davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (PA)

I have been violated by XXXX, Equifax, and XXXX XXXX. According to Federal Law 15 USC 1681 ( a ). Exclusions ( a ) consumer report does not include a report containing information solely as to transactional experiences between the consumer and the person making the report. It is illegal to report any derogatory remarks to a credit report. I have multiple late payments, and closed accounts on my credit. These derogatory remarks is hurting my report; and causing me to be denied credit.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ability Recovery Services, LLC (GA)

XXXX XXXX XXXX has two accounts on my credit report. One from XXXX XXXX XXXX and the other from Ability Recovery Services. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (KY)

Equifax had a massive data breach 2017 information was Exposed on the dark web multiple times.. information was purchased and compromised I was getting threatening phone calls fake bills and I had to spend money to freeze 60 data Brokers send letters mail letter certified letter security freezes and Equifax refuses to pay the bill I sent them in the mail.. they don't want to be held accountable.. they're referring me to the Equifax settlement. In which they told me I will receive {$3.00}. 10-year years from now I'm thinking is this a joke.. I spent way more than {$3.00} it cost me {$25.00} to send all the documents to the Equifax class action lawsuit.. they responded there is a security freeze on his report it's much much more than that.. I'm the victim here I had a freeze every consumer data broker out there there's like sixty of them certified letter paid for security freeze hired a attorney xcetera All I want is Equifax to pay that bill they received in the mail I will be very happy.. 
But Equifax reuses to respond. 
I understand nothing but a nobody to them nothing but a product to make profit..
Consumer complaint received 2020-04-14
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. (GA)

XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate infomation on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation on my consumer protection rights
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (FL)

I attended the school for 3 weeks never received a certificate nor any knowledge. It was overpriced and I withdrawn from the school due to lack of education. I was told that I would not be charged and a year later I was called and charged a year later. I asked for documents supporting this charge and never received nothing. I went to the school and they said nothing could be done. I told them and the financial department i will not pay for something i didn't received
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (MD)

EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease the scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove the incorrect information, Experion repeatedly replace it with ( information that are positive and presenting them saying that theyre negative reports ) on my file for example, paying 37 % of my loan, on time and never being late. Experion has this as something bad to do. as in something that should decrease someone score?. Number 2 Experion is showing 2 years and 6 months as my age of credit. But if you would use the formula for calculating averages, you would see three years and nine months, XXXX rules say that minimum for age of credit is 6 months. Thats the only time that the words age of credit is too short would be used. Experion is posting 2 years as being too short. As is shown in the attachment Which I have placed in order. From my first attempt to the present. Im asking for an explanation for each one of the 10 attachments. the law in the state of Maryland grants me, The right to request the name of the individual Who is tasked with correcting my credit file. And the fair credit report act Also grants me {$10000.00} per every 28 days that the credit bureaus incorrect reports affect my life negatively. This law I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general of Maryland and to every media outlet in the D.M.V.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I refinanced my home in XX/XX/2020, and contacted my mortgage holder ( XXXX XXXX ) asking them NOT to process the automatic monthly mortgage withdrawal for the upcoming month from my bank account, as the loan would be completely paid off within the next few days. I spoke with XXXX XXXX reference No. XXXX on XX/XX/XXXX at XXXX, she received approval from her manager NOT to process the auto withdrawal. Yet, I later checked my bank records and my payment of {$1400.00} USD was  withdrawn. 

The loan was paid off by my new mortgage company ( XXXX ) and I e-mailed XXXX XXXX requesting a refund of my payment of {$1400.00} USD. I sent in bank records and proof of the erroneous withdraw as they requested - they stated a 15 day resolution period. Here it several months later ( and  numerous correspondence ) with no refund. The XXXX XXXX complaint No. is Refund : XXXX ( XXXX ) XXXX XXXXXXXX contact info is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> I received a letter in the mail advising that my overdrawn USAA bank account ending in XXXX has been paid in full. The letter advised I was mailed a check for {$15.00} for the balance in the account at the time it was closed. This letter also advised USAA will provide updates to consumer reporting agencies about the status of my account. 

Before I received this letter I was never made aware of a overdrawn account & never made aware that my account ending in XXXX was charged off. 

On XX/XX/year> I contacted USAA to discuss the account and was told multiple letters were placed in my online banking portal, where my statements are located. They also advised no calls or other communication was made to inform me of my account status. 

I feel that USAA is unfair in not contacting me by phone, text or written letter to my address to inform me of my overdrawn account and potential charge off status. I feel that USAA is misleading and predatory by steering members to subscribe to electronic communication and not utilizing all forms of electronic communication ( text, email, online banking, etc ) when accounts are overdrawn. 

