davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (OH)

In 2014 false papers was submitted to obtain a car loan and paying the loan has been a struggle I even asked to get the car refinanced for lower payments that was never approved I lost my income and the car was repo and one time and I'm still having hard times. 
Also I qualify for the lawsuit for the giving me a loan I couldn't afford that I'm stuck with and it's been so bad I had to seek medical help for XXXX XXXX. ALSO my ex fiance has filed bankruptcy and has gotten his name off the loan which has made this even more of a nightmare Payoff Quote Account Number : Collateral : Payoff Amount : ( This payoff is good for 15 days from todays date ) Daily Interest : Payoff Through : To Whom It May Concern : This Payoff Quote is being provided in response to a request by the account debtor ( s ) on the account set forth above or their counsel. NOTICE : TO THE EXTENT THAT YOUR OBLIGATION WAS DISCHARGED, OR IS SUBJECT TO AN AUTOMATIC STAY UNDER TITLE 11 OF THE UNITED STATES CODE, THIS STATEMENT IS FOR COMPLIANCE WITH THE STATE LAW AND/OR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN ATTEMPT TO COLLECT A DEBT OR IMPOSE PERSONAL LIABLILTIY FOR SUCH OBLIGATION. The estimated amount to satisfy the above-referenced account is set forth above as the Payoff Amount. This estimate is good through the Payoff Through date set forth above. This payoff amount is subject to a final  reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. This payoff amount does not deduct unearned premiums for ancillary products, such as GAP or Credit Life insurance, purchased and financed within the loan. Canceled ancillary products with unearned premiums received may be refunded, if applicable.Title will not be released until the above-referenced account is paid in full. Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after the Payoff Through date set forth above, please add ____________ for each additional day
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

I have contacted EOS CCA via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.
Consumer complaint received 2020-08-05
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. (NY)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX CXXXX   XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IL)

I am Disputing the Ownership as related to the full responsibility, or liability for the account. This account is not directly under the personal name of XXXX XXXX but under a corporation. 

I am not an owner, co-owner nor partner to the owner of said corporation.
Consumer complaint received 2020-09-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC. (OH)

Please see attached word document. This letter was sent to Navient. It shows evidence that Navient reported " On Time '' payment history for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX student loan accounts. However, Navient removed the " On Time '' status for each of these months recently and has not provided an explanation. See attached PDF document for response. Navient 's response does not acknowledge my question and is diverting to a different topic regarding " Negative '' payment history. This is in regards to reporting " No Data '' for the months listed above, not " Negative '' payment history. Perhaps their customer service person can not understand English? Obviously, this organization has 30 violations ( 5 accounts x 6 months payment history ) of the Fair Credit Reporting Act, regardless of their stance, since they are modifying historical account information on an on-going basis.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

My mortgage acount with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. 

This same account shows up accurately on all other credit agencies.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (TN)

XX/XX/year> ... ..once again destiny card is saying get approved for the same {$700.00} card I was turned down on.XXXX ..it 's become harassment when ive hit unsubscribe, report spam and they wont stop
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (FL)

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this
Consumer complaint received 2020-08-05
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: WAKEFIELD & ASSOCIATES, INC. (MD)

letter received XX/XX/XXXX from WAKEFIELD & ASSOCIATES with account XXXX listed. they claim a debt is owed. In what could be construed by their actions to be an apparent violation of the Fair Credit reporting ( and collecting ) Act. by refusing to allow me to settle with the original creditor ( IF in fact i owed anything ). after reading the account number and confirming who i am ( as they requested ) my request was then met with more requests for sensitive information ( DOB ).

After TWO attempts to get this information. I am still not able to execise my rights as a debtor. please let me know WHO says they are owed money. Additionally, may I ask are there any ( unknown to me ) reasons why this debt collector is NOT SUBJECT TO YOUR JURISTICTION.? thank you
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I called Experians XX/XX/2024. Ask them about why is it taking more than 90 day to update my address. They said that nothing is wrong with my account. So I applied for a mortgage XX/XX/2024 thy could not get a credit report from Experians because my address is not correct
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CO)

On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by XXXX XXXX XXXX, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called XXXX XXXX XXXX. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with XXXX they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CT)

Since XX/XX/2020, Comenity Bank has repeated called and harassed about a debt they are claiming is owed, that is not. 

