davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CO)

I have attempted to get on the REPAYE plan since XXXX. I spoke to a representative today who said I should be on it after I pay an " opt out '' payment in XXXX. She also said she " didn't know why '' I was ever taken off of the REPAYE plan. One of my applications was denied because I was on a forbearance for more than 90 days, which the employee suggested I do and never told me it would affect my application for REPAYE. This is why XXXX XXXX is being sued by the Massachusetts Attorney General and why I am calling for Colorado 's AG to do the same. I could have made several years worth of eligible payments towards the PSLF program but XXXX XXXX had me on the wrong program when I started in XXXX and is delaying my ability to pay on it for 8 months ( XX/XX/XXXX to XX/XX/XXXX )!!!
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (IL)

PNC BANK XXXX XXXX, Account # : XXXX Open Date : XX/XX/2015. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

A mailed document was disappeared and it contains all my personal information including SSN. I want to freeze my credit as a prevention of identity thief. I created an account at Equifax and called them up but they want me to mail them copies of my two ID 's and fill out a form and provide all my personal data. I have created the account at them to avoid it. I need your help how I can freeze my credit.
Consumer complaint received 2019-05-11
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: First Data Corporation (SD)

This is your accountability Telecheck : I receive emergency hardship checks from the XXXX District of which I applied for the funds & AGAIN XXXX with Telecheck has again declined another check. WHY???? 
Previous communications with XXXX corporate from last years checkbelow HOWEVER due to this recent " blacklisted '' XXXX  checking account from XXXX employee ( s ) with Telecheck check cashing database the XXXX   checking account is " blacklisted '' punished by XXXX. I told her XXXX she decided she's going to make sure that NO XXXX checks are no longer good at any XXXX that she would have to go over XXXX Federally Recognized XXXX to do her endeavors. 
XXXX response : we're not allowed to change the status of a check regardless of being accused of fraud or cashing illegally, we're not allowed to change the status of the checking account or to call Telecheck to do so for anything. XXXX DOES NOT take/accept " cashier 's checks ''. ( THIS IS NOT A CASHIERS CHECK! ) ... while I still sit out here waiting for XXXX to contact Telecheck in regards to ALL of this & no toilet paper or toothpaste for me in this waiting process to be repaired IMMEDIATELY. I as a Consumer/Customer still in decision of filing Federal complaints with some federal agencies because the Company/Corporate has an employee ( s ) as such who can utterly destroy things for us XXXX  ( federally ) & somewhere in this I'm am also hoping that part of the XXXX  will file for their Right to Know why XXXX as a merchant will not accept their checks in violation of federal Laws. ( FCRA ). 
... With her XXXX employee decision ( XXXX, NM is the busiest XXXX in the Country-hopefully the store will close down now ) thanks to XXXX employees unethical, unprofessional, illegal misconduct ... My XXXX is now " blacklisted '' ostracized from utilizing other merchants with their checks via Telecheck & XXXX XXXX. 
WHEN THE DISTRICT OF MY XXXX WHO ISSUES THESE CHECKS FOR ME CONTACT TELECHECK YOU TELECHECK DO NOT TELL THEM WHAT NEEDS TO BE FIXED & FOR ME HERE IN XXXX ITS VERY DIFFICULT WITH YOUR ILLEGAL GAMES TO PLAY. I'M XXXX OUT HERE & THE FUNDS ASSIST ME WITH FOOD & NECESSITIES BY PUTTING THE FUNDS MADE PAYABLE TO XXXX ON A GIFT CARD DUE TO NOT HAVING WHAT CRIMINAL XXXX & TELECHECK EMPLOYEES OTHERWISE SO STATE. SHOULD THE DISTRICT NEED TO GO TO XXXX FOR OFFICE SUPPLIES-WHAT DO YOU TELL THEM ABOUT NOT BEING ABLE TO USE THE CHECKS TO PURCHASE SUCH THINGS AT XXXX? THIS YEARS CHECK IS FROM ELDERLY FUNDS INDICATING NOW I AM AN ELDER/SENIOR CITIZEN. I'M GOING TO FILE A CFPB AS WELL AS A FCRA COMPLAINT. I DID NOT BRING THE CHECK OR THE INFORMATION PAPER PRINTED WHILE THE CHECK WAS DECLINED BY BOTH XXXX & TELECHECK.
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: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or removed XXXX XXXX XXXX XXXX XXXX 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: 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. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or removed : XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (AL)

