davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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. (FL)

After reviewing my most recent credit report from Equifax, I notice that the company has not done their due diligence by following federal law. 

As a result, I asked that Equifax fully and completely verify the following inquiries on my Equifax credit report. 

1 ) inquiry under the name XXXX ; XXXX XXXX please validate or remove immediately.

2 ) inquiry under the name XXXX credit services. Please validate or delete Immediately for violating FCRA rules 3 ) inquiry under the name : XXXX XXXX XXXX Southeast ; please validate or delete immediately for violating FCRA rules. 

4 ) inquiry under the name : XXXX XXXX auto finance ; please delete immediately or a validate inquiry under FCRA rules. 

5 ) inquiry under the name XXXX XXXX, please validate inquiry immediately or delete from my credit report. 

6 ) inquiry under the name ; XXXX XXXX XXXX Dealer financing ; please validate inquiry or delete immediately. 

7 ) inquiry under the name ; XXXX XXXX finance, please validate or delete immediately. For violating XXXX rules.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief grant helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect
Consumer complaint received 2020-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACCESS GROUP INC. (CA)

Hi - I recently was notified by a collection agency that is now threatening me to pay on my private student loan that was sent to them by Access group on XX/XX/2020. The servicer, XXXX XXXX has all my information including XXXX phone number and email ), I was in a payment plan with them and when it ended the last attempt they contacted me by email was on XX/XX/XXXX. They put the loan in default without notifying me and sent it back to Access on XX/XX/2020. On XX/XX/2020, Access then sent it off to a collection agency and I received a call from them harassing me to pay the entire debt of the loan which totals approximately {$8900.00}. 
There was no attempt from Access to contact me to possibly see during XXXX, I can enter into a payment arrangement or possibly a forbearance. I have experienced hardship during Covid -19 and was able to make arrangements with my other student loans, I can not believe that they would send a student loan to a collection agency during this time. Access has all my contact information and could of reached out to me via email to make an attempt to collect or arrange a payment plan prior to sending to a collection agency. 
I think that Access group took advantage of the situation to send this debt off to a collection agency and remove it from their books.
Consumer complaint received 2020-06-19
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. (GA)

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( Equifax, XXXX, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( Equifax, XXXX, XXXX  )
Consumer complaint received 2020-06-19
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)

There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( XXXX  is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to XXXX Open date XX/XX/XXXX and According to Experian Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on XXXX, XXXX, and Experian ) XXXX has an opened date of XX/XX/XXXX and Experian and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX ( 2 Times ) I was never late on my XXXX  XXXX XXXX XXXX in XXXX or XX/XX/XXXX.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (GA)

I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I Financed a vehicle with Exeter Finance on XXXX and regularly made all my payments on time when I started overpaying my principles to pay off my car they started cheating me. they are not scheduling payments for me on time if make a payment they take all of the interest and if don't make a payment they will charge me interest for late payment i reached out to them multiple times but none of them gave me a good reason for it and they didn't solve my problem the only thing they all say is the need to collect the interest first. 

please see the attachment today is XX/XX/2024 it shows my payment due is XX/XX/XXXX but the scheduled amount is {$0.00} if I pay automatically it will go to interest if i don't pay next month they will charge me for not paying on time. 


looking forward to your help.
Consumer complaint received 2023-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TN)

I have written this company several time as to how they verified that I owe them with out any response. 
1. Original contract with my signature.

2. Proof I have a legal contract with the company.

3.How did you verify the information you have 4. This debt is not mine.

ABILITY RECOVERY SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

Can you help please? 
I put my wife 's stimulus check in my bank and they closed my account and keep the money and will not return check. I have been in contact with my local branch and they can't get the corporate SunTrust to release the check or money for two months now. Every time they would say a letter would come in mail. 
It all started when the XXXX SunTrust bank closed due to CoVid19 so I deposited the check in the atm at bank. I check my bank account on line and the check showed up a couple days later. I went to an atm to get some money out but atm would not work or log in to bank. I called bank to find out the bank put a hold on my account but would not tell me why but said a letter was in the mail to explain why in 7 to 10 business days. I waited and did get a letter saying the check I deposited was being held for 7 to 10 days as it is there policy but that would not affect any other deposits or atm with draws. So I call them as my bank account was not working and found out SunTrust fraud department had closed my account due to the check was in my wife 's name and she's not on the account. I get direct deposit from XXXX XXXX and they sent a bank check in the amount to me after 7 to 10 days later. I got my last bank Statement from them witch show the stimulus check for {$1700.00} and my pay check being deposited and the closing with being both of them being sent out but all I got was pay check. I am still trying to get my money from them but every time I talk to them it takes 7 to 10 days.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IN)

