davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-30
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. (TX)

I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
Consumer complaint received 2017-06-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (PA)

The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.
Consumer complaint received 2017-06-30
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. (FL)

I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have sent a certified letter to XXXX XXXX XXXX XXXX. and asked them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NV)

I have a private student loan with Wells Fargo. I took it out in XX/XX/XXXX for  {$6500.00}. I have been accused of 2 late payments, which I was unable to disprove, and accused of approximately 8 missing or late payments that I was able to prove their error. At the start of the loan, I have a federal student loan through Wells Fargo ( with a maybe 6 month overlap ). They mis-applied my payments every month and tried to say I did n't pay. Then harassed me on the phone daily even when their records showed I did pay ( I believe there is already a suit for this currently ). <P/>Of course these late claims allowed them to raise my interest rates to 13.5 %. During XXXX-ish, I spoke to them on the phone 1-2x per month as they continued to " misplace '' my money and accuse me of not paying, then the rep on the phone would say, oh - I see. no problem. I 'd confirm that I did not owe anything, and they would say yes - you do n't owe anything. Its been taken care of. Then the next month, another late charge and I would call back. I NEVER miss payments on anything. My credit history proved that. Of course this also hurt my credit for years. <P/>After paying for years, my balance is still XXXX. In my account history there are actually years of the balance going up instead of down. I have tried making double payments ( one to principle ) but they still only apply a portion of it to the principle. I have contacted them repeatedly. <P/>They do n't even have record of me ever having another loan with them, even though I have hard copy statements and certainly paid them for years until I paid off the first loan. When I mention that, they tell me I m wrong and this is the first loan through them. <P/>Last year I got a notice saying in order to help me repay more efficiently, they altered my auto-payment amount. When I checked, they LOWERED my payment amount ( by only $ 3+ ). I called on it, emailed, and tried to raise it back to what I had been paying ( or even more to help ) and they were kind, like always, but nothing was changed. ( this is when I tried to pay an extra chunk to principle again, and they only used {$75.00} of the {$100.00} to principle - note that they had already received their full payment which should have paid their interest/fees for the month. ) I have paid thousands of dollars ( approx. {$1500.00} per year ) on this loan and I still owe over {$1500.00} MORE than when I started, years ago.
Consumer complaint received 2018-11-19
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: ERC (GA)

XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (FL)

I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery (TX)

I XXXX XXXX have attempted to resolve my defaulted student loans, however, Immediate credit recovery is refusing to process my XXXX paperwork based on me being unable to supply my wife 's income information. I spoke to them in regards to this matter onXX/XX/XXXX( previously as well, sent Rehab docs back inXX/XX/XXXX but never heard back and confirmed onXX/XX/XXXX they were calling an old number ; the paperwork emailed to them had all my correct information on it though ). They are currently garnishing my wages, I have provided them my financial disclosure and 2 pay stubs, for myself, as they have asked. ICR is still seeking to obtain my wife 's income but we file separately on our taxes ( have been and will continue to do ) and she refuses to furnish any income docs as we keep bills/income separate due to her not wanting to be a part of my personal debts acquired prior to our marriage ). I do not have access to her paystubs as she can only access those via online with her secured log ins ; which she is refusing to furnish. My understanding of all the department of eds programs are that because we file separate and she is unwilling to provide me the information, I will be treated as separate. Please review this matter and assist me with the Rehab as I can not afford the garnishment and would like to rectify that by entering into a Rehabilitation with the collection agency. <P/>Originally I had attempted to consolidate out of default inXX/XX/XXXX, that was denied once ICR placed a garnishment 3 weeks after the application was submitted. the garnishment originally should not have taken place as the loans were being paid via consolidation prior to a garnishment ( my feeling is that the XXXX was denied and the garnishment was placed once ICR received notice of the intent to consolidate ; which is unethical and illegal practice ). <P/>Please help me resolve these matters as this is causing undo stress and hardship on myself and children.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (MD)

This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year ofXX/XX/XXXX and  XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
Consumer complaint received 2017-06-29
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. (AZ)

I had 3 Private Student Loans Navient that were included in my Chapter XXXX Bankruptcy Case Number XXXX - The bankruptcy was discharged on X/XX/16. Navient sent a letter to my ex-husband, XXXX XXXX, stating that I was no longer responsible for the loans and they also sent me refund checks for each account for moneys that I had paid. The three credit bureaus have been reporting all three of these accounts as past due instead of showing them included in the bankruptcy. I believe XXXX and XXXX are now corrected because of a previous complaint through CFPB, however, XXXX continues to show them as past due and claims that they have confirmed with Navient that I still am responsible for the loans. I attempted to call Navient twice, however, they said they have no loans in my name and can not talk to me about the loans that are now in XXXX XXXX 's name only. I have attached documentation regarding the bankruptcy, the letters and refund documentation from Navient and my identification documentation.
Consumer complaint received 2017-06-29
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. (TX)

Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

As of this moment in time I do n't have specific dates but on multiple occasions I have been deceived by how many individual loans there are, how much is being payed toward each one, how the accounts are setup, then when I call in and set up my auto payment I am told one thing then another and after setting it up I have to still call back again and again and again to make sure they are processing the payment. Once payment processes it still does n't happen the way it was set up ... the consistent misallocation of funds and waistling of my time ( can only call while at work otherwise they are closed or you have to talk to someone who does n't understand what your explaining ) has stressed me out and caused my patience to drop to below zero. This company is a horrible representation of banking, loans, and customer service! As of this moment in time I will have paid 5x ( or more ) the original inception to pay off these loans. And only 8 years in! All because they misallocate or lie and deceive you so that they make higher profits I.e. Repayment of 150 % or greater. <P/>If you or anyone you know has Navient as their provider I am truly sorry and I hope that you can get out from their tyranny
Consumer complaint received 2017-06-29
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. (TX)

Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MN)

I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

CFPB complaint number XXXX-XXXX  was not properly resolved.

Original complaint : I processed a automatic payment on XX/XX/XXXX for my XX/XX/XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XX/XX/XXXX mortgage payment a second time on XX/XX/XXXX. I then confirmed that my bank made the XX/XX/XXXX payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/XXXX. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

Since the time of that response, I received a call from XXXX XXXX at NATIONSTAR MORTGAGE ( dba Mr Cooper ) on XX/XX/XXXX indicating that the payment/refund has not been initiated.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

XX/XX/XXXX REPORTED TO THE POLICE- WILL FIND REPORT AND DELIVER SOON - WENT TO XXXX XXXX XXXX AND REPORTED IT AND THEN CALLED THEIR THEFT CUSTOMER SERVICE AND WAS  TOLD TO CALL ANOTHER NUMBER THAT HASNT RETURNED MY CALLS IN ALMOST A YEAR. XX/XX/XXXX- I HAVE BEEN GOING BACK TO XXXX XXXX XXXX TO SPEAK TO A REP BECAUSE DEBT COLLECTORS KEPT MAILING AND CALLING NON STOP, I COULDNT SIGN UP FOR SCHOOL OR A BANK ACCOUNT AND I HAD ASSUMED THEY FIXED THE SITUATIONXX/XX/XXXX- COLLECTOR CALLED AND I EXPLAINED TO HIM THE SITUATION HE SAID IT WAS TOO BAD BECAUSE ITS BEEN A YEAR AND THE BANK WANTS IT. I PAYED XXXX $ TO HIM SO HE WOULD BACK OFF SO I COULD REPORT THIS. ON TOP OF THAT, I HAD BELIEVED MY CREDIT CARD AND SOCIAL WAS STOLEN BY A STRANGER ALL UP UNTIL THIS YEARXX/XX/XXXX WHEN I TRIED TO LOOK INTO IRS TO TRY TO FIGURE OUT WHY I DIDNT HAVE MY TAX INFORMATION AND WHY I NEVER RECIEVED MY XXXX. ALL MY INFORMATION ABOUT ME WAS STATED THAT IT WAS WRONG. IMMEDIATELY REPORTED BECAUSE I REALIZED MY EX HUSBAND HAD OPENED A ACCOUNT RECENTLY WITH MY NAME TO XXXX WHICH I CLOSED AND HE HAD TAKEN MY TAX INFORMATION FROM MY MAILBOX AND APPLIED FOR TAXES. WE WERE IN THE MIDDLE OF A DIVORCE AND HE IS NOT A CITIZEN. HE WERE ENGAGED AT THE TIME OF THE CREDIT CARD ISSUE
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Persolve, LLC - Legal - Series 2 (UT)

On XX/XX/XXXX my mother received a phone call from " XXXX XXXX '' who apparently was attempting to contact me. I had not received a phone call, and the individual who called was not only rude and unprofessional, she indicated he disclosed information he should not have. I did contact " XXXX XXXX '' the next morning, XX/XX/XXXX, asking what this was in regards to. He refused to provide me with an address where I could send a request for validation, also refusing to provide further information about the company he was calling from when asked. He would cut me off as I was trying to ask a question, and then proceeded in threatening this account would be escalated to management to pursue. I do not feel any of the communication tactics XXXX XXXX used were appropriate, as I am entitled to request validation, and withholding information such as an address or the spelling of your company 's name is misrepresentation.