davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Consumer complaint received 2021-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in 2012. By law a chapter XXXX bankruptcy can stay on your report only 7 years.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in XXXX By law a chapter XXXX bankruptcy can stay on your report only 7 years.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoNation Enterprises Incorporated (TX)

Loan # : XXXX my car loan has been reporting late even after the company was paid XXXX dollars so I asked for the payment history and it doesn't match what's on the check they were given. I believe I should be ahead on my loan not behind
Consumer complaint received 2021-12-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (GA)

I, The NATURAL LIVING MAN and THE ORIGINAL CREDITOR, have extended my open ended consumer credit to Upstart Network , Inc. to have it extended back to THE CONSUMER, myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Upstart Network , Inc. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is a " creditor, yet by law have no right to the extension of living credit to offer the living consumer, myself. The lender in any loan transaction in the United States NEVER lends anything of reasonably equal value to the borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Upstart Network , Inc., by Federal law, is also a debt collector and they collected fraudulent and nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan, therefore this notion of debt can not be validated in truth even in the highest federal court. Understand, when an organization initiates a credit sale in a person 's commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact identity fraud and theft. They have willfully intended to deceive the original creditor, myself, into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I am invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. If they continue to attempt to collect this alleged debt, which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a positively reflected balance debt or charge. They have misled the consumer, myself, when in fact the alleged debt balance shows it has already been accounted for. Upstart Network , Inc. has received my correspondence and supporting documents via U.S. mail on XXXX XXXX, 2021.
Consumer complaint received 2022-12-18
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. (KY)

Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/ Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have an account with Macy's/DSNB, account number # XXXX it was opened in XXXX I, ailed in my monthly payment in XX/XX/XXXX Well in advance, As y credit rating being in the high 700 's, I am a responsible hard working adult, father, and husband to provide for my family. So when I noticed that the check had not been cashed I immediately called Macy 's and paid over the phone. The representative said this has happened a lot with covid and the pandemic and that I would NOT be receiving a late payment. As I was relieved as we are in the middle of escrow to close on our new home that my wife and I have worked so hard for. Our lender calls, e and says there is a problem your credit score dropped 47+ points due to a late payment reported by Macy 's . 
I immediate call them and ask why? the representative was harsh and unwilling to work with me. She kept saying there is a language barrier. I did not understand what she was saying to me. She finally said You have an accent. I was born and raised in XXXX XXXX California. My family is XXXX. I have never been told in XXXX  years that some one could not understand me. She kept repeating herself in a rude manner and interrupting me " What did you say? I can not understand you!! I feel so completely discriminated against. I can not believe that Macy 's has made me feel this way. I have impeccable XXXX  as that is the only language I speak. I was lied to, put down, and discriminated against. Is Macy 's going to pay us back our life savings on a home we could lose because of a late payment that indeed was not late? The only resolution I will accept on this matter is for the late payment to be removed. the late is showing on XX/XX/XXXX. I have never felt so put down, I will contact the press if need be. This is unacceptable.
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MS)

LoanCare, or XXXX ( whichever name they are using at the moment ) is making it difficult for me to pay my mortgage. They sent a letter in the mail that was an amount higher than what my payment shouldve been. They always send very conflicting information. On their website, is a lower payment. However, when I tried to pay my mortgage today, the website kept freezing/crashing. Literally every page on their website works except the page where youre suppose to make a payment. ( How convenient for them? ) The payment page is just a blank, white screen. After several tries, I decided to call them instead. I never got an actual human on the phone. An automated voice would say __________ ( the person that should be working ) is at home. Then the robot just hangs up in my face. I have recorded the website and phone issues as proof. 

It seems as if LoanCare is purposely making it difficult to pay my mortgage so that they can report me as missing a payment, and eventually foreclose ( because theyve made it next to impossible to make any payments )!! I will not be sending any payments through the mail because I dont trust them at all. They might say they never received it! ( Which is what another homeowner went through on the XXXX reviews ). This seems to me like a form a equity stripping. Their website keeps trying to tell me how much equity I have in my home ( which is way lower than the actual equity I have ). I believe they want me to take out a HELOC or similar, make it impossible to make the payments, and then take my home. 

NEVER have I ever been with such a horrible mortgage company. Theres no way that the things they do are legal. I really think this company should be investigated very throughly. I wouldnt be surprised if it leads to a class action lawsuit! This is ridiculous!!
Consumer complaint received 2018-03-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (AL)

I received a letter in the mail from GC Services Limited Partnership stating that I owe {$210.00} for student and loans so I called because I had an offset on my tax return for a smaller amount. When I called she said they had not received any money for this account and that my payment was still {$210.00}. I got another letter in the mail from the department of treasury saying that the amount of the offset WAS applied to my student loan account. I feel like they are trying to collect money that I do not owe or they are trying to collect more than I owe. She offered to let me pay {$170.00} today to out my account in good standing. I would like something to be done so that someone else doesn't have the same thing happen to them and not loose money that they don't owe.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to Citizen 's Bank, the holder of my mortgage. Citizen 's Bank mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called Citizens to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though Citizen 's collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Consumer complaint received 2021-12-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: FISERV INC. (GA)