I was paying my card regularly after i bought furniture from XXXX XXXX. Last month, my balance was less than {$700.00} and now I am at more than {$3600.00} because of more than {$3000.00} interest added to the account. 
The above shows that these guys are predators. I could pay this amount but I would rather sue the company as I believe that their actions impact a lot of the people that deserve to be helped, the vulnerable. 
Furthermore, I have never seen that statement as I always go in my account and pay and leave. Also see the minimum payment due in XXXX, if they really wanted to warn anybody, they would have made it the remaining balance and they did not because it is a trick. They should be ashamed of themselves. Additionally, it was funny that they threatened me with another promotion that would be ending mid XXXX, and that is supposed to make me pay off the interest promptly. XXXX XXXX methods are simply despicable.
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: AES/PHEAA (MA)

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (SC)

XX/XX/XXXX two payments of XXXX & XXXX were made to cover XXXX and XX/XX/XXXX statements. ( After a long communication where the lender failed to make a one time due date change in XX/XX/XXXX ). XX/XX/XXXX a Credit was made to the account for XXXX by the lender as well as XXXX day lates removes from credit report and 2 -60 days late changed to 30 days late by XXXX XXXX ( a rep from the lender ). Mrs. XXXX said this would get us current for XXXX. XXXX payment ( due XX/XX/XXXX ) was paid XX/XX/XXXX ( XXXX ), XXXX payment made XXXX XXXX XXXX ), XXXX payment made XX/XX/XXXX XXXX XXXX ), XXXX XXXX and XXXX were deferred due to corona virus but more payments made XX/XX/XXXX {$400.00}, XXXX XXXX, XX/XX/XXXX XXXX. 
The company reported XXXX XXXX and XXXX late on credit report. The rep who had been assisting has left for retirement late XX/XX/XXXX and we are getting no where. Additionally they are still saying I owe XXXX for XXXX but Ive clearly overpaid since the first of the year. 
This has greatly impacted my credit since XXXX of XXXX when the due date change was never placed as I was told it would be when my request was made. The lender also continues to charge late fees when Im not late. 
Please help me.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

This company, LVNV Funding have collection in my credit file. This is suppose to be from XXXX XXXX. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (DC)

Sunrise credit services XXXX XXXX XXXX XXXX XXXX new york XXXX is committing illegal fraudulent activity against a XXXX XXXX XXXX veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC SUNRISE COLLECTION ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND THE CREDIT BUREAUS TO THE BETTER BUSINESS BUREAU THE FLORIDA AND NY ATTORNEY GENERALS OFFICES AND THE FCC FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND SUNRISE FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST SUNRISE CREDIT SERVICES AND XXXX.
Consumer complaint received 2020-06-19
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. (VA)

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc
Consumer complaint received 2020-06-19
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. (VA)

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

My husband and I had a car loan through Wells Fargo. He became XXXX and we contacted we contacted Wells Fargo and stated we could not pay for the vehicle anymore. We tried five times. The Vehicle sat in our yard for XXXX years rotting as junk since it had electrical problems and we wanted them to repo it. Every time they told us they do not repo vehicles. Last year in XXXX we were contacted by the IRS with a letter stating Wells Fargo claimed a 1099 in the year XXXX. They sent it to our old address even though they knew we had moved so we never received the 1099 since taxes do not get forwarded. We found out they claimed a 1099-C cancellation of debt and now we owe the IRS {$3200.00} that we do not have. My husband is still XXXX and I am work XXXX jobs to make ends.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

This debt is not mine and has never been. It keeps getting sold every time I dispute it and they can not verify the debt so it seems to never go away and is negatively affecting me. 

Plus the original date that this first started showing up was over 7 years ago. Every time they sell debt they change the date to current.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my XXXX XXXX by XXXX points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

In 2018 I had an account with Exeter finance and then totaled the car that I had with them my insurance paid most of it but the XXXX XXXX  paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4