davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit with the fair Credit Reporting Act XX/XX/XXXX account # 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 an account without my written instructions.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; ; XXXX ONEAL XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inaccurate names, Inquiries and accounts as soon as possible.
Consumer complaint received 2021-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft XXXX XXXX XXXXXXXX This is not mine 2. Identity Theft XXXX XXXX XXXX XXXX This is not mine 3. Identity Theft CAPITAL ONE XXXX This is not mine 4. Identity Theft CAPITAL ONE XXXX This is not mine
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

In the course of my student loan, I have been making payments and I feel that the payments haven't been added to the debt, the company stated that I am delinquent over 180 and my payments are auto pay. This has had a negative impact on my credit score.
Consumer complaint received 2018-12-14
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. (ND)

I have confronted Equifax and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided Equifax, XXXX, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and Equifax lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
Consumer complaint received 2021-11-29
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. (NC)

On XX/XX/XXXX, and XX/XX/XXXX, I disputed the information reported by the TransUnion with the XXXX XXXX XXXX XXXX XXXX department and received a response on the aforementioned dates. I was notified via email that the creditor would contact TransUnion to remove the closed date of XX/XX/XXXX. This account is open and current. To date from the initial email from the creditor TransUnion has failed to remove the closed date. I feel like these disputes are being totally ignored while my credit score suffers the impact of inaccurate reporting.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX showing on my credit report XXXX I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inaccurate names, inaccurate DOB, Inquiries and accounts as soon as possible.
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

MY ORIGINAL SUBMISSION FOR MY LOAN MODIFICATION REQUEST WAS ON XX/XX/2018 SINCE THAT DATE MY POINT OF CONTACT XXXX XXXX WILL CONTINUE TO REQUEST THE SAME ITEAMS WE HAVE EXPLAIN TO HER MULTIPLE TIMES IN WRITING MY WIFE XXXX DOES NOT RECEIVE PAY STUBS BECAUSE SHE WORKS FOR A SMALL COMPANY HAVE SUBMITTED VERIFICATION OF EMPLOYMENT LETTERS FROM MY EMPLOYER W2 'S AND SHE WILL NOT ACCEPT IT. SHE WILL CONTINUE TO SAY MY PAY STUBS ( XXXX ) DO NOT HAVE MY EMPLOYER NAME OR MY NAME ON THE PAY STUBS WHEN ITS CLEARLY ON THE TOP RIGHT HAND CORNER OF EACH OF MY PAY STUBS. I WANT MY FILE TO BE MOVED FORWARD I AM AFRAID OF LOOSING MY HOME. PLEASE HELP ME.
Consumer complaint received 2022-06-16
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: Trojan Professional Services, Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

US Bank sent out a very deceptive promotional credit card offer that on its surface sounds enticing, but which if they had marketed it honestly almost nobody would even consider acting upon. The promotion is clearly worded in bad faith to mislead consumers. 

On XX/XX/2022 I opened a letter letting me know that I could " Earn up to 20 % more cash back on purchases this spring! '' in large letters for my US Bank CASH+ credit card ( well known as a 5 % cash back card ). 
Below this was another informational box that also says " For a limited time, earn up to 20 % more cash back on purchases when you use your CASH+ ... '' Below this is a smaller box that mentions " Earn up to 20 % more cash back ( up to {$20.00} ) on purchases after you spend {$2800.00}. * '' with the footnote asterisk. 

The footnote asterisk explains that what you ACTUALLY get is that after FIRST spending {$2800.00} ( in under 2 months ), spending after that will be awarded a bonus 0.2 % cash back per dollar spent up to {$20.00}. 

This is completely ridiculous on so many levels. This is a 5 % cash back card in selected categories, and while I understand that the base cash back is technically 1 %, marketing " 20 % more cash back! '' to mean 0.2 % more cash back on a 5 % cash back card is already deceptive. Furthermore, huge letters indicating 20 % more cash back, and tiny letters at the bottom saying " first spend {$2800.00} and then {$500.00} more for your {$20.00} cash back '' is clearly deceptive. And even further, doing that math, {$2800.00} + {$500.00} spent for {$20.00} of bonus cash back is not even close to 20 % more cash back on that whole spending volume, and no combination of spending could achieve the upper bound on the " up to 20 % '' promise. 

This promotion is clearly offered in bad faith hoping that people who don't bother to read past the huge " Earn up to 20 % more cash back this spring! '' spend large amounts of money on their credit card thinking they're going to get a huge discount on their purchases in the form of cash back, only to discover that if they didn't spend over {$2800.00} in two months they get nothing, and even if they DID, all they can get is a max of {$20.00}.

Frankly ridiculous, I've never seen US Bank put out a deceptive promotion like this and I'm frankly appalled at how disingenuous it is.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MN)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$150.00} {$140.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$3500.00} These were payment made to this debt collector with the agreement to resolve the judgments with ( XXXX XXXX ) & XXXX XXXX XXXX. 
However, I continue to receive letters threating to garnish my wage.
Consumer complaint received 2022-06-19
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. (IL)

In accordance with the fair credit with the fair Credit Reporting Act XX/XX/XXXX account # 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 an account without my written instructions.
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

In XXXX I opened a JC Pennys credit card through Synchrony Bank. I was affected by a natural disaster ( hurricane ) and my credit card payment was returned. This resulted in my account being closed. I understood completely and paid my balance off. This account still affects me negatively to this day. 

On XX/XX/XXXX, XXXX credit monitoring services alerted me to a flagged account reported on my credit file.I was shocked because I have worked hard to maintain a strong credit score. The alert read JCP/Synchrony Bank has flagged my account as 119 days past due and/or 4 or more payments past due. This account has been paid off for two years now.

This flagged account resulted in my credit score dropping XXXX. This has significant impacts on my day to day life. How much more do I need to pay for this account being closed? How much more money can I give Synchrony Bank for them release their choke hold they have on my credit score? I will do anything. Name your price.

I have tried reaching out to Synchrony Bank using the number provided to me buy XXXX but have got the run around and have had no luck in getting answers as to why my two year old account was flagged.
Consumer complaint received 2024-02-02
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.
Consumer complaint received 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (GA)

Regarding Global Lensing Services I purchased a vehicle from this company in XXXX of XXXX. The car was only around XXXX $ my payments are XXXX monthly. I am still being told I have a payoff of almost XXXX after having this car for almost 7 years. I did move about XXXX payments to the back during the course of the loan and offered to pay that in XXXX. I was told that I have paid mostly nothing but interest during this loan. I am a single mother of XXXX children and need a car to get to work however after being hospitalized for COVID I missed another payment and I am not in default and being told that my car is in repo status. Global lending is a ripoff and I do not advise anyone to use this company.
Consumer complaint received 2021-06-10
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, Experian and XXXX  have failed to respond.
Consumer complaint received 2022-06-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-03-04
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy.

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2022-03-04
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.