davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On Friday   XXXX   XXXX   XXXX   I contacted  XXXX   XXXX   XXXX   XXXX  to refinance my car loan from  XXXX   XXXX . I submitted an application by phone to  XXXX   XXXX  tele #  XXXX   XXXX   XXXX  x  XXXX . After I gave verbal permission to run my credit and  FICO sco re I was informed my score was  XXXX . This is NOT possible since I just refinanced my home with a FICO score of  XXXX . I explained this and was told this is the underwrites decision. I obtained copies of my credit report & FICO scores on   XXXX   XXXX   XXXX   which showed  XXXX  Experian  XXXX   XXXX  &  XXXX   XXXX . Additionally I sent copies of my credit report from  XXXX   XXXX  who refinanced my home which shows  XXXX  ... see attached docs.   On Monday   XXXX   XXXX   XXXX   I applied to  XXXX   XXXX  to feri at a lower rate. Again I was shocked at what my own bank told me here is what they told me bUT would not disclose my FICO score.    XXXX   XXXX   XXXX  ext  XXXX  Application number  XXXX  Applicant  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  Vehicle  XXXX   XXXX   XXXX   Vehicle I dentification Numbe r ( VIN )   XXXX  Loan type Auto Refinance Amount requested {$12000.00} Amount approved {$12000.00} Interest Rate 11.49 % fixed rate Annual percentage rate ( APR  ) 1 11.929 %  APR Term 48 Monthly loan payment {$320.00} Loan closing date   XXXX   First payment date  XX/XX/2017
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IL)

I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.
Consumer complaint received 2017-04-25
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. (CT)

Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way
Consumer complaint received 2017-04-25
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. (FL)

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  4 s s # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation (CA)

I cancelled a merchant account with  First Data  XXXX   XXXX  in  XXXX    XXXX  . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from  XXXX   XXXX    XXXX   is {$130.00}.   I calle d First Data  on  XXXX   XXXX  this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to  XXXX  XXXX  XXXX . They did not respond. I called again on  XXXX   XXXX  and eventually managed to speak to a supervisor,  XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He   confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning -  XXXX  was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to  XXXX  XXXX  XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that  XXXX   XXXX   does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.
Consumer complaint received 2017-04-25
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: DISCOVER BANK (NC)

This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Naivent  offered me a settlement of {$8600.00} for  XXXX  private loans totaling {$29000.00} Last  XXXX . I paid the {$8600.00} and was told I would receive a lett er in 30 -60 d ays saying 'congratulations on paying off your student loan '. Well I never received the letter and the loans are still open saying I made a payment in  XXXX  but now they are past due. I ca n't get anyone at naivent to fix this for me and Now it 's hitting my credit report every month. I 've called naivent and they repeatedly say 'let me transfer you to the right department and I get hung up on. I finally t alked to one person after three tries and was rudely told I need to contact them by a different number.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Issue : Student loans by   XXXX   XXXX   XXXX   (   XXXX  ) are  being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to   XXXX   who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in   XXXX   XXXX   about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during   XXXX   and  XXXX .
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (MN)

XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (NY)

Carter-Young cont acted me via collection letter stating I owed   XXXX   XXXX   a debt.   XXXX   XXXX   sued me over the debt and possession of an apartment I did not live in in   XXXX    . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of   XXXX   XXXX   for possession of the apartment ONLY but did not rule in favor of the amount being sued for  ( past rent, damages, and attorney fees ). I  have sent copies of the judgement to all three credit reporting agencies for proof with  one rem oving the collections  (   XXXX   ). The  othe r two still  will not remove after multiple attempts.  Carter-Young con tinues to report wrongfully as well. Please see attachments for proof.  Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied.  XXXX  removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff  (   XXXX   XXXX   ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?
Consumer complaint received 2017-04-25
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NY)

Navient has  been reporting the wron g 1st date  of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from Navient to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from Navient should not even be on my credit repo rts. Na  vient has also been past the statute of limitations for NY ( 6 years ). For a long time Navient was  reporting the wrong history and balances of the accounts since day  one,  but that was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (TX)

**This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.
Consumer complaint received 2019-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NC)

Discover bank purchased my student loan from XXXX. I have been trying to get a Truth In Disclosure document from the bank. I have been given the run around by saying that they need to wait for documents from XXXX. My initial call was in XX/XX/XXXX and I have been calling them to check my status since and I have been getting the same answer ever since. I am trying to refinance my loan and I need this document to do it. This is a severe impediment and I am losing money because the interest rates are going up and I am at a loss at what to do here.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (DE)

