davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NH)

On or about XXXX XXXX, I received a letter from American Medical Collection Agency that I owed an unpaid debt to XXXX XXXX XXXX XXXX in the amount of {$110.00}. Despite writing to the Agency asking for proof of the debt, they reported the debt to all XXXX credit bureaus. 

I was surprised to learn of this collection debt after I was denied a mortgage. Upon contacting the company, I was told that I had an outstanding balance of {$110.00}. I was told by XXXX of the representatives that if I wanted to settle this right away, I would have to pay additional processing fee, equaling a payment of {$110.00} which I made on XXXX/XXXX/XXXX, Confirmation # : XXXX ( please see attached ). 

Upon reviewing my past credit report, I noticed that the debt was reported in collection as of XXXX/XXXX/XXXX. Upon further investigation of my records, I noticed that I had previously filed a complaint against the Agency on XXXX XXXX, XXXX, after the credit bureau found that the debt was not valid. 

As you can see in the attached letter from the company dated XXXX XXXX, XXXX, they agreed to close the account and have it deleted from all three credit bureaus. 

From XXXX XXXX to about XXXX XXXX, this item was not being reported with any of the credit bureaus, nor was I contacted by this Agency or any other company about this debt. 

I am attaching proof that this debt was never mine, and in fact the company agreed to remove it from credit report. 

I have paid this company {$110.00} that was never owed to begin with. I am asking that you please investigate the illegal activities of this company. In addition, I am asking that they refund me the {$110.00} that was paid to them on XXXX/XXXX/XXXX. In addition, I am asking that the Agency grant me any other remedies available due this company 's unlawful collection activities. 

Thank you.
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX MUST CONDUCT LOAN REVIEW WITH TRANSUNION AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON TRANSUNION CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency, block multiple XXXX  accounts appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I have repeatedly disputed this information. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Consumer complaint received 2024-08-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GRANITE STATE MANAGEMENT & RESOURCES (FL)

Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (TX)

Navient has places XXXX individual items on my credit report and will not provide the information that is being requested of them in order to validate the loans and confirm the information within. In addition to not providing the appropriate documentation and also reporting to XXXX and XXXX that I have had late payments within the last 12 months. My credit reports also states that navient has managed my account since the inception of the alleged loans which is also inaccurate. Navient has been unwilling to work with me in relation to the matter but has stated that my requests are frivolous in nature. Navient has violated the XXXXFDCPA and FCRA. I have asked on numerous occasions for a validation of debt and somehow they are able to validate the debt with XXXX and XXXX but not me. All communications have been sent via registered mail and I have pointed out each violation, but yet while under investigation, they still report which is another violation. Navient is not compliant to do business within the state of TEXAS and at this point lawfully has no right to report anything on consumer credit reports. Navient is indeed a 3rd party debt collector and has not filed with the state of TEXAS nor do they have a BOND issued by a accredited bonding company. In addition to the items provided above, they have also not been able to provide the wet ink signature for the contract that I have within the company which is an additional violation. Due to the negative derogatory item on my credit report I have been turned down for loans and business opportunities due to the derogatory items that they have placed on my credit report. I request to see the verifiable, valid proof ( an original contract with wet-ink signature on it, copies are not validations ad by law are not considered proof ) I would like for navient to remove each XXXX items from my report based on the information provided above. I also seek damages for the issues and hardships they have caused me for suppressing my credit scores in an effort to get payments from consumers.
Consumer complaint received 2017-11-22
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. (CT)

I have disputed 2 XXXX XXXX XXXX accounts with the credit bureau however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them? I recorded a conversation with XXXX XXXX XXXX with there knowledge and XXXX admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them. If they are still sending electronic codes that does nothing because there is no proof of this in which I 've asked for many times.
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I am a co-signer and I have tried in conjunction with the borrower to have my name removed from a loan I co-signed for XXXX XXXX. The first information we received from Navient was that if 12 consecutive on-time payments were received, we could apply to have my name removed. After that was done, we called back and were told that the following criteria needed to be met : 1 ) finish school ( he graduated in XX/XX/XXXX ) ; 2 ) 12 on-time payments ( done - in fact, has not had 1 late payment since XX/XX/XXXX - 47 on-time payments ) ; 3 ) Be a US citizen - he is a XXXX XXXX  ; 4 ) Be age of majority - he is XXXX years old ; 4 ) run a credit check - not a problem but has been told I can not be released because of a foreclosure on a house in XX/XX/XXXX. I can not understand why a 6 year old foreclosure would preclude the ability to have my name removed as a co-signer since XXXX XXXX has met all the above requirements and has worked at a steady job as an XXXX ( in his field ) for over 4 years. I am asking for help in releasing my name as a co-signer since XXXX XXXX is in a position to repay the loan, has made on-time payments for 4 years, and has a steady income that is twice as much as I make. I do n't understand why a foreclosure that is 6 years old ( that happened when the housing market fell in XXXX XXXX ) should be used against us for as long as it has. I have asked for information and am told since I am a co-signer that I can not help myself and have no rights in the matter. Please help - someone should not have their credit held up by a company when the borrower has the means to repay and has shown good faith that they are making their payments on time. I have read that Navient has a history of not releasing co-signers and since they are not willing to work with us, I am filing a formal complaint for some relief. Thank you for your time.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

National Credit Adjusters or whatever name they claim to be now, leaves a voicemail. Im deaf so I read the transcript. They dont tell me what its about. From what Ive read online about these XXXX XXXX is that they contact you and anyone they think you know. A couple relatives have gotten strange phone calls and Im guessing its them. So, Im putting this in writing now ... 

It is NOT okay to contact me. It is NOT okay to contact anyone else about me. I dont even know what you think I owe you. Send me a letter if you have to, but DO NOT ever call me again!!!!!!!
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Credit Control (CA)

A collection agency called : Continental Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on behalf of a MEDICAL LAB has reported negative information without even informing about the debt amount {$79.00}, which in turn has effected my score about 80 points and effecting my MORTGAGE REFINANCING. So I approached this collection agency and even paid the DISUPTED Balance in order to get the score back but this collection agency is NOT responding to XXXX  enquiry sent to them, although I paid {$79.00} instead they are saying their process is they reply only once a month. Please take action against this COLLECTION AGENCY for harassing me and ask them to RESPOND to the XXXX Query.
Consumer complaint received 2017-11-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NM)

Company calls me three to six times a day even after telling them I can not make payments due to lose of work over XXXX. I admitted that I may not be able to make payment arrangements and may have to file for bankruptcy. I still get called three to six times a day from XXXX to XXXX.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.