davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

This is a Complaint against Conn 's. I paid owed a little over XXXX on a charged off dept. I reached an agreement to pay {$53.00} for full and final settlement. I paid it and have a letter stating same. I have bank confirmation of payment and emails from the man I did the transaction with telling me he would take action to get the phone calls, text message and emails to stop. They have continued for 3 months even after I have asked several times for them to stop.
Consumer complaint received 2020-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The reason I am filing this complaint is due to the fact that I believe that I am not being given proper consideration to avoid foreclosure on my home. I initially attempted to seek all retention programs in effort to keep my home but was advised by SLS that my account is not approved for consideration and could not supply any financial information to be reviewed for an option to keep my home such as a modification. However, I was told that they would allow me to sell my property through a short sale program. I followed their instructions and listed my property for sale. As of XX/XX/ I received over 6 offers on my property however ; SLS refuses to allow us to the opportunity to submit them although they specifically told me that they would consider all offers provided I list my property for sale. This is devastating to me because I already felt I was forced to sell my home due to the fact that they would not review any documentation for consideration of a retention program especially given that I wanted to keep my home and can afford it. My hardship has been fully resolved. So, to get to a point acquiring several offers to be only told they would not be considered is a huge blow. 

As it stands, we have a full priced offer at {$680000.00} and I am requesting that SLS allow my respective listing agent to submit the offer to the short sale department for consideration.
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

My son, XXXX XXXX passed away in XXXX ( 2022 ). I provided copy of death certificate and was told loan dischargement request was approved in XXXX. I was told it would take 30-60 days to finalize. It has been over 60 days since the approval. Account is with Nelnet # XXXX under my name, XXXX XXXX XXXX. I have made full payments since XXXX.
Consumer complaint received 2023-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have tried to submit disputes with Equifax via Phone, Fax, and postal mail for a XXXX  XXXX XXXX account which is being reported on my profile that is not mine. I called Equifax again on XX/XX/2023 at XXXX XXXX EST. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the Equifax automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my Equifax report are due solely to being the victim of their XXXX data breach. Equifax has tried to send me a settlement of {$44.00}, I would prefer if Equifax would properly update my profile. Equifax 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided Equifax with FTC reports, Police Reports, and valid documentation from creditors proving what they are reporting is incorrect, yet Equifax fails to update my profile. I would like all inaccurate information to be deleted and suppressed.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Im XXXX XX/XX/year> credit acceptance co the charge me a lot of interest rate plus the add gap insurance I never no about I need to take am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following inaccurate information reporting to my credit : credit acceptance Inaccuracy Found I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
lawait your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes Sincerely,
Consumer complaint received 2020-03-08
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: AMERICAN EXPRESS COMPANY (NJ)

This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX  on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with AMERICAN EXPRESS to validate the account reporting is accurate and confirmation there is a legal obligation to this company AMERICAN EXPRESS. I complaint was also filed against AMERICAN EXPRESS by the XXXX XXXX XXXX Complaint # XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 
This particular complaint is because AMERICAN EXPRESS has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, AMERICAN EXPRESS continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that AMERICAN EXPRESS is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue AMERICAN EXPRESS for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that AMERICAN EXPRESS is still reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting which under investigation.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I have tried on three occasions now to get LexisNexis to remove a bankruptcy they have listed on my profile.I have sent LexisNexis a written letter from the bankruptcy courts stating that they do not give out such information neither do they verify the accuracy of such records. I have proof that i sent my first letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX, XXXX.They responded without providing me any copy of any original documentation of their claim. I sent a second round of letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX. This time they did not respond at all to me within the thirty days nor after. When they failed to respond i sent them a thirty day non-response letter on XX/XX/XXXX which they received on XX/XX/XXXX. They again responded without providing me a copy of the original documentation which is required under the Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. They are also reporting addresses that i am not associated with that i will like to be removed.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

I filed a dispute with XXXX for 3 separate bills reported from the XXXX XXXX XXXX  South Carolina on XX/XX/2014in the amounts of {$170.00}, {$300.00}, and {$210.00}.

