement for XXXX in person. By law I do not have to resign something once it was signed the first time. Unethical, miscommunication between the branch and their corporate office is NOT my problem to deal with.
Consumer complaint received 2023-03-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violat

ed my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an o
pen end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (DC)

Me and my wife are being over priced by credit acceptance. We had our car since XXXX. When we look at our credit acceptance portal we noticed our remaining balance is completely different than what's on credit reports nearly XXXX dollars. We truly believe they are not reporting correct balances to credit viewers. We are also individuals who pay them XXXX dollars each month and never was late for payments. Something about our contract was wrong or not known to us. Our vehicle is a XXXX XXXX XXXX. We have so far paid XXXX dollars but have XXXX dollars remaining balance.
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (LA)

This collection was reported TWICE on my account. I went from having no collections to one popping up. the information is incorrect and the dates are all over the place! 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Closed. {$310.00} written off. 

UNIFUND CCR LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Neon Newco Corporation (CA)

A few days ago I received an email to XXXX saying I opened up a credit/debit card at NetSpend.com I contacted the company they said someone had opened up an account under my name and for me to contact FTC. A few days later I received another email to my second email XXXX saying that I had opened another credit/debit card at NetSpend.com when I went to my aunt 's house to pick up my mail. There was only one NetSpend card there. And I have never applied to either one.
Consumer complaint received 2023-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (TX)

The following collection companies continuously harass me on a daily and they do nothing but try to get me to say I'm XXXX XXXX, they will even make up stories or lies to get me to confirm its me, XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$520.00} Re : Complaint against Harassing Collections Practices Stemming from Identity Theft I am filing a complaint due to ongoing harassment from ABOVE collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 


I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

I believe. I have been frauded by Santander Consumer USA on my credit report they have the account XXXX closed and then they have it paid off I have disputed this company on several occasions because the information on my credit report is incorrect also the dates are inaccurate. On one report they have date opened on XXXX and on another report they have date opened on XXXX XXXX and on one report they have this account as a collection account and on another report, they have the status closed for {$6200.00} as a written off charge. Please remove this off of my credit report because this company is using my information for their financial gains from my credit report. 
Thank You Much.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

Jefferson Capital System has illegally reported this unverifiable debt to the credit bureaus without properly validating the debt. I have requested a letter of validation and they have failed to send. They have also submitted to the bureaus an address I have never resided. Furthermore, I am not liable for this debt and I do not have a contract with this company and did not agree to do business with them, so please remove this erroneous information from my credit profile.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ACI Worldwide, Corp. (CA)

I paid ACI Payments ( https : //acipayonline.com/index.jsp ) {$410.00} fee on XXXXXXXX  to deliver {$18000.00} CA tax payment to FTB ( California Franchise Tax Board ) as XXXX  estimated payment. I have confirmed multiple time with the company and they confirmed the {$18000.00} was delivered to FTB. However, it didn't show up in my FTB account. I called in multiple times to FTB and was told they saw the transaction but did not actually receive the money from ACI Payments. The payment was cancelled due to " insufficient fund ''.

This doesn't match with what ACI Payments told me. I was charged a total of {$18000.00} to my credit card ending in XXXX. The credit card was successful and I already paid the credit card bill. Each of the party asked me to the other party. This was a never ending loop that took me so much time, yet the money is still lost. I request ACI Payments either 1 ) contact FTB directly and get {$18000.00} posted to my 2021 tax filing, OR 2 ) refund {$18000.00} plus {$410.00} fee to my credit card ending in XXXX.
Consumer complaint received 2024-01-16
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)

I reacheed out to yu all early XXXX of XXXX and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT YPU ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (VA)

On Sunday, XX/XX/XXXX my XXXX XXXXXXXX XXXX was repossessed through a 3rd party vendor via Bridgecrest Financial LLC. Any repo is a lien. The Truth in Lending Act protects me, I am the Creditor and the Lender, I am a SECURED PARTY CREDITOR with a UCC-1 FINANCING STATEMENT on file. Bridgecrest Acceptance Corporation is the DEBTOR. THE DEPARTMENT OF TREASURY issued a check for, XXXX XXXX XXXX Beneficiary, to pay for this car IN FULL and they have USED me to pay nearly {$600.00} a month for over a year to pay for this car that is already paid for. They have committed forgery, fraud, and conspiracy, I AM A PRIVATE BANKER and I have a trust account. I also suffer from XXXX.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MD)

Received a pre recorded voice message ( robo-call ) from a debt collector representing Synchronicity- 64.1200 ) prohibits automatic dialers with prerecorded voice messages from calling residential phone lines without the prior express written consent of the called party unless the call : is made for an emergency purpose. isn't made for a commercial purpose. 

When a representative joined the line the caller began recording the conversation without requesting permission which is a violation of Maryland 's wiretapping law- Under Maryland 's Wiretap Act,10402. it is unlawful to record any private in-person conversation or any telephone or electronic communication unless you are a party to the conversation and have the permission of all the other parties. Additionally, recording with criminal or tortious purpose is illegal, regardless of consent. 

I immediately advised the caller that they were in violation of these regulations and that I did not want to be recorded, however they did not cease the recording. I advised them that they were to cease and desist all attempts at contacting me. 

Following this I received a message that my account at amazon had been accessed and my phone number had been removed, so it appears the caller accessed my personal information on file with Amazon & removed my phone number from my profile, which they did not have permission to do.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

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, Experian XXXX XXXX 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 XXXX Debt. XXXX, Experian, XXXX 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 2024-01-18
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)

Dear Equifax, I looked at my credit report back on XX/XX/year>, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/year> and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (UT)

Nelnet did not provide me with an answer for my recent inquiry. Nelnet 's answer was for another or previous inquiry and they are not the same. 

I would like to know how many cumulative years I have been on the income driven payment plan and similar programs since I still have XXXX student loans that must be paid. 

I am trying to find out about my eligibility for a discharge of my XXXX loans.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I begun making payment twice a month, and sometimes every 10-15 days within a month to lower my interest rate. This loan is based on accrued rate, so the interest should be about {$9.00} per day between each payment. I made a " Principal Only '' payment in XX/XX/2023 along with three other payment. Westlake took interest out on each payment as varies amount. My objective is to lowest my interest rate by paying every two weeks and making Principal Only payment, however West Lake is using shady math to acquire interest amount acquired for monthly payments. I am unable to make over the phone call in payments, I was told by a representative a payment was returned in XXXX and that is why I'm unable to make over the phone payment. I have never returned a payment. Also, after my down payment, my balance was {$19000.00} West added MotorTran and Service protection plan in the amount of {$1900.00} but on the documents it was doubled in cost. I request a copy of the loan agreement at the car dealer ship but the information was unreadable. My credit score was over XXXX when I purchase this car. I should not have received the interest I received, but because of the inaccurate information lingering on my report for XXXX  XXXX this is what I'm faced with. I should not be held to these tactics when making on-time payment and in good standing with an auto loan. West Lake Financial has failed to provide accurate information to all three credit reporting agency of correct balance and payment history.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I paid this account in full on XX/XX/year> afterwards I used the paperwork to submit a dispute with the three credit bureaus and after the dispute process my account information remained showing that the account still has a balance due and that it is charged off. I understand it will remain as charged off but it should be charged off/paid. The company told the credit bureaus that the account information was correct and that I still owe on the account. This is a false statement and I would like this company to be made aware of best practices when reporting to the credit bureaus.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (MI)

XXXX XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
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)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-01-02
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)

I looked at my credit report on XX/XX/2024 and still noticed Equifax is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX