davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Ally has continued to apply late fees and finance charges even though Ive paid my bill over the amount required and on time. Ive called the company and spoke to at least a dozen people who have all told me something different. Im in the process of refinancing through another company but they are truly scamming people. Ive spent hours on the phone with them and they continue to transfer me and hang up. Now its affecting my credit score as a late payment even though Ive been paying.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Hello MRS associates collection appeared today on my credit report I called them and explained that I do not owe this debt nor have I ever had any business with spectrum. And to remove such collection from my records immediately. 

I'm a new legal resident to the united states and have never heard of either of those names nor have I had any utilities on my name.
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (CA)

I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I first contacted XXXX XXXX on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from XXXX XXXX  on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At XXXX XXXX, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but XXXX XXXX continues to inform the credit companies that the XXXX payment was late.
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (FL)

I have called many many times to find out what I needed to do about the loan I cosigned for my daughter. I am XXXX, I live on XXXX  and do not work. I will never work for the rest of my short life. I receive 100 % SSXXXX. I do not drive and Im on so much medication someone had to help type this. I have called there office 8 to 10 times each time they tell me they will mail me out my paperwork, but I never get an mail. All they do is transfer me to another dept and I was told a form will be sent to me I never got anything from Ed financial this is causing many issues with my credit. I have also written to them a few times with no response.
Consumer complaint received 2020-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc. (NV)

Self lender is advertising how they can build your credit through an installment loan. 
As you read on an installment loan is a CD that they hold for 12 or 24 months. I tried getting a better understanding by emailing them and they will just respond with information that's is already on their website. 

I tried four times and then moved to live chat they said they have live chat and they absolutely do not have live chat you leave a message on their life chat and they promised to get back to you within 72 hours. It's been almost a month and they have not gotten back to me in regards to my chat request. 

They said they have live customer service over the phone. 

For days in a row I called at different times of the day and each time I called they were closed. 

I called as early as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX XXXX and XXXX XXXX 
They were closed! 

We are all aware of scams and people being able to duplicate other people accounts including the irs 's website ... 

So my first thought after all of this was that this must be a scam. 

They charged me a little over {$9.00} to process my application. 

And the loan that I chose was the most that they offer which required a check at the very end of my 12 months. It was a little confusing so I had a lot of questions. 

{$1600.00} would be paid in total after paying them {$150.00} per month for the entire year. 

minus interest charges and all this extra blah blah that they're going to throw on to get the most out of it I was scheduled to receive a check at the end on XX/XX/2021. 

But without a better understanding how can I truly trust my money in the hand of people who's not even interested and helping me get a better understanding of how this will help me. 

I'm still within my 30 days I opened the account XX/XX/XXXX a payment was scheduled to come out XX/XX/XXXX and on XX/XX/XXXX I sent them a message requesting to cancel my account. 

On their website has no refunds for the {$9.00} that I spent so I'll get over it. 

But there will be no way I will lose {$150.00} or in that matter I'm not going to lose {$1600.00}. 

This complaint is being sent because they are fraudulently running a business charging people for applications, charging people monthly for the so-called installment loan that later is called a CD giving no information about it and how it will help you. 

But what they do make perfectly clear is what you will not be getting back. 

This complaint is to make it perfectly clear that as of XX/XX/XXXX I canceled my account I also took my account number and the routing number off of that account. 

If they manage to hold a copy of those numbers this complaint will be used as a legal document making it perfectly clear that I canceled beforehand and if money is removed from my account it will be considered fraud and I will be pressing charges.
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, XXXX and XXXX XXXX  XXXX HIPPA Laws and Rules. 
XXXX. XXXX, Equifax, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, Equifax, XXXX illegally accessed my frozen credit file for profit.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc. (CA)

A robo call comes in several times a week that disconnects if the phone is answered and only leaves a recorded message. The incoming number caller ID is different everytime they call. The message identifies the caller as Rsi Enterprises inc claiming it is trying to collect a debt. I have no debt and do not know this entity. 
Several years ago my family information was compromised and someone tried to file a tax return. These calls started shortly after that. So this could be related to the same criminal activity.
Consumer complaint received 2020-09-01
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: USA Service Finance LLC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I keep receiving calls from Transworld Systems Inc. for a debt not owed. I was being balanced billed by the XXXX XXXX and the claim was ultimately paid by XXXX. Under FL statue 641.3154 ( 1 ) " If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider. 
( 2 ) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organizations authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization. 
( 3 ) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims. 
( 4 ) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable. 

This agency continues to report incorrect information on my report. pls remove
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.
Consumer complaint received 2021-01-21
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. (TN)

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.
Consumer complaint received 2021-11-01
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: CITIBANK, N.A. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Report. Lets correct this immediately. The Company, CITIMORTGAGE XXXX, are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

Ive been trying to retain foreclosure assistance for quite some time, first with my lender ( s ) then with HUD, and so on ... no one has ever helped or offered help. 
I have an FHA Loan in a rural area of California, I am 3 years XXXX and still unemployed as a result and due to COVID I am going on 2.5 years trying to obtain XXXX  Benefits .... 

