davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a government employee who qualifies for PSLF. I have been making payments on my loans since XX/XX/XXXX. There were no interruptions of payments as every month the payments were deducted automatically from my bank account. At no point did I request a forbearance nor was I aware of my account going into forbearance. Last year, XX/XX/XXXX, I submitted my form for PSLF. Once I requested to be considered for the Public Interest Loan Forgiveness program, my former lender, XXXX, transfered my account to XXXX. At no point was there an interruption of my payments as I mentioned above the payments were automatically deducted. Today, I spoke to XXXX to inquire about the status of my PSLF certification. I was informed by the rep that only one payment ( XX/XX/XXXX ) qualified for PSLF out of all the payments I made between XX/XX/XXXX-XX/XX/XXXX because of an administrative forbearance that was placed on my account without my consent. Again, I have been making monthly payments on my loans the entire time. When I asked the rep about the forbearance she stated it was placed by XXXX from XX/XX/XXXX-XX/XX/XXXX. I asked to speak to someone who could assist me in this and she informed me there was no one to speak to but she can send my PSLF application for review. This infuriates me. I have been paying off my student loans diligently and I don't want to get screwed by this lender. Please have someone get in touch with me asap because I do not trust XXXX and XXXX to take care of this. Thank you!
Consumer complaint received 2018-09-06
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. (RI)

On XX/XX/XXXX sent dispute to XXXXn and Equifax concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/Equifax finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Experian 's FAQ on their site states that the customer can call in and request that a corrected credit report be resent to a recent creditor 's inquiry ; however, when I called in ( XXXX ) I was told this is not possible and that the inquirer would have to inquire again resulting in an additional hard inquiry and contrary to the website FAQ which I read to the agent and stated this contrasts with the information I am being told. 

Quote from : https : //www.experian.com/XXXX If you have applied for credit within the last six months ( the past 12 months for residents of Colorado, Maryland or New York ) , you can request that an updated copy of the report be sent to those creditors. You can also request that Experian send an updated copy to any employer who has requested your report within the last two years. 

In order to make your request, call the toll-free telephone number included with your personal credit report, or mail your request to the address listed on your personal report. Please be specific with regard to which creditors you are requesting updates be sent. Or, visit Experians Fraud Center for  more information.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (WI)

Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. 
We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit Services , Inc. is attempting to collect a debt for a creditor named XXXX XXXX XXXX XXXX, which is my mobile carrier and I am in good standing. 

When I question them about this debt, they then say this is for XXXX XXXX XXXX XXXX XXXX. 

I contact XXXX XXXX XXXX XXXX life to have them provide security services for a home. They were not able to install the service when required, subsequently, nothing was signed, nothing was installed and the service was NEVER activated. I am not able to get any on at XXXX XXXX XXXX to address this issue.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (NY)

A company by the name of XXXX remodeling replaced the roof of my house through financing and took out a loan of XXXX with Acqua Finance. Only XXXX was used on the roof, materials were bought for XXXX and talent by XXXX XXXX. I explained this to Acqua Finance and I was told that there is nothing they can do since the dealership is not answering their phone calls and even though I showed them proof.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

My credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. 

I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my card.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have filed multiple disputes with Equifax in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX On XX/XX/2018 I sent a method of verification letter to Equifax via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NH)

XXXX offered a promotion where they would give a {$25.00} credit to your first purchase if you sign up for their credit card. I purchased a XXXX XXXX  XXXX XXXX for {$190.00}? Then I set up a recurring payment in my bill pay. So I paid {$170.00} with the recurring payments until the payment purchase was complete. Shortly after I paid off the loan, I started receiving bills from ( XXXX? ) at the time. I explained to them that I satisfied the terms of the purchase, however they proceeded to harass me with requests for payment. They sold the phony debt to Midland Credit XXXX agency. Although I explained to them several times I have proof that I completed the terms of the loan, they played games with me. They would say, " We will suspend the demand for payment temporarily and let you know what to do. '' They refused to allow me to send copies of the bank statement showing the proof of payment. It's amazing to me how credit card companies can escape accountability for acting like their customers have not paid what they actually paid.
Consumer complaint received 2022-02-08
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. (MI)

XXXX XXXX AT XXXX XXXX XXXX XXXX TX XXXX HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (TX)

I paid off my account with affirm so that i can get my dti down to get approved for a home loan and affirm update my bureau report as i made a payment not paid off, i have yall to several associates and they will not help me
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM XXXX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
XXXX.. 
XXXX.. 
XXXX..
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (IL)

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task. 

I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX. 

After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice. 

I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX. 

I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund. 

XXXX XXXX still has XXXX balance at {$420.00} on XXXX. 

Even though XXXX XXXX said they would send my refund - they still have not done so.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

On or around XX/XX/2019, Midland credit agency brought an unverified debt from XXXX XXXX. This debt was not verified with the consumer. Please provide documentations that supports why you believe the consumer is responsible for the debt, and why you believe the consumer owe this specific amount. I would like to see proof of your five days of the verified " post dated letter '' letter to the consumer in question, proof of debt, with the '' XXXX XXXX Ink Signature '' and " Court '' proof. XXXX U.S.C 1692 ( F ) section 808 Validation of debts, 15 U.S.C 1692 ( e ) section 807 false or misleading representations. I DEMAND this account ( MCMXXXX  ) be deleted immediately or I will file for litigation due to the stress you caused me and my family.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (MO)

on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX  who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and Screwing my CREDIT!
Consumer complaint received 2018-09-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent letters to Experian and XXXX  for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked Experian and XXXX  for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like Experian told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to Experian And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

my name is XXXX XXXX. XXXX. 
I have no luck resolving my issues with equifax. These are the following issues. 
my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
Equifax has multiple other addresses on my credit, they are reporting incorrect information which is not lawful under FCRA. I only get U.S Postal mail at the above address. 
There were also multiple accounts on my credit That i was unfamiliar with and had asked for them to remove and they have also failed to do so. 
So I went and got an affidavit and filed a police report as well. 
Under the FCRA section 605B they are suppose to remove everything within 5 business days under the FCRA. They have also failed to comply.

Also Under section 611 of FCRA they were suppose to inform me of name, address and phone number verifying the information which I requested and they have failed to provide as well. 
Equifax is in many violations of the fair credit reporting act.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch (CA)

I currently owe a small debt ( {$400.00} ) to Cypress Financial LLC.

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.