davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (FL)

Can't reach National AutoFince Company to release title ... 15 year 's ago, XXXX, XXXX, XXXX now XXXX. I tried to contact them regarding vehicle purchased through them from XXXX XXXX XXXX in XXXX, Fl. Purchased at there dealership. The lien is wrong with me being co- signer it's backwards, my ex spouse was cosigner. This was fully paid off. They said I owed interest of XXXX???? This company is no longer in business and I need his name off lien.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (SC)

The XXXX XXXX, Apartment company, has submitted a debt collection for a balance which was not involving my signature and consent. The balance was stated as {$1500.00} as a settlement. 

I have never looked around any of their apartments at all, nor have I lived/stayed for 1 minute at one of the apartments. I have never been assigned a room for the apartment and have not even received a key for any apartment, so I also have not seen the apartment number. 

The debt has been opened by the apartment company without my consent since XX/XX/XXXX and then they transferred the debt to the collection agency in XX/XX/XXXX, right after its name changed to The XXXX XXXX. This debt has been posted on my credit record since then.
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Back on XX/XX/22 I received a grant from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/22 that agency sent 1 of 4 payments of {$1100.00} to NewRez Mortgage company. Until Today XX/XX/22 the mortgage company can't locate the payment. The agency confirmed that they have wired the payment on XX/XX/22 and it was not returned. I contacted both the agency and the mortgage company many times to find out what happened and until today the issue remains unresolved. If the agency has proof of payment I demand that the mortgage company to apply the payment to my account.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

I am trying to buy a house and just checked my EXPERIAN account and found all these fraudulent account XXXX on my report that I have no knowledge of, XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I set up a payment plan with the company spoke to someone on the phone 3 weeks ago. They lied to me when and said they money owed could be split into four payments. I said on the phone I do dont want anything auto withdrawn then this Friday the XXXX they withdrew the entire amount with no permission to do so and refuse to reverse the charge leaving me with no money. Saying I agreed to auto withdrawals on an agreement but was told the agreement was the exact opposite.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Auto Finance Co (GA)

NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT DUE TO SAFECO UNLAWFULLYSELLING MY ACCOUNT TO A 3RD PARTY DEBT COLLCTOR WHOM I HAVE NEVER HAD AN OBLIGATION OR CONTRACTUAL AGREEEMENT WITH AND THE COMPANY CREDIT COLEECTION SERVE HAS REPORTED ON MY CONSUMER REPORT. THIS VIOLATES MY PRIVACY RIGHTS ACCORDING TO FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING, THIS ALLEGED DEBT WAS ALSO DEEMED UNCOLLECTABLE MORE THAN 120 DAYS AND IS ENTITLED TO DISCHARGE BY ISSUING OF A 1099-C. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR AS WELL.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called Comenity Bank. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard contacted me in XX/XX/XXXX and asked if the charges on my account were authorized by me and I said no they were n't. They issued me a new cards and said that they would credit my account the {$210.00} that was unauthorized. I have contacted them on five separate occasions and they still have not credited back my credit card nor have they sent me any correspondence
Consumer complaint received 2022-07-06
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX 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
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX IXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX 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
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I graduated from XXXX  school in XXXX with just over {$200000.00} in federal student loans, all FFELP. When the pandemic began and the Administration paused interest and payments for most federal loans, I contacted my loan servicer at the time -- Navient -- to see if my loans qualified. At the time, my husband and I were struggling to cover the costs of child care because our daughter 's school was closed, requiring us to pay someone to watch her and help her with remote learning. We both work XXXX-XXXX. Navient told me that the type of loans I have did not qualify. They did not tell me that I could consolidate my loans and that this would allow me to qualify for pandemic relief. I had no idea that this was an option. They instead directed me to a forbearance, which I ultimately had to do in XX/XX/XXXX, because I simply could not afford my student loan payments along with the ongoing increased child care expenses of the pandemic. In Fall of XXXX, I was able to attend a seminar regarding the Public Service Loan Forgiveness program, in which I learned that I was required to consolidate my federal loans in order to qualify for PSLF. I did consolidate, and was then surprised when my consolidated loan then qualified for XXXX interest and XXXX payments due to the pandemic. Navient should have informed me about this back in XXXX. The interest that I paid to Navient during the time when I could have had XXXX interest should be reimbursed to me. This was deceptive and a violation of the law.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (KS)

Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or  any mail to let me know this. The person I spoke to just gave excuses.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I
Consumer complaint received 2023-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (TX)