Prior to COVID my lender denied modifications for every ridiculous reason or just ignored my request completely I file Bk in XXXX to halt the sale and now with COVID the care act has helped a bit as well, however Im again in the same position of filling out the mitigation packet, calling & emailing the bank, never getting a response They ARE NOT HELPING ME! 
HUD, always tells me to call someone else when I speak to them. 
I always go round & round until I give up so frustrated & XXXX & confused. 
Ive also asked about who Id contact to try to be eligible for all the different NOFA grants & programs and Im always told they dont have any programs for people like me ... .what does that even mean? 

Im very confused, I virtually have no immediate income, I cant afford a lawyer, Ive been scammed twice, and Im positive the lender has violated my homeowners bill of rights, lied, overstated/overcharged my account, and made changes to my loan without authorization. 

In fact, XXXX XXXX sold my loan to M & T Bank while I was in a loss mitigation, M & T never filed correct county documents stating they were my lender, my owed about is $ XXXX more than my original loan and Ive never borrowed money, they tried to charge me more than XXXX XXXX for my monthly mortgage, when I use the search tool online at HUD to search my lender it says XXXX XXXX however M & T Bank are trying to foreclose on me ... .Ive had the money to pay up the home out of black but their is so much hinky stuff taking place that I dont want to plus the county came and inspected my home and property dropping the value $ XXXX last year and this year as soon as they receive a soil report from finding sink holes in my hard plan to drop my value another {$50000.00} down to a value of {$150000.00} and the bank wants {$270000.00} for the loan I got in 2017 for only {$240000.00} .... 

Please someone help me! 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-29
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 4. XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;
Consumer complaint received 2021-01-21
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)

In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XXXX you cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (MS)

I worked out a payment arrangement with the finance company, due to loss of income because of COVID-19 : I had a few bounced checks during the arrangement. But was never notified of this. I had changed banks and didnt realize I was set up on automatic payments. When I realized what happened I logged into my account and setup a payment for XX/XX/XXXX to take care of 2 payments. When I logged in the next day to make sure that they would be deducted from the correct bank. I saw that access to my account was blocked. Upon calling the finance company I was informed that my vehicle Was up for repossession and the only way to keep it from being repossessed was to wire them money through a third party website. Keep in mind the people I talked to kept changing their stories and were extremely rude. They treated me like a second class citizens. 

This phone call was on a Thursday. I informed them over the phone that I would not be able to make the payment until the following day that Friday because thats when I got paid. 

They rudely told me that they can not stop the repo until the receive the payment : The next morning I got up 3 hours early so that I could take care of the payment and avoid the repossession. When I walked outside the truck was gone. 

A few more phone calls with a bunch of rude people later. I ended up having to pay {$2700.00} to get my vehicle back. Along with a {$100.00} fee from the third party payment processor. 

Fast forward to today and my account is again past due. I have tried to reach out to the company to make the payment but my account is stuck somewhere between repossession status and current status. They have already reported it to the credit bureau as a repo. So now theres no hope of possibly refinancing the loan. 

Also the payment I had setup for the XXXX they have tried to deduct. From the wrong bank account. So now I am out more bank fees. 

I have tried to resolve this whole matter with them but they refuse to help or offer any assistance. 

Im a XXXX XXXX veteran. I feel like Im being greatly mistreated when all I want to do is get the loan correct..
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

OnXX/XX/2021, I noticed my credit score decreased by XXXX  points, due to inaccruate reporting by Synchrony Bank. During the pandemic I have been trying to make payment arrangements with credit card companies to preserve my credit as we all try to come out of this worldwide life changing event. Synchrony Bank mislead me when offering a solution to assist with my financial hardship during the pandemic. Under the offered arrangement my credit card account would be closed, the account would show as current and I would have a reduce monthly payment. I was also told I would not have any derogartory reporting to the credit bureaus. Synchrony Bank reported to the credit bureaus I missed a payment within a time frame of 30/60/90 days. I called Synchrony on XX/XX/XXXX for clarity as I have been working to keep current on all my financial obligations as best I can, however aware of the arrangement I entered into with Synchrony I was under the impression I had some time to catch up as the arrangement was presented by Synchrony Bank ; to be designed to help cardholders keep their credit intact, during this difficult financial time we all are experiencing. The supervisor I spoke with at Synchrony stated my account was 3 payments delinquent, then stated my account was 42 days delinquent, & another time during the conversation stated the account was 72 days delinquent. It is evident Synchrony Bank is mismanaging my account and incorrectly reporting damaging information to the credit bureaus, which has/can/will have a lasting effect on my life long after the pandemic is over. This is completely unfair for Synchrony to be inaccurately report to the bureaus during the pandemic or at any time and furthermore to completely disregard the arrangement Synchrony Bank offered its cardholders to assist during the pandemic.