davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Agency of Credit Control (OR)

They never properly identify themselves on the phone.The phone number is XXXX and they say they are from XXXX XXXX XXXX. I have never had an account with them. They have never sent a dispute letter or any type of correspondence verifying the debt. Spoke to them about sending information, but they refused to verify any information. Also, advised them that I was a senior citizen with only social security as income. So I think the debt is not ours. They also never sent a letter verifying debt or the right to dispute. I asked them to stop, but they continue to call. They keep leaving messages as well.
Consumer complaint received 2022-12-27
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. (NY)

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/ XXXX XXXX XXXXDate of Inquiry XX/XX/ XXXX-Date of Inquiry XXXX XXXX XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All capital one auto financial XXXX XXXX XXXXXXXX XX/XX/XXXX All XXXX  Make no sense.. I am really careful about no make any extra damage applications
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (MI)

I have 6 fraudulent inquiries on my Equifax report, they do not belong to me. I have sent in police reports and also contacted the companys 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 2022-12-27
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. (NY)

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor SNAPSHOT Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

The Department of Education decided -- without payee authorization -- to put loans in forbearance for all those who were " affected by the CA wildfires. '' However, they did this by providing a list of zip codes to the loan servicer without actually verifying whether or not I was actually impacted by the wildfires. I was not impacted by the wildfires and I did not want my loan put into forbearance. Because it was put into forbearance without advance notice to me and without my authorization, I now incur an additional month of interest, an additional month of payment, and I must serve an additional month in federal service to qualify for PSLF. 

This same thing happened to almost every military borrower in the XXXX XXXX metro region, and I am certain that many were unaware of the change. This causes an undue, unauthorized hardship.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Nicholas Financial Inc. (IL)

We purchased a car and did not receive paperwork with terms of loan till later. No where did it state about 1000 % interest. For every XXXX Payment only XXXX goes to principal after 3 years of payments the loan is almost of what we borrowed from Nicholas Financial
Consumer complaint received 2023-05-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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. (IL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2021 I received a debit card, and 2 postcards stating that I opened a checking & savings account with XXXX XXXX XXXX XXXX  and that I authorized them not to pay overdraft fees the next day I received 2 letters stating they were closing those accounts. Then today XXXX XXXX I received an email welcoming my to TD bank, that I opened a savings and checking with them which I did not do, then a second email stating that I changed the email address on the account... I called the TD bank number to explain that I don't have any accounts with them & the woman could not really assist me as the closest branch of their bank is almost 100 miles away from my home. All accounts were opened under my married name, XXXX, and when I got divorced I went back to my maiden name. That was 7 years ago. How do I get help, how do I fix this?
Consumer complaint received 2020-01-13
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. (FL)

In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: GreenSky, LLC (FL)

GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX  and XXXX
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Hi, I had called Citi credit card to enable the 5 % cash back they confirmed they enabled it how ever when the time came to give me the % 5 cashback they did not give me the same so i called them and asked for it they said my 5 % was not enabled it was probably enabled on my husbands card to which i am added account holder.After a lot of argument they gave me XXXX $ in cash back however i deserve XXXX $ more of cashback. 
the ignorance on enabling the cashback was on the account of CITI customer service rep i should not be penalized for the same. I demand XXXX $ more in cashback. 

thanks XXXX XXXX
Consumer complaint received 2024-05-01
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. (MD)

First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

I was contacted 4 times on XX/XX/XXXX by different members of One Main Financial Services regarding my Secured Vehicle Loan. I spoke with the first 3 members and tried to work out a payment schedule where all 3 of them told me they were " Unable '' to make promise to pay my full balance on XX/XX/XXXX. They continuously badgered me to make at least a small payment towards the loan and I informed them I was unable too due to just getting over the XXXX and was out of work this month. On the XXXX call I received from XXXXXXXX XXXX, he again, continuously badgered me to make a payment before the end of XXXX because they were unable to schedule a payment in XXXX for the Full amount that would be due. After getting of the phone with XXXX, I logged into my account online through the One Main Website and scheduled the payment there. I feel they are harassing me as I tried to work with them to set up a payment and they denied my efforts. But yet, I was able to perform the scheduling online through my account. I am literally 1 payment behind. My " Current '' payment is not even due till XX/XX/2023, which counts as 2 payments. On the XXXX, ( Which it has not hit ) I will have 3 payments due, but that payment will not be due technically until XX/XX/XXXX. So, with only being technically 2 payments behind, I feel they are harassing me by having 4 different people calling me trying to get any sort of money out of me even after being told EVERY time that have absolutely no money to spend until I get paid on the XXXX of XX/XX/2023.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

received call from ( XXXX ) XXXX stating he was a verification officer and that i better call phone number ( XXXX ) XXXX and talk to their legal department or else he would come to my home and serve me. called the XXXX number and spoke to XXXX XXXX who stated she was a legal mediator and that i better pay or they will come and serve me and have me arrested. I ask several times what this was for and she said it was ace cash express. The case number they gave is XXXX. They presented themselves as a law firm and not a debt collector. I stated that I do know the laws when it comes to collections and what they were doing was completely illegal in the state of texas and i was promptly hung up on. Not only did they contact me they also proceeded to contact 4 of my family members, and tell them that they will be out there to serve them with papers and arrest warrant.
Consumer complaint received 2024-04-21
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)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE TWO ADDRESSES LISTED BELOW ARE INCORRECT AND MUST BE REMOVE FROM MY CREDIT REPORT FILE, I'M ENTITLED TO 100 % ACCURACY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SEE ATTACHED FILE FOR PROOF OF ADDRESS )
Consumer complaint received 2023-03-03
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. (MD)

XXXX XXXX removed collection remark from my credit report. Equifax. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WV)

As part of maintaining a card with Chase, I was to receive a Certificate for a Category 1-5 hotel room with XXXX. I was issued this Certificate on XX/XX/2018 or XX/XX/2018 and was good for one year. This was not honored by Chase or XXXX. There was a recent merger of XXXX and XXXX properties. During this conversion, the Certificates were deemed to be capped at XXXX points or a Category 4 equivalent. I have spoken to both XXXX and Chase about this inaccurate disclosure and none have resolved this matter.
Consumer complaint received 2023-05-02
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

On XX/XX/2018, I received a credit alert that a new collection account in the amount of {$110.00} has been added to my XXXX  credit report ( I assume it will be added to my XXXX and XXXX reports as well ). The  company listed is I C Systems Collections. I have never received any communication from this agency ( no letters, phone calls, etc. ), and I have no knowledge of this debt/account. The placement of this collection on my credit report has dropped my credit score 49 points. I would like this information removed from all three of my credit reports as soon as possible.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (CA)

Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

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 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

Hud paid my mortgage company XXXX and the amount has not been deducted for the original amount owed. I have called Midland Mortgage and gotten no answers as to where the money went. I do not understand how the balance is the same when Hud paid XXXX. I am trying to sell my home and I am unable to due to this problem. When I called Midland Mortgage and spoke to a supervisor I was disconnected when I asked what happened to the money that HUD paid Midland Mortgage. 
I want to sell the home!