davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

I was beating by a patient while working in a XXXX XXXX XXXX.my employer to me ER and paid the bills which happen in XX/XX/XXXX.Just XX/XX/XXXX I found a credit report with a medical bill on it and i called the agency and they told me that i own them of which my company told me they paid everything.My CEO ask me to let them known that they are responsible so they should send it to them.They just hang the phone on me.Anytime i called they said i should paid or it will on my credit.Of which i not responsible for it.
Consumer complaint received 2018-05-14
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. (TX)

The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, XXXX  and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2018-07-24
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 (AZ)

I am the co-signer on a Synchrony Care Car credit card. On XX/XX/2018, I called Synchrony Bank about a lot of late payments that have been reported inaccurately to the credit reporting agencies. This has been a consistent problem for me and the person that I co-signed for. The person that I co-signed for, has on numerous occasions, had to call the bank to have the discrepancies fixed. The bank even issued a letter the primary person, which apologized for the errors. However, the bank continues to make the errors and now refuses to fix the errors on my credit report or stop making late payments appear on the other persons credit report as well. I have tried to call to resolve the issues, but I am given a blanket statement that there's nothing I can do without the other persons bank account information! They can't look it up in the system to see that this is a continuing problem and I have spoken to representatives on a few occasions, including supervisors who can not fix the issue.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (PA)

I recently noticed that my XXXX score was impacted due to Southwest credit systems LP reporting inaccurate information on behalf of XXXX, i currently have only one account with XXXX service and do not recall owing XXXX, i will like full validation including billing statements and signed contract. Southwest credit systems has been reporting that i owe {$58.00} dollars.
Consumer complaint received 2018-05-13
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. (NY)

I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One issued me a XXXX XXXX Preferred credit card. They change the minimum payment and can not tell me, nor is it written anywhere in the terms I agreed to how they decide the minimum payment amount from month to month. I contacted them 4 times on XX/XX/18 to try and get an answer from someone, even spoke to a supervisor. He did not help. I began with a purchase that was maxed out. The minimum payment went up as the balance went down. I was trying to figure this out on my own, since they could never help me. It went up {$82.00} on me and can not tell me why or guarantee it says at that amount. I would like you to tell me if it is legal to cause someone an unexpected payment which can not be planned for and causes them to get behind, with no business reason for it. Otherwise, I want you to investigate. Now, before they pass me off as a XXXX who can not read, I am aware that they add deferred interest, past due amounts and fees to the statement minimum payment. I do not understand where they come up with the statement basic minimum payment when none of that extra circumstance applies.
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (NY)

I received a new credit card from Synchrony Car Care ( Synchrony Bank VISA credit card ) when I made a purchase of {$930.00} from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX.I was promised to receive a {$100.00} prepaid card because I had made that purchase of more than {$590.00} with the new Synchrony Credit Card. That original transaction was done on XX/XX/XXXX. Since that time I have contacted the company 's rebate center many times because I have not received my prepaid card. The first few times they claimed to have made a mistake on my address ( not including my Apt number ) and they would correct the error and resend my prepaid card. To date I have not received the prepaid card. The last time I contacted the rebate center, I asked to speak to a supervisor. I was told that one was not available at the time but I would be contacted by phone in a day or two. That did not happen either! I feel like I am getting the 'run around ' by the company and they have no intention of sending me the {$100.00} prepaid card.
Consumer complaint received 2018-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Account Control Technology, Inc. (PA)

