davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (GA)

Southern Management Company nor XXXX XXXXXXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. Southern Management Systems contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX  for the accuracy of this report. It has been 2 years since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand for this inaccuracy to be removed from my report and to notify Southern Management Systems and XXXX  XXXX of their discrepancies.
Consumer complaint received 2019-03-21
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. (CA)

THE EQUIFAX REFUSES THE REMOVE THE FRADULENT ACCOUNT FROM MY REPORT. ALSO NOT DOING ANY PROPER INVESTIGATION. I AM A UNITED STATES LAW ABOIDING CITIZEN AND I DON WANT TO BELIVE I AM LIVING IN A COUNTRY WHERE NOW RICH POWERFUL COMPANIES CAN DISOBEY THE LAW AND DO WHAT THEY WANT, I AM A TAXPAYER AND ASKING FOR A GOVERNMENT HELP TO DEAL WITH EQUIFAX ( MONSTER ). THERE IS ONE FRADULENT ACCOUNT THAT EQUIFAX IS REPORTING WITHOUT ANY EVIDANCE. 

EQUIFAX CREDIT REPORTING AGENCY
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (FL)

I was denied a loan on XX/XX/XXXX and when I asked for information as to why, I was told that a CRA by the name of XXXX was reporting a Repossession on myself and my wife from XX/XX/XXXX. I have contacted this company many times with no response, but I was relentless with requests for copies of reports, demands for removal of inaccurate information, notices of disputes, threats of civil suit and finally yesterday, I was sent the response below, and advised that : [ quote ] " Hi Please find an attached file containing your report as we have on file under XXXX. Please note that we will contact MBFS to verify the commercial credit reported for : Obligor : Address : XXXX, MS XXXX Phone : Tax ID # : XXXX Once we receive their findings, we will notify you. As noted previously, we can not suppress this data unless directed to do so by the reporting commercial lender, MBFS. Please do not contact us again, we will notify you if any changes are made. 

XXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX '' They are erroneously reporting an occurrence that has passed the reportable time allowed by the FCRA, FDCP, and many other laws. 

They reported to my lender that my wife was a co-borrower on this loan, yet refuse to provide any valid proof of such ( there is none ) I contacted ( XXXX, [ XXXX ] ) MBFS said they " have no such account, nor are they reporting any such account '' yet this item has shown up for many years now.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

This is XXXX XXXX XXXX submitting this CFPB Complaint once again to dispute the information you report on my Credit file. Once again, I was a victim of identity theft and I never made the charges and transactions with you Company. Under the Fair Credit Reporting Act, I am requesting that you remove the information in my Credit File that you are reporting. I believe I never signed a single contract and your willful non compliance with the Federal regulation is a clear violation of a consumer rights. I am requesting to you to please remove the account ; JEFFERSON CAPITAL SYSTEM XXXX Opened XXXX XXXX, 2021 Balance : {$620.00} ; that is appearing on my Credit File.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I worked with my dentist office to get a service and they used CARE CREDIT by Synchrony. 

The terms were not clear, communication missleading and I ended up paying over XXXX dollars in fees and interest over 8 months for an expense of XXXX On top of that after approving my credit 8 months ago and nothing changing, they changed my limit drastically impacting my credit score
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

On XX/XX/XXXX it was stated that I visited a facility for medical and/or health treatment. I believe that this is correct being that I have had Medical coverage with the state of Louisiana since the year of XXXX. I have filed a dispute for this matter. The account was assigned to XXXX XXXX XXXX on XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION (GA)

In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. In reference to Account # : XXXX And follow up to cfpb complaint # XXXX Im aware Sallie Mae stated Please understand that under the Fair Credit Reporting Act, as a data furnisher, we are required to report accurate and complete information to the consumer reporting agencies Im aware that Sallie Mae is making false statements that will now be used against in court. 

I recently received my trimerged credit report on XX/XX/2022 and spotted that Sallie Mae is reporting inaccurate payment history on my credit report. 

