davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (PA)

1st I was scammed by XXXX XXXX XXXX and then Sallie Mae and now you Navient. Since XXXX XXXX XXXX broke the law, and admitted to it during the proceedings of their class action lawsuit, former students are entitled to apply for a Borrower 's Defense Discharge, which makes them eligible to have all their related student debt wiped out.class-action lawsuit filed on behalf of 2,200 students at the for-profit cooking school is on its way to settlement, with XXXX XXXX XXXX. I have been paying on my school loans {$500.00} a month for 13 years. 

This is ridiculous. I received an email from you guys in XXXX stating that no payments would be due until XXXX which is aparently a lie because my account is now thousands of dollars past due. I have had enough and him financially burdened and can't do this anymore the hardship is overwhelming. I can not make another payment and will be filing bankruptcy if I need to. I believe all my loans should be discharged and considered paid and full. I have been paying for 13 years and this is enough. 

Technically speaking this should have been gone a long time ago with all the lawsuits that both Navient, Sallie Mae and XXXX XXXX XXXX have ancured. But you are the one who most recently screwed up my account with this covid stuff and the no payments due till XXXX. Start by adjusting and fixing the mess you made from this year and then we can finally talk about the rest. I would be open to a small settlement to clear this without lawsuits proceedings hearings and all that XXXX. Once you get the account current I'm sure we can come up with something. I will keep an eye on my account for It to be up to date. 

But the information is not acceptable. The original in my I received said that the loans would not be due till XXXX and were not made clear that this was not for all the phones. I even received an email as early as a couple days ago that said no money was due and XXXX balance. Please fix this issue to make the account 's current or you will not see another dime from me ever. I will still be keeping an eye on my count for the changes to be fixed.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

During XXXX and XXXX I was seeing Doctors at XXXX XXXX affiliated office in XXXX. I was told by my insurance " XXXX XXXX '' that I am covered with just a co-pay. 

At the doctor 's office, the receptionist sometimes would accept my copay and sometimes would not and say I'm okay. Later I received bills and I disputed. However I was still receiving bills. 

in XX/XX/XXXX I was diagnosed with severe XXXX  and XXXX. I still had insurance and was covered with short-term XXXX provided by NY Life insurance . It was an insurance at my work on top of United healthcare. 

In XX/XX/XXXX my XXXX became severe and my mother who is XXXX XXXX XXXX thought if she paid some of my bills I would feel better. My mother convinced my sister to pay some of my bills. At the time the only bills I had was from XXXX XXXX. So we wrote a check to XXXX XXXX for around {$750.00}!!!! And they cashed it and I have the proof. Event hough the charges were bogus. 

On XX/XX/XXXX, I received XXXX letters in the mail by DESIGNED RECEIVABLE SOLUTION. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On same day, XX/XX/XXXX I sent back the collection notes with my own notes added that charges are bogus. My insurance had paid XXXX XXXX. Furthermore, I am on low income right now and can get approved by XXXX XXXX for their low income program. 

Today on XX/XX/XXXX, I received an email from XXXX. My credit scores has dropped XXXX points!!!!!! 

This is literally will ruin my life because I am about to start a driving school for teens and adults and with low credit scores I can not finance my business and livelihood. But most importantly the CHARGES ARE INVALID! 

And I received no correspondence from the collection agency. So XXXX XXXX can ruin people 's lives by admitting false charges and collection agency can ruin my credit just like that with false charges?! 

Please help me and I think Designed Receivable Solution should have their license to do business revoked. The charge is for over {$200.00} and my credit score was dropped over XXXX points. A score I that I worked all my life to keep at over XXXX. 

I have already disputed this with XXXX too but I can't afford to have this on my record. 

I really appreciate your help. You are doing a great great great work for working class people in this country and you save families. 

Thank you
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

Dear Sir or Madam, I noticed that I have had a medical debt back in XXXX. That time I was outside of country ( due to medical issues, I can provide proofs that I took a leave of absencefrom university ). I did not get any letter from the hospital. My ex-roommate did not not even get a letter from them. 
When I got back in XXXX, I moved to anothet house. I had no idea about any debt and i didn't get anything from collecter. I just saw the mark on my credit report, I called the hospital and collector and I paid for it last week. 

They said it would be removed from my report. But it's still on my record! It's affecting my credit score and my life. I've been always good with my credit history.
Consumer complaint received 2022-04-12
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-12-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

When I was XXXX me and my mother abruptly had to move. We were tasked with finding somewhere to stay within days. We had to pack up a 2 bedroom apartment alone and find another one in less than a week. Luckily we found another apartment complex that was a last resort but we had no choice but to move there, they told my mother that she didnt has housing ( even though she did ), the manager would quite literally sneak us in when " her manager wasnt there '', we didnt understand so we proceeded, I was required to be placed on the lease as a resident because I was XXXX which was fine, the leasing agent brought me documents to sign, so I signed them and we could move in, now I have over XXXX dollars worth of debt in MY name because I was UNKNOWINGLY PLACED AS A CO-APPLICANT instead of a RESIDENT LIKE I WAS TOLD. This is unacceptable and i cant move into my own apartment with false property debt preventing me.
Consumer complaint received 2023-01-12
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)

On XX/XX/2022 I submitted request for XXXX to remove this incorrect reporting from my credit. XXXX sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX credit card # XXXX opened on XX/XX/2022 with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/2022 I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names, numbers and addresses that are not mine, and that is not correct. I wish to get this resolved immediately.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with zero balance. Its very clear that some technical glitch from the company side caused these problem and XXXX is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Consumer complaint received 2022-12-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-29
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. (PA)

I put a fraud alert or freeze so no one can access my file. Yet I have inquiries listed that are not mine. I called those companies and they have no information of my identity on file. I want these credit inquiries remove. They are not correct. I can not access my credit file either. I have to go through credit karma. I should be able to access my credit file at any time. 


I want these inquiries removed as I didnt apply to any. 

XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + Utilities & Fuel XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  Card Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-10
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX has listed ACCOUNT ABUSE ; NON-SUFFICENT FUNDS on my Chex Systems file, dated XX/XX/year>. To my knowledge, I have never had ACCOUNT ABUSE ; NON-SUFFICENT FUNDS with XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CT)

XXXX XXXX international sent me a letter about owing {$1100.00} to PayPal. My PayPal account has no negative balance, and its likely someone opened an account in my name. PayPal agreed that my account is not in arrears.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for XXXX and Experian to verify.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX  points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with Experian on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the Experian employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.
Consumer complaint received 2022-07-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I NOTICED THAT THIS COMPANY MAY NOT BE IN COMPLIANCE WITH THE TRUTH AND LENDING ACT AND REGULATION Z OF THE FEDERAL RESERVE BOARD. I SENT THEM DOCUMENTS ABOUT THE PRICE THERE CLAIMING I OWE IS INACCURATE. I ASKED THEM TO PROVIDE THE APPROPRIATE ACCOUNTING RECORDS ACCORDING TO GAP. THIS COMPANY HAS FAILED TO PROVIDE THE DOCUMENTS REQUESTED. THEY HAVE BEEN THREATENING ME WITH HARASSING PHONE CALLS, THEY HAVE SENT OUT TOW VEHICLES TO REPOSSESS MY TRUCK. I HAVE BEEN RECEIVING HARASSING EMAILS AND LETTERS IN THE MAIL. THEY ARE CLAIMING I OWE {$20000.00} WHICH IS IMPOSSIBLE BECAUSE I GAVE THEM A DOWN PAYMENT OF {$10000.00} IN CASH.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : 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 an account without my written instructions.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.