davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (CA)

My credit report is still showing late payments on XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

My personal data has been compromised and being used to open accounts with Chase Credit Card company. I have contacted them several times in the last several weeks and informed them that I have not open an account and I asked them to block any further applications which they stated they could not do. I advise them that this is official notification and that anything going forward is harassment. Not very helpful at all. 

Accounts open with my first and middle names. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-05-02
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. (VA)

A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Consumer complaint received 2022-12-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Called on XX/XX/22 to follow-up on the California Mortgage Relief Program . California sent a request for services information. I was treated very rudely by XXXX. I attempted to call the office of the customer and my POC was unavailable. I called to find out why the state is still waiting on information. I was told by XXXX that the state isnt sending everything. I asked why else they need from me and she stated getting adversarial towards me. She even sighed and said she was sick and tired of explaining things to me. I asked her can she please tell me what else is needed for the state. She got angry and started yelling at me. I then asked for a supervisor. I was transferred to XXXX # XXXX who was acting very condescending. Was continuously asking me if I was treating me fairly without answering my question. He then finally stated that LoanCare has note responded. LoanCare continuously withholds information for mortgage relief.
Consumer complaint received 2022-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CT)

Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. 
Shortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. 

While making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said " no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. 

After paying for almost a year, Sallie Mae " jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is " off the hook '' for any of the obligation even though he's the only one to benefit from these loans.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

I opened a BP credit card on XX/XX/XXXX. Because I was barely using the card, the company closed my account on XX/XX/XXXX. The status is " Paid, Closed ''. I did not have any balance on this card but I noticed that they have reported XXXX late payments. I am trying to contact the company to resolve the issue ( or pay the amount if it is my fault ) however the BP accounts have been transferred to SYNCB. SYNCB has no information about my account. This problem has significantly reduced my credit score and I do not know how to resolve it or who to talk to. I disputed this on XXXX but no information came out of that either.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

The XXXX XXXX company was open XX/XX/2019 account has been paid off and its still on my report showing open it wasnt even supposed to be on my credit report because I closed the account the first week I got the insurance and the company told me i wasnt going to have a balance since I closed within the same week I opened I also wrote in writing to the company I wanted to close the account thats what they asked me to do at that time then I end up seeing it on my credit report of course I contacted the company and informed them I wasnt supposed to even have a balance and why did it report on my credit the debt collector didnt explain was just told the balance and I paid it in full and ask for it to be removed off my account they said two years but its still on there I dont even think it should have been reported I want it deleted I was in no fault
Consumer complaint received 2023-09-13
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)

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Consumer complaint received 2023-05-23
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: ENCORE CAPITAL GROUP INC. (FL)

On my XXXX credit report there is an account from midland credit that is not mine. I call midland credit, and they had information that was not mine. Wrong address and a similar name but not my full name XXXX XXXX XXXX XXXX. The way it Shoubein on all contacts that I sign.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