During the beginning of the pandemic, I experienced low funds due to working less. I was using XXXX XXXX ( managed by Fiserv ) and some checks had NSF. Fiserv ended my electronic bill pay in XX/XX/2020. I have called and tried to get assistance to have it reinstated. I have called Fiserv and literally have CSR laugh at me. I was told 90 days until electronic payments were reinstated. Then I was told six months. Then I was told one year. Fiserv told me that they basically handle the bill pay for every major bank, so I can not get electronic bill pay by changing banks. Fiserv currently MAILS checks to the vendors. As the post office gets slower and more mail gets lost, I am constantly hearing that my payment is late and getting collection calls. 
All I want is fair treatment from a big bully Financial Corporation named Fiserv and have my bills transferred electronically.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION (GA)

OnXX/XX/2019 we found out by talking to the bank ( Renasant Bank ) that they are closing our account. We had just opened the account on XX/XX/2019 and made small deposits to the account while we worked on transferring our bigger amounts. 

We had never gotten a debit card or had any adverse interactions with any of the banking staff. We haven't gotten a reason why this is happening or what to do.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (TN)

Company closed my account. No Reason given.. However, the account was only a few months old. I believe that this action is actually discriminatory. Fortiva offered the account to open as an additional account to my original Retail account and they specifically marketed to me this account.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

On XX/XX/XXXX I submitted a transfer request in the amount of {$4300.00} with the company TransferWise, now rebranded as Wise.

There was no communication of any need for verification at the time this company accepted the wire transfer. Thus, the funds were taking from my bank account prior to me having any knowledge of the extra time it would take for it to be delivered.

Once funds were received the company communicated that the transfer would undergo verification. According to them this would take 4 days and the money would be delivered on the XXXX of XXXX. 

Today is the XXXX, marking 15 days since the transfer was requested and the money taking from my account. It has been 11 days since the scheduled delivery date. 

I have called the company 5 times. Each time I was told that they would verify my account and call me back. I have not received any calls from the company. I have also sent emails and messages to their XXXX page. They refuse to give me a straight answer as to a realistic timeline. They refuse to refund me the money. They refuse to deliver the money to the person I sent it to. They refuse to explain what exactly this verification means. 

This company has fraudulently kept my money, not paying interest for having borrowed it, and continues to refuse to deliver on the services I have paid for. 

Had the company communicated clearly the time it would time for the transfer to undergo verification, I would have had to opportunity to make decisions that would minimize the harm caused by it. 
Instead, their lack of communication and transparency has cause extreme difficulty to myself and others.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I moved out of the XXXX at XXXX XX/XX/XXXX. I received notification from the property on XX/XX/XXXX that I owed {$14000.00} for the remaining balance of the lease from XXXX XX/XX/XXXX. I went to the leasing office XX/XX/XXXX and spoke with XXXX to discuss the letter that I received from XXXX for XXXX at XXXX and was informed by the property manager that they had released the Unit # XXXX. South Carolina law is that you can not charge a previous tenant for the remaining balance of a lease if the unit or property is released. They can only charge up to the date of the re-lease. I have been fighting this with the XXXX for XXXX at XXXX for 4 years and it has prevented me from being able to purchase a home and lease a home in my name. I am ready to take legal actions. It is being reported on my credit report by National Credit Systems for {$15000.00}. I have reached out to them as well to inform them that they are reporting an inaccurate bill and that they need to have this deleted from my credit report.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I recently sent a hand written, certified letter to Equifax looking for help on countless unauthorized inquiries that appeared on my credit file. In my letter I requested original documentation bearing my signature, allowing that particular company to view my credit file. Along with this letter, I provided a color photo of my state provided drivers license and original social security card.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

Around XX/XX/2021 Santander received certified tender of payment and a certified promissory note in good faith, also documents conditionally accepting there alleged claim to any debt predicated upon verification of the debt, as defined in Blacks 6th, pursuant to fdcpa, fcra, Santander was requested to cease any and all collection activity until debt is verified Santander is still actively attempting to collect debt by reporting it to credit bureau. I demand any and all collection activity ceases until Santander verified the debt. XXXX
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

In XXXX I Attended the XXXX XXXX program at XXXX XXXX in XXXX XXXX Florida. here they were making me pay them XXXX a month as a way to pay off my student loans. this school also promised to get me a job in my field after completion. when I completed the schooling in XXXX of XXXX I was not offered a job or offered to be placed in a XXXX instead when I asked them they directed me to the " XXXX  '' website as well as the " XXXX '' website to look for jobs in my field even after me paying them monthly for my student loans and them promising me a job after completion. in XXXX a few months after my completion and as I was still job-hunting the school had to close down all campuses for fraud. this led my job search to be more difficult due to the fact that no job wants to hire me because of the school that i went to. I am currently 7 years after completing the program and have not been able to find a job for this reason. I am currently working for the XXXX XXXX  and I am a part of the union which gives me 2 free years of college but I can not take advantage of this great opportunity due to the fact that my student 's loans are in default and I am still not working the job that I trained and competed for and nobody wants to hire me for this job because of the school that I went to. I am trying to better my life and get back to school so I can have a good-paying job but these student loans from a school that was closed down for fraudulent activity are not letting me continue to try to live a better and more successful life.