davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (PA)

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, Experian and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Consumer complaint received 2018-08-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Solution Providers LLC (OH)

FINANCIAL SOLUTIONS PROVIDERS out of XXXX Florida have been calling me repeatedly at work and on my cell after theyve been told to stop several times. They leave intimidating and threatening Voicemails saying my wages will be garnished soon etc. Ive talked to more than one person from here and all have been very unprofessional. They called my work several times and this last time the head of HR told them not to call back. They even called my place of Employment to file a complaint against me for using racial slurs against them. IMO if youre calling to harass me and my place of work everyday after being asked to stop Im not gon na be nice for long. Its always the same Guy who calls his name is XXXX XXXX but today XX/XX/XXXX he left a voicemail claiming he was a Mr XXXX XXXX .... but it was clearly Mr XXXX. When I called him out on it he hung up on me. I called them back and he answers as Mr XXXX XXXX lol. Another time when I called a woman there pretended to be with the XXXX Sherrifs Department. I called another time and a XXXX who claimed to be the Manager said he was going to file a complaint against me with the sherrifs Department for calling them 48 times and using racial slurs. The one time I did call them probably 20 times or just under but certainly not 48. Again, if youre gon na harass me Im gon na harass you. I was conned by a Dealership, whom the owner was who sold me the car was sued for over 100,000 for lying. It was a XXXX XXXX XXXX for {$9900.00} which I paid paid over 5,000 on. The thing was a total lemon, and the Dealer refused to fix it. I could not afford to fix it plus pay a XXXX a car payment, I told them to come get it. The Vehicle only sold for {$1500.00} at Auction and needed that much in Repairs.  Its beyond hilarious that they expect me to pay the difference so somewhere around XXXX. The XXXX was never worth XXXX to begin with and according to XXXX XXXX XXXX it should certainly be worth more than 1,500 even in bad shape. So the fact thats all they were able to get for it says a lot, like its a piece of XXXX in need of multiple repairs. I hope these XXXX  file to garnish my wages, the way these XXXX debt collectors have acted, plus the scam of a Dealership it came from I feel pretty confident.
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: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

In 2020, a collections agency contacted me about an account they purchased from XXXX XXXX XXXX. I submitted numerous documents to prove that XXXX XXXX XXXX was illegally withholding my deposit and charging me {$3000.00} for a penalty, claiming I broke my lease and did not provide them with written notice that I would be vacating the apartment at the end of the lease which was almost 2 months later. They included charges for items I documented on the move-in sheet that they never fixed. I tried to work with the local office, the collection agency, an attorney, XXXX, and the 3 credit reporting agencies. Their excuses run rampant, and I can no longer access the many maintenance requests etc. as the company uses a resident portal that I no longer have access to. I submitted over 30 pictures and documents to Fair Collection and Outsourcing, and they returned a response of " XXXX XXXX said their information is valid ''. 

This is the only negative account on my credit report, and after researching, I've discovered that this company has been sued multiple times in multiple states and even investigated by news organizations for their illegal business practices. I can not prove that I handed the written notice to the employee behind the desk because I did not know anything like this would happen. Please tell me there is something I can do to have this removed from my credit report and any way that I can help in protecting other consumers from this company.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (KS)

My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I have a XXXX APR balance transfer on my citi custom cash card ending in XXXX. I make enough payments to cover the minimum plus the purchases accrued over the month, I wait for the payments to settle before paying the card. My initial balance transfer was {$6600.00} on XX/XX/XXXX, it has been reduced to {$4900.00} as of XX/XX/14, while my purchase APR has gone from {$0.00} to {$760.00}. I make more payments that purchases each month, yet that amount has continued to creep up. You can see the discrepancy begins in XXXX. 

I am intentionally trying to not pay down the XXXX APR balance and only just cover the purchases subject to the higher interest rate. According to how I paid it down, I understood that I should have about {$6300.00} still at XXXX APR. 

