davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (KS)

My social security XXXX check is being garnished due to XXXX declaring me ineligible for assisistance after declaring eligible in hurricane XXXX in XXXX. Performant recovery now owns the debt and when asked for statue of limitations it decline not to give any info but instead if there is a statue tell them and they would forward it to the collecting source that was in XX/XX/XXXX. I asked to validate the debt but they also declined and said they were collecting on a debt assigned to them through the fiscal bureau services due to a debt owed to homeland security in the amount of XXXX. 
On XXXX of XXXX a different agency owned the debt but when sent in my financial list to dispute the debt and to waive amounts due to hardship. My debt was placed with XXXX in XX/XX/XXXX then garnished and has been and has not stopped or given any indication when it will or why it has started I am on social security XXXX I can not afford to keep being garnished for the entirety of my life. For a debt XXXX claim I was eligible for.. I sent in documents then they changed their mind and still 15 years later saying I owe. I never received any letters except from the cpa when I sent in my financial statement and when responded my debt was then placed with XXXX XX/XX/XXXX XXXX months later.On XX/XX/XXXX of XXXX my stimulus check was offset by the Department of Treasury filed through the irs through the recovery rebate program. I am already being garnished why was my stimulus taken as well? This has been an ongoing XXXX for me. Who can I speak with to reverse this garnishment and refund all my monies paid through garnishment, tax offsets and now stimulus/recovery rebate credit. What are my options who can help?
Consumer complaint received 2021-04-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (TX)

Yes, I filed bankruptcy, and reaffirmed my auto loan with Santander USA. Since the discharge they have not started reporting back to the credit bureaus. They stated that they will not resume reporting to the three credit bureaus. I have read the law and to my understanding that when you reaffirm the loan that they are obligated to report my payments being made. This is affecting my credit and that was the whole point of filing for bankruptcy.
Consumer complaint received 2021-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

FedLoan reported that I did not pay on my student loans when I infact was not notified I had a bill. I never received a bill. I have asked multiple times for proof that they attempted to contact me to collect a date & have been told they " see an email sent '' but can not verify the body of the email or email address used. They also claim they tried to call, but used a phone number that changed years before I took out loans ( new phone number was adopted in XXXX  & was on ALL loan paperwork from XXXX as well as presently ). I only found out about the 90 days late on payments because my credit monitoring program told me about it. It also shows on their website that I did in fact pay the two months before being delinquent for 90 days, to which the employees I have spoken to MANY times can not explain. I now do not qualify for a mortgage loan despite making over XXXX because it shows I have a 90 day delinquency on 15 loans. I have hired XXXX XXXX to fight the claim, been told by fedloan employees to file an internal complaint for it to be repaired, filed multiple complaints to all three credit bureaus, and have sent multiple letters of goodwill. Frankly, fedloan broke the law by not notifying me in any way ( I normally receive emails and things in the mail from them, however received nothing about missing payments ). My previous payments before these months ( XXXX XXXX XXXX ) were {$0.00}, so I had no idea this would change the beginning of the new year because I had not been at my job for a year, but had provided proof of income.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

This company : " CEDARS BUSINESS SERVIC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX or ( XXXX ) XXXX '' has reported a fraudulent collection to my credit report without notifying me. When I have disputed it they have " confirmed '' the debt was correct without speaking with me. When I redisputed the debt they tried to get me share personal information about myself without any verification of who they are of who they represent. I have numerous times asked them to send me a letter verifying what debt that I allegedly owe but they have not done so. This has been a dispute that has been over a month and they have still not verified my alleged debt or given me written notice of such a debt.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

My name is XXXX XXXX, And on XX/XX/2022 I was notified by XXXX, that my credit score was down XXXX points and when I looked shortly after the notification, I saw that it is was AFFIRM with over XXXX accounts in delinquency. I have never had an affirm account and I called them immediately. 
I gave them my email Address in which they told me that my name was no where on the account or attached to the email. And started a case? The lady on the phone stated it would take 10-15 business days to get this resolved, so on the following week I called in and they stated they would have an answer by Friday, no calls or updates. I called today and they stated " they couldn't resolve it yet and to give them More time, i than asked that my email be removed from Whom ever has this account, XXXX stated she couldn't. Which violates my privacy,
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (GA)

Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : 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 2021-04-11
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Equifax informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. On XX/XX/2021 I received a response from Equifax stating that they would investigate my dispute. Allow them 30 days to complete it. 

We are now past 60 days- I have no response from them. I've tried contacting them twice to get an update on my dispute and was told Equifax doesn't remove inquiries per customer request. 

This is a clear Violation.
Consumer complaint received 2021-04-11
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: ENCORE CAPITAL GROUP INC. (LA)

I have been disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court. 
All I want is the error corrected and deleted from my report. 
Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing. 
They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage. 
This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On this date XX/XX/2021, experian continues to misreport my actual account balances. I try to dispute at their site but have been denied being able to dispute due to their failed systems. Their misrepresenting my account balances is leading my credit scores to decrease, causing me to lose access to monies.
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

Please provide payment history for the full duration for my account as a customer with your company. 

