davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (SC)

My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Re : erroneous item XXXX XXXX XXXX # XXXX reported by your firm to XXXX . I  have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In late XX/XX/XXXX, we called Capital One to make full payments on four of our credit cards. After noticing for a few days that payments were not going through we call them to make sure everything was fine and they assured us that because it was four accounts that were paid at once it will take some time for it to process. A few more days went by and we still noticed our payment was not being withdrawn from our account so we called again and were told the same thing. On XX/XX/XXXX we received a letter stating that two of  the accounts will be closed because the activity on this account was not consistent with the expectations for account usage. When we call capital one to see what this letter was in regards to they explain that because our payment did not go through due to incorrect account numbers the accounts were being closed ; we explained that we noticed payments were not going through and that we called twice and we were told by them that everything was OK so it was unfair for them to close the account. They suggested we submit a claim for each card requesting for these accounts to be re-open which we did. Capital one did agree to reopen our cards and told us to wait for a phone call it which they ask for more information to then reopen the accounts. We waited and waited and received no phone calls. We called and were told that they tried calling and we didnt pick up. After that I made sure to pick up every phone call regardless if I knew the number or not. After not receiving any phone call, we called capital one and were told that someone was going to call us at XXXX ; after not receiving the phone call I called and was told that the representative that was suppose to call us was currently in a meeting but that they were going to send him an email and attach his manager so it becomes a high priority and he can call us. We were told maybe later on that day we would get a call. We did not receive a call. At this point we were told that due to no one answering the phone they closed the claim and request to open up the cards ; and that we would have to restart the process and submit a claim to see if capital one wanted to accept this appeal and reopen our cards. 
We made our first payment around late XX/XX/XXXX we are now mid XX/XX/XXXXand no one cares to resolve this. We have been trying to purchase a home and this has been holding down my credit score. This is going on 4 months and everyone just passes the bucket to someone else and no one really does anything.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

Out of my dismay, lately I received several pieces of letters from Citi - American Airlines AAdvantage Card ( like the one I attached ) telling me that I have a card with them. Obviously somebody has stolen my identity and opened a card in my name. Even worse, Citi let this happen without any unusual observations. My XXXX email account got hacked over the past few months and I noticed that I received several requests from Citi to activate the card that I did not apply and had never received. How did this happen?
Consumer complaint received 2018-02-17
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. (MD)

I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, XXXX   and Experian is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
Consumer complaint received 2018-02-18
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)

16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXXXXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest of XX/XX/ No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Neiman, Stone & McCormick , P.C. (IA)

XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NV)

Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.
Consumer complaint received 2018-02-17
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: I.C. System, Inc. (FL)

i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
Consumer complaint received 2018-02-17
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: Convergent Resources, Inc. (FL)

i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
Consumer complaint received 2024-11-01
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 : Collection/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
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Consumer complaint received 2018-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Received a letter that the fund will be held until XX/XX/XXXX.

- The fund is cleared from the payer 's bank on XX/XX/XXXX - Account still freeze after XX/XX/XXXX. Talked to a supervisor via phone customer service. Received an answer that the fund will be held for 30 days. The date that the supervisor gave is XX/XX/XXXX - After 30days the fund is still held and the account is still locked.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

This car was paid from the dealership and using a instrument through set off. I did n't hear anything from they have n't sent me anything via mail and additionally they are still reporting on my credit report as the account was charged off. When contacting the company I am unable to get information via telephone or mail. They just keep giving me the run around and no one seems to be concerned about the defamation of character I am experiencing and no one wants to give me. Home loan because of this situation.
Consumer complaint received 2018-02-16
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. (MS)

There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my Equifax report with no explanation. I have disputed this again with no luck. I am demanding that Equifax abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!
Consumer complaint received 2018-02-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (NY)

XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b ) filed by Ocwen Loan Servicing, LLC as servicer for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final  bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XXXXXX/XX/XXXX Received letter from Ocwen Loan Servicing, LLC stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from Ocwen Loan Servicing, LLC stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from XXXX XXXX XXXX. 
-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.
Consumer complaint received 2018-02-18
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. (FL)

I have always had an excellent relationship with XXXX and since XXXX contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on short-term XXXX due to their stressful approach and threats to myself and cosigners. I am on a XXXX  payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to XXXX 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my Transunion report. Is it the goal of XXXX to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.