On XXXX, Sallie Mae is reporting that i was past due 60 days once and past due 90 days 3 times. How is that true when an account is suppose to become 30,60,90,120, CO in proper reporting standers. 

On XXXX, Sallie Mae is reporting that i have never been late not once on this account. So whats actually thee truth. 

The information on my credit report on inaccurate and not complete. 

I understand that Sallie Mae has violated the FCRA and i have attached viable proof that will be use as an exhibit in federal court. 

I am also aware that Nonpublic personal information is supposed to be EXCLUDED from my credit report. Nonpublic personal information includes transactions between me and the furnisher. Late payments and charge offs are transactions. Sallie Mae has engaged in using unlawful extortionate means which is a violation of 18 usc 894.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Diversified Consultants, Inc. (TX)

XX/XX/2019 Diversified Consult Debt Collection {$500.00} for XXXX I asked the company before making the past due amount if this collection could get removed and deleted from credit and they told me they will also send me a documentation stating it will be deleted and removed but i called back on XX/XX/2019 to confirm the deletion and thats when they told me that the company doesn't do deletion.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I admit that I looked into the offer of a loan from netcredit ; however, once I viewed the repayment terms and APR, I did not execute an e-docu sign. So, I never signed to receive the funds, but the funds were deposited into my account the next day. 

At the time I was in need, so I used the funds. To date ten months later, I have repaid over {$2500.00} on a {$3300.00} loan, but the current balanced owed as of today is {$3200.00}. So of the ten months of payments of $ XXXX  monthly only {$100.00} has gone toward the principal.

Additionally, I am requesting this lender provide verification or validation of the loan by producing an e-signature to show that I endorsed deposit of the proceeds.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

I have attempted several times to reach out to Citi for assistance as I am unemployed due to Covid and I as of XX/XX/2021 had my unemployment end. I have no source of income. I asked Citi if I can have my due date which is today moved to the end of the month and they refused. I asked for smaller payments and they also refused. I have been making on time payments since I opened the was opened. I dont want this to affect my credit but unfortunately due to Citi refusing to work with me during these harsh times because of Covid but they arent willing to help.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion LLC has provided access to my credit record to unauthorized companies. 
XX/XX/XXXX a fraud alert disclosure which expires XX/XX/XXXX. This is an ongoing problem : XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert I can not access my report online but any and everybody else can access my report without permission. I want those credit inquiries off negatively affecting my credit score!
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (PA)

Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only XXXX  which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's XXXX or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
Consumer complaint received 2018-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

Hello I am making a complaint about NAVIENT AND DEPT OF EDU/ NAVIENT. 
I HAVE SENT OUT 4 LETTERS WITH NO RESPONSE ABOUT WHY AND HOW ON EARTH DO I OWE {$93000.00} IN DEBT AND THERES 14 ACCOUNTS ON EACH BUREA WITH THERE NAME REPORTING ON ALL MY 3 BUREAS, THEY ARE DAMAGING MY CREDIT AND CREDIT REPORT AND CANT EVEN RESPOND WHY SOMETHING ISNT RIGHT WITH THIS AGENCY PLEASE HELP AND ACCORDING TO FCRA IF THERE'S NO RESPONSE AND IT HAS BEEN ON 30 TO 45 DAYS ITS MUST BE DELETED UNDER THE STATUE OF LIMITATIONS THANK YOU SO MUCH CFPB FOR HELPING AND YOUR WORK YOU DO IT IS HIGHLY APPRECIATED.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have been making over payments every month and my over payments are constantly being applied incorrectly and against my direct request when I spoke to the financial representative. With every over payment, my auto pay is reallocated in order to maximize interest payments across all of my loans and my over payment is repeatedly miscalculated in the company 's favor. This is the 3rd time that I have asked that my over payments are not counted towards future auto payments and should stand on their own. 

Finally, last month I made an over payment and realized when the money did not go out of my account that the payment never took place, even though I received a confirmation number for the payment. The company did not revise my loans to reflect their mistake and I lost all of those days in-between securing a 2nd payment. 

This is gone on far too long and somebody needs to address these concerns.
Consumer complaint received 2018-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have made 140+ consecutive, on-time payments ( since XX/XX/XXXX ) to  Navient. My problem is two-fold. One, after $ 45,000+ paid toward the 3 % loan I have only cut out {$20000.00} off total bill. On average my principal only accounts for 30 % of money paid. Payment is ~ $ 300 monthly yet only ~ {$100.00} makes its way to principal. I believe Navient has not handle my account correctly and has cost me time and many thousands of dollars. 

Two, my goal for the last 5 years has been to make it to 10 years of payments so I could apply for the Student Loan Forgiveness Program ( I have 13 years in same XXXX XXXX XXXX ) only to find out after 6 months of paperwork and phone calls to XXXX  XXXX XXXX that my loan ( never explained at any point that I would be unable to acquire SLFP ) does not qualify ( I was given FFEL loan ). I have made {$45000.00} in payments, 140+ consecutive, on-time payments and was told I would have to consolidate to XXXX XXXX XXXX, make at least another 10 years of payments, and then reapply. If government was serious about helping underpaid, student loan burdened XXXX  I am the perfect candidate to make this right with. I have another {$80000.00} in daughters Parent Plus loan that I will start paying back in the next couple months. I am unable to pay both loans, and still have XXXX more children to put through college. You assistance is greatly desired and  needed. Thank you in advance.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

I had XXXX American Express credit cards : American Express XXXX {$690.00} annual fee American Express XXXX {$250.00} annual fee American Express XXXX XXXX {$95.00} annual fee American Express XXXX XXXX {$0.00} annual fee American Express XXXX XXXX {$95.00} annual fee American Express XXXX XXXX {$95.00} annual fee I received notice last month that all of my card accounts were cancelled. I have paid significant amounts in annual fees, and they've let me know that none of my annual fee fees ( not even prorated ) can be refunded.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AR)

PLEASE BE ADVISED THAT YOUR COLLUSION WITH XXXX XXXX MUST CEASE WE ARE GOING TO FILE CLASS ACTION LITIGATIONS FOR VIOLATING THE XXXX XXXX XXXX AND FCRA 15 U.S.C. sECTION XXXXG YOU HAVE XXXX DAYS TO FORCE XXXX XXXX TO UNBLOCK OUR CREDIT FILES TO ENABLE COMPLETE ACCESS TO OUR SCORE ETC...
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IA)

XXXX XXXX has been routinely calling my phone number multiple times per day, often calling from a restricted number. I have stated multiple times I do not wish for them to keep calling me, as I have access to my account online. I live paycheck to paycheck, and sometimes the due date comes a couple days after I get paid. However I have always paid my credit card bills with comenity, if by a few days late. It is extremely annoying to have my phone ring constantly, especially when a legitimate business masks their calls, which I think should be against the FTC guidelines, but it's shady as it is!
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I bank with Bank of America and I had a account for about 6 months. So I lost my bank card last week and i didnt notice until I received an email about somebody trying to cash a check into my account for {$40000.00}. Now Im XXXX XXXX XXXX, this is troubling for me for future reference. My account was closed due to such thing.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (GA)

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around the XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now the XX/XX/XXXXand we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I received a Debit Card from Frost Bank on XX/XX/2018 which I did not request. I contacted Frost Bank and they said an account had been opened on XXXX XX/XX/2018. No funds were deposited. I received a separate letter the same day regarding my request not to authorize and pay overdrafts. Regardless, I do not want/need a bank account or card from Frost Bank. A scan of both letters are attached ( XXXX XXXX - Frost Bank Card.pdf ).
Consumer complaint received 2022-07-21
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. (MD)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX, MD XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  I XX/XX/XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.