davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.
Consumer complaint received 2019-10-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (CA)

Hi, I am filing a complaint against Simm Associates. This debt collection company was hired by XXXX XXXX XXXX to claim a debt that was owed as a result of a private loan to attend school. I have communicated with XXXX you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, Simm Associates, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company.

This is the website of Simms Associates and the number they provided. 
https : //www.simmassociates.comXXXX XXXX
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization. 

No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California. 

XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ). 

I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ). 

My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ).

My wife and I returned home at XXXX XXXX ( See Exhibit E ). 

My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (CA)

I purchased a New XXXX XXXX XXXX, Truck in XX/XX/2019. I have a 5 year loan with US Bank. I purchased the vehicle in the state of XXXX, and planned to register the vehicle is XXXX  which is where I resided at the time. However shortly after purchasing the vehicle I decided to move to XXXX. But I didn't register the vehicle in XXXX since I moved to XXXX shortly after. I've attempted to register the vehicle at the XXXX DMV, however I'm not able to because XXXX DMV is asking for a copy of the title from US BANK in order for me to register the vehicle. I've called US BANK for over 3 months asking them to send COPY of title to XXXX DMV so I can register my vehicle. I'm told to have the XXXX   DMV fax over the request for title, and that has been done 4 times already. When I call US BANK to check the status I'm told they put in a request to get the title from XXXX DMV and they will forward it to XXXX DMV however that still has not been done. I called US BANK again on XX/XX/2019 and spoke with an agent and I'm told they don't see anything and they don't know what I'm referring to. I'm told they don't have the title to my vehicle, and they don't know how to fix my situation. Because of this I have been unable to register my vehicle which is increasing my chances on receiving traffic citations. The temporary registration to my vehicle expired XX/XX/2019.
Consumer complaint received 2023-01-18
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. (GA)

XXXXXXXX XXXX XXXX account is currently reporting open : XXXX XXXX XXXX  and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a XXXX BALANCE
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

I signed up for classes at XXXX Connecticut XXXX university XXXX XXXX XXXX in XXXX, but couldnt secure loans so I called to cancel my classes I had signed up for. I had spoken to a student worker who said I was all set and back then I didnt know I had to formally withdraw so I ended up being charged for the classes. 
By XXXX I had eventually disputed the debt and had it removed from my credit report and it was cleared up. 
Supposedly in XXXX XXXX reissued another debt for a slightly different amount than the XXXX debt had been, and to the collection agencies its a debt as of XXXX. 
In XXXX of XXXX it was submitted to collections as a debt accrued on XXXX. 
I believe it was reissued to be within the statute of limitations so I could be continually pursued ALSO after it had been disputed, settled, and closed out in XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After speaking with numerous customer service representatives in the dispute department at Experian, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from Experian and XXXX. For example, I was denied a credit card from XXXXXXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from Experian and XXXX as well. Currently online, my apartment number XXXX is missing in the personal information section on my Experian consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.
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. (HI)

Experian report Number # XXXX XX/XX/2023. My XXXX late payment was remove because I mail in proof and uploaded proof it was never late.
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Loan Assistance Center (MD)

I paid {$190.00} in XXXX and XXXX for student loans to a third party company named United Student Loan Assistance. I also paid {$190.00} in XXXX to this company. They stated that these three payments would get rid of my student loan debt with XXXX. That turned out to be false. My mother had a parent plus loan with them so that I could attend college. I spoke with XXXX and they stated that they never received these payments I made to the third party. XXXX advised me to file a complaint with the consumer finance bureau.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

Today XX/XX/19 @ XXXX CST Im at the ATM on XXXX XXXX XXXX XXXX XXXX MO XXXX to deposit my rent money thats due XX/XX/19 I insert my card, enter my pin select deposit, then insert my cash sum of {$780.00} into the atm. 

The atm shuts down after the window closed where you insert cash. & now there is nothing deposited into my account. The money did not come back to me. IM FURIOUS! 

2 PNC employees where there as a witness but couldnt really assist because the bank was closed and they were leaving work. They instructed me to call the number for PNC & escalate clAim PNC TOLD ME IT WOULD BE 10 days for an investigation and I have NO MONEY TO PAY RENT!!! 

