davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services attempting to collect an alleged debt, I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 

I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NC)

I recently became aware of a debt that was sent to collection. I became aware of this when I checked my credit report this month as I am applying to XXXX school and will need to apply for federal loans.These are bills from medical procedures from XX/XX/XXXX. I did not receive a bill from the hospital, If i did I would have paid the debts. After these procedures, I moved from XXXX   to XXXX and had my mail forwarded. I received many other bills from my procedures that were forwarded to my XXXX  address and paid those in full. 
When I became aware of this collection debt, I contacted the hospitals who could not provide me any information as to what the debts were for and I was told to contact the collection agency. 
I did contact them and have paid the debt in full. 
I would like these two debts removed from my credit report. I have been accepted into XXXX  school for fall XXXX and will be applying for XXXX   loans. I will not be able to go to XXXX  school with this affecting my credit.
Consumer complaint received 2022-12-29
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. (NV)

XXXX XXXX XXXX XXXX is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. XXXX XXXX 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. 

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.
Consumer complaint received 2020-03-30
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. (AR)

I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX ( XXXX deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to Mariner Finc as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Consumer complaint received 2020-04-10
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. (FL)

I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (KY)

On XX/XX/XXXX, I signed up for a saving account to work on saving my funds so i can better budget my finances. So I signed up with Ally Finance due to their APR, This placed a hard inquiry on my credit report for the date above. 


On XX/XX/2019, Ally Finance give me a second hard inquiry on my credit report and closed my account due to no other reason whatsoever. This inquiry also affect my credit report and has made it hard for me to continuing improving my credit report. As a student and someone from another country. I am still getting my feet wet with the financial system in the US. I have learned a lot from this experience and deserves a second chance to start from scratch by removing these two hard inquiries on my report. 

The company mentioned that there was nothing that they could do to help me with this since my account is already closed by them!
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I purchased an item from Neiman Marcus online back in XX/XX/XXXX. The item was over {$100.00} and was scheduled to be delivered via XXXX. Unfortunately, the item was lost and I contacted the company, telling them the problem. They investigated and determine the item was lost and refunded the item I was charged ( available in my billing statement ). Now, looking over my statement ( XX/XX/XXXX ), the charge that was refunded to me back in XXXX was charged on my account again. An item I didn't receive and was determined lost by Neiman Marcus. I called the company and they gave a story on how they refunded me an item that I was never charged, which is false because I have a statement showing that I was charged for the purchase, but refunded due to it being lost.
Consumer complaint received 2022-12-29
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. (NV)

XXXX XXXX XXXX XXXX is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. XXXX XXXX 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. 

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (MN)

On Monday XX/XX/XXXX, I received in the mail a notice that my entire state and federal return had been taken by Ascendium Education Group to a total of {$9800.00}. When I called the number listed for this loan agency, I was transferred to another loan agency XXXX. It was at this moment that I found out that my loan is now in the hands of XXXX. I have been attempting to reach XXXX for an explanation of why my entire refund was taken by them, and they are currently not in office due to the corona virus and unable to take phone calls and instead are only operating by email. I wrote an email on XX/XX/XXXX stating my questions and due to the circumstances, hoping they will be empathetic and release my return either partial or full. I received a canned email with a attachment for an economic hardship application, not at all addressing one of my questions. 

I was not aware of my default status, either was my loan consignor. I had been on automatic withdrawal from my checking account for over a year to Ascendium Education Group and it appears due to an inputting error with my debit card, the past 3 months of automatic withdrawals were not going through. Does 3 months of a mistake really warrant a {$9800.00} seize of my funds? 

