davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have disputed this issue with the credit reporting companies but have not received a final response. 

I had an account with XXXX XXXX XXXX , XXXX. Since XXXX/XXXX/XXXX, I have been paying the XXXX District Attorney on this account. Since XXXX/XXXX/XXXX, XXXX XXXX XXXX has been reporting a balance of {$2800.00} to all XXXX credit reporting companies. Signature Leasing failed to report to XXXX XXXX XXXX that I was making payments through the XXXX District Attorney. XXXX different companies were trying to collect on this account with XXXX reporting negatively on my credit reports. I applied for an apartment in XXXX, XXXX and was denied because XXXX XXXX XXXX was reporting it as a collection account for XXXX XXXX XXXX , XXXX. 

Had XXXX XXXX XXXX , XXXX reported to XXXX XXXX XXXX the correct information about the payments being made since XXXX, XXXX XXXX XXXX would not have been able to report negative information and I would not have been denied for the recent rental application.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

I went to Ashley 's Furniture Store in XXXX XXXX, and was told I was approved for up to {$7200.00} made an {$8000.00} purchase and paid {$800.00} cash now the credit card company is saying I was only approved fro {$6600.00} and it dropped my credit score by XXXX points because the account shows overdrawn. Please have Ashley 's Credit Department fix this I was lied by them just to get the sale I see this as a Bait and Switch and a UDAAP violation very deceitful. Please Help
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Experian has not removed this account XXXX XXXX XXXX XXXX XXXX from my credit report. This account is too old to be on credit file and I am withing guidelines to have old creditors removed. I am mot familiar nor have I ever paid on this account. I am asking Experian to please remove immediately.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.
Consumer complaint received 2017-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (TX)

I was a victim of identity theft and noticed a collection from HUNTER WAR FIELD I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NC)

I have gotten a letter from a debt collector for a loan outstanding that I never had. I tried to tell them twice, that this is not my account, nor have I ever had a loan not paid. 

The debt collector 's name is, XXXX XXXX XXXX, NJ. 
I called them and told them this is not mine, nor did I see it on my credit reports in past, so apparently they are using my name and old address on the claim. 
What can you do about this, it seems they just want to harass me no matter what.
Consumer complaint received 2017-10-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BlueChip Financial (TN)

I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rossi Law Offices, Ltd (NH)

Rossi Law Offices XXXX is a collection agency collecting a debt they say I owed the The XXXX XXXX for vehicle excise taxes during two years I lived solely XXXX and had the vehicles registered XXXX. I have written to dispute this claim, but only get back unsigned responses in the form of new bills.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CO)

I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 

I was recently informed by XXXX, XXXX that information including my name, DOB, SSN, home address, email address, and employment information have been compromised by their system. On XXXX/XXXX/15 I mailed a certified letter to Equifax, confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ), as required. On XXXX XXXX I received a letter dated XXXX XXXX confirming the security freeze and indicating a personal identification number ( PIN ). That letter was correctly mailed to my correct address. 

Subsequently I received a letter from Equifax, dated XXXX/XXXX/15, confirming a change of address. The indicated address was essentially the same as my current address ( which has not changed this year ), with the exceptions of a spelling error in the street name and the city designation associated with the zip code. Although the indicated address was close enough to the correct address for the letter to reach my home, the errors would cause problems with identification questions in any future on-line transactions. The confirmation letter indicated : '' If you dispute or have questions regarding this address change ... please contact us atXXXX ... please have available the XXXX personal identification number ( PIN ) that we provided to you when the security freeze was first placed on your credit file. " On XXXX/XXXX/15 I phoned the indicated number, and spent about XXXX minutes speaking with an agent ( " XXXX '' ), a supervisor ( " XXXX '' ), and waiting on hold, but I was not able to get the address corrected. The specific problems I encountered are detailed in an Word document to be attached.
Consumer complaint received 2015-04-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (WI)

I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.
Consumer complaint received 2020-04-17
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. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.
Consumer complaint received 2015-11-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (AL)

In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter!
Consumer complaint received 2015-06-10
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services (PA)

I RECEIVED A LOAN FROM WESTERN SKY IN XX/XX/XXXX FOR XXXX...THEY IMMEDIATELY SET UP A PAYMENT PLAN FOR XXXX PLUS INTEREST, THEY LATER STATED THAT XXXX WAS PROCESSING FEES...IT WAS THEN SOLD XXXX...I HAVE PAID BACK APPROX XXXX TO XXXX, MAYBE A LITTLE MORE...I HAVE SENT THEM EMAILS ASKING THEM TO RECALCULATE MY LOAN BASED ON MY STATES INTEREST RATES (6%) ..I LIVE IN PENNSYLVANNIA...THEY REFUSE TO ACKNOWLEDGE MY EMAILS BUT XXXX RETURNED AN EMAIL STATING THEY WILL BE TURNING ME OVER TO THE CREDIT BUREAU...SINCE THEN OTHER DEBT COLLECTORS HAVE CALLED ME REGARDING THE BALANCE WHICH IS WELL OVER XXXX....HOW CAN I GET THEM TO REMOVE THE NEGATIVE INFORMATION FROM THE CREDIT BUREAUS AND CLOSE THIS ACCOUNT SO OTHER DEBT COLLECTORS WILL STOP BOTHERING ME ABOUT IT...THANKYOU
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I have sent Experian XXXX seperate letters asking them to verify the accuracy or remove the unverified accounts listed on my credit report. 
Experians XXXX response was that it was a SUSPECIOUS REQUEST and not sent by myself, even though I enclosed a copy of my drivers license and social security card. 
I have not recieved a response to my XXXX letter mailed on XXXX XXXX, 2015, and recieved on XXXX XXXX, 2015 as of yet, Today is XXXX XXXX, 2015 and the 30 days allowed has passed with no response. 
Enclosed you will find copies of both letters sent by CERTIFIED MAIL. 
Also enclosed is Experians response to my XXXX letter. All of which is in clear violation of the FCRA and Federal Law.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (FL)

I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (CA)

On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

On or about XXXX XXXX, 2015 I made my monthly payment of {$2000.00} to my mortgage servicer Seterus XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Ph. # XXXX. On a separate check for {$11000.00} I attempted to make a principal prepayment, clearly writing PRINCIPAL PAYMENT on the check. On XXXX XXXX, Seterus applied this as XXXX regular payments with only {$6900.00} going to principal. I have called and spoken with Seterus on XXXX, XXXX and XXXX or XXXX other times and received promises to correct this but the situation remains unresolved at XXXX. This is malfeasance and possibly predatory lending practice.
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EQUIFAX, INC. (FL)

I am currently XXXX of age and took out my first student loan when I was XXXX XXXX XXXX. I had some financial struggles as most people do and got behind. I rehabilitated and got back on my feet, then got XXXX and have been ill on and off. I am currently back in school again attempting to complete my XXXX XXXX. Over the past almost 30 years my student loans have been bought and sold numerous times. I have seen my amount owed increase drastically. There are a few errors on my credit with all XXXX credit agencies showing I owe a larger balance than I do. Also, there are duplications of the same amount and then some on my credit reports. I currently have my deferred student loan with Dept of Ed/XXXX. I still show my balance increasing and then a different loan amount added to my credit.
Consumer complaint received 2016-03-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/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 ACC # XXXX XXXX ACC # XXXX XXXX ACC # 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX