davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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. (IL)

I GOT A LOAN FROM XXXX XXXX AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON EXPERIAN AND 4-9 ON 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, Transunion, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

Experian will not stop unwanted Promotional Inquires after I have filed and opt out sign a Notice oF Election form and I have requested to stop since XX/XX/2017 2017
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 status incorrect
Company: Experian Information Solutions Inc. (PA)

In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX and Experian, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Consumer complaint received 2018-10-20
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. 

Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Southwestern Financial Services, LLC (IL)

they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AA)

On XX/XX/XXXX I received an extremely opaque notice ( see attached ) saying that, as a result of a review of my student loans, the overall balance of the loans had been adjusted upward. The letter provided no additional useful details and did not even provide information on the difference between the new and old balances. In a subsequent call with the loan service provider, Pennsylvania Higher Education Assistance Agency, I was told that the upward adjustment of the loan was the result of a realization, four years after the fact, that XXXX had failed to capitalize the interest on one of my loans. They were unable to provide an exact date on which the capitalization was supposed to have occurred but thought it was sometime in XX/XX/XXXX. On the phone, XXXX was also unable to provide more detailed information about the exact amount by which the loan had been adjusted. Based on my cursory review of the loan history, however, it looks to be a difference of approximately {$10000.00}. I find this to be unacceptable, and frankly think there should be some kind of statute of limitations given that XXXX did not realize its own mistake for more than four years. This  completely calls into question the ability of XXXX to manage student loans and to be a good steward of debt owed to the federal government.
Consumer complaint received 2018-01-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (GA)

I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (KY)

Basically I did n't qualify for the loan, I did n't have no credit history, I had a injury to my XXXX with 7 to 10 XXXX, I was under XXXX XXXX not to make any decisions or sign any documentation. I was young anxious to get vehicle and I already had a vehicle. I was able able to trade it in. Yet with no job or employment they used used old paycheck stub of my prior job was told to tell loan officer that I paid a down payment on the car date of the purchase but I didnt ... The whole loan was fraud I realize I got myself in over my head now my mom is struggling to help me pay for something she has nothing to do with it The amount of the full loan is XXXX with payments of XXXX a month for 72 months Date of purchase XX/XX/2016 XXXX XXXX XXXX XXXX is the lot I purchased and Global Lending is whow financed it
Consumer complaint received 2018-02-16
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. (IL)

I have contacted Experian multiple times ( XX/XX/XXXX being the most recent ) to alert them of erroneous information that they are reporting on my credit file furnished by XXXX XXXX and they have violated my rights by failing to report data that is valid and correct. I made multiple requests under Federal Law asking XXXX to remove erroneous information reported by XXXX XXXX  and to provide me with any physical evidence that is provided specifically a copy of the original creditor contract, which they should used to verify the account as being valid and correct and was told by a representative that they do no have to do this. XXXX  and XXXX XXXX  are reporting that I had accounts with them at a residence of XXXX XXXX XXXX XXXX GA XXXX, ( an address in which I have no knowledge of ) and that I included them in a chapter XXXX bankruptcy filed XX/XX/XXXX, which is also false information as I did not bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the information was certified as accurate by XXXX XXXX  and that there would be no changes to my report as a result. XXXX  did NOT provide and explanation or evidence as to how they are so certain that the information they are furnishing is NOT a violation of my rights.
Consumer complaint received 2018-10-20
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. (MI)

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters datedXX/XX/2018, XX/XX/2018,XX/XX/2018 andXX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. 
XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. 

Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. 

On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. 
On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. 
On point # 4 - Please see below. I was lied to again. 

My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. 

So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. 

And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Peoples United Bank is harassing us by applying mortgage payments late, making multiple suspicious debits and credits that offset each other, and reporting false interest information to the Internal Revenue Service. Peoples United reported to the IRS less interest paid than was actually paid on a XXXX for XX/XX/XXXX. A separate complaint has been filed with the IRS regarding filing the false XXXX. 

Peoples United Bank did not apply a {$450.00} extra principal payment when it was taken out of my checking account on XX/XX/XXXX. Instead it logged a {$450.00} payment on XX/XX/XXXX, then logged a debit for {$450.00} on XX/XX/XXXX, and 15 days later logged the payment for {$450.00} on XX/XX/XXXX. It also failed to process several written requests to increase the extra principal payment from {$1800.00} per month to {$2200.00} per month on the XX/XX/XXXX of each month. As a result the extra principal payment was applied 3 days late, and then applied 13 more days late. When we requested help the customer service representative, XXXX, told us we completed the form incorrectly and harassed my wife about completing the form correctly. She was extremely rude and inconsiderate.
Consumer complaint received 2018-02-15
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: Exeter Finance, LLC. (FL)

To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.
Consumer complaint received 2018-02-16
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 (PA)

For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX credit report.