During the start of the pandemic, the bank also started using COVID as their reasoning for calling, claiming they would offer extended programs so I could repay the debt and then openly berating me for refusing to pay. 

Today, the company resorted to calling my mother, whom I have not lived with in decades, to get in contact with me, despite having my phone number on record. 

When I contacted them again and told them YET AGAIN to stop harassing me, the agent got aggressive and started arguing with me, claiming that their harassing tactics were not a violation of the FDCPA. When I asked where they got my mothers number, a number that I didn't even know myself, the agent respond with " we have ways to find this information ''. BECAUSE IT'S APPARENTLY NECESSARY AND ACCEPTABLE TO CONTACT MY XXXX YEAR OLD MOTHER ABOUT A {$200.00} DEBT. 

As I said before, this business is refusing to work with me over this debt, that is essentially late fees tacked on late fees, that are not owed to them, while threatening to ruin my credit if I don't pay, and contacting family members to reach me. 

These tactics are a clear violation of the FDCPA and this company needs to be dealt with, as their agent even admitted that their methods are their standard practice. 


Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00}
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (CA)

Around XXXX of 2013, When i was pregnant and still a tourist in this country a doctors office that was supposed to do a ultrasound on my belly. My husband at the time was the financial responsible for everything and yet i still got charged hundreds of dollars for something not executed. 
Fast forward, 7 years later im sill being accused to own {$710.00} for that clinic. The collector refused to provide me the proof of the paperwork for that XXXX XXXX and failured to pursuit my ex husband and as in today i noticed my credit report got affected with that {$710.00} 7years old ultrasound. I lost 46 points and it feels like after 7years they should not be harassing me anymore. Im trying to find a way to report this collector/ clinic
Consumer complaint received 2020-08-05
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

This is regarding the new XXXX credit card offered through Synchrony Bank. I have received numerous mailers regarding applying for this card and how it offers {$10.00} off/eligible line when used to pay your XXXX XXXX bill. So I applied and got accepted to take advantage of this perk. I applied on XX/XX/XXXX, was approved, and received the card on XX/XX/XXXX. I promptly added it to my account and had it set up for auto pay. The bill deducted on XXXX with no discounted amount when using the card. I contacted XXXX, and the customer service rep apologized for the confusion, but admitted that it actually false advertising. The card doesn't offer you a discount over what you would receive just by using auto pay like I already do. I was lead to believe that by getting the card I would be receiving an additional $ XXXX/off per line as told by a rep at a store and the mailers, as well as, app advertising. This is false advertising. I would never have signed up for another credit card when it lacks this basic benefit. XXXX XXXX should not be misleading customers, and the ads should advertise that this is not a discount if you have auto pay. They should also not be informing reps to mislead customers.
Consumer complaint received 2022-09-24
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. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home American Mortgage Corp (NV)

Earlier in 2020, I was in a contract to purchase a new construction home in Nevada through XXXX XXXX XXXX using a VA loan. Due to the COVID-19 shutdown, I had to leave my place of employment and thus had to back out of the contract for the home. XXXX XXXX demanded something in writing from my employer stating that I had lost my job due to COVID, but I was unable to obtain that as the company and other employees including my manager were also in crisis, obviously. XXXX refused to return my {$3500.00} earnest money deposit because I could not provide anything to them in writing. With the craziness of everything going on this year, I don't feel that it was ethically or legally for them to withhold my deposit despite all of the chaos of the situation going on in the country at the time. Most recent correspondence with them was on XX/XX/2020.
Consumer complaint received 2020-08-05
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: WELLS FARGO & COMPANY (CA)

Wells Fargo reported me during Covid19 when I was having an economic hardship- they put me on a pandemic forgiveness program bet still reported me and closed my credit card- I had perfect payments before covid19 happened. They are not offering any assistance to help out those lost their job