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

EASTERN ACCOUNT SYSTEM, INC. 
XXXX XXXX XXXX XXXX, CT XXXX Acct XXXX XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX
Consumer complaint received 2022-12-27
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$44.00} ; XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-07
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (TX)

Midland mortgage acquired my loan via XXXX which has exited the mortgage business. During the transfer my modification which was approved was ignored by Midland mortgage and Midland mortgage started their own modification and reported me late 180 days until they approved my modification. Also I have asked for my bureau report to be corrected as they continued to report me late and yet denied. I paid on the last day of XX/XX/2019 and Midland still reported me late because per Midland I was 5 minutes late paying. I paid XXXX in my time zone yet it was late in regards to their time zone
Consumer complaint received 2020-01-07
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-07-24
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: Klarna AB (MO)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end concurrent credit plan as late for any purpose.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

XXXX XXXX sent a bill ( they continue to charge me after I had already cancelled my account ) to a collection agency and they say they would put the " non-payment '' on my credit report if I didn't pay it. What they use to call 'extortion ', now I guess it's just the way companies treat customers.
Consumer complaint received 2023-01-24
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 am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX,
Consumer complaint received 2020-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of america calls my personal telephone number 3 times and day then starts speaking in XXXX I THink ). I don't speak XXXX. It is a computer doing the calling. 

I don't have a Bank Of america account and I have never had a Bank OF america account. 

Please make them stop.
Consumer complaint received 2023-07-24
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: SANTANDER HOLDINGS USA, INC. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer USA regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with Santander and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with Santander Consumer USA, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into Santander Consumer USA 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (NY)

When my youngest daughter was first born, there was an issue with the spelling of her name on her insurance card. So when I visited the pediatrician, at XXXX XXXX XXXX, I had to sign self-pay affidavits for all of her appointments until it got sorted out. After the issue was corrected, I brought her new card to the appointments and had them take a copy. I was assured they would bill all of her pass bills back to our insurance. Then about a year and a half later, I received a notice from a collection agency stating that I had a past due bill of {$300.00}. when I called to speak with the doctors office, they claim that it is for one of those early visits. This should have been billed to my insurance and I shouldve only been responsible for the co-pays and now I have a negative on my credit report for collections that were never owed to begin with.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

Sent a threatening letter from a XXXX Debt collector, XXXX XXXX, in a State I have not resided in in over 12 years, threatening to suspend my drivers license or driver 's privileges in my now current state of XXXX if I do not pay this Third Party Collector some court fines and fees from XXXX. They have printed these old resolved criminal charges from XXXX on the back of this threatening letter as if they are directly representing the XXXX Courts. They print that they are a law firm, that I need to pay them a 14 year old debt that I am not even positive I owe, and they threaten to take my driver 's license or privileges, or proceed with Further Collections efforts if I do not pay this debt from XXXX that I have not heard about in 14 years by any means. They have nothing listed saying I can dispute any of this. I have no information contained here on how to dispute the validity or how I could validate these 14 year old charges that they are threatening to destroy my ability to make a living and support my family, if I don't pay them immediately, and the word immediately is theirs. 
The only dates here are their list of criminal charges they say I owe fines for, all dated XXXX  XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> These are labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX But these are court date records. 
I have no dates listed for when the debt was submitted or Nothing concerning money I paid to close any cases already. No other information except the threats, the amounts they want and the direct threats. Along with their business name and a phone number and how I can pay. Nothing listed offering any way to validate or dispute. And with the direct threats to my licensing, after 14 years, and a list of criminal charges from XXXX