davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

This is the second time that I've been locked out of my account because of Chase 's use of " public data '' to verify me. 

They don't use the credit reporting companies. They won't divulge the data source that they use to verify me on the phone.

They have a voice verification system that they refuse to use for authentication which I think arbitrarily cuts off access to my account when questions they're asking don't appear to have any relation to my activities.

With the dozens of security breaches that we've all been caught up in, it seems unlikely that they're would not be errors in this " public data '' source keeps on me.

In a financial world where corporations and merchandisers sell credit cards, these credit cards are actually being managed by another unnamed firm. So when I get asked to verify the existence of my activities with this unnamed firm, I can't possibly answer because I didn't take out a credit card with unnamed firm. I took out a credit card with such and such retailer, XXXX XXXX, XXXX, XXXX XXXX. 

On another occasion, they asked me the loan originator for my college loan in 1977! I didn't know it then and I certainly don't know it now. I can tell you when I paid it off, but I couldn't possibly tell you the name. And yet this exact example locked me out of my account. 

I understand why they're using these public data sources which I don't believe are public data sources. I think they are an unregulated, gray credit reporting agency.

I want them to use the credit reporting companies and be responsible for any misinformation rather than this ethereal unnamable public data source their accessing that may just have bad data on me and I can not fix it. There are no laws yet that require corporations to fix bad data on unofficial data collection databases. 

It's time for all financial reporting entities provide consumers with the same protections that the credit reporting agencies are held to.
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded. 

So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her. 

Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.
Consumer complaint received 2021-02-27
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

. I sent a certified letter to LVNV FUNDINGT on XX/XX/year>, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/year> I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AP)

The company hadn't sent a card, nor any type of communication stating that I had a due balance. There was no way for me to pay without knowing my account information ( card number ), nor was I given any notification until they'd already penalized me and reported it, which I didn't authorize. I immediately closed the account after this incident and synchrony denying their role, however, the account didn't reflect as closed until months later. They also put a new XXXX day late notice on my XXXX XXXX last month ( XX/XX/year> ).
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

XX/XX/year> I was in a XXXX XXXXXXXX situation and was threatened with my life and the life of my children to open a car loan, my abuser took advantage of my mental health and the mental health of my children and forced me to use my XXXX XXXX XXXXXXXX payments to put a down payment on the truck, i was scared and unaware of what i was doing as i went into the dealership ( XXXX XXXX XXXX in XXXX Ohio ) by myself and my abuser in the car holding my children XXXX, i had been secretly working on my credit to flee from my abuser and didnt want to finance a loan to begin with. The car salesman also spoke to my abuser and allowed him to make decisions on what truck he wanted and i went inside unaware of what i was doing out of fear and signed paperwork to finance with GM financial, they gave me extremely high payments XXXX per month which is more than XXXX percent of my son 's XXXX and the only incoming in the home because i am unable to work due to the XXXX XXXXXXXX inside the home. on XX/XX/year> I called back up to the dealership and let them know what was done and that i didnt really want the car, but the dealership was no help. I was told by the manager of the dealership to contact GM financial because it was their responsibility now and to explain the them what was going on, GM financial, transferred me to different people who were no help and said they could not get me out of the contract that was signed, i sent paperwork to prove that i was in a XXXX XXXX situation and was forced to sign into a contract with them. They never let me out of the contract, they dont care that they are making my situation worse and more unsafe. I've had a few late payments reported to the credit that has affected my score tremendously, i've disputed and asked for forgiveness on the late payments with no help or success. GM financial is now reporting false late payments and because of that my score has dropped over XXXX points, leaving me and my children stuck and in danger and unable to flee.
Consumer complaint received 2018-06-14
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: RFNA, LP (GA)

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (GA)

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called XXXX XXXX XXXX, XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent XXXX XXXX a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having XXXX XXXX remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.XXXX
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

The Synchrony Bank, which is the issuer of several of my credit cards ( listed below ), closed all my accounts abruptly and without warning. All of my accounts with them and other credit issuers are in good standing. I have always made my payments in full and before due date, never was late or delinquent or made even partial payments. I requested the reinstatement of all my accounts with the current/last approved credit limits. 

These are the cards I have with them and they closed : - XXXX XXXX - XXXX credit - XXXX  store card - Synchrony Premier XXXX ( XXXX  % Cashback ) - XXXX XXXX XXXX credit card - XXXX XXXX - XXXX store card
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I received email communications from Nelnet alerting me that my account was in administrative forbearance. On XX/XX/year>, I received another correspondence via XXXX that I had a payment due on XX/XX/year> ( all correspondence are attached ). 

It was my understanding that I would be alerted about the resumption of payments 30 days before the new date. The notices of forbearance led me to believe that I still had at least 30 days before my payments resumed, but now I find myself with a payment due in 15 days.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

There are two accounts reporting from XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX and neither should be listed. I was homeless for a long period of time and covered under the XXXX XXXX XXXX. I do now owe any medical debt for that time period.
Consumer complaint received 2017-12-06
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)

I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.
Consumer complaint received 2018-06-13
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: Resurgent Capital Services L.P. (CO)

I have lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MS)

After having a *verified* account for nearly a year, 3 minutes ( literally ) after adding cash from my debit card and buying ~ {$45.00} in XXXX, a restriction was placed on my account. Since XX/XX/XXXX, I've been unable to sell or withdraw my XXXX, despite their help section saying I can withdraw at any time. I message daily asking for them to release my XXXX and close the account, but they keep telling me to continue using Cash app, I need to verify my identity. # 1, My account has been verified since opening and # 2 I don't wish to continue using Cash app any longer. Last night I was told I didn't need to verify with my ID again, only link my bank. After getting an error while trying to link the bank and reaching out to " support '' I'm again told I need to verify my identity. So much hypocrisy here, they closed my mother 's account for " gambling '' despite being a devout XXXX who refuses to gamble. They allowed her to withdraw her XXXX and money without verification. I openly tell them I was gambling, but they refuse to treat me the same. Repeatedly requested a XXXX, but none have reached out to date. I just want my little XXXX back and they can close the account for good. But they refuse. Worst customer service ever, by far.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX   from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I first filed for a grant and was given a loan instead. When I started making payments I explained that I am on SSI and have very limited income. I am struggling with my choice as a single parent of XXXX XXXX with XXXX I have to decide to pay rent or pay my loan. I owe a little over {$3000.00} and sadly, only make payments when I can if I can. When I make that payment of possible, I then can't get perscriptions, things my daughter needs, or pay other bills such as electricity. I'm not sure if I qualify for any programs that can help students. I have XXXX and this struggle makes it a not more difficult to either pay rent, buy food, or get other necessities needed. I don't know what else to do and need help.
Consumer complaint received 2021-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed this information shared with credit reporting agencies from XXXX XXXX AND XXXX XXXX  several times for an alleged debt. I have notified them repeatedly providing evidence that this account was listed twice on my report along with non consistent information and yet still and all they send me correspondence stating it is verified. One alleged debt is being reported as two alleged debts and is also inaccurate & never verified by me the consumer. It is very harmful to my reputation causing me financial harm by reporting this information that is alleged, incorrect and I have never validated this alleged debt. They state that its has been investigated but failed to provide me with the names, addresses and information used to investigate and verify this alleged debt. I am struggling with this and this is negatively affecting my life and causing me harm. Transunion, XXXX, XXXX XXXX XXXX and XXXX they all ignore, and disregard my consumer rights that they have violated and continue to violate when they keep publishing this incorrect information about me.
Consumer complaint received 2020-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/XXXX, I called in and advised Capital one I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.