We had purchased a vehicle with financing through  Ford Motor Credit  for our son in   XXXX  . Since then, our son turned  XXXX  and enlisted with the  XXXX   XXXX , and was stationed in  XXXX . In order for him to get his car shipped to  XXXX  we had to apply for a transfer of equity in order to remove my husband from the loan and add my son so that he would be on the title and registration. That process, though cumbersome, worked. We were told that once the transfer was complete, we just needed to get a letter to permit shipping the vehicle outside of the continental United States. After talking to several representatives at  Ford Motor Credit  we were given conflicting information about the requirements for this permission letter. Initially, they said we would just have to ask for it once the title was transferred. Then we were told we had to obtain special "  XXXX  '' insurance ( which our insurance company,  XXXX , had never heard of ) and provide proof of this insurance, and that we needed to have the specific dates for the car leaving the  US  and an arrival date, which the logistics company was only able to estimate. During our next attempt of getting this permissions letter from  Ford Motor  credit, we were suddenly told that we have to also provide a copy of my son 's military orders. It feels like we are running in circles, chasing your own tail, in order to help our son who is serving this country.
Consumer complaint received 2017-04-24
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. (TX)

My student loan lender is not applying my payment to the loan but only applying it to the interest.     Originally, my student loan was with  XXXX   XXXX  and now it is with Navient. The original problem was while I was in school they would immediately start to ask for payment during breaks and add interest even though I was in school. They never removed the erroneous interest. But now the issue is that none of my payments are being applied to the loan and are only going to interest. That means I will never be able to pay off this loan. When I contacted Navient, they said something about daily compound interest and that I should pay more than the note and that would be applied. That seems illegal to me.     I am finally back at a point in my life were I actually have a steady job and can make payments. When I was unemployed and broke there was no help anywhere. I tried to get a loan modification and was denied. While the loan was on deferment  XXXX   XXXX /Navient would constantly drop it out of deferment and place it on forbearance so they could add interest. And they would not remove the interest they added again erroneously. I now know all this is predatory lending. These so called clerical errors are n't errors at all but a way to steal from the customers.      XXXX  's education did not help me at all. All it did was put me in debt that is impossible to pay. I work in an industry totally different from these loans that I owe.     I am a  XXXX   XXXX   XXXX  Veteran and feel like my country has abandon me. Can you please help me with this?
Consumer complaint received 2017-04-24
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: REGIONS FINANCIAL CORPORATION (GA)

XXXX   is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted  XXXX  before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Bla nk ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

In the previous year, I had an income-based repayment plan for my consolidated student loans through  Navient ( formerly   XXXX   XXXX   ). D ue to unemployment, I was put on a hiatus, where I was told I did n't have to pay on my student loans, but I could pay on my interest if I wanted. By phone, I was told my next due date to pay would be   XXXX   XXXX   XXXX    . In  XXXX , I received an email from  XXXX  stating I had to refile for an income-based repayment plan for the current year. I went online to file at studentloans.gov and they gave a choice : start my repayment on the agreed upon date or the repay earlier. I chose to keep the date I had agreed on earlier :   XXXX   XXXX   XXXX    . They created an application stating I was to start paying in  XXXX . There must have been some kind of glitch in the system. I called  Navient a nd they said that they could not fix the application but I could apply for a forebearance for  XXXX  and   XXXX  . I do n't want to do that because I might need a forebearance for later.  Navient c alls me every day and emails me mildly threatening emails about paying and recently added late fees on my account. I called  XXXX . They 're being shady. The last person I spoke to, who said she was a  manager, said they could not change the application, but I could refile an application for inc ome-based repayment. I am going to do this but I do not feel it will solve my problem. I think t hese two :   XXXX  and navient are in cahoots with  one anot her to get more money out of us. If I am saying it is a glitch, why ca n't they just make an adjustment to my application? If I really wanted to start paying earlier, this would not be an issue.
Consumer complaint received 2017-04-24
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. (GA)

There is a Tax Lien that was filed with  XXXX   County Superior Court t hat is reporting inaccurately on my Equifax Credit Report. I complained about this a few weeks ago and  XXXX  and  XXXX   XXXX  both removed it from public record. However, for some reason Equifax is saying that they verified it through  XXXX   Consumer Center. I work  in  XXXX  and I know that  XXXX  just reports information ... not verify if it 's correct. How can  XXXX  credit reporting agencies remove  it but not the  XXXX  one???