davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (NM)

This company has called me many times during the day, approximately about 10 calls per day and all of them are technically the same phone number, they just change their last two digits. But always call under a XXXX then the last two digits are different. 
I talked to someone who harassed me about a debt. I asked for the validation of the debt with my signature and that representative told me " I can not provide you that since we bought your debt ''
Consumer complaint received 2022-01-18
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. (OK)

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Consumer complaint received 2021-04-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (GA)

After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove XXXX XXXX. My FCRA rights have been violated and if XXXX XXXX isn't removed immediately my attorney will have to file a lawsuit in XXXX County, GA. 

Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. 

XXXX  is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. 

Exeter shows {$7500.00}. The amount shown by XXXX XXXX is {$7600.00}. Again this is all incorrect. XXXX XXXX and Exeter have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. 

XXXX XXXX doesnt have a contract for {$7500.00} yet this is the amount Exeter shows which is the original creditor. 

XXXX also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. 

In addition, the first date of delinquency was XX/XX/XXXX as shown on the XX/XX/XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. 

XXXX shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. 

I'm not asking for an investigation as it is apparent XXXX XXXX does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NM)

Several things happened after that point. XXXX insisted that they didn't want my trade and I had to bring the XXXX back. Then they said they couldn't finance me and I had to bring the XXXX back and take My XXXX XXXX XXXX plug in. I stated to the XXXX  XXXX that I never received any credit denial letters for the XXXX that was to be financed and that it would be fine that I would pull the money out of my retirement and pay the cash difference. The representative then said that I had to finance the remainder that I couldn't pay the cash difference. 

In XXXX, I received a denial of credit letter from Mountain America Federal Credit Union dated XX/XX/XXXX in the amount of XXXX. 

As of today, XX/XX/XXXX I am driving a XXXX XXXX that the transaction wasn't closed and the vehicle is not titled in my name. I've asked XXXX and XXXX XXXX why my credit was ran for XXXX without my consent and over a month after the date I purchased and closed on a vehicle. I have asked to close the transaction and to be able to pay the cash difference with no response or opportunity to rectify, I don't know what sort of fraud this is but it isn't right. 

Thanks for your help, XXXX XXXX
Consumer complaint received 2023-03-30
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. (SC)

Equifax has inaccurately reported information on my consumer report. There has been a breach to their own privacy policy and all negative inaccurate information needs to be removed.
Consumer complaint received 2021-04-07
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. (FL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not receive a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), is plainly stated a that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I am going through debt consolidation. I have several accounts with Synchrony. Once I stopped paying on XXXX of the accounts, Amazon and Paypal, that I planned to pay through debt consolidation, Synchrony just started closing most of my accounts even though I was still paying on those accounts. Recently Synchrony closed my Care Credit account which I use for my medical care. I am not even using XXXX of my credit limit. All together they have closed my Car Care, JC Penney, Lowes, Care Credit, and Ashley Furniture Credit accounts. 
My JC Penney account actually has a credit on it. The Ashley Credit Account was on a 0 % interest promotion and I was paying more that required monthly. On my Lowe 's account most of it was interest free. When I go to the customer portal to submit a complaint and documentation, the doesn't seem to be a designated area to submit one. The chat has a virtual rep.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX Care credit  is reporting I applied for credit 3 times in one day and I did apply one time with care credit that has been verified by care credit in their database, but XXXX shows an inquiry three times with the same code and will not remove it after 9 attempts through calls and letters. 

Two weeks ago I get contacted by XXXX XXXX telling me someone had open a fraudulent bank account under my maiden name using the address where I grew up, not realizing I have been married for many years and have not lived at my parent 's address for over 30 years. XXXX XXXXXXXX thought I may be on the dark web since they did not have any of my current info. 

Also XXXX XXXX closed the accounts I had with them because of this situation, which was unfair to me and that affects my credit. 

A charge off for an account I never had by a company called XXXX has never been removed from my file. 

