davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To whom it may concern : I am disputing the XXXX XXXX XXXX on my credit report. 

As of today, Equifax has not removed the XXXX XXXX XXXX from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) rule of XXXX XXXX, 2017, which states, in part, the CRA will remove any Public Record, Judgements, and Liens, that do not have all the required information. 

Therefore, tax liens that do n't have the full Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies database. 

My Notice of XXXX XXXX XXXX dated XX/XX/XXXX from XXXX XXXX, Virginia XXXX XXXX displays a partially redacted Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). 

Based on the NCAP rules that became effective XX/XX/XXXX2017, I am disputing the XXXX XXXX XXXX that is reporting on my credit report and request that it be removed accordingly. 

XXXX and XXXX have immediately deleted the aforesaid XXXX XXXX XXXX but Equifax continues to report the Lien. 

Thank you. ''
Consumer complaint received 2021-09-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC. (OK)

The company, XXXX XXXX has contacted my family members ( wife, mother in law, father in law, mother, father, sister, grandmother ) continuously. They have never tried to call or text me. I have asked them to stop by calling them multiple times to request they do not contact any of my family members. Nothing is working. They continue to contact anybody that is possibly related to me even after I called and gave them my number. The company they say theyre collecting for is one I have never had any business dealings with and they refuse to send me any paperwork or information showing a contract of any sort. One person I spoke with cussed me out and told me he would XXXXXXXX XXXX XXXX XXXX XXXXXXXX as well as threatening to sue for {$15000.00} if I didnt pay {$370.00}, which is the amount I supposedly owe the company theyre saying they represent.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I have previously requested from all three credit bureaus : XXXX, EQUIFAX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effecXXXX XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (KS)

On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to XXXX directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XXXX ( 2 ) Letter from XXXX XXXX XXXX XXXX Discharge XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( 7 ) Correspondence from XXXX XXXX XXXX ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I have over {$39000.00} in debt with Navient, formerly XXXX. I have been making on time payments for four years. Often, these payments have been well over the amount due. I pay {$450.00} every single month to them, and another {$150.00} on my federal student loans. I am a XXXX who makes {$XXXX} a year and barely get by. All I want is for them to reduce my interest rate. My current interest rate with them is 10.25 %. It has actually gone up as I 've made these on time payments, almost like I 'm getting penalized for being a responsible consumer. I 'd like an interest rate around 4 %. I 'd like my monthly payment to be less each month. When I called to discuss this with them, they offered me nothing. No relief. No reduction in my interest rate or payment. No acknowledgment of my on time payments, or overpayments. I feel as though they are price gouging me. They are predatory lenders, and not responsible members of the financial community. Something must change.
Consumer complaint received 2017-08-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (PA)

XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (VA)

I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (FL)

I had my Florida XXXX unemployment compensation disbursed to the Way2Go Card provided. Each time my benefits were debited to the account they were immediately credited back under a 'Transaction Type ' called 'RETURN UNPINNED DEPOSIT '. 

I have tried to connect Way2Go multiple times and they defer to Florida XXXX. However, Florida XXXX does not answer their phone and their offices have been closed during COVID. I have been trying to resolve these issues from XX/XX/XXXX!!!!! 

I contacted the customer service phone number for Way2Go at XXXX ten times through XX/XX/XXXX- they even charged me {$0.00} for each phone call. There is a record of this on my statement.
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I recently signed up for Coinbase, an online cryptocurrency exchange. I made several purchases, starting on XX/XX/XXXX. I started off using a credit card, and then increased my buy volume by providing a picture of my driver 's license. Once I was cleared for bigger transactions, I transferred a total of XXXX dollars from my bank account to my Coinbase USD account. The transfer went through and I was able to see the money in my Coinbase account.
Then, I tried to make a purchase and was not able to. I was directed to the coinbase/ssn page, where they ask for date of birth, name, ssn, job title, workplace, and personal address. I provided all of the correct information but access was denied. I am now unable to do anything with the money in my coinbase account and ca n't transfer it back to my bank account. My XXXX dollars is " locked '' in Coinbase.
I have emailed them twice, starting on XX/XX/XXXX, and they have not responded. I have no access to my money and need this resolved asap.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (GA)

I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. 
I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. 
The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. 
I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CT)

Again I do not have {$100000.00}. It sure looks like they are looking to forclose to. Now because this has dragged out so long and banks have all but distroyed my credit no other bank will touch me. My next plan is to sue all these banks and see how that comes out. This has been a nightmare for about 3 years, needless to say what it has done to both our health not knowing if we will have a home in the morning. I need some help please!!!! Four banks with the same results where is all the help all these politicians talk about. My name is XXXX, Conn. XXXX, XXXX It may be a nightmare reading this but living it was worse.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have sent in  2 no torized certified mail and still have been ignored the following information is incorrect and I did not authorize these inquiries or account (  1  )   XXXX   XXXX    XXXX  (  2  )   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX  ( 3 )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  4  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( 5  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  6 )   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I have contacted Experian twice since XX/XX/XXXX to remove inquiries from my report because they do not meet the FCRA requirements which that they are only permissible purpose for pulling someone 's credit port is a ) firm offer or credit b ) insurance c ) employment or d ) court order the following credit inquiries are related to non of the aforementioned permissible purpose nor did I authorize these companies to pull my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items should be removed from my credit report immediately
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CA)

Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (IN)

My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !