davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXXXXXX 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  XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NJ)

We fell behind in our payments a while back because our income had been reduced, due to the vacancy of the first floor that we rent out, hereby losing some rental income, and also I was sick for a few months and could not do much work.

We applied for a modification and discovered a few days ago that we have been denied. The reasons stated were misleading, lies and misrepresentions of the facts. One reason is that we earn over {$10000.00} monthly, THAT IS A LIE! OUR TOTAL GROSS INCOME IS {$6900.00} monthly! They deliberately misrepresented my income from my XXXX  business, saying I earn more than I do, because they choose to not factor in my operating expenses. They used my gross RECEIPTS as gross income and thats incorrect. If I do not pay my XXXX  XXXX  payment, XXXX  insurance, maintain the XXXX, or purchase XXXX   for the XXXX, how can I earn money???? So then, how are they going to ignore the operating expenses of my business and count it as gross income! Gross Income is what Im left with after my operating expenses!

Also, the denial letter said we did not show proof we had a down payment of {$25000.00} on the modification. First of all, they had NEVER asked if we could show proof of {$25000.00}. The denial letter was the FIRST time we heard about that. How can they deny us for not providing something they never asked us to provide? Also, why are we asked to put a down payment of such a high amount???

We feel the bank is making it very difficult for us because they realize that we owe less than thr value of the house and they REALLY want to take the house.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau Services, Inc. (MT)

11 months and 34 days POST final divorce decree issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX ) collections is attempting to collect a debt that is owed by ex-wife. 
The services provided to her post divorce are her bill. Not mine. All Court matters were concluded and over. 
The services provided were not done within the scope of a prior XXXX order it was individual service to my ex-wife. I have no obligations for any services provide to ex-wife at all. 
XXXX tried this before and they had to nonsuit me and I was awarded back by the XXXX 100 % of my fees and costs. XXXX has a judgement against her for the first collections issue but I have nothing to do with that either. The XXXX XXXX ruled 100 % in my favor against XXXX claim the first time they tried this deceptive tactic and XXXX lost. They are attempting to collect on a second situation which is as this is filed pending in XXXX with counter suit against them. XXXX has listed the ex-wife 's debt on my credit file in what i believe to be not legal as there is basis to do so. This was post divorce and I have no obligations for her debts other than what is listed in the decree and this is not XXXX of them. There were never any joint accounts, nothing signed by me, and currently there is a pending court case regarding this matter. They know it is not my debt and this appears to be malicious, deceptive and second attempt because they lost the first time and embarrassed themselves. after they Non-suited me they took 4 months to correct my credit report. 
When they first served me with papers and contacted me I sent registered letter denying the I owed this with in the time frame clearly stating that this is not my debt. They acknowledge receipt of that letter. I ask in writing for their documentation and they refused to provide any. 
This is typical of XXXX here in XXXX and I am seeking a counter suit in this situation and in discussions of a class action status against XXXX as others have had similar situations of their collection practices.
Consumer complaint received 2020-03-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XX/XX/2020 XXXX XXXX XXXX  violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

I am in the PSLF process and I have been tossed around between multiple customer service pathways. 

I have met/exceeded the XXXX payments necessary to qualify for student loan discharge through PSLF. 

My original lender was XXXX. XXXX became XXXX- and neither company exists. If you call the hotline- it's now a call center for medical alert buttons. My previous lender ( XXXX ) advised I call the number for XXXX that sent me directly to the med alert process. 

The United States Department of Education says they can only " see '' payments made from XX/XX/XXXX on. XXXX previously sent me a list of all payments made before they acquired them - and while I was with them. I am now with Mohela and have provided all this information to them and the XXXX. 

I guess my complaint is with XXXX and their abysmal record-keeping. I have no way to reach them. 

XXXX- has this information and has released it to me, but Mohela and XXXX won't accept it as " official '' unless it comes directly from XXXX. When I call XXXX - I get long wait times, disconnections, and told to call XXXX ( you know- the company that doesn't exist anymore ). 

I have clearly made payments from XXXX - XXXX and I just need someone somewhere to give me credit for this. I told XXXX if I didn't make payments for that period of time, they would have known that b/c they would have declared me as defaulting on the loans- which never happened. I always made timely payments. I have worked in public service my entire career. 

This entire process has been a nightmare. 

So I am seeking any type of assistance or resolution. I know I am not the only one who is a product of XXXX record-keeping by XXXX XXXX and the United States Department of Education. 

I have entered into PSLF - and my payment counts are " stuck '' at XXXX -- they are only counting the time they can " see '' from XX/XX/XXXXXXXX  - current. I never defaulted on any loans. I have provided my receipts from XXXX multiple times - and Mohela is being difficult by not accepting anything on letterhead from XXXX they send to me as " official ''. 

I'm beyond upset. This program was supposed to help people like me who gave their lives to public service. 

I am a daughter of a US Veteran. 

