davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (IN)

Mariner Finance LLC filed suit against me on XX/XX/XXXX for a collection debt I owed. 

Collection debt owed and requested in lawsuit was XXXX. 

Default judgment was entered XX/XX/XXXX. 

Garnishment motion was filed at 25 % of my disposable income. This order was granted XX/XX/XXXX with the awarded amount equaling XXXX XXXX garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Last garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Total wages garnished by Mariner Finance LLC for calendar year XXXX as documented on employer paystub equals XXXX. 

Outstanding fees still being reported by Mariner Finance LLC on all 3 of my credit reports in the amount of XXXX. 

XXXX paid by me, directly, to Mariner Finance LLC on XX/XX/XXXX. 

All 3 credit report updated with information received by Mariner Finance LLC on XX/XX/XXXX stating Mariner Finance has reported positive activity : Account Paid Total paid to Mariner Finance LLC equals XXXX. 

MOTION FOR PROCEEDINGS SUPPLEMENTAL AND ISSUANCE OF INTERROGATORIES Filed by Mariner Finance LLC on XX/XX/XXXX seeking payment amount in the form of garnished wages by employer in the amount of XXXX. 

NOTICE OF GARNISHMENT SUMMONS - ORDER TO ANSWER INTERROGATORIES, NOTICE OF HEARING AND INTERROGATORIES filed by by Mariner Finance LLC on XX/XX/XXXX seeking additional unknown/undisclosed origination amount of XXXX. 

ORDER TO APPEAR TELEPHONICALLY TO INDIVIDUAL JUDGMENT DEFENDANT Filed by Mariner Finance LLC filed XX/XX/XXXX. 



As you can see by the time line stated above, this case was decided in XXXX of XXXX and wages were garnished as dictated by court ordered default judgement. Garnished wages in the amount of XXXX were paid to Mariner Finance LLC. Balance listed on all 3 credit reports in the amount of XXXX was paid by personal debit card directly to Mariner Finance LLC before additional lawsuit was filed. Mariner Finance LLC reported to all 3 credit bureaus that my originally opened, and only account opened with Mariner Finance LLC was paid in full on XX/XX/XXXX. Mariner finance LLCs legal team is still, as of XX/XX/XXXX, sending harassing correspondence by mail requesting additional unsubstantiated funds and remedies that have already been paid decided and reported as paid in full. Company is suspected of retaliating against disputed items on credit report that were filed by me on XX/XX/XXXX.
Consumer complaint received 2021-09-14
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)

I sent a dispute letter to the company on XX/XX/21. As of today I have not received a response about my disputes. I also sent demand to comply letters on XX/XX/21 to this company and still have not heard back from them.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IN)

On XXXX someone hacked into my Netspend account and transferred {$1300.00} of my money to another Netspend account. I saw the transaction and immediately called to file a dispute on XX/XX/21. The agent I spoke with told me that someone tried to make a transfer and it was denied, then someone went into my account and changed my phone number and email to theirs so they would get the alerts instead of me. Then they called and acted like me and supposedly gave my correct security question and had most of my money transferred to their account through an agent. The agent I spoke with changed my security question and said she removed this person information and put mine back on. When I went back onto my account a half hour after our phone call this persons phone number was still listed on my account to get text message updates. I have since removed that number but only after I saved everything so I could have proof. I called back the next day and spoke to another agent to follow up and he stated I didnt email the dispute like I was supposed to. The first agent never told me I was to email anything. I emailed a dispute and still waiting on my money back and a final decision.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

To whom it may concern. 
I noticed a collection on my account and disputed it thinking nothing much of it. It was gone but now I am getting collection like every week on all three credit bureaus. I never had XX/XX/XXXXor XX/XX/XXXX. I am tired of this. They say I oweXX/XX/XXXXXXXX. With all collection total probably like XXXX.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2020 I authorized a charge to my Barclays Mastercard by Frontier Airlines in the amount of {$880.00} for two round trip air flight tickets from XXXX to XXXX XXXX to attend the XXXX XXXX. Our departing flight was scheduled for XX/XX/2020 and our return flight was scheduled for XX/XX/2020. Subsequent to the booking the XXXX XXXX was cancelled due to the Covid 19 virus, so I cancelled our flight reservations and attempted to obtain a refund for our flights with Frontier. I was unable to reach Frontier via phone as their lines were understandably constantly busy, and they offered via email only a credit that had to be used in a very limited timeframe, which we would be unable to use. On XX/XX/2020 I sent via certified mail a dispute letter to Barclays, requesting a reversal of the charge for {$880.00}. Approximately XX/XX/2020, I received a letter from Barclays, dated XX/XX/2020, beyond the 30 days allotted for their acknowledgement letter, stating they were looking into it with Frontier. On XX/XX/2020, I received a further letter from Barclays stating that the reversal of the charge was declined. No supporting documentation was provided by Barclays. I am requesting a reversal of this charge of {$880.00} due to Barclays failure to provide responses within the timeframe required, and for not providing any supporting documentation.
Consumer complaint received 2016-05-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a response to previous complaints from XXXX XXXX of Bank of America. 
As I recounted the 15 months of back and forth paperwork only to deny a loan modification at the first step, she listened and appeared to agree that this was not right and she understood my frustration. 