Denominations deposited as follows : 4 XXXX dollar bills 2 XXXX dollar bills 1 XXXX dollar bill 27 XXXX dollar bills
Consumer complaint received 2019-04-06
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. (FL)

identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX cards opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX  opened XX/XX/XXXX {$11000.00}
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

On XX/XX/XXXX I attempted to get my current auto loan refinanced through a company called XXXX XXXX XXXX. After I submitted my request and providing them with all relevant information to pull my credit, I was told that they could not assist me in refinancing because of supposed high risk. I accepted that and moved on hoping later to get financing from another company or bank. 

On XX/XX/XXXX i received an alert from XXXX telling me that my credit has decreased and that an new hard inquiry was placed on my credit report. I looked and saw it was a company hat I have never heard of before. A company called First Investors Financial Services. I never gave this company any of my information neither did I sign any forms from them giving them access to my credit report. I believe that my information was sold to this company by XXXX XXXX and my rights violated as a result.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (FL)

The months of XXXX, XXXX and XXXX I have made them at the end of each month and they are within the time limit established so as not to be reported to the credit companies as late payments. For example, I paid the month of XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX I paid it on the XXXX and XXXX I paid it on the XXXX. I understand my payment date is the XXXX of each month and I am late but I do not exceed the month and the Company charges me {$35.00} for not paying on the XXXX of each month.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX and XX/XX/XXXX payments for {$420.00} each cleared my bank account but never posted to my loan. I contacted Santander several times to assist me with this issue. I submitted copies of my bank statement at least 3 times but was told due to me blacking out other transactions that had nothing to do with this loan they were unable to use that document. I submitted once again an untouched statement for proof of payment. They state that they ran a search and they are unable to locate the payments referenced and there is nothing they can do. My credit report is hindered by this account and i am needing this to be updated and corrected.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (GA)

I have a secured credit card with First Progress ( partner with Synovus ). Prior to this month, I had always used bill pay through my bank XXXX XXXX, because when I opened the account they had no way to pay it on their website. I went in to pay my bill ( which is paid in full every month ) on XX/XX/XXXX and saw that it could now be paid on their website which I did. On XX/XX/XXXX the payment of {$330.00} cleared my checking account. ( XX/XX/XXXX FIRST PROGRESS PAYMENT XXXX XXXX XXXX XXXX {$330.00} ). I went out of town on XX/XX/XXXX and attempted to use my card on XX/XX/XXXX since the payment had cleared my bank and showed a payment on my credit card statement. When I opened the account I had deposited {$350.00} to use against the card attempting to establish credit history. When I attempted to use my card it was declined, I went in that evening and saw my balance was " XXXX '' and only a small amount was available ( the diff in {$350.00} and what I had paid off {$330.00} ). I called and was told that when you make a payment on their site they put a 10 day hold on the money even though it had cleared my bank and was sitting in their account for 3 days, They said it would not be available until XX/XX/XXXX. I was never told this practice by them, as when I opened it payment was not available on their website, He said it was in the paperwork- not in the paperwork I got when I opened the account because it wasn't an option. He said if I had used bill pay it would be available. The money came out of my account on XX/XX/XXXX and shows a credit on my account as of XX/XX/XXXX as being paid. I would like to know how legal this is and why they will not release it prior to XX/XX/XXXX. He was very rude and was supposedly a " supervisor ''. I contacted Synovus and she put me thru to this person, I also sent Synovus a message on their XXXX page and they replied stating they would contact me shortly, but 6 hours later I have no call. I do plan to close this account shortly and I do expect my entire {$350.00} be returned to me expeditiously, not 10-14 days later, I hope that you can address this problem and see that no other people go through this with these fly by night companies holding peoples ' money " hostage ''. That is MY money and they are sitting there collecting interest on it and refuse to let me use it, Thank you
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. (OH)

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 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-05-09
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: AES/PHEAA (NY)

Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.
Consumer complaint received 2023-03-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, I used my PayPal account to buy tickets to a fundraiser event. The person listed as XXXX XXXX told me to send the money {$62.00} as " friends and family '' to them directly for the tickets and then they would email me the tickets. I sent the money and the person told me they never received it. I called PayPal that day and they said the transaction was good. The person scammed me and never gave me the tickets. I called the PayPal representative back and they said to block the transaction through my bank account. I paid an additional {$30.00} to block the payment. Then PayPal had a negative balance on my account saying I owed them the money. I called and spoke to a representative again and said I was scammed. They said they couldn't refund the money sent because I sent it under " friends and family '' and that I was responsible to pay the {$62.00}, even though I was advised prior to blocking the payment. I am very upset the way things were originally advised for me to do and I would like some help in recovering my {$62.00}, even though I am out now {$92.00} for the additional {$30.00} stop payment fee.