I have called MN Department of Revenue, the US Department of Treasury and both have been unable to assist me until I get information from XXXX.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Well first I'll being with on my Experian report I believe I saw something about a XXXX XXXX XXXX XXXX listed as a address I've never heard of or have any understanding why that be on my report also there's several Incorrect addresses on report Wich only one should be there of Wich is XXXX XXXX XXXX XXXX Texas XXXX Also it has multiple names on there few Wich are misspelled there should be only one name on there Wich is my legal birth name that is XXXX XXXX XXXX please have this corrected on my report as of right now that seems to be the only things I notice I've disputed what I could I'll continue to go over an if I find anything else I'll contact you thanks for your time being able to communicate with those haveing authority to correct my report is great my email is XXXX my number as of now is XXXX if need any documentation of my identity I have no problem submitting or going about to prove in any way thanks.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I attempted to bring my loan current through submitting a payment of {$12000.00} on the XX/XX/XXXX. The check cleared the attorney 's account on XX/XX/XXXX. I submitted a payment in mid XX/XX/XXXX that cleared my business account just the same. My house was sold on the court house steps in XX/XX/XXXX. Every time I call Suntrust they are researching the file or I can not get through. At no point did Suntrust call me to inform me nor my attorney that the amount I submitted was insufficient. Talking with the help line, they said they refunded the amount to me, but I have received a check nor have my attorney. I would like for the bank to overturn the foreclosure for wrongful decision.
Consumer complaint received 2020-03-30
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 Consumer USA Holdings Inc. (WI)

My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance company deemed the car totaled, as soon as we found out we contacted Santander. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. Santander is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent Transunion a dispute via USPS, tracking number XXXX XXXX XXXX XXXX XXXX they received the dispute on XX/XX/2020. As of XX/XX/2020. They have not mailed back an updated credit report or mailed back the results from the investigation.
Consumer complaint received 2021-10-16
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. (GA)

According to my Equifax and XXXX. On XX/XX/2020 XXXX XXXX Account was open. Now I have been sending out multiply Disputes to the 2 Credit bureaus, explaining to them that this Account is fraudulent and I have no recollection of this account. My XXXX report is the only report that does not reflect that account. and had my updated info on that report. I will like to Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. That Address is associated with this Account. Never live there and want that address off my reports.
Consumer complaint received 2021-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (CA)

I WAS APPROVED FOR A PERSONAL INSTALLMENT LOAN BY MARINER FINANCE OVER THE INTERNET. THEY THEN SENT ME THE LOAN DOCUMENTS WHICH I SIGNED VIA THE INTERNET. THEN THEY SENT ME A REQUEST FOR VERIFICATION OF SEVERAL ITEMS WHICH I FIND STRANGE AS I HAD ALREADY SIGNED THE LOAN DOCUMENTS. MY ANSWERS WERE CONFIDENTIAL SUCH AS SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBER, PROOF OF INCOME AND PERSONAL ITEMS. THEIR ADVERTISING STATED FUNDING WITHIN ONE DAY BUT I DID NOT HEAR BACK FROM THEM. OVER THE NEXT 4 DAYS I HAVE LEFT 4 VOICE MAIL MESSAGES FOR THE LOAN DEPARTMENT, 2 MESSAGES AT THEIR CORPORATE CUSTOMER SERVICE, XXXX MESSAGE AT A LOCAL BRANCH AND AN EMAIL TO THEIR CUSTOMER CUSTOMER SERVICE. I HAVE NOT RECEIVED A RESPONSE FROM ANY OF THESE EFFORTS AND I AM VERY UPSET. I AM ALSO CONCERNED WITH WHAT THEY WILL DO WITH MY CONFIDENTIAL INFORMATION
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I sent a letter to Equifax dated XX/XX/2020 by certified mail. Equifax received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX ( with no space ) XXXX ( with no space ) XXXX XXXX As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Consumer complaint received 2020-03-30
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. (PA)

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$160.00} XXXX XXXX XXXX ( Never late on payments ) Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX {$280.00} XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$300.00} There are no contracts, no valid claim ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AR)

When my account go into overdraft I get charged a {$36.00} overdraft fee and some time I'm charged {$36.00} twice if my deposit doesn't go in within a certain amount of days. I have had several fraudulent activities on my account and I reported it and was never given credit
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (WI)

the care act of XXXX went into effect XX/XX/XXXX. i have not been contacted by fedloan servicing about the freeze on payments, but only received my regular bills. i have now paid my past 2 months of payments and believe they should be refunded! i have a lot of debt and if i could have paid another bill with that , it would have made my life less stressful than it already is!!!! and they also have all of my PSLF records a whack : (
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-30
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: Santander Consumer USA Holdings Inc. (KY)

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

Santander XXXX  is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my XXXX XXXX. Things like this on my report will only make it difficult for me and my future family to progress.