Unfortunately, XXXX 's only solution is to refer me back to the same lower chain of command who requested the same useless documentation, some of which was not required during the first 15 months. 

I still have not received compensation for Bank of America 's failure to properly handle a loan modification in a timely manner, and thus, cost me thousands of dollars in increased loan payments. I tried to get an Email for XXXX to send additional documentation and evidence from my mortgage company to justify a hardship, but was unsuccessful in achieving this. 

Further, I received a phone message from XXXX XXXX on XXXX XXXX, a message that stated she was " required '' to call me. 

Below is bullets from previous complaints which sums up how I 've been treated by this bank. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process.
Consumer complaint received 2017-06-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Management Services, LP (FL)

XXXX XXXX XXXX has been reporting loans past the statute of limitation to my credit bureaus. They had sold some loans XXXX and XXXX to Capital management services LP that has been harassing me and contacting me for repayment. XXXX XXXX is no longer reporting those loans because of their erroneous error they had to remove them. Capital management has not removed said loans and continues to contact me for repayment of erroneous loans. <P/>XXXX XXXX also has the first date of delinquency for loans XXXX and XXXX listed as XX/XX/XXXX which they said would remain on my credit for a period up to 7.5 years. florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS XXXX AND XXXX AND PAST THE DATE OF LOAN XXXX THEY SOLD TO XXXX XXXX XX/XX/XXXX THAT THEY CHARGED OFF IN XX/XX/XXXX.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Delinquent account — 
Company: Synovus Bank (FL)

I applied for a fully secured credit card through First Progress on the month of XXXX of 2015 to improve my credit scores. I 'm trying to apply for a mortgage loan in the year to come so having new credit is important to me. My boyfriend completed the credit card application for me because he has had a credit card with them for the past year and it helped his credit improve. Unfortunately I was un-aware that there was an annual fee that was due the first month of being approved for this type of credit card, besides the fact I never received any notification ( written or verbal ) indicating the annual fee was due. After a month or so of not receiving any correspondence I called First Progress and became aware of the late charge and the delinquent annual fee. At that moment I took care of the charges and paid the account completely, I asked the representative if I was going to receive a 30 day late on my credit report and the rep said no. I asked for a confirmation number and a full name, but she said that they do n't offer that. After a month or so from this conversation I pulled a copy of my credit report and I saw that First Progress had reported a 60 day late on my credit report, I called them right away and tried to resolve this issue and all they said was to send them a written dispute and they would look into this. Since that time I have spoken to several representatives and I have not been able to get this 60 day late on my report corrected or removed. I personally feel that this was not my fault and if I had known of these charges I would have taken care of them right away, like I did when I first became aware. I need your help in resolving this matter.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Upon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects. 
It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to these statutory obligations not only erodes trust in the financial system but also exposes XXXX, XXXX. to significant legal and reputational repercussions. 

Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. XXXX, XXXX. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. 

I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose XXXX, XXXX. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. 

I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. 

Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX of 2022, I discovered that my now ex-husband, had fraudulently opened a bank account and took a {$10000.00} personal loan out in my name without my consent. I have filed fraud with the bank and also with XXXX XXXX and it is still showing in my name that I owe this money. It is creating an issue with my credit report as it says I am the account holder, but did not sign for this account or open it. I did not have knowledge about this loan until XXXX of this year.
Consumer complaint received 2021-09-14
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. (NV)

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the XXXX major bureaus ; Transunion, XXXX, and XXXX, and only 1 from XXXX XXXX Bank belongs to me. Transunion, XXXX, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to Transunion and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX XXXX XX/XX/XXXX reporting to Transunion as well as some inquiry from XXXX XXXX XXXX XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (OK)

Ability Recovery had a collection agency on my XXXX credit report NOW they put it on my XXXX   REPORT as of XX/XX/XXXX after they said they would remove from all 3 bureaus, original company XXXX XXXXXXXX XXXX XXXX  owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by advanced recovery at all, and statue of limitations have passed for a XXXX account, I WILL BE SEEKING LEGAL ACTION ON THIS COMPANY ASAP they re aged a XXXX account to appear XXXX, this is illegal. I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to obtain credit. Thank you
Consumer complaint received 2022-09-14
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (IN)

Alerts keep popping up on my equifax XXXX and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized XXXX inquiries but to know available..
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

DCI s ent an alleged debt notice saying I owed  XXXX   XXXX   XXXX  from my last bill. I sent proof of payment in full of my final bill and a refund check from  XXXX   XXXX   XXXX  to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.