I requested to opt out of my escrow account and the request was not approved. My initial mortgage company ( XXXX Mortgage ) gave me the option of paying my own hazard insurance and county taxes because of the amount of my down payment. It was my understanding that my current mortgage company would honor the same provision of the original loan. Since M & T Bank took over my mortgage I over payed my mortgage by over {$7000.00} the first year ( XXXX ), and my mortgage payments for XXXX went from {$740.00} to {$2200.00}. This is because apparently they are unable do determine the amount of home owners insurance and property tax due at the end of the year. I am willing and able to make my property tax and home owners insurance payment directly to my insurance company and county tax office. Thank you in advance for your kind consideration in this matter. 

XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

US Bank closed my account last year in XXXX with XXXX dollars they did not tell me a reason and my branch told me to wait for some days to receive my funds but until I have not received. I tried to contact the branch I have been told that they have no answer. I need your help please
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (TN)

The caller ID listed : XXXX XXXX XXXX  ; as the caller from XXXX, TN XXXX. This is a local number and area code. The call was automated and left a message that there is no problem with my Discover credit card account. I do not have a discover card. They want to activate additional features on the card to step up my using the account ; which I don't have.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (CA)

When my husband passed away in 2018 I moved out of my residence of 16 years. I was with PG for over 18 years.I got approved for Assistant with XXXX and they were going to pay my entire XXXX to XXXX. I worked on that approval for over a month to provide them with the death certificate of my husband and my hardship letter. XXXX was ready to pledge the entire amount to XXXX XXXX XXXX to close my account with zero balance. XXXX XXXX XXXX processed a payment from an unknown credit card and unknown individual that I personally did not authorize to send a payment to my account. I called XXXX  Over and over and they refused to give me the name of the person that made the payment. see XXXX is liable for damaging my credit report denying the {$2000.00} that I was receiving from XXXX and taking a payment from an unknown individual that was not authorized user neither was this individual on my account and as of today they still would not let me know who paid the {$1500.00}. that pay that sure did not help me but it created a balance on my account now it is destroying my credit report. just to clarify I am a XXXX XXXX age XXXX with no home at this moment. The collection company has taken this bill from XXXX XXXX XXXX and is trying to collect during the pandemic knowing that this account is fraudulent because XXXX took a payment from an unknown individual. It is almost illegal for this collection company to be collecting a XXXX XXXX XXXX account during the pandemic.
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mid-Michigan Collection Bureau (MI)

I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LMS Services, Inc. (WA)

I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent XXXX letter requesting documentations such as, XXXX. The original account number, XXXX. The original creditor, XXXX. The date the account was opened, XXXX. The date of my last payment, if any, XXXX. The amount of the original debt XXXX. An itemize statement documenting the debt amount you are attempting to collect, XXXX the purchase agreement. I requested those because another company is attempting to collect the same debt. They have failed to provide me with the purchase agreement each time I request, instead they are sending me statements. This is not ethical business practices, and they should be held accountable.
Consumer complaint received 2021-08-24
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. (PA)

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$200.00} XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$290.00}
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been removed.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NE)

I opened a Southwest Chase Rapid Rewards card in early XXXX XXXX. During this time period I have emails with overlapping promotions. The first being what I thought I was receiving- a companion pass and XXXX Rapid Reward Points if you spend {$4000.00} in a 3 month period. What I received was XXXX points for spending {$1000.00} in a 3 month period. 

I have contacted chase multiple times regarding this issue with no resolution. I keep getting told I will hear back in 10-15 business days with no one I can physically talk to. After a little over a month of this back and forth I called one last time. I explained that I have a flight to take in one week and need a resolution. The response was I will hear back in 14 days.

I filled a complaint with Chase today and inquired when I would get a response and was told that legally they had to accept complaints but did not have to follow up them.

Frankly, Im shocked Southwest would want Chase representing them. Southwest is known for its customer service and Chase hasnt even attempted to solve the issue.
Consumer complaint received 2022-03-22
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

Santander Consumer USA has been reporting my account to the credit bureaus, as a " charge off '', when it was not a " charge off ''. This account was " Paid in Full ''. This was for a car loan and Santander sent me the release of lien. If the account was a charge off, they would not have sent me the release of lien. I have disputed this with the credit bureaus numerous times since 2015. I have even sent Santander letters to correct this and they did not respond. I have also had a lawyer send them a letter and they did not respond ( attached  ).    Santander Consumer USA   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX