davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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)

After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Consumer complaint received 2018-03-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. 

Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.
Consumer complaint received 2016-04-06
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelnet, Inc. (UT)

I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER
Consumer complaint received 2022-09-06
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. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3900.00} XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2016-08-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To whom it may concern, The reason why im asking for your help is due to our harsdhip that lasted over 12 months, as of last year my husband was in the hospital for over 12 months due to a XXXX. Within that time i was making our mortgage payments even though my husband was not working. 

I called my mortgage company seeking help since i knew our situation will get worst, my mortgage company told me that they will not help me because i was current with the mortgage payments. 

So i tried numerous times trying to get a manager since every single person that i spoke to from the mortgage company will refuse to transfer my call to manager, i had no help from them at all. 

After a few months my situation got worst, my husband was still at the hospital, i ran out of money to keep up with the mortgage payment and my mortgage company never answer my request for help to modify my loan. 

Now as of this year that finally my husband is out of the hospital and back to work, i re submitted my loan modification application again. I was assigned a person by the name of XXXX XXXX p. XXXX ext XXXX who has been working with me sincec XXXX of this year. 

It is now 4 months going back and forth with XXXX asking for the same documents over and over again. Now i just found out that even though i been under review for a loan modification they filed a Notice of Trustee Sale for XXXX/XXXX/2016. i requested for her manager and she told me that the manager was out of the office on vacation and will not be back until XXXX. 

It seems like my mortgage company all they are trying to do is delay my application to take away my home, they lie about the status of my loan modification and now they refuse to help me with the loan modification review.
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?
Consumer complaint received 2023-03-30
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. (LA)

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to Experian to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to Experian, XXXX and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked Experian, XXXX and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, Experian and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( XXXX  ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( XXXX  ) from the appropriate Federal banking agency.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE
Consumer complaint received 2022-09-06
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$8500.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-30
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: FIFTH THIRD FINANCIAL CORPORATION (MD)

I used a benefit on my debit card for XXXX XXXX or Satisfaction Guarantee. XXXX XXXX XXXX XXXX instructed me to send in the " salvage item '' in order to complete my claim. I sent them the salvage ( watch straps ) on XX/XX/2023. I also sent XXXX proof of delivery. Since then, XXXX has not acknowledged receipt of the watch straps and continuously sends me reminders to send it in. I have sent them proof of delivery to the address they specified numerous times. I also called their customer support and provided all requested documentation and was assured the issue would be escalated and resolved. That has not happened.
Consumer complaint received 2022-02-13
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)

After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$8500.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Amscot Corporation (FL)

I was forced to change from an Amscott card that I used for years without a problem to an XXXX Card which was trying to " be much more than a pre-paid card '' and for my first big purchase I put a large amount to my XXXX Card for a Valentines Day dinner last night I found out my card had been compromised that day and my dinner and my card where denied. 
This caused a huge embarrassment and loss of potential employment when my fellow diners saw that my card was declined. 
I called the number when I got home and found that a unauthorized purchase had been made that very same day. XX/XX/2022 which put my card below the very expensive dinner I had planed to pay for.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (KY)

CAPITAL XXXX TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH XXXX .... ALSO XXXX XXXX COLLECTION FROM XXXX HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM XXXX IN THE PAST 15 YEARS ON XXXX WITH HELP FROM XXXX ...
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

I would like the fraud alerts removed from all XXXX credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (CA)

Avant customer service contact me at the end of XX/XX/2024 and told me that there were some fraudulent attempts to use my card in XXXX. She said that they closed the card and would be sending me another one. At the time she ordered me a new card I updated my address with Avant. On XX/XX/XXXX I had not received a new card from Avant yet so I sent them an email to their customer service email address with the account reference number following up on the card status. I didn't hear anything. When I logged back in on the XXXX of XXXX I noticed that they had sent a payment to my account for the full amount of the balance which I had not authorized. They had also set up automatic payments for the full amount moving forward. Something I had never done and not authorized. Today when I logged in to follow up on the missing card. I was told that I owed a {$7.00} balance and my upcoming bill. I made a {$40.00} payment which was anything outstanding and the minimum payment due by XX/XX/XXXX the statement day. It took 30 mins for the customer service to update my address. Then she refused to send me a new card because she said that they needed a bill or a document with my new address on it. I refused to do this. # 1 because I updated my address with the person who claimed there was fraud on my card in XXXX. XXXX. I followed up with an email from my email address that they have on file and the account reference number the account produces inside the account on XX/XX/XXXX inquiring about my card and I included my new address a second time. It's already bizarre that customer can't update their addresses through the web portal. It's more frustrating that I followed their instructions both calling in XXXX and updating my address once they got the fraud alert and emailing them on XX/XX/2024 with no response. It's been almost 2 months and I don't have a new card and I have mail forwarding. I haven't received anything from them and I just moved 1 street over.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST (CA)

I received a letter dated XX/XX/2022 stating that my Bank of the West checking account, account number # XXXX would be closed effective Friday, XX/XX/2022 and that the funds in my checking account would be in the form of a cashier 's check and mailed by First-Class U.S. Mail . Thank you.
Consumer complaint received 2022-02-13
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Account : XXXX I am writing in today because i noticed some accounts are not accurate with my other credit/consumer reports. I noticed you're reporting a late payment for XX/XX/2021 and XX/XX/2021 yet on both my XXXX and Equifax are reporting that i paid on time. This is inaccurate reporting and therefore i am requesting this account status payment history to be changed to PAANL ( paid as agreed, never late ).
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MMG Law Group, PLLC (MS)

I received a letter in the mail about a Cash Advance/Payday loan debt collection. The receivable amount was XXXX XXXX However, I have never taken out a cash advance loan. The Law firm is XXXX XXXX XXXX XXXX XXXX. When I looked them up online, the only evidence of their address is from their own website and listing, XXXX could not verify. When I went on their website, it was very crude and basic and had very little information. Several links that led to the same page. I have not contacted them yet as I do not want to give them any kind of personal information in the case that this is a likely scam. I looked into the lawyer, XXXX XXXX XXXX and could not find evidence he was licensed in the state that this letter and website claimed. In fact, the true XXXX XXXX XXXX is half way across the country from where the letter claims with a criminal defense firm. I highly doubt he has a secondary firm half way across the country specializing in a different field.