davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
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. (NY)

I wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
Consumer complaint received 2017-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (PA)

In XXXX I consolidated my Federal student loans because I was hired into the XXXX XXXX XXXX and they provide a XXXX XXXX loan forgiveness program. I expressly consolidated so that I could have the loan forgiven in 10 years and said as much to the service when consolidating. They did not inform me that for the loan to be forgiven you have to be in an income based repayment plan and they instead set me up with a minimum payment plan so that I would only get a payment credit every 2 or 3 payment instead of every month. I 've given up on the XXXX XXXX loan forgiveness program after 7 years of federal service as it would n't be worth increasing my payments and for the next 6-8 years it would take to get the 120 credits it requires to be forgiven.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (TX)

I received the first XXXX XXXX card in my name on a XXXX ready to activate attached to a direct deposit form with my information and a bank account number and routing number from XXXX. I did not apply for, ask for or want these services ... and was applaled to recieve it as I am on the GOVERMENT DO NOT SOLICIT LIST for financial and insurance solicitations. I called them and told them I was registered and asked them to remove me from thier solicitation list. The lady assured me the account was closed. In XXXX, I received another one. Same mastercard with and open account and routing in my name. Anyone could have received this and activated it. Which is why I do not want unsolicited offers. I did not appreciat their ignorange of the " DO NOT SOLICIT '' list nor the disregard for my request not to solicit.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts that appear on my credit report, without any authorization, do not belong to me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian will not respond to my requests to update my address information and remove the incorrect addresses that do not belong to me from my credit report. I want them to acknowledge my dispute requests and update my credit profile like they should. 


I have never lived at these addresses they do not belong to me ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC (CA)

Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my account on the XXXX of XXXX - Capital one did not credited the payment until the next day which result in a past due fee. This is not my fault, I need this fee removed from my account. This happens often with this company.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX - Account Number:XXXX  Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number:XXXX  Please investigate and delete it from my credit report. 

XXXX XXXXXXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX  Please remove from my public record XXXX XXXXXXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me.
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, XXXX XXXX XXXX
Consumer complaint received 2017-11-09
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)

The company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2021-09-08
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: Bread Financial Holdings, Inc. (PA)

on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.
Consumer complaint received 2017-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (MS)

A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-09-09
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. (NY)

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 following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 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 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 Account XXXX : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 22. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-03-10
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. (DE)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX - Date of Inquiry XX/XX/2021 2021
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NY)

I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AR)

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX bank customer. Last XXXX I was caught in a XXXX scam where people impersonating XXXX scammed me out of {$5300.00}. XXXX has not helped, refunded or even returned my calls about the scam. After reading the XXXX XXXX XXXXXXXX article about how common this scam is and how banks do not help or protect customers, i'm reaching out to file a complaint.
Consumer complaint received 2017-12-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC (VA)

This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.