davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-24
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IL)

In the recent days I received mail stating i was to be in XXXX session for a court hearing for an amount of XXXX. I am not sure if all this is a type of scam. When I called the number on the paperwork, the represenative that answered was rude and hung up on me. The prompt said the call was being recorded. I did look up this company Blitt and Gaines and it looks to be a debt collector. I am a Military Veteran and I have heard of so many scams going on. Please help. All the best, Thank you
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Back in XXXX I had some fraud on my stolen card at the time I owed XXXX the part that was mine they told me to pay so I did they told me what was left the XXXX they would put in fraud shut the card and issue a new one. The whole time I thought everything was in control on the new card if I purchased something I would pay everything but the XXXX I get a call several months later with a bill over XXXX because they have been reporting my card late and charged late charges. Talked to a XXXX first she said she would clear everything never did. I talked to a XXXX he took off all late charges but never fixed the XXXX and then said I had to resend for the 5 th time what I dispute I called him back 12 times no one calls back. I am on a automatic call from XXXX XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I made a purchase for {$650.00} on Amazon.com using my Synchrony Bank store card. This purchase had a promotional rate of 24 months at 0 % APR, as shown in my XX/XX/XXXX statement. 

On XX/XX/XXXX I made a payment of {$1300.00} on my account. The above transaction was the only promotional balance on my account. I had the " standard allocation '' option on my account, which indicated that my payment would first be allocated to the minimum payment on my promotional balance ( {$27.00} ) and the remainder would be allocated to my non-promotional balance, which on XX/XX/XXXX was about {$2000.00}. I intended to have little to no remaining non-promotional balance on my account, due to its high APR.

However, unexpectedly, I noticed two days later on XX/XX/XXXX, that my payment had been allocated almost entirely to my promotional balance. I immediately contacted Synchrony Bank and was told via their representative XXXX XXXX that they would " Allocate the whole amount apart from minimum due to the non promotional balance ... 
It will take 1-2 billing cycle to reflect online. '' I saw no changes after checking my statement monthly since then and have contacted Synchrony Bank via their chat function multiple times to resolve this, and have always been advised that they are working on it, but have seen no action. On the last communication, on XX/XX/XXXX, I was told by their representative XXXX XXXX, Operations Manager that " It should be resolved in 7-10 days ... Totally sorry, That we missed on resolving this accurately. '' I informed XXXX XXXX that I would proceed to contact the CFPB if it was not resolved. 

Upon checking my statement on XX/XX/XXXX, the issue is still not resolved. This is unacceptable as I continue to see interest charges that should not exist, and was never able to take advantage of my promotional purchase. I have continued to make payments as I intended to, as if the promotional purchase was still valid on my account. 

I am attaching the relevant statements and chat logs.
Consumer complaint received 2022-08-09
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. (IL)

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of $ XXXXviolation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and XXXX Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NV)

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my FICA score by more than 50 points.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc. (AL)

Merchant Adjustment Services continue to violate my consumer rights. Under 15 USC 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is very unaware of consumer laws. They stated in a previous complaint that I consent to them having my personal information when I signed into a medical facility Federal law clearly states that I have to give direct consent. They also stated that they didn't use abusive or obscene language. Under 15 USC 1692 ( D ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader is a violation. I said it was abusive, the company cant state what is abusive to me or not. This is why Federal laws were put in place for deceptive practices as I am experiencing what this company. They stated they sent me a letter regarding this matter, I ask that they send it again. Under 15 USC 1692J, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.I 'm pretty this company is not the original creditor of this alleged debt. So, please send me the deceptive form you stated you already sent, so i can have proof you violated me and get my {$1000.00} per violation. Thanks
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

Hello, I am writing to better understand the legitimacy and legality of PMI and the removal process. 

Due the nature of the real estate market in XXXX ( and since XXXX ) home values have soared. And they do not appear to going down any time soon. 

With that, I am wondering why I am not able to take advantage of the current market conditions to remove my PMI. 

If you were to calculate my XXXX today, it would be in the XXXX ( % ). 

My mortgage is XXXX years old. 

My lender, however, will only let me remove it if I pay {$18000.00} toward the principle ( which is impossible given my current financial situation - i.e. just a normal working-class person, first-time homeowner, student-debt having, single-income household, paying $ XXXX for gas for my commute ), or show them proof of having made major improvements to my home ( adding square footage, a complete kitchen or bathroom remodel, etc. ). 

Neither of these is realistic and they know that. I live in a condo and make {$52000.00} a year. 

I have paid my mortgage on time since it's inception and I'm not even really mad about having to pay the PMI. 

It just seems that if the value of my home has increased, whether by my own action ( XXXX ), or by the natural forces of the market, if the loan to value crosses the threshold, PMI should be removed. The lender 's investment is safe -- for them to act otherwise is for them to act naive and ignorant ( and we know they are certainly not either of those things ). 

My $ 120 monthly PMI payment actually represents a fair amount of money for me per month. For a mortgage lender, I can only imagine that this sort of nominal fee is nothing more than pure profit -- it's really not all that different than how overdraft fees used to be. Surely, they serve a purpose and the concept isn't inherently evil or dishonest, but in this instance ( and I know there are many, many other people in my exact same position ), this is a fee that has far surpassed it's usefulness and necessity. It is now simply abusive and unfair to the consumer. 

I look forward to hearing back from you. 

Have a nice weekend. 

Thank you!
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc. (NJ)

AA Recovery Solutions has repeatedly called my number looking for XXXX XXXX. I told him this is not his number. I said he does not live with me and is not his phone number. I would like him to stop calling. He said XXXX gave me your number to contact him. Which is a lie. I am on the do not contact list. I told him this debt is not mine so stop calling. He kept calling one call after another. He is repeatedly calling and telling me i know who he is and he wants to talk to him. This is not my debt and I do mot have to explain anything to a man or company i know nothing about. I also do mot have to give him any information on my living situation or marital status at this moment. I want the harassing to stop.They are claiming its for a business account. XXXX XXXX
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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)

Equifax, XXXX, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4XXXX XXXX service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX
Consumer complaint received 2018-05-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (AP)

Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXXXXXX accounts have violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX