davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (SC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, account # XXXX have 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 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 items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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. (GA)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX PARK XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$58.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

XX/XX/XXXX, I got a car financed through Santander Consumer USA bank for {$12000.00}, now it is XX/XX/XXXX without missing a payment. My loan is still {$10000.00}. It only went down that little because I started paying more. The XXXX loan was 72 months and the interest was already inside of the payment {$320.00} and then they added a simple interest also. I discussed this with several Representatives nothing never changed. I am not reaching out to you for help. Because if I haven't paid this loan down by now, it will never go away. 
Thanks
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

After placing a prior complaint on XX/XX/2020 regarding this matter, I received a call from the odsbudman at the corporate office of SPServicing on my home phone. I spoke with XXXX and I explained that I needed to extend the original 90 day forebearance to an additional 90 days as stated in the Cares Act. XXXX explained that I needed to take a survey to see if Im qualified. XXXX confirmed that I will need financial records on hand to qualifiy. XXXX explained that I dont fall under the Cares Act as my loan is not federally backed. I asked XXXX how did that change as all my original loan documents says the loan is federally backed. XXXX would not answer and just kept asking me to complete the survey. My loan has been trasferred several times. Since Select Portfolio Servicing is the gate keeper to the mortgage company, I had no idea who is the owner of my loan. The last correspondence I received was from XXXX XXXX  just after signing an agreement to recast the loan and that SPServicing would be the service provider. All orignial terms of the original loan were still in place. XXXX would not provide me the information over the phone, XXXX said he would mail it to me. I received the document. The Loan holder is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Long an behold XXXX XXXX is the actual holder. The document also states that the account ownership status may change from time to time. Will I be notified or is this a behind the scenes event? The XXXX XXXX website says they are offering 180 days of forebearance. How did the federally backed loan change to a non federally back loan. I feel like Im being taken advantage of and being strong armed. SPServicing is not forth coming with information in a timely fashion nor was I ever notified that my loan was transferred from XXXX to XXXX XXXX. I am receiving emails from SPServicing claiming they have attempted to call me on XX/XX/2020. My last Call from SPServicing was on XX/XX/2020 ( XXXX ). No call, message or call ID left. Thank you for your time in this urgent matter.
Consumer complaint received 2023-04-06
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-09
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. (MI)

There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The credit bureau is reporting an outdated closed account with XXXX XXXX XXXX. This is account is older than 7 seven years. I have disputed this outdated closed account with the credit bureau several times.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I made a purchase during a promotion period in XX/XX/2019 using my credit card. The promotion was no interest paid for 12 mths. My statement said in XXXX to not be charged interest when the promotion ends I would need to pay off of the promotion balance before the promotion ends. In XXXX I made two payments equal {$930.00} which was more than promotion balance. The bill did not specify where I could allocate my payments. I assumed based on the amount I need to pay the large payment I made would go towards paying the promotion balance. I continued making my regular payment and sometimes more than the minimum balance since then. 
I noted today that my card amount due increased by over {$200.00}. This is because an interest payment of {$200.00} was applied. When I called them I was told that the XXXX payments where not applied to the promotion and I should have called customer service earlier and let them know to change where these payment were allocated. 
I was told the only way to avoid paying the {$200.00} interest is to pay off the {$480.00} balance by XX/XX/XXXX and they can't reallocated the {$930.00} payment because their system made the best judgement of applying my payment as a regular payment instead of the promotion,
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (IL)

Received multiple calls and letters from XXXX XXXX XXXX naming the creditor as Pendrick Capital Partners LLC. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by XXXX XXXX XXXX once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX XXXX cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.
Consumer complaint received 2018-07-09
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. (PA)

Ive faxed and mailed several letters to XXXX, XXXX  and Experian stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ME)

On XX/XX/XXXX, I discovered I was eligible for a refund of all payments made to my federal student loans between XX/XX/XXXX and the present. I called Aidvantage that day, requesting a refund of {$10000.00} ( the total of the three payments I had made during the forbearance period ). I was told my request would be processed and I would receive a direct deposit within 4-6 weeks. After not seeing an update, I called XXXX to check on the status of my refund, where I was told my refund request had been approved on XX/XX/XXXX and again would be processed in 4-6 weeks. On XX/XX/XXXX, 5 weeks after my request was approved, I called to check on the status as I had seen no updates. The customer service rep told me my request was put in on XX/XX/XXXX and would take 8 weeks to be deposited. Aidvantage has straight up lied to me about the dates in which my refund request was processed and the timeline for how long it would take, and I have heard of others who have received their refund already despite requesting much later than me.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Lets start off with account is a court ordered discharged chapter XXXX account that was officially discharged in 2017. Company ( XXXX XXXX ) was officially notified by the United States Bankruptcy Court of the discharge injunction. 

XXXX XXXX has intentionally ignored and has no regard for an legal court order injunction. XXXX XXXX has no regards for consumer rights and has continued illegally and actively continued reporting the discharged account under many different status, such as account status closed, account type, open account, In collections/charge off, Account status derogatory, with a past due amount of {$1200.00} then states, account open again ( just on XXXX ) XXXX XXXX is lying , noting " verified as accurate '' claiming THEY investigated the information I disputed. Which by the way, my multiple disputes were actually NOT properly investigated at all. Maybe they couldnt access accurate account information because the account is SUPPOSED to be protected by the chapter XXXX bankruptcy DISCHARGE injunction. And this is why LEGALLY NO BANKRUPTCY accounts should be allowed to remain on ANY credit report! TO PREVENT INTENTIONAL FRAUDULENT UNFAIR CREDIT REPORTING! By allowing discharged accounts to remain on a consumers credit report creates a lot of problems and does not give the consumer their rights under FCRA and bankruptcy laws, a complete full clean slate that they are legally entitled to. 
Allowing discharged accounts to remain on a consumers credit report allows these company to fraudulently alter account information ( as you will see in my evidence ) so that it is different from the LEGAL court documents. And all of you agencies are FULLY aware of whats going on. But VERY little is done about it. Its very obvious your goals are to keep consumer ratings, scores and profiles in poor condition to solely benefit predatory lending/predatory practice. If your company stood for whats fair and encouraged whats right, these companies, reporting agencies and unfair lending would know they would be fined and sued and put out of business by doing illegal business.

All it takes is one person to stand up for whats right and properly handle these companies, the complaints and vultures accordingly. Hold them responsible for intentionally causing major major damage to a consumers report. Fine them and make them pay all the damages caused! 
This report has been forwarded to the United States Bankruptcy Courts. XXXX XXXX is in contempt of an court order discharge injunction and it will absolutely not go unnoticed. The courts need to know the entire ordeal after my bankruptcy with this company and how many times I disputed, how many times XXXX XXXX fraudulently altered details and how so very intentional all of their actions were.
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.
Consumer complaint received 2020-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have called XXXX XXXX  and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Equifax keeps saying it was verified I have asked Equifax to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX XXXX I never took out a loan for {$5000.00} from XXXX XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian -XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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.
Consumer complaint received 2021-08-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc. (TX)

When XXXX  XXXX  claimed to have taken over my loan from XXXX, I sent two certified letters requesting debt validation. It wasn't until I filed a CFPB claim that they responded with the requested information. During the debt verification request period, XXXX XXXX  continued calling and texting me on a regular basis to collect on the unverified loan. I explained to them what was going on and unless they were calling me with an update of the loan verification paperwork, I didn't want to speak with them. I asked them to stop calling me. After 3 or 4 months of not making payments and not having the loan verified, they reported a missed payment on my credit report. According to the protections under the FCRA, XXXX XXXX was in violation of the FCRA by contacting me to collect payment during the loan verification process and incorrectly reported missed payments on my credit report. Once the loans were verified, I paid all past due amounts and my loan is current as of XX/XX/2021 & has been since the loan was verified. I requested that XXXX XXXX correct the incorrect information on my credit report and they sent a letter saying that they do not offer courtesy credit reporting retractions & that they are not required to investigate certain disputes.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I asked Experian to look into my account for XXXX. The account is still on my credit even as it has been more than seven years. The account was opened in 2011 and it is still on my account. Can you please help them to see that this account is not suppose to be on my account and even as I live in Georgia.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. 











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Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. ()

today i try to send a wire transfer for the amount of XXXX to my sister in law XXXX XXXX XXXX and they cancel the transaction and lock my online banking i call to try to resolve it but they were disrespectful with me
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (AZ)

I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an Equifax score of XXXX, which I have never had and I kindly said you must have a mistake. I called Equifax 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by Equifax employee my score was not 400+ that there is no way they would show that if they were simply using the information provided by Equifax . The store assured me they dont use any scorring models of their own, simply Equifax information. Equifax told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost 600 and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.