For the state of XXXX XXXX and the transfer to XXXX XXXX  once I relocated. 




Thank you kindly.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Deleted those account ASAP or I will file a litigation.
Consumer complaint received 2020-12-02
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. (FL)

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Deleted those account ASAP or I will file a litigation.
Consumer complaint received 2020-12-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: ClearPath Lending (SC)

The loan officer XXXX XXXX XXXX @ Clear Path Lending ) did not send a disclosure statement of our loan costs. Several of the documents were different from what we originally signed. Closing costs and fees were higher than what we agreed to. Fees were added to reduce points that I did not agree to nor was made aware of. The Loan Officer ( XXXX XXXX XXXX explains that I was informed of the fee and I signed a disclosure form. I was unaware of any fees associated with buying down points. My credit score is high enough that I do not need to buy down points. I further explained that I would have never agreed to buy points down on a loan because I am very frugal. As a Veteran this is a major issue and seems to be dishonest and unethical. 

Initially XXXX in XXXX XXXX I asked the loan officer for a break down of all the costs ( I asked for a disclosure statement ) and he explained that a disclosure would be sent at a later date. He also explained that only the final disclosure mattered and all others were just estimates. When XXXX sent the disclosure he had added {$3600.00} so we could buy down our rate to 2.25 %. I did not agree to buy down our rate. I was told that our rate was XXXX based on my and my wife 's credit score. My wife has close to an XXXX score and my score is XXXX or higher. His practices do not seem to be in alignment with what he told me. 

Lastly, I contacted the Loan Officer and left his supervisor XXXX XXXX a message that there were discrepancies on our documents. The Loan Officer emailed the disclosure documents at XXXX today XXXX. We should have received the documents 3 days ago. The documents according to the date ( on the disclosure ) were ready XX/XX/, yet, we did not receive them. The Attorney was here at our home at XXXX and presented us with documents that we have never seen. This is problematic and unethical.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020 I mailed a certified letter to Transworld Systems Inc requesting the company to verify the validity of this alleged debt. It has been over 30 days and I have not heard anything from the company and they have yet to remove this inaccurate credit debt from my credit report. This is why I am filing a complaint
Consumer complaint received 2017-12-15
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: HONOR FINANCE, LLC (IN)

On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.
Consumer complaint received 2024-01-06
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: Experian Information Solutions Inc. (VA)

XXXX, XXXX, XXXX & Credit Karma have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Consumer complaint received 2023-03-10
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: Blackhawk Network Holdings Inc. (CA)

My employer gave me a {$500.00} gift card. I was able to use it for one purchase of {$130.00}, when I tried to use the card again I was told it was expired. 

I contacted OmniCards by phone, not sure of the date but in early XXXX. I explained that I never imagined the gift card would expire because it is my understanding that gift cards do not expire in the state of CA. I was told that they would charge me a re-processing fee of {$15.00} but that the remaining balance of {$340.00} would be issued to me on a new card and that I could expect to receive it in approximately 21 business days. 

After waiting various months I called OmniCards again on XX/XX/XXXX and was told that I was sent an email in XX/XX/XXXX stating that my case had been closed and that they were unable to issue me a new card because it was a " Rewards '' card and not a gift card. I explained that someone had already told me I could recover the funds with a {$15.00} penalty. They advised that they would escalate the matter but that they could do nothing for me. I asked if the the card was less expensive because it is a " rewards '' card and asked if my employer had spent less than {$500.00} when purchasing it for me, but I did not receive a clear answer. They said someone should respond in 1-2 business days.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (PA)

I keep getting phone calls from American Express for a debt and credit card that belongs to my niece. My niece does not live here, they have been told this and told to stop calling. The person from the company said they got my name off of her credit report somehow, not her account because my name, my address and phone number are not in any way associated with this account. They are divulging her personal information to me which they should not be. They are disturbing my sleep pattern as I work night shift. I feel personally violated as they keep calling me for her debt.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (SC)

Complaint : Both Experian and XXXX Credit Bureaus have failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with both Experian and XXXX per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for this account. In my dispute, I also demanded the account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received their Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA XXXX and this account still remains on both my Experian and XXXX credit reports.
Consumer complaint received 2020-07-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have made all my payments for the year XXXX usually early to avoid paying such a high interest amount. I was 30 in advance of my monthly payment, I found out they were collecting interest on the payment even before it was 30 days due. I'm not too sure what my rights are pertaining to that matter but once I found out that I was being charged the early interest I started to make a payment as soon as the payment was posted on my account. I paid my payments so far in advance they would not allow me to make any more payments. Which was XX/XX/XXXX 's payment. My argument is if they can post XXXX 'XXXX  payment and collect interest on that payment I should have the right to pay that payment. Which I did over the phone and they accepted my payment and collected the interest off of that payment. They told me that the payment doesn't count as XXXX 'XXXX  payment and I will have to pay XXXX 'XXXX  payment. If they posted the payment and I paid the payment and they collected the interest on that payment can they do that?
Consumer complaint received 2023-01-19
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}