I call Account control Technology XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX on and XX/XX/XXXX to get a pay off and the transcripts of my loan where the payment was going and interest. because they are taking XXXX an month out of my check and only haft is showing on credit report. i told the lady i was thinking about getting a loan to ay this off and was told i was not allowed to do that recorded phone call by them. Never received the papers call again on XX/XX/XXXX, to see where the papers was was told by XXXX that i only owed XXXX i asked what i owed and and that is what he said i asked him again and he said yes recorded phone call again by them. XX/XX/XXXX i got papers in the the mail to request a hearing i never asked for these again i called asked again for the interest and payments was told by a supervisor i owed over XXXX dollars. i told her what i was told she put me on hold to pull the phone call said she could not pull it. that XXXX  miss spoke. all these phone calls are recorded but they can not seem to get this one. this call can be used in court. i told the that this company works for the federal government when i told them that they said you would use the federal government. thay are not the federal government but that act as thay are.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 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 an account without my written instructions.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX
Consumer complaint received 2018-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Every time CFPB closes the file without any further investigation with the same practices as Equifax taking the word of a creditor over a consumer, XXXX goes into my consumer file making adverse changes. I do not owe XXXX {$1800.00}
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!
Consumer complaint received 2018-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I needed a better car to go to work. I went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, in XXXX XXXX XXXX XXXX offered me a XXXX XXXX XXXX and it was used. The car was in good shape and we proceeded to do the paper work. I was approved for a loan from Capital One Auto Finance for XXXX dollars a month and for 6 years. The car dealership said I could apply for a lower interest rate after one year and I went for it. I had a great job and I could afford XXXX a month with a high interest rate approximately 26. But when my mother became ill and I had to travel more often to visit and help out with her rent things got complicated. I struggled to pay this car. I called the company several times and they did help by extending my payments, but never with lowering payments or bringing down the interest rate. When my mother passed away I had to step down from work because I had a melt down. I got behing on the payments. I called the company again to lower the payment and this time they helped me with lowering my payments to XXXX dollars. And the interest rate was lowered to 17.92 %. Only {$48.00} was lowered. Capital one also extended my payments for 20 more months. I had no choice but to accept this offer. They said I would fall eventually into repocession. I had no more options.No bank could help me with my bad credit. I feel deceaved from the XXXX XXXX and Capital One Auto Finance. These car loans with high interest rates as high as credit cards are unacceptable and My original loan was for {$15000.00}, open date XX/XX/XXXX, I have paid {$17000.00} in total interest, {$9300.00} total principal paid. Now its in repocession and I feel I should pay them nothing!!!!! not one more penny. This car is mine and XXXX XXXX and Capital ONe Auto Finance take advantage of people. It needs to stop and I want money returned back to me for all the deception these two companies have caused me.
Consumer complaint received 2018-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (TX)

I received an email on XX/XX/XXXX stating that ACS/Conduent would no longer be servicing my loan as of XX/XX/XXXX. That is informing me without prior notice at all. I have not been able to log in to their site to check if my last payment was received nor have I been contacted by any other company to service my loan. We are XX/XX/XXXX I do not want some miscommunication affecting my credit.
Consumer complaint received 2018-07-25
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. (GA)

XXXX- Collection account. {$250.00} past due This is inaccurate, no contract exists ... settled with original creditor, and I want this grave error removed, because it is wrong and against F.C.R.A. law No proof or verification has been forwarded to me, and I did request this, and the law states that I am entitled to it, but you don't have it, so I didn't expect to receive it ...
Consumer complaint received 2018-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX has listed a {$610.00} collection to my credit report. The debt source is accurate, however the balance is not. The final high balance of that delinquency does not match the collection amount. 

I have paid this debt and have sent mail to XXXX XXXX asking about the debt however have not received a response. ( Both electronic and snail ) 15 U.S. Code 1681i states that Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was discharged with chapter XXXX bankruptcy docket # XXXX inXX/XX/XXXX. XXXX, XXXX, Equifax are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Consumer complaint received 2018-07-24
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: EQUIFAX, INC. (MD)

I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged. 
( See Attached ). They change dates and switch names now to Department of Education. The last time attend College was in XXXX. They are still reporting incorrect information.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-05-14
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. (NC)

I am unaware of this high loan on my credit report. I have asked Navient to submit this loan with original signature several times but they have failed to do so. I am getting getting 60 days late on my credit report and I am not late at all. I don't know why I have been making payments all these years on a loan where no one have the original documents. Please submit original documents on this loan with both signatures of me and co signer or close out this loan. The interesting rate on this loan is as high as 6 % and it's extremely high for a student loan. I gave no income and I am going through an medical emergency. The last thing I need is Navient damaging my credit.
Consumer complaint received 2018-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? 

Thank you.