davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NY)

In XXXX I received a notification from the bureaus that SEQUIUM ASSET SOLUTIONS reported a {$58.00} XXXX bill to my credit bureau. prior to this I did not receive any phone calls ( even though he claimed they did call XX/XX/XXXX ), i never received a letter from this company and XX/XX/XXXX i paid XXXX directly not this so called company. now SEQUIUM ASSET SOLUTIONS is refusing to remove the collection account from my reports and only marked the debt paid. I did not pay SEQUIUM ASSET SOLUTIONS i paid XXXX and this account should be removed
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

I was a XXXX customer until 2017 when my account was compromised as many others and someone tried to purchase 2 XXXX products under my account. The fraud department contacted me about this and we proceeded with an investigation. It was later proven as XXXX very well knew, that this was order was placed under suspicion of identity theft. I left sprint shortly after for safety issues. They are now saying that I owe for past due and for 2 XXXX  products. The account was sold to Convergent Outsourcing. This is how I found out that XXXX was trying to charge me as well for the two XXXX  products I never had with XXXX. I have had 3 XXXX products with XXXX which I switched to immediately after XXXX had the security breach in 2017.
Consumer complaint received 2022-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I have loans with XXXX in the amount of about $ XXXX.Everyone knows that when you leave school, or graduate you will get a XXXX  month grace period before payments are due. I received XXXX grace period back in XXXX. I then recently left school again in XXXX of XXXX. I believed that I had another grace period, as the Master Promissory Note does NOT state that there is only XXXX XXXX grace period per loan. Once I realized that Nelnet has been reporting to all credit bureaus that I have been missing payment, and tanking my credit score, I reached out to them via email on XX/XX/XXXX. I was then told you only get one grace period. I asked that they send me a copy if the MPN I signed stating that. The document they sent me does not state only XXXX. It just says " a grace period ''. I responded and let them know this, and they asked that I call. I called on XX/XX/XXXX and the rep tried to reiterate the XXXX grace period policy, and I told her that the XXXX does NOT say that. She put me on hold several time while her and her supervisor tried to find where it states it. They could not. I was then told I had to send an email to XXXX to escalate my issue. I did so on XX/XX/XXXX. I received a call the next day I believe and was told that because my student loans are consolidated, I don't qualify for a grace period at all. I asked where that is written and I signed it, and he told me that the MPN for the consolidated loans does not mention grace periods at all, and I should have known that I did not get one. I said that lack of information is both unfair and misleading when all other loans do get a grace period. So why wouldn't I think it would also apply in my case. He basically said I should have known. I do not think this is fair and I just want them to report correctly to the credit agencies that I am not late on payments.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2022, opened a XXXX Checking account in response to advertisement offering bonus when opening an account, depositing via XXXX a total of {$1000.00} within 30 days of account opening and registering for online banking within 30 days of account opening. After meeting all terms and conditions, it was said that bonus would be paid within 90 days ; however, as of the date of this complaint, no {$400.00} bonus has posted to account.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (NV)

On XX/XX/XXXX per XXXX Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
XXXX Credit Card application number XXXX, XXXX, XXXX, XXXX and XXXXXX/XX/XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XX/XX/XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX, XXXX, XXXX and XXXX XXXX Credit Card application number XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application numbers XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I had funds in my Venmo account, and someone ( no clue who ) was trying to take funds from my account. I kept getting calls from Venmo asking if I authorized the charge I said no each time. Then someone added their own account and transferred all my money to their account. I have no idea who the person is. It is clear it is not me and he set up his account the same day. I called Venmo when I received notification the transfer went thru. I have called them several times and they keep telling me 7 to 10 business days. I filed the dispute on XXXX today is XXXX. I have sent several emails with no response. I chatted with a representative on the app and they wouldn't and help said I had to wait. And today I called and they said they didn't see a dispute filed and the process needed to start over. I asked for a supervisor and he was not helpful. I asked for his supervisor and he said there was no one higher up he can give me. He can only send an e-mail. This to me is so wrong, its like a bright light that fraud happened on my account. I have a late payment on one of my loans because I was expecting those funds. I want a full refund and any late charges I have incurred.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (TX)

