davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. 
Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-09
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. (AR)

In 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. 1681s-2, a furnisher has a duty to provide accurate15 information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (NV)

Lexington law has my account is cancelled. They sent me a letter stating that I could realis with Lexington law. I called the XXXX number and I tried to re in less and they told me that they couldn't do it because I found the CFPV complain. as a consumer I have the right to use the CFPB to fight issues that are in correctly associated with me in my accounts.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX, I received correspondence from Mr. Cooper which indicated that I did not meet the terms of my Trial Period Plan for the Loan Modification Program. I am concerned with this notice because I did in fact make the required payments both in XXXX and again in XXXX. 

In XXXX, I requested participation in the Loan Modification Program. My application was accepted and resulted in the requirement of making payments under the Trial Plan Period. I made a total of three payments during that period : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX. 
After the payments were made, I waited patiently for Mr. Coopers final determination. Approximately 6 months later, I was told that the payments were never made. Therefore, in XXXX, I appealed this decision. My appeal resulted in my reenrollment in the Loan Modification Program. Again, adhering to the requirements, I made a total of five payments : XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX The additional payments were made as Mr. Cooper stated they did not receive two of the previous payments. Rather than dispute the issue, I conceded and made additional payments in an effort to move the process forward. 

Since the payments, I have made on-going calls to check the status of the loan modification application, in addition to determining if there were any other payments or actions required by me. I was told by multiple representatives that my application is being reviewed and I should receive correspondence soon. They further stated that payments were not required and can not be accepted by me due to the status of my account. 

Now, almost two years later from the payments I have made, I find myself facing the same circumstances as before. I am not sure how this continues to occur considering payments have been made in accordance to the terms of the modification program. In an effort to support my claims, I have attached bank statements which document all payments made to Mr. Cooper during XXXX and XXXX. 

If possible, I would appreciate a call from a representative as there are several matters that are not clear about this situation.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC (WA)

On XX/XX/XXXX XXXX I entered into an agreement with OMNI XXXX XXXX  for personal loan that required an allotment to be setup for payment and bank account information submitted for backup payment. 

On XX/XX/XXXX I learned that OMNI XXXX XXXX were potentially violating the Military Lending Act by doing this. 

This is still the method that they use today and I was never notified that it was not a requirement or not allowed in accordance with 10 U.S.C. 987 ( e ) ( 6 ). Also that having my bank account information for repayment was in violation of 15 U.S.C. 1693k ( 1 ). 

My loan was finally paid off on XX/XX/XXXX and I have stopped the allotment and now feel comfortable to report their practices.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiry, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiry or have Equifax get back to me with regards to the issue. Here are the items and inquiries that concern me : XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2018-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I currently paid XXXXXXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX & Equifax on XX/XX/2018 Merchants and Medical XXXX on XX/XX/2018 XXXX XXXX XXXX Equifax on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXXXXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX and that have not received anything from XXXXXXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX Clerks office . I had to seek legal council to represent me since the XXXX XXXX, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing XXXX XXXX. This has negatively impacted my credit enormously and caused me significant stress.
Consumer complaint received 2018-08-14
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. (FL)

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX  ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (CO)

My CDL portion of my license is inactive because i do not have a current DOT physical. Obviously that means I can not do a CDL job until I have a current DOT physical but on my background check it says my personal license itself is cancelled & i have been passed over for multiple NON CDL driving jobs because of this error. My normal license is valid still. This error is costing me job opportunities, this most recent employer is the 1st one to elaborate why I was passed up for a job. I got a copy of my report from the DMV & it says my regular driving license is valid.
Consumer complaint received 2022-07-08
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union # XXXX, has violated my rights.

15USC 1681 Section 602 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 a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

Set up 2 external bank transfers on XX/XX/XXXX through Marcus. 

1 ) {$500.00} to XXXX XXXXXXXX XXXX XXXX ) {$5000.00} to XXXX XXXX Marcus called me on XX/XX/XXXX to confirm transactions. I confirmed the transaction. Marcus then refused to process and restricted outgoing funds ( my money ) to 2 accounts they deemed acceptable. 

This is completely inexcusable. The bank needs to honor my fund requests when directed to do so. It's my money, not theirs.

I've also lost 2 days of interest as Marcus hasn't returned the funds to my account yet.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

In XXXX I filed a claim for a transaction in the amount of {$95.00}. I did not recognize the transaction. Chime denied the transaction within hours of my submission. I asked for the documents used in the course of their investigation on XXXX XXXX. Chime responded that it could take XXXX days to provide me with these documents. On XXXX XXXX I still had not received the documents. I called and spoke with XXXX around XXXX. She advised that Chime emailed them to me on XXXX XXXX. However, I have my own domain email and email server and can check the email logs to the most granular level. A search of my server logs from XXXX XXXX to XXXX XXXX shows no email from Chime was sent, received, rejected, or deleted from my email address. Claim ID XXXX
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2020-08-01
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: AMERICAN EXPRESS COMPANY (CA)

I have a loan with XXXX, XXXX XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX, XXXX XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (UT)

Citibank who issues a card for Home Depot would continually issue late fees when payments were submitted on time. Would have to call regularly to get fees rescinded. Finally had it with this credit card company, called and cancelled card. Entire amount was paid off. Company continues to send statements with minimum late fees of {$2.00}. They have their robocaller calling me every day to collect the amount due. Called the company several times. They will not remove the fees, talked to a " manager '' he said he could only remove {$2.00} of the fees not the other fees they have charged to the " closed '' account. Am receiving monthly statements with the minimum fee added of {$2.00}. This is the worst credit card company ever in my experience.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITALONE Account Number : XXXX
Consumer complaint received 2022-03-09
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. (CA)

I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late removed from my credit report immediately.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with The Fair Credit Report Act XXXX  account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I only recently learned of a negative item on my credit report due to Colorado 's Consumer Credit Reporting Act. Only one agency has notified me in compliance with the law and that is XXXX. I have heard nothing from XXXX nor TransUnion.