I never received mail or phone calls regarding this debt. I only learned of it through checking my credit score on XXXX XXXX. I filed the dispure because I have no recollection of being treated at this facility or ever even being there for that matter. I asked for some type of documentation that I was at that facility such as a photo ID or anything and they were unable to provide me with anything.

I filed the dispute via mail. These derogatory marks were soon cleared from my XXXX report but have since remained on my XXXX  report more than a year later.
Consumer complaint received 2023-05-25
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. (CA)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
The inquiry was not authorized XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XX/XX/XXXX/XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AR)

Everyday, even on Sundays! They call every 45 mins to an hour. I know I need to make a payment. I have a pending WC claim from being injured at work. As soon as I have money I WILL pay them what I owe. Please help stop this! I cant take it anymore. Over 8 calls a day!!
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo took my home of years from me around 2017 and i was making my payments, they applied my money to another account number, please look into my problem because ii did everything i could to save my home and Wells Fargo gave me the run-a-round i ever have paperwork to prove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ i XXXX in the same house but the address was changed and so was my account number, can you tell me what happened because as of today i am devastated they thru me out as well as my daughter, please help me make sense of this!! 

i can give accounts number when requested Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My experience with Wells Fargo was many years ago back in XXXX. I dont know if this lawsuit will go back this far but it was an awful experience with Wells Fargo . The property address that was mortgaged address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

When making payments to Mazda Financial Services ( MFS ), we can electronically submit payments ; however the company only allows for the payments to go toward interest first, then toward advanced payments. I want to make principal only payments, but to do so am required to send a paper check via USPS, which adds more than a week, effectively creating an additional cost to pay off my loan early and reduce my principal balance due. Other lenders allow debtors to select on the website how each payment should be applied. If MFSis going to accept electronic payments, they should be required to permit the debtor to select how the funds are to be applied ( provided the minimum monthly payment has been met ). 
This practice creates an undue burden and costs money to mail, and accumulated interest that is not quickly applied to the loans. They have many customers, which generates huge revenue in additional interest charges. Thank you
Consumer complaint received 2020-10-06
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. (AL)

Transunion has refused to conduct a investigation after I have sent letters explaining and pointing out the inaccurate information on my report I will upload all documentation, accounts that should be closed reporting open, collection account reporting a past due balance, Terms being updated on a charge off account and the list goes on Transunion has ignored my disputes by responding with stall tactics, this is destroying my credit
Consumer complaint received 2024-03-22
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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (NY)

I have a XXXX month no interest promo on my account for purchases starting XX/XX/year>. I paid all of the charges that occurred before XX/XX/year> on time. Every month since then I have been charged a {$1.00} minimum interest fee and there is still a balance showing that is accruing interest. I spoke with someone in XXXX and they reversed the incorrectly applied interest charges and said that it would not happen again. On the subsequent XXXX statements I have also been charged the minimum interest fee. 

The major issue here is that my payments are not being applied properly and as a result Ally is able to collect additional interest. In my case the interest is not that significant but it should be refunded nevertheless. I am more concerned about how widespread this practice is because it appears that their payment systems are not applying payments according to the law and they are not honoring the terms of the promotion.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp. (MO)

This company ( XXXX  XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$5200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2023-01-17
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. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-01-17
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. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: HCFS Healthcare Financial Services of TeamHealth (FL)

This account ARS is a complete violation of the no surprise act. Delete immediately my privacy is protected under XXXX XXXX if you fail to remove litagations will follow.
Consumer complaint received 2024-03-21
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. (TN)

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.

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 2020-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ENCORE CAPITAL GROUP INC. (LA)

Yes I have two accounts with this Midland credit management and it's through XXXX XXXX  i been getting all kinds of letters from this bank XX/XX/2020 and they been trying to get me to pay this amount XXXX XXXX and I've done told them I cant pay because I have a fixed in come and i they been sending me all kinds of letter for this it's going on for a year now with this company and the second account I don't even have any more