On or about XX/XX/2021, I was in check out self serve line at Sam ' s Club when clerk there approached me asking if I wanted to update my card. Informed her I had recently renewed membership and obtained special benefits. But she assured me it was different and no credit check, just accepting additional benefits at no charge. Again I warned her no credit check, right? I had her input information and she said someone would contact me. Today, XX/XX/2021 when opening mail from late Saturday. It is denial letter from Sam 's for credit product!
Consumer complaint received 2019-06-17
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. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

First I was charged a XXXX late fee for paying a few minutes late. I was not aware of the time limit and XXXX  XXXX  XXXX Comenity Bank refuse to waive fee. This was the first time I was late. 
Secondly, my payments are not being applied to the lowest interest balance. 
XXXX  XXXX  XXXXComenity Bank refuse to make the necessary adjustments after I contacted them regarding the issue.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (OR)

It has come to my attention that equifax will no longer be giving consumers their rightly owed money, as a matter of financial practicality. I believe that not only is this immoral, but that the FTC and other consumer representative bodies should step in and further penalize equifax. This is primarily the case for three reasons. One, consumers never co wanted to the financialization and indexing of their habits by way of banks and other parties interested in exploiting them. Credit scores, credit ratings, and other abstract instruments are tools of an oppressive capitalist class and do not protect our interests. Second, it is also the case that consumers have been robbed of their privacy because of equifaxes gross negligence. Finally, workers have seen no real wage increases and thus, rather than opt for protection they wanted cash. This need for liquid assets is directly linked to speculative markets and the creation of new debt mechanisms which equifax and their ilk directly profit from by collecting interest from already strapped consumers. So pretty please, with sugar on top, do your XXXX job.
Consumer complaint received 2020-02-13
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)

This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}
Consumer complaint received 2020-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX  XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX  XXXX  XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2021-04-14
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. (IL)

Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.
Consumer complaint received 2020-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the XXXXivil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX  2. XXXX  XXXX XXXX 3. XXXX XXXX  XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX  XXXX XXXX  XXXX  I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2020-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I purchased a home in XXXX with a VA loan through a company known as XXXX. The loan servicing company was Lakeview Loan Servicing. About 9 months into the loan ( XX/XX/XXXX ) we were contacted by Lakeview about a rate reduction refinance. As part of this offer they gave ; 2 months deferred payment, lower interest rate, reduced payment by {$700.00} per month, The payment to XXXX was approx {$2800.00}, this was reduced to {$2100.00}. 

It seemed like a legit offer. About 4 months after we agreed ( XX/XX/XXXX ) I received a notice from the county tax office that property taxes were due. This was part of our original loan agreement with XXXX. 
Lakeview was notified and the taxes were taken care of in XXXX. I have now received notice from Lakeview that the escrow is short {$5500.00}. They are effectively now trying to recover XXXX taxes and XXXX taxes. These funds should have been paid through the original loan agreement. 
Now they are trying to increase my monthly payment {$770.00} per month. We can not afford to take this additional cost. I believe they made a predatory loan offer knowing that they could not offer a better deal on the XXXX loan so they intentionally mislead the offer to make it sound better. 
I was unemployed for 7 months in XXXX and just now returned to work at a much less of a salary. We have been able to pay the agreed upon loan at {$2100.00} but can not afford to that much of an increase. 

The amount actually given to principle is only {$500.00} per month, it is ridiculous that they collect that much and can not pay the taxes and insurance and still make a substantial profit over the course of the loan. 
I need help to make this right.
Consumer complaint received 2020-02-13
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. (NY)

I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-02-13
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. (NY)

I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-02-13
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. (CA)

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH EXPERIAN. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX