davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
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. (TN)

XX/XX/2018, Experian received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In addition, Collection agency may have committed possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Experian did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Experian when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results on XX/XX/2018 ( I have a copy of my Credit Report XX/XX/2018 In Dispute is not in comments section that day or any other day of the dispute process ). Concluding, Experian did not handle this correctly, when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TN)

My elderly parents ' " XXXX XXXX XXXX MasterCards '' were stolen from their assisted living apartment. I called MasterCard when I discovered this. I provided my parents ' social security numbers, and XXXX confirmed that the address on the account had been changed and that fraudulent charges had been made. MasterCard would not speak with me further without a written power of attorney ( POA ) in their possession or oral authorization from the primary account holder, my father. I explained that my father had just had a XXXX, was partially paralyzed, was on a heavy XXXX regimen, was on XXXX, and could not speak to them. Nonetheless, they refused to speak further with me or to cancel the cards or put a block on the account. Some days later, I faxed them the POA. They advised it would take 3-5 business days to process the POA. I called back 4 days later. They still were not willing to speak to me, saying the POA had not been processed yet, but would be at some time in the future. They still refused to send new cards, change the account number, or otherwise protect my parents ' interests.
Consumer complaint received 2018-07-18
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: Navient Solutions, LLC. (TX)

I contacted Navient to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I am one who filed for loan modifications with Wells Fargo. Due to injuries sustained in a XXXX automobile accident, I was unable to make mortgage payments beginning In XX/XX/2015. From that point untilXX/XX/2017 when I was forced to sell my home of 20 years well under market value in order to avoid foreclosure, I was in constant communication with Wells Fargo and even asked how much earnings I needed per month in order to qualify for the modification. XXXX XXXX, the loan specialist assigned at the time stated, as much as you possibly can, while refusing all requests for a specific answer to my query. Since selling the property I have had tremendous difficulty, having moved 3 times in the past year, completely destroying cherished belongings and relationships along the way.
Consumer complaint received 2018-08-23
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. (TN)

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX-XX/XX/XXXXand XXXXXX/XX/XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TN)

Im a victim of identity theft and have fraudulent accounts that have been opened in my name with a companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for these fraudulent accounts to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed these fraudulent accounts as fraudulent accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There are also fraudulent addresses on my credit file reporting that are fraudulent addresses as well in which, I never resided at the addresses listed. I have those addresses listed on my FTC/IDENTITY THEFT REPORT as a fraudulent addresses as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as a fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (FL)

Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.
Consumer complaint received 2018-08-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/2017 I submitted a dispute to Experian. To this day Experian has not responded or investigated the issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2018-08-23
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: Stuart-Lippman and Associates, Inc (NY)

I worked for a company named XXXX XXXX  that I left employment in XXXX of 2017. In that employment they paid me through a commission draw account. After I left employment with the company they asked for {$2400.00} back of Commission paid through the account and sold it to a collections company ( XXXX XXXX XXXX   XXXX ). I live in New York and any Commission paid through a draw account is Illegal and not a debt. I contacted the 3 credit bureaus and informed them of that and XXXX and XXXX XXXX removed this from my credit report. XXXX is refusing to remove this from my credit report and told me that the collection company has to and they have refused to remove from my credit report violating the law.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. 

On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.

2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 
10 ) Any insurance claims been made by any creditor regarding this account.

11 ) Verification that this debt was assigned or sold to collector.

12 ) Complete accounting of alleged debt.

13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.

On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).

I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.

Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).

Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.

Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.

AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.
Consumer complaint received 2023-02-08
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. (CT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2018-08-23
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. (TX)

Account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX was included in Chapter XXXX bankruptcy filed on XX/XX/2018. Bank responded and filed a claim with the bankruptcy trustee on XX/XX/2018. XXXX XXXX XXXX  has continued to attempt to collect the debt by sending notices to my home and by reporting that we are 30, 60, 90, and 120 days late in payment to the credit reporting agencies. Bank was contacted, situation was explained, Experian was contacted to file a dispute, and still XXXX XXXX XXXX  attempts to collect a debt that is in bankruptcy and that they have filed a claim with the bankruptcy trustee to be part of the bankruptcy payout. XXXX XXXX XXXX is breaking Texas unfair trade practice laws, the federal Fair Debt Collection Practices Act, Texas fair debt collection practices laws, and the Fair Credit Reporting Act. XXXX XXXX XXXX was contacted, given the bankruptcy information ( even though they had filed a claim with the court ) and told to remove the negative information from credit report and to stop sending payment requests to me. They have not corrected my credit report. 

NOTE : I have copies of the statements where they tried to collect I can send at a later date. bank reported 120 days late AFTER I contacted them to STOP.
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (IL)

I notified XXXX ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and Experian ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Premier Holdings (TX)

A woman named XXXX XXXX called me from XXXX and left very threatening voicemails on my cell phone. She claimed to be an attorney, then later a Legal Mediation Company, owned by Premier Holdings group. She claimed there was some sort of nefarious legal mess I was in that was being turned over to XXXX County, City of XXXX, where I lived to a Grand Jury and that I would be arrested, prosecuted, and my life destroyed. She also called me on my job. I do not carry any debts and do not know what this person is even referring to. Anytime I try and call her back she screams and refuses to give me information about my supposed account. Please help me with this situation. I feel concerned that she is crazy and dangerous. She left yet another voicemail with this imaginary case number XXXX. 

Thank you for your help, XXXX
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I completed my annual employment recertification form and submitted it to Mohela on XX/XX/XXXX. Today I checked my account to see if my eligible payments have been updated and Mohela canceled my for certification form and says it was duplicate. I have not submitted another employment recertification form, I do this process once a year to have my qualifying payments updated. I have been on the XXXX program for about 6 years now so I am very familiar with the process of submitting my forms and rectifying my employment. I contacted Mohela today ( 6 XX/XX/XXXX ) and the customer service agent had no explanation for why my form was canceled. He told me he would submit it for review but the process is 90 days to review. If this takes 90 days that would mean it would take over 180 days to process my singular form to which I have no switched employers since XXXX. I simply need my payments updated. For some reason they have listed all my payments since XX/XX/XXXX as " employment not certified. '' However my form I submitted clearly shows my employment should be certified. After doing research online others have experienced this same issue of having the form canceled without notification or reason. Others have cited that after calling to ask for a re-review of the form they have a new entry in the documents received section on Mohela with the date of the re-review request. I do not have that at all or any communication other than a verbal communication that it will be reviewed. If there is nothing in my account that flags attention for review, I don't have faith it will get reviewed. My payment count right now says 44 where it should be updated to account for XX/XX/XXXX to present. That is a huge difference in qualifying payment count. It should be an easy update as all I need to show is that one form because I have not switched employers during that time period or since XXXX. I have two issues here- I have no verification that my request to have it re-reviewed is in effect and secondly I should not have to wait another 90 days when Mohela canceled my form. Mohela should expedite this form as its been in the system for over 90 days already and is a simple one page document saying I am currently still employed at a qualifying employer since XXXX.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

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