I have been hung up on multiple times when speaking to customer service regarding the issue. I'm told they will check with their coworkers, as there appears to be an issue, then I am left on hold and they hang up eventually I believe Citi is prioritizing paying down the balance transfer instead of purchases, and then charging me the high interest rate on purchases.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Walwick, Inc (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2018-08-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TFC Group, LLC (CA)

First and foremost I appreciate your undivided attention to my concerns and complaint with Trading Financial Credit. I do agree with borrowing the amount of {$10000.00} with using my daughters vehicle as collateral for the loan. However, Im very appalled by the unforeseen excessive interest we have been charged in the amount of 96 %. The fees are out of contents, control and abnormal, I would like to believe there has been a misprint or oversite. It would be devastating to find out we have been taken advantage of as consumer or customers. Im a XXXX employee and have fulfilled my balance with this company of {$10000.00} plus more. If you can please assist me with an audit and investigation I would appreciate it. Since my wife lost her job in 2015, we continue to experience on going financial hardships, never did I imagine I would be taken advantage after only seeking a loan in the amount of {$10000.00} and fulfilled by paying back {$13000.00}. Just to be notified that I still owe almost {$10000.00} worth of interest. As I was desperate to make ends meet in our household of XXXX, I use my daughters car for a Title loan and she is not very happy about the remaining balance. 
Attachments XXXX ( XXXX MB )
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX 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: EQUIFAX, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
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 status incorrect
Company: Affirm Holdings, Inc (MA)

After checking my most recent credit score, I contacted AFFIRM and mentioned to them that the information on my credit report is incorrect. They sent me a letter saying the account would be deleted on all three beureaus. It still shows on XXXX and is not properly updated.
Consumer complaint received 2018-08-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a fraudulent and negative account on my credit file that doesn't belong to me I have sent them all the documentation and police reports to have this removed and they have failed to correct this matter. it has been over thirty dys and they never informed me of the investigation results and as far as I know never researched it. I have submitted numerous written disputes via mail, online and via phone. I told this will be resolved and never has been after numerous months of working on this with them, they are the only credit agencu with this incorrect information appearing
Consumer complaint received 2022-07-08
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. (GA)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-03-22
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
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 AM DISPUTING MY ACCOUNT WITH EQUIFAX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXXXXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM DISPUTING MY ACCOUNT WITH XXXX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Credit Service Inc. (OR)

Today I was notified of a writ of garnishment by XXXX XXXX XXXX of XXXX Or. XXXX. I had just paid off and completed a garnishment so was confused as to why this was being garnished again as I do know that at the time of the original garnishment all fees need to be applied. When I contacted them I asked them about the debt. They informed me that the garnishment was from the remaining balance of a prior garnishment in 2001. ( this would be 17 years of interest on a small amount ). When asked why when I called previously to discuss the other garnishment and asked if there was any outstanding amounts owed I was told no. During the conversation with the representative when asked about consumer rights was informed that its optional for them to follow those guides. The Fair debt collection act and oregon law states 7 yrs and 10 yrs respective to collect on a debt. This is not the first time this has occured as the previous garnishment was also from over ten years ago. Additionally, when I pushed for the information on this 2001 garnishment I was informed that it was to far back to look up what the debt was for.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (CA)

XXXX XXXX  mailed excess escrow funds of {$1500.00} to me in late XX/XX/2018 then increased my PITI payment from {$1200.00} to {$1200.00}. On XX/XX/XXXX I returned THEIR FORM, attached with a {$500.00} check which they cashed to cover the anticipated increase X 2.5. On XX/XX/XXXX I wrote XXXX XXXX  another letter stating XXXX XXXX  does not have my permission to debit more than the prior amt of {$1200.00} from my checking as they have more than enough money in escrow to cover taxes and insurance. They refuse and continue to debit {$1200.00} per month. They claim that I am trying to prepay my T & I and that they are trying to prevent any shortage. Every PITI payment they collect is PREPAYING the T & I and there is no shortage!
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MO)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

RE : XXXX This is a portion of their response to my complaint. 

We sent you the enclosed letter dated XX/XX/2023, informing you that if you don't successfully complete the terms of this agreement, we'll charge off your account and may send it to a debt collection agency. 

I would like to see " HIGHLIGHTED '' in this letter, dated XX/XX/XXXX, where they stated that the settlement could not be voided. All I am trying to do is continue to make payments until {$4200.00} is paid in full rather than {$2100.00} that was previously settled on. I do not understand their reasoning, as they seem XXXX bent on wanting to have a charge off on my credit repot. As I stated previously I am trying desperately to rebuild my score. XXXX also made a settlement agreement with XXXX XXXX, who worked with me to catch up the delinquency and continue payments as established when the account was opened. I do not understand why they are refusing to accept full payment rather than the settlement amount.