Please intervene with : XXXX XXXX XXXX Mohela US Department of Education XXXX have been at this entire process since XXXX of XXXX. 

Thank you
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (TN)

This complaint is about Check Into Cash on XXXX XXXX XXXX in XXXX, TN. I had a payday loan with the company and then lost my job. Well, even though I got behind, I told them that I wasnt working and would be sure to pay it once I was working again and got caught up. I revoked their right to ACH my account, however, on Tuesday, XX/XX/XXXX, I woke up to being - {$290.00} in my bank account from where they took the payment out. I wasnt mad. I knew I was behind and that I was due. The next day, I checked my bank account, looked at my statement, PRINTED IT OFF, took it up there, showed them where it had cleared leaving me negative and rewrote my loan because I had to pay my electricity or it would be cut off the following morning and my gas light came on that morning. 
My bank ended up RETURNING the fee to them the following morning, Friday, XX/XX/XXXX, 48 hours  after theyd pulled it out. Today is Saturday, XX/XX/XXXX and I have since received 7 calls from them since I told them on the phone that I wouldnt be able to take care of that until I get paid on Wednesday, XX/XX/XXXX. They are harassing me. Only leaving one voicemail per day, but calling between 5-7 times per day. 
I work in XXXX. I give installment loans and we do our own collections until a customer is charged off. Our regulations in MY company and every company Ive worked for is that you can NOT harass a customer ESPECIALLY if youve already spoken to them. It is XXXX and Ive received 6 calls on a SATURDAY. 
This is definitely harassment.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

I have a Wells Fargo account that is a joint loan with me and my son. Wells Fargo has kicked back payments my son has made and then charged him late fees and processing fees etc... 

They just impounded the car after bouncing back a payment he made. I find this to be extremely fraudulent activity on the part of Wells Fargo. They also incorrectly state on the credit reports that the payments are behind. They also further incorrectly state on the credit reports that payments are late. They are only late because they kick them back then charge late fees. This is pure extortion!! If you look at my credit record it is spotless except for Wells Fargo and they are causing distress and financial XXXX  to me due to this. 

I have contacted them to no avail. It is a pointless activity to try and get someone who can do something about it. I have disputed the activity being incorrect but then it comes back with even more late payments which is retaliatory actions on their part.
Consumer complaint received 2024-10-18
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-09
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. (MA)

Dear TransUnion, Here I am presenting you the original documents from XXXX showing the bankruptcy being removed by the court because I disputed a fraudulent report on my credit report. XXXX had made it clear that this bankruptcy XXXX  XXXX case number XXXX doesn't belong to me and it was removed because my identity doesn't completely match the court 's documents. Therefore I demand TransUnion block or remove the public record report on my credit report immediately. I attached all documents for you to review it. XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-04-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (IA)

I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.
Consumer complaint received 2023-05-09
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. (GA)

My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (CA)

I obtained a XXXX XXXX from Sunlight Financial and discovered that my principal was not decreasing after several continuous months/years of payments. It also appeared the company added finance charges that were not disclosed at the time of signing. The deeper I looked, the more issues I discovered regarding finance charges, payoff amounts, etc. I attempted to contact Sunlight Financial and have not been able to get in touch with anyone. I can not add a new payment method, speak with a representative, or use any other means of communication. It's almost as if the company as a whole is a scam. Other clients online claim the company is fraudulent and is undergoing a class action lawsuit.
Consumer complaint received 2023-07-09
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: GOLDMAN SACHS BANK USA (SC)

Someone has opened up an Apple Card under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.
Consumer complaint received 2024-10-18
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. (TX)

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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.

AND according to 15 USC 1681s-2 they are suppose to 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. Some of these accounts have no number and are just listed on my reports as XXXX XXXX. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-18
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is response to complaint number XXXX have reviewed my consumer report and noticed that I had inaccuracy of late payments on an account that I was never late for : XXXX, XXXX ( 30 days ), XX/XX/year> ( 60 days ) ( Account # XXXX ) and inaccuracy of " Account Type ''. 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 [ 15 U.S.C. 1681 ( b ) " Accuracy of Report '' ]. I have never been late on payment for the account that I have included in the screenshot inside this complaint. Investigate this billing error [ 15 U.S.C. ( a ) ( B ) ( i ) & ( ii ) and 15 U.S.C. ( b ) ( 2 ) ( 4 ) ( 5 ) and provide me proof with statement showing that these payments were late. In general ( timely notice ) notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after furnishing the negative information to a consumer report agency described in section 1681 a ( p ). In coordination with other disclosures, the notice required under subparagraph ( A0 ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the consumer ; and clear and conspicuous. FCRA ss 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires certain financial intuitions to provide written notice to a consumer before furnishing negative credit information to a consumer reporting agency. If proof can not be provided I demand these payments be updated to " Paid as agreed on time, never late '' as should be due to the fact I was never late.
Consumer complaint received 2023-11-12
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. (CA)

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 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 has 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 an 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.