I feel that I was given no legitimate chance to bring this account current prior to charge off and prior to reporting negative information to the credit bureaus.
Consumer complaint received 2024-04-17
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: CITIBANK, N.A. (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Citi - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2020-06-14
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent Experian a certified letter disputing four erroneous items listed on my credit report. I provided a dispute reason for each item and requested for the information to be removed from my credit report. I also sent validation of debt letter certified to each collection agency requesting documentation with my signature to prove the debt belonged to me. The collection agencies failed to respond to my request after 30 days, which means they do not have any documents with my signature and the items are un-verified. Experian also did not respond after 30 days, so I sent another letter to them on XX/XX/XXXX requesting the items be removed. On XX/XX/XXXX I received a letter from Experian stating the items were verified. I responded by sending Experian a certified letter on XX/XX/XXXX requesting supporting documentation or a contract as proof of the items are verified and asked for them to respond within 15 days. Experian received my letter on XX/XX/XXXX and have yet to respond to my request. On XX/XX/XXXX I sent my 4th letter to Experian again asking for these items to be removed. Experian is trying to stall the process and it is extremely frustrating. They are damaging my credit by keeping this unverified information on my credit report even though they have no information to prove that it is accurate. I need this information to be deleted immediately.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXX XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXXL XXXX {$1300.00} XXXX DEP XXXX XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}
Consumer complaint received 2023-01-06
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. (WA)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2024-04-16
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. (NJ)

Chase Bank called us to ask us if we opened a Chase Credit Card, we told them no, they told us that there was an on line charge to XXXX XXXX on XXXX XXXXXXXX XXXX for {$1500.00} then there was a charge to XXXX XXXX on XXXX XXXX XXXX for XXXX They cancelled the card and we are disputing the charges. 
XXXX XXXX
Consumer complaint received 2020-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc. (OK)

I paid a XXXX debt to work and Lentz I called and they verified multiple times it was paid in XXXX but will not update Credit report I have disputed it 3 times they still say I owe it to the credit bureau I asked for a paid in full letter they said they cld mail but not email Have never received
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, My credit card payment is due on the XXXX of every month. I logged in to pay on XX/XX/2020 and they had already added a late fee even though my payment was not yet late. Then, a couple days later, interest was added to that supposed late amount. I have payed my monthly balance off on time and should not have acquired a late fee OR interest for the month. I tried calling and waited on hold for an hour and a half only to be hung up on, twice. Capital One does not provide an email for support, which means my only other option is to hand write a letter and mail it in. I do not have faith that I will receive any kind of response using the mail-in method. It seems as though the company is intentionally making support difficult/unavailable.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

I reviewed my credit report and noticed a collection entry for Receivables Management Systems. XX/XX/2023, I sent a dispute letter requesting validation of the debt. Receivables Management Systems replied by letter, XX/XX/2023, which included a printout as " proof '' of the debt. Pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws, validation is competent evidence bearing my signature. Per the law, a printout does not " validate '' the debt.
Consumer complaint received 2020-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Garcadia Financial LLC (CA)

I have had a loan with Foursight Capital for over four years now. The company adds fees on fees and fees two clients who have loans for automobiles and do not work with the client consumer to resolve these issues in a very amenable manner. The Company Foursight Capital is charging fees for being late in a payment when the payment was made in addition to another payment and that any payment made is counted as one payment and if the payment is twice the amount of one payment therefore it perpetuates the late fee from month to month to month. The company Foursight Capital has charged in some months three late fees and will not take the late fees off And adds more fees for calling to try and resolve the issue about the late fees and having made the two payments in one payment therefore each month there is a late payment fee at least one if not three or four late payment fees that the company is adding on those perpetuating the length Of time of the loan Therefore each time and make a payment to Foursight Capital in the amount of two times the payment amount XXXX at the beginning of the loan instead of it being counted as two paymentS it is counted as one payment indicating that the other payment is late and if he is added onto that and the other amount is added to the principal after all the fees are paid it seems as though I will never pay this loan off because theyre not fees that is added onto my account continues to mount every month because each month another fee is added on for a late payment that was made previously and every month that I am late on the fees paid is sometimes six or seven months of late payments in one month. 

Well I have taken out a automobile loan in the past I have found agents of the finance company to be amenable to the idea of taking for years off and not adding fees on to the total amount know this company never takes off of fee and never is helpful to managing they will not consider reducing the high interest-rate they are charging even though I have been making these payments and making the famous on time for years they are out to continue the lawn and ruin my credit so I am not able to obtain another loan not even from them even though Im paying all their fees