davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (NM)

This is my fourth endeavor via CFPB Complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (WV)

We had went to XXXX XXXX XXXX in XXXX Oh, On XX/XX/XXXX. We received a XXXX dollar loan from them and signed to make 11 payments of XXXX starting on XX/XX/XXXX. We have paid them XXXX all the way up until XX/XX/XXXX. On XX/XX/XXXX I called to make the XXXX payment, I asked them how much I would owe on the loan to pay it completely off at the end of the month after making the payment of XXXX and the lady had told me XXXX. On XX/XX/XXXX I had called to pay the XXXX to close the account, that is when the lady said XXXX was due on the account now. I asked how that was because I just paid them 2 weeks ago and I told her that the lady I spoke to said there was XXXX left on the account. She asked how much I had and I said I have XXXX. They said they would take them but I would have to send in money orders because they couldnt take it from a credit card. So I went to XXXX I got a XXXX dollar money order, a XXXX dollar money order and then another XXXX dollar money order. I sent them in. After a month past we figured that they had received the money and the account was closed because they didnt call and say other wise. Now that a month has past they called two ago and said that they didnt receive the second XXXX dollar money order and now the account is past due but XXXX and is going to go up everyday. While on the phone with XXXX she started screaming and cussing at me. Her exact words were Well when you want to let me XXXX  talk then you XXXX  call me back mind you I had my phone on speaker with my XXXX XXXX XXXX beside because she cant understand whats going on but she sure heard that. Then she said we had until Friday to pay her the money on the account. Every time I would call and ask them how much was due even if I called the day before they would always say there was more money on the account and not by a couple dollar, by a couple XXXX dollars. We just keep dealing with it and paying them more money but now it at the point where we have paid them XXXX dollars and they keep hurrasing us for more money. The loan says that if we didnt pay them a single dime for a full year that we would owe them XXXX and which we have made every payment and then payed them XXXX dollars, which adds up to XXXX dollars and they still want XXXX and more everyday then we would basically pay them back XXXX like we have never made them a payment for the past year.
Consumer complaint received 2023-03-18
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. (AR)

This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
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 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. XXXX and Transunion are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. Transunion is failing to report the following account In Dispute. XXXX partial account number XXXX. XXXX is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. XXXX and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking that they investigate errors on my credit report. As I understand it, they are supposed to respond to this request within 30 days. They have not responded.
Consumer complaint received 2023-03-18
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. (SC)

I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in XXXX minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX. 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I entered into a promotional balance transfer transaction with my Capital One Credit Card in XX/XX/XXXX where I paid a 2-3 % fee up front and then received 0 % interest on this balance for 18 months. I was going to wait until my credit card statement indicated that my promotional period was coming to an end and therefore I need to pay the balance or be charged interest, but this disclosure never appeared on my statement. Instead I just received a statement with the interest charge once that promotional period ended. My XX/XX/XXXX statement didn't have any indication that my promotional period was ending, including in the section titled " account notifications '', which contained the following statement : " Welcome to your account notifications. Check back here each month for important updated about your account ''. This section should have disclosed the fact that my promotion was ending and if I didn't pay the balance on my statement I would be charged interest ( because that's an important update about my account ). My XX/XX/XXXX statement also didn't disclose anything, but now had a {$110.00} interest charge. Because there is a lag between when you initiate the transaction and the balance actually transfers, I was never aware from the beginning when the promotional period exactly ended ( again I was going to rely on the credit card statement ). 

When I called Capital One to complain and ask that they reverse the interest charge and I'll pay the balance off immediately, they refused and said its not their policy to put this information on the statements ( even though all my other banking relationships do this and this is the very practice the CFPB was created to eliminate ) and that its on the consumer to know when the period ends. They also referenced a confirmation statement that is mailed to consumers when the balance transfer is completed which has the exact period end date, but I never received this. Its not available on my online account documents either. 

This is predatory and Capital One knows that people aren't going to be aware of when this promotional period ends and therefore get hit with at least one interest payment assuming they were planning on paying down the balance.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.
Consumer complaint received 2019-10-03
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. (FL)

I received information from XXXX  that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX
Consumer complaint received 2020-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (TX)

I co-signed my daughters college tuition loan, since her father couldn't and she needed the money for school. Before completing her first year, she dropped out of school. The loan is being repayed by my daughter, myself, and her father. Our personal agreement is that we split the loan into 3 payments.

I am about to make a large payment ( my portion of the loan {$5000.00} ) and we are trying to request that I be removed as co-signer on the account, since my daughter does work full time, has her own apartment and is basically taking care of herself. I am in the process of paying off all my outstanding credit as I am going to begin looking to purchase a new home.

One of the questions on the co-signer release form is asking if we are providing her diploma or a certificate of completion. When calling into  Sallie may and talking to XXXX, she advised that if we do not provide this that they will decline removing me as the co-signer for this loan. 

How can she provided this information if she quit school? How is this fair to the consumers? Why is Sallie Mae not allowing the primary applicant to remove the co-signer at their own request. 

I want to be removed from the loan as a co-signed, but Sallie Mae is refusing to do so. 

Is there any help I can get with this, as the practices seem a little fishy and I believe this is out of scope with government guidelines regarding loans.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (VA)

XXXX XXXX XXXX indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s ) have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. Virginia XXXX XXXX  XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.
Consumer complaint received 2023-03-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
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. (AZ)

I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NC)

I fell that it goes against my privacy as a customer of any financial institution to up and pull my credit report which harms my credit for no apparent reason. Synchrony Bank/ Belk is one of the worst banks to do this and they should not be allowed to pull my credit without me knowing it. I have plenty of issues with my credit without them continuously pulling my credit report and changing my credit limit more often than not. 
They gave me the credit line in the beginning which started out like at XXXX and I ahve had the account for several years and somewhere along the long because of my impeccable record of not missing any payments gave me additional increases along the way which wound up being XXXX and since then I have run into some financial problems but continued to pay them and without rhyme or reason, a couple of years ago began reducing my credit line and I just found out thru XXXX XXXX not them not my statement nor any kind of written permission to pull my credit that they once again reduced my line of credit. 

Where does the customer ahve any rights? What does one thing have to do with the other? As long as they are getting their money they should not be allowed to touch my account in any fashion or form. Do I not have rights? Used to Banks did not pull these kinds of stunts and they should but the customer should have some privileges and what problems I have with another creditor should not be anything to them unless they are not getting their money can anybody help resolve the problem in general and to show you what I am talking about I will be sending you two statements from Belk which the XXXX shows I had a {$430.00} credit limit and now without notice or asking me this goes against my privacy and I am good mind to sue. Where is the privacy in this? I ahve not applied for new credit and I call them requesting them to look at my credit so is that not a violation of my privacy rights? The XXXX Statement shows a line of credit in the amount of {$320.00} and it was unbeknownst to me because I set the payment to be made on the date it is due. So I see my privacy being violated.
Consumer complaint received 2023-03-18
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Balance : {$8400.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX  {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX