davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC. (MI)

On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CB/VICSCRT XXXX
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously disputed XXXX XXXX a collection account on all three credit bureaus the debt got sold to another company and the same dispute for all three credit bureaus and only XXXX removed it from my credit report and not TransUnion or XXXX and they said it's fair credit reporting act if this is the case then why did only XXXX remove it and not TransUnion or XXXX
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Transunion mistakes on my credit report
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I attempted to settle a credit card debt 3-4 years ago. I negotiated with a company trying to collect and the settlement never occurred. Since then several different companies attempted. Portfolio calls on Sunday morning-evenings, several times before XXXX XXXX and after XXXX XXXX. One month they called between 8-12 times a day for over a month. My phone records can verify this. 
This company never leaves a message other than its name. They sent XXXX notices of repayment after months of annoying, continuous phone calls. They are relentless with no respect for the time of day or night or day they call.
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (PA)

I sent a letter to convergent asking for : 1. Validation of the debt -- that is, the actual accounting. 
2. Verification of a signed Invoice 3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

I have been working with loan depot to refinance my ex Sistine loan with them They moved loan to conditional approval on XX/XX/2020 Any additional documents requested were provided. 

I contacted loan depots personal multiple times by email, message and phone. 

I have been given nothing but excuses as to why I havent had my refinance completed. 

My interest rate lock expired as well and they have refused to proceed a new one as well.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00}
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
Consumer complaint received 2022-08-24
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: Santander Consumer USA Holdings Inc. (TN)

I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 SANTANDER XXXX XXXX XX/XX/22 XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I have notified Equifax many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : 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 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 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 XXXX
Consumer complaint received 2020-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

2 issues : 1. ) Fedloan through the department of education is requiring a " wet signature '' of my employment certification form for public service loan forgiveness. In the past this has not been as much of an issue because our organization was not all teleworking due to COVID. Now this is an issue my office does not have the abilty to send it wet signatures. According to several supreme court cases electronic signatures are absolutely valid for this type of documentation especially if I can use XXXX XXXX authentication but fedloan refuses to honor a form signed in this way. 

2. ) Fedloan gives me no way to view how many qualified payments I have made on my student loans through Public service loan forgiveness. The only way to get a tally on the number of qualified payments is through re certifying my employment. I do this regularly because a large percentage of the time they get my number of payments wrong. 

Fedloan and DOE should 1 ) accept electronic signatures for these forms especially if they are federally authenticated and 2 ) provide a way to view how many qualified payments have been made on loans.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (TX)

1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ 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
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : -- -- -- -- -- -- -- EXPERIAN 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 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  In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Consumer complaint received 2022-08-24
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)

XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX Account Number:XXXX Please remove from my public record XXXX - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account Number:XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.