davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as Self-attestation letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2018-03-10
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. (CA)

I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.
Consumer complaint received 2018-07-17
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. (IL)

I have disputed for months on getting 3 bankruptcies removed from my report and send in proof of being a victim of identity theft and the company still refuses to delete. Account number # XXXX, # XXXX, # XXXX. XXXX  and XXXX  have deleted this information with the proof sent in, but experiean keep illegally reporting this information. I want this deleted as soon as possible so i can comtinue working on my credit that somekne came along and destroyed. My report number with ftc is # XXXX.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX  today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.
Consumer complaint received 2018-03-10
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. (CA)

I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

The bank is charging me a {$36.00} over draft fee dated XX/XX/2018 where as I had opted-out for them to reject all charges if there is NOT sufficient fees to cover the charges weather they were NON-occuring or non re-occuring ... I had told them to opt me out and complete reject all.

I have this RIGHT as a consumer ..per federal law so banks do NOT prey on me and continue to charge these BOGUS fees..

I had made it very clear ALL transactions to be rejected if there is no fee to cover them and I had made very clear I want to be OPTED-OUT and not in ...

I have called the bank and they tell me they see the opt-out for atm transactions but do NOT see opt-out for the check or re-occuring transactions ( CHA 's ) which is completley bogus ... .I want opt-out of all ...

why will any one opt out of atm transaction fees which is the most convinient for the consumer ... yet opt-in for the check or CHA transactions????

I want to be fully opted out for all and I want the {$36.00} revesred as I do NOT have to pay for the banks mistakes!
Consumer complaint received 2018-03-10
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. (CA)

I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (TN)

I called PMAB LLC to ask for verification on an alleged debt they claim i owe. The first representive was very rude said she been there five years and said this is what she does. I asked if the calls were being recorded she said always. The fact you will allow ride people to adress consumers in that manner is baffling. You would not want consumers calling you on that tone. I asked how did you verify the account was mine. She said because we have an itemized statement saying so. Excuse me? Just an itemized statement? That's how you verify an account belongs to somebody? So i was transfered to a supervisor by the name of XXXX XXXX and she said said the same thing. They just collect a debt. Well if you are collection a debt, you should have contact info for the company you are collecting for. She said they don't have that. Then how exactly are you verifying the information given to you? Sounds like fraud The representive already said she had multiple XXXX XXXX in her files. Well how are you 100 % sure it's mines?
Consumer complaint received 2018-03-10
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. (GA)

I disputed inaccurate information that was on my credit Report with Transunion and XXXX almost XXXX months ago with XXXX XXXX Account # XXXX Late payments that was incorrect XXXX gave them 30 days to respond and they don't so XXXX send me paper work that it was verified that I had No late payments so, Two weeks later XXXX Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact Transunion and XXXX.Thanks
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.
Consumer complaint received 2018-07-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been writing Portfolio Recovery Assoc., for over 2yrs regarding a CC from XXXX XXXX that is not mine. I have also written the 3 credit bureaus, the Dept of Justice and the Attorney General with, *Identity & Fraud reports, *Copies of my personal DL # & SS Card proving the information they have listed is not mine.

*And a letter from XXXX XXXX themselves stating the account was fraudulent.

Now, PRA has sent a letter stating the account info they purchased from XXXX XXXX has a different account number than the account number listed on the my letter from XXXX XXXX. They are stating that they have stopped all collection attempts while they do their own investigation but I am requesting that this information is removed immediately with the proof that I have.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I am filing a complaint as XXXX XXXX XXXX have not sent me proff of my obligation of the alleged debt as requested and continue to report to the 3 major credit bureau. XXXX XXXX has continued to ignore my request for validation and ignore my consumer rights. In their response that they verified the item as accurate but has failed to send me a copy of the documents used to verify the disputed account. Account # XXXX sent certified letters on XX/XX/2017 and XX/XX/2017
Consumer complaint received 2018-07-18
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. (IN)

I contacted Trans union customer service on XX/XX/2018 after looking over my credit report and noticed that there where several inquires that I had not recognized nor given permission to inquiry about my credit report.

After explaining to two different customer services representatives that there where multiple discrepancies they refused to be at any assistance and refused to remove the inquires and stated that they do not hurt your credit score.

The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   As well as multiple promotional inquires that I had never given permission to inquire of my creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. 

Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. 

Can you please assist? 

Thanks, XXXX XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (PA)

This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX  and I have copies of those letters.
Consumer complaint received 2018-03-10
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: Credence Resource Management, LLC (MO)

After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing , Inc . 
Loss Drafts Department XXXX. XXXX XXXX XXXX, OH XXXX I am getting the runaround from the Loss Drafts Department at Select Portfolio Servicing. We had a fire back in XX/XX/XXXX. The total amount of the claim was {$160000.00}. The first two payments were made relatively quickly. The last payment was delayed a bit but not too bad. I requested the final inspection on XX/XX/XXXX. This is the inspection that shows the insurance related work has been completed. I was told that someone would contact me within 6 business days to schedule the final inspection. It is XX/XX/XXXX and I have still not been contacted. I spoke with SPS as well as the company who handles disbursements and the inspection scheduling, XXXX, and was assured I would be contacted. In the meantime, the work is done. They are sitting on {$25000.00} which is owed to the contractor, and I shudder to think how long it will take for them to send me the check for the hold back depreciation, once the insurance company sends that to SPS. 

It is now XX/XX/XXXX, 1920 business days have passed, and I have yet to be contacted by anyone. I was told on Tuesday, XX/XX/XXXX, that I would be contacted within 72 hours. It didnt happen. 

This is outrageous. The work on my house is complete. Im getting invoiced by the contractor and I am waiting 20 business days on top of XXXX knows how many more days after that to have the funds released after the inspection has been completed.
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (TX)

I borrowed {$20000.00} from sallie Mae and I have paid {$350.00} a month for over 10 years and I owe them over {$35000.00} more then I borrowed. Even though I have been paying them. Sallie Mae gave my account to Navient without my consent. I am a XXXX XXXX and I tried applying for a XXXX XXXX forgiveness loan with the Department of Education, but the Department of Education denied it because it is a private, which I never knew it was a private loan until I applied for the XXXX XXXX  forgiveness program. They were deceitful and never disclosed it to me.
Consumer complaint received 2018-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

Today my boss recueved a fax regarding garnushment of my wages. 
Navient my daughters lender, which is under a consolidation ATM, has begun harassing phone calls ( 10 or more a dayHome phone 5 a day on Mobile ), faxed my employer about wage garnishment and will not stop when reuested to STOP. They have simply increased agression since stopping calls to my daughter. My dughter is enrolled in a program to handle debt, taking steps to settle. These calls are unending and aggressive. 
They have more resources than the consumer and fear they will take my already limited resource.