davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (GA)

I wish to Early Pay Off the merchandise purchased/leased 90 days According to my contract they are trying to charge a pay off amount that exceeds the contract amount agreed.

I am paying within the early pay off option.

The cash price is XXXX with a payment of 30 initial payment deducted a 10 buyout fee added and a deduction for 2 payments of XXXX ( totaling XXXX ) this leaves a balance of of {$1200.00} Acima is requesting a sum in excess of this.

Clearly the contract makes no provision for this.

they are refusing to open a dispute process they are saying additional tax is due but that is not reflected in the contract.
Consumer complaint received 2019-01-05
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I went through a modification process with Wells Fargo some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now Wells Fargo. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
Consumer complaint received 2019-01-05
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. (PA)

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which  gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Consumer complaint received 2019-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (PA)

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Consumer complaint received 2023-07-31
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (OH)

Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against Santander. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with Santander, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from Santander on credit reports.
Consumer complaint received 2019-09-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

Submitted an application to Franklin Credit Management Corporation in XXXX. We received a denial letter on XX/XX/XXXX denying our application for not having enough income. We had 30 days to do an appeal. On XX/XX/XXXX we submitted pay stubs ( new employer for XXXX XXXX my wife ), one profit and loss statement XXXX XX/XX/XXXX, and room rent. On XX/XX/XXXX we received another letter denying our appeal request because of the income. The income on the letter is not right. XXXX XXXX the account representative was absolutely rude and accused us of trying to manipulate the file. That is a big accusation from this person. We are trying to save our house. How dare can he accuse us of such a thing. XXXX XXXX was evil.
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (SC)

I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. Online Information Services is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
Consumer complaint received 2019-01-05
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: DISCOVER BANK (FL)

Your reply to the consumer affair has nothing to do with what I am referring to. In XXXX and XXXX fraudulent charges where made which followed to XXXX. You guys have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XXXX there were a lot of charges made on that month you charged me for. the money you said i owed for XXXX, I did not owe. You owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XXXX because you didnt know what I owed for XXXX. I had fraudulent charges in which you agreed to in your investigation. you guys are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what you we has nothing to do with my dispute.
Consumer complaint received 2022-07-19
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)

________________________________________ XXXX XXXX TRANSUNION XXXX XXXX XXXX BALANCE XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY. 

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Consumer complaint received 2020-09-25
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. (OH)

In XXXX of this year I paid off my current balance with XXXX  XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX  XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Consumer complaint received 2019-08-04
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. (WI)

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ Equifaxs breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

XX/XX/2018 {$4400.00} XXXX XXXX. Original Creditor XXXX XXXX XXXX. I gave 60 days notice that I wasn't renewing my lease. They stated they had to repair and clean stuff. The repairs should have been fixed when work orders were submitted. Exterminator said my apt was the cleanest one he serviced in whole complex. My deposit should've been returned. They just treat me like I'm lying about it. Other places can't believe the amount they fabricated.
Consumer complaint received 2023-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

I contacted AmeriSave Mortgage Company on XX/XX/XXXX in order to get a pre-approval letter that was required by my realtor in order to preview homes to purchase. XXXX XXXX was the loan officer I spoke with and who granted my pre-approval and went as far as to process the pre-approval to a certified approval stating it would give me greater buying power writing a non-contingent purchase contract if I found a home I liked. He said he could " Lock In '' the current rate for {$500.00}, although I thought was strange since there wasn't yet a purchase contract to tie it too, but agreed only because he said I would get that back at closing. He never said in that conversation that it was NON-REFUNDABLE. Unfortunately, I did not find any homes I previewed on Saturday and Sunday the XXXX and XXXX of XXXX. I did however find land with a manufactured/modular home to buy. I contacted XXXX XXXX on XX/XX/XXXX to advise him of this and asked him if he had a loan program to accommodate this type of home, and if not, I would need to cancel the application and asked him to have my {$500.00} credited back to my account. I did not get a response. I again contacted him on XX/XX/XXXX. And again, no response. On XX/XX/XXXX I contacted XXXX XXXX, XXXX and XXXX XXXX, Pres of AmeriSave through my contacts on XXXX. I assume one or both of them contacted XXXX XXXX at that time because it was at that time I not only received an email from XXXX XXXX but also a voice mail from him. I emailed him back advising him that I was in contact with XXXX XXXX and XXXX XXXX for assistance and a resolution. It was only at that time that XXXX XXXX told me in his email that the {$500.00} was NON-REFUNDABLE. Since I had not gotten a response from either XXXX XXXX or XXXX XXXX by this morning, I tried reaching out to them again but could not because they blocked me from messaging. I would appreciate your help in getting this matter resolved as I believe I was misled by XXXX XXXX in the application process and received funds under false pretense.
Consumer complaint received 2019-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. 

Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX  XXXX XXXX representative. 

On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX  XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX  XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. 
When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. 

On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX  XXXX XXXX Checking account of {$10000.00}. 

On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. 

On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. 

In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX  XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

On XX/XX/30 a payment was made to XXXX but I didn't authorize it. So I disputed it they denied the dispute but XXXX sent the money back to them so they have the money and are refusing to give me my money and the are refusing to pay XXXX. 
Attached is the conversation where they said it was paid and my bill from XXXX WHERE IT WAS SENT BACK ON XXXX. AS OF TODAY CASHAPP IS STILL DENYING THE HAVE THE FUNDS AND ARE REFUSING TO PAY XXXX OR GIVE ME MY MONEY BACK
Consumer complaint received 2023-09-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OH)

Or or about XX/XX/XXXX I filed a dispute with Cash App regarding a disputed transaction with XXXX XXXX, XXXX XXXX XXXX XXXX for the amount of {$1100.00} which was sent to her through Cash App on XX/XX/XXXX. I provided proof that XXXX XXXX cancelled the agreement for the rent to own home on or about XX/XX/XXXX because she was unable to reach us due to an urgent family matter. I also provided proof that XXXX XXXX represented that she was owner of the property when she was not the owner and XXXX XXXX has committed fraud in representing she was owner of the property she was trying to rent to own with me and my spouse. Cash App representatives ignored my dispute, has not contacted me regarding it and has claimed at another time during XX/XX/XXXX, they do not see the dispute. I resubmitted another dispute on the same transaction yesterday XX/XX/XXXX. Cash App has poorly handled my dispute
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Midland Credit Management for inaccurately reporting information on my credit report. Importantly, I want to emphasize that I have no knowledge of, and have never entered into any contractual agreement with this company. I have neither given written nor verbal permission for Midland Credit Management to obtain my private personal details and therefore, I am not legally obligated to them in any way, shape, or form including through or by any means. 

This egregious violation of my privacy is causing significant emotional distress, as I am not unaware of any connection or affiliation between I, myself, as a natural person and consumer to Midland Credit Management. This account is a result of Identity Theft. They are violating 15 U.S. Code 1681c-2 which deems them to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. This identified account is not related to any transaction by me as the consumer. I demand that the reporting of this information be blocked and deleted expeditiously.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-30
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. (NC)

XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.