davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Debt was paid on full XX/XX/2021 Dispute filed on XX/XX/2021 and including confirmation that payment was made. 

Company did not verify accuracy of debt with original creditor and is still trying to collect the debt.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/2023 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-10
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)

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX CARD - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Equifax.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello Dear CFPB I applied to open Navy Federal Membership and Checking Account and filled out my new address in application but send them my old driver licence by mistake and company was concerned and did not open me account, since then i updated my Identification and send them new driver licence and utility bill but they still denied opening checking account for me. Please see attached documents what they send to me. Thank you
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I left the country and moved to XXXX in XX/XX/XXXX. 

I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. 

I was unaware that my mortgage was being unpaid as I did not receive any of the mail. 
I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. 

Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MT)

Global client solutions of XXXX XXXX has been taking automatic payments from my checking account to pay towards 2 payday loans. To date nothing has been paid towards my accounts & I can not reach GCS to either get my money refunded or see why they are not establishing a payment program with these 2 payday loan companies. I think theyve collected about XXXX dollars.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Had this account since XXXX and did not miss one payment ... ... I explained to the company Synchrony Bank in XXXX that I ran into financial difficulties this month and would try to make payment with I did but not enough funds were available in my account. 
I then told Synchrony I would double up next month XXXX which I did but funds again were not available on XX/XX/XXXX when they processed but were available on XX/XX/XXXX which they again processed and showed receiving my double payment. I then received letter from Synchrony which I will attach closing my account due to number of dishonored payments on my account. I called Synchrony and explained again but to no avail. I am more concerned with how this is going to affect my credit score more than anything else.

Please help!
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased my lease vehicle through Trophy XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through Capital One XXXX XXXX. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I have never received a phone call or letter in the mail from this company or even heard of them. I have just been notified that I owe a collections of {$180.00} and it also states that the account was opened on XX/XX/2018. I have never used XXXX XXXX because I don't have cable. I only pay for internet through XXXX XXXX XXXX. I do not have signed a contract or gave permission for anyone to get anything in my name. Could you remove this account from my credit report? This has just dropped my credit score 10 points.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get XXXX.
Consumer complaint received 2019-05-06
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)

I have filed a dispute with Equifax now *4 SEPARATE TIMES* regarding information that is incorrect on my credit report. 

There was information from a lender that was reported to all 3 bureaus incorrectly for 30 days past due. I  have gotten it corrected with XXXX and XXXX ; however, Equifax refuses to properly investigate the issue and is not fixing the report. I have provided proof, I have provided a lettter from the lender, I have followed the process of filing a dispute wit Equifax and they will not correct the issue. Again, the other bureaus report correctly - only Equifax does not.
Consumer complaint received 2022-07-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-18
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. (MI)

collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number. 
So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone. 
Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

Hi, I spend over XXXX XXXX dollars a month with American Express. On Saturday XX/XX/2019 I went to transfer points to several names under my card as we are traveling to Hawaii  on Tuesday. I was also transferring points so that I could upgrade my wife 's family traveling from XXXX. To my surprise the account was locked stating the following : This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. 

I was not trying to sell, that is a lie. I was transferring to people who have been card holders for over 4 years. I had to cancel two tix at {$1800.00} a piece as I promised upgrades for the 20 hour flight. I could not transfer points on sat and they opted out of tomorrow trip. I am going to take my XXXX XXXX a month spend to a company that values unless they make this more than right.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Hello- Reached out several times in the XX/XX/XXXX to receive check from Closed account. Now balance is approx XXXX $ XX/XX/XXXX was told special condition to close account and taken3 days. Told to call back on XX/XX/XXXX.XX/XX/XXXX called. Said they cut check- and collided accountXX/XX/XXXX no check received. Called. Apparently check is no mailed or produced. Was told account was Closed XX/XX/XXXX. 

I want my money now.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened my account around XX/XX/2018 on Citibank branch, There is a promotion : 1. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
2. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
3. Get {$400.00} deposited to your account I meet the requirements but didn't receive any bonuses, I called citibank, they say they can't see this promotion on my account thus couldn't verify it.
Consumer complaint received 2018-09-10
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)

XXXX, XXXX, and Equifax were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

When I got a new lease of a new car from XXXX XXXX of XXXX in Spring of 2015, I was offered floor mats for a fee of {$100.00}. I declined. At the conclusion of my lease of a XXXX  XXXX XXXX, I was presented with end of lease fees. Included in those fees were ( 4 ) {$35.00} charges, totaling {$140.00}, for missing floor mats. 

I have tried repeatedly to address this with TFS ( Toyota Financial Services ), the  dealership, and the Toyota Customer Experience Team. My case # with the Customer Experience team is XXXX. The agent I have worked the most closely with on this team, named XXXX, told me over the phone in XXXX that the dealership admitted to her that they did not include floor mats in my lease. The dealership has promised me ( in early XXXX ), and XXXX, in late XXXX, that they would pay the {$140.00} fee directly to TFS, since TFS is demanding payment, despite my not having received these floor mats at any point during the lease. 

Despite their admission, and promises, the dealership has not remitted payment to TFS in the amount or {$140.00}, nor any amount. TFS claims the dealership contacted them on XX/XX/XXXX to do " research. '' The customer experience agent XXXX  claims the dealership has promised to call her back to resolve TWICE, with no call actually made. I am getting nothing but the run around and lies from the dealership, and the Customer Experience team is no longer being helpful ( three times they have promised to follow up with me only to never call ). Of course I should not owe money for a product I never received, and Toyota needs to figure this out internally.
Consumer complaint received 2018-09-10
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)

I have submitted multiple letters to Equifax requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Equifax providing the proper validation of the debt.