The XXXX XXXX company was open XX/XX/2019 account has been paid off and its still on my report showing open it wasnt even supposed to be on my credit report because I closed the account the first week I got the insurance and the company told me i wasnt going to have a balance since I closed within the same week I opened I also wrote in writing to the company I wanted to close the account thats what they asked me to do at that time then I end up seeing it on my credit report of course I contacted the company and informed them I wasnt supposed to even have a balance and why did it report on my credit the debt collector didnt explain was just told the balance and I paid it in full and ask for it to be removed off my account they said two years but its still on there I dont even think it should have been reported I want it deleted I was in no fault
Consumer complaint received 2023-09-13
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION HAS FAILED TO RECTIFY ITS AFFAIRS REGARDING MY PERSONAL CONSUMER REPORT. I HAVE SENT SEVERAL FORMAL DISPUTES AS RECENT AS XX/XX/2023, XXXX XXXX & XXXX XXXX ; TO HAVE THESE ACCOUNTS REMOVED BECAUSE I HAVE NOT GIVEN PERMISSION TO TRANSUNION TO FURNISH INFORMATION ON MY BEHALF. PURSUANT TO 15 USC 1666 ( B ) ; 15 USC 1681b ; 15 USC 1681o ; 15 USC 1681n and 15 USC 6802 TRANSUNION HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND IS LIABLE FOR WILLFUL NON-COMPLIANCE AND NEGLIGENT NON COMPLIANCE. THESE ACCOUNTS HAVE NOT BEEN BLOCKED NOR REMOVED : XXXX FORMERLY XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  MY FORMER ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this letter with a steadfast determination to dispute the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate and decisive action to rectify this situation, as it is causing severe damage to my financial well-being. I am resolved to see these errors corrected and hold TransUnion accountable for its role in safeguarding the accuracy of my credit report. The following fraudulent accounts have appeared on my credit report, casting a shadow of doubt and mistrust on my creditworthiness : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my relentless efforts and unwavering determination, these fraudulent accounts persist in wreaking havoc on my credit profile, causing irreparable harm to my financial standing. I am not merely requesting but DEMANDING that TransUnion launch an immediate, thorough, and determined investigation into these disputed accounts, ERADICATE them from my credit report, and provide me with a corrected credit report that truthfully reflects my creditworthiness.
Consumer complaint received 2023-11-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC (AL)

This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report 7 years. + 180 days from when it became past due. XXXX purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.
Consumer complaint received 2020-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

I have been reviewing my credit reports constantly because I am trying to purchase my first home and noticed you have me in collections dating back form XX/XX/XXXX. I have sent several letters to Monterey Financial and received no response in any form! This account is listed twice on XXXX  and XXXX Reports only and has been since that date! Thats violating the Fair Credit Reporting Act and I was also just told by the Federal Trade Commission that it is illegal to post multiple dings for the same thing on your credit report. Also, the balance that is being reported is incorrect! You are reporting that the balance has tripled in fees /interest and this is a violation of the Fair Debit Collection Practices Act! You are making false statements regarding the total amount of the debit! 
I spoke with some rude lady on XX/XX/XXXX and she refused to discuss my account with me when I mentioned I had spoken to an attorney about this matter. When I mentioned it be reporting twice on each one of my credit reports and that it has been damaging my credit for a long time, she said she would make sure it was listed as a charge off and remove the tradelines from my credit report. I am giving you this opportunity to rectify this awful situation and remove this from my credit reports and provide me detailed copies of the information. If not, I will move forward with legal action. I know my rights and you have caused me mental stress over you maliciously
Consumer complaint received 2018-05-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (TX)

I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my XXXX student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am deeply concerned about XXXX XXXX and Bank of America trying to coerce legally operated businesses to change their business model and services to support the recent attacks on the 2md Amendment. Specifically, as long as the businesses in question are performing in a legal fashion, their lending and credit policies should apply equally to all businesses and not single out a specific class like firearm, ammunition, and accessory manufacturers. This attack on a specific class oon business is unacceptable.
Consumer complaint received 2023-09-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

XXXX weeks ago I attended an event where I won a XXXX {$100.00} gift card. Over the weekend I decided to use the card, when opening the packaging I noticed the last XXXX digits of the card was scratched off or removed from the packaging and I was was unable to. After looking over the card I see that I had to call to activate the card. I called the customer service team and explained that the last XXXX was missing and I was unable to provide that information. I was told by the rep that without the last XXXX digits they could not activate. They asked I send images along with a copy of the receipt. I explained that I did not purchase this card and would not be able to obtain this. I was told that my case would sit pending until I provided all documentation.
Consumer complaint received 2023-09-13
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)

There are XXXX ( XXXX ) private student loan accounts on my credit report that I have tried to have corrected with Equifax, XXXX, XXXX in the past. The account/tradelines show payments past-due since XXXX of XXXX  by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Consumer complaint received 2024-03-28
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!