Recently I see an inquiry from the XXXX XXXX in XXXX XXXX on XX/XX/2021, that I have no idea where it came from because I have not applied for or been in XXXX.
Consumer complaint received 2021-04-07
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. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I have made deposits to my checking and savings accounts on 2 different occasions..the ATM accepted my funds but the amount into my account was short by {$1800.00} each time fir a total of {$3600.00}. The NFCU gave provisional credit and then took it back. This has been going on since XXXX fir one transaction & XXXX for the other. I have my ATM receipts & have called gone to the bank and submitted disputes and Navy Federal Credit Union has not resolved my issues. I am still {$3600.00} short in total for the 2 deposits.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (GA)

The Family Educational Rights and Privacy Act ( FERPA ) of XXXX is a federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

I have 4 student loan accounts showing on XXXX, XXXX, and XXXX that have cause a serious negative impact to my credit over the years. ( XXXX. ) Account # XXXX with a current balance of {$4800.00} opened on XX/XX/XXXX, states that the account is open and deferred payments begin on XXXX/XXXX. This account was closed and sent over to a XXXX party by the name of XXXX XXXX, now the loan is under Aidvantage which is a subsidiary company with maximus education. ( XXXX. ) Account # XXXX with a current balance of {$1500.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$1100.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$460.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. Current total balance is {$8000.00}. 

Account number XXXX with a balance of {$4800.00} was discharged with a balance of {$4700.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit report as of XX/XX/XXXX. 

Account number XXXX for the balance of {$1500.00}, {$1100.00}, and {$460.00} were discharged with a balance of {$3100.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit reports as of XX/XX/XXXX. 

When a debt is discharged, no one may make any attempt to collect a debt from the debtors. Creditors can not sue, garnish wages, assert a deficiency or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorney fees.
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

XX/XX/XXXX I applied for an FHA modification while completing the COVID forbearance. The evaluation process was excessive. I was approved for a modification with a trial plan, in XX/XX/XXXX. However I was informed on XX/XX/XXXX that the FHA modification eligibility waterfall was NOT used due to my recent bankruptcy. 

After speaking with a HUD representative on XX/XX/XXXX, I was misinformed and that filing bankruptcy does not impact borrower eligibility as it pertains to the HUD modition option approval hierarchy/waterfall. 

During my initial application for the modification I stated that my intent was to reduce my mortgage payment due to my COVID and medical related hardship and be considered for the combined partial claim and modification option offered by the FHA program. 

I am now being told that I am not eligible which is conflicting with the HUD eligibility guidelines. I believe I am a victim of unfair mortgage practice. 

The objective of my complaint is to be considered for the combination partial claim and modification option as per the FHA regulations. All necessary documents have been provided. The result of the recent modification did not reduce the Mortgage payment by at least 10 %. 

The deadline for my 1st trial is XX/XX/XXXX. 

During the evaluation process I filed chapter XXXX due to excessive medical expenses excludes the Mortgage.
Consumer complaint received 2021-04-07
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. (CA)

There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a consumer by law. My credit report continues to report these inaccurate items that you continue to report. By law you are not mandated to report inaccurate information you can not verify with evidence. This is harming my ability to get competitive auto insurance rates.
Consumer complaint received 2021-04-07
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. (CA)

There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I just found out when I applied for a loan, someone opened up a XXXX phone in my name back in XXXX XXXX they left a balance of {$2400.00}. I am disputing this debt for it is not mine. ( XXXX )
Consumer complaint received 2023-03-30
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

i wanted to just add this complaint # XXXX but I couldn't find a way to do it. Capital One closed my XXXX rewards card because they learned I had a criminal record. I already stated before that I think they should have to ask before giving credit or at least have a disclaimer that if certain things are in your record, they will close the account. I mentioned that I thought it was against Ohio law as stated in their paperwork for this very card. Ohio 's anti-discrimination laws say they must provide credit equally to ALL credit worthy persons. My scores are near 800 so I think I'm credit worthy and they must have agreed because they issued a card. Under their " Additional Disclosures and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very card! I would agree that I can do things after a card is issued that would make me less credit worthy ( missing payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed? Can they point to a rising credit utilization rate? Can they even tell me how my background supposedly makes me less credit worthy? Since I've been released from prison, my credit score has only risen. Everything I did that they have a problem with happened before they issued the card. The more I look into it, however, I think even a Federal law was broken here. According to the Fair Credit Reporting Act, if they want to background check me, it requires a written authorization. Can they show me where I signed such an authorization? The whole thing was done online and I don't remember there being any mention of signing for a background check. Their paper work does say that I authorize Capital One to check my credit and employment history. I have good credit and I am employed, but I did not give consent to check my background. They never asked for it! The FCRA requires my signature for you to run it. No signature, no right according to federal law to run that check! Show me where I signed for that and show me where you're allowed to do that without my consent.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with XXXX people at XXXX XXXX and XXXX person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all XXXX bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Consumer complaint received 2019-02-19
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX  XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX