davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (UT)

XXXX XXXX XXXX is saying i owe {$3800.00} to XXXXXXXX XXXX XXXX XXXX. i was never informed about this debt and i believe it to be fraud. i have never been contacted by them or anyone about this debt. Im trying to get all my debt dealt with and gone. I was unemployed for over a year and i just got a job and im working really hard to get all of this dealt with so i can get a loan.
Consumer complaint received 2018-06-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX  XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?
Consumer complaint received 2018-06-05
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)

I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX My loan was in forbearance at the time
Consumer complaint received 2018-06-05
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. (TX)

I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AmeriCollect (WI)

Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (AZ)

XXXX XXXX owned my mortgage load from XX/XX/XXXX to XX/XX/XXXX. They then sold my mortgage to Homepoint Mortgage. My loan number is XXXX. I got a notification from my credit monitoring company, XXXX XXXX, that Homepoint Mortgage has put a delinquency notification on my credit. I paid a mortgage payment on-line over and above my mortgage amount on XX/XX/XXXX. I've never received any paperwork showing any information on my mortgage from Homepoint, i.e. payment due, mortgage amount due, etc.
Consumer complaint received 2018-06-04
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. (LA)

After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I only made 2 transfers beginning with XX/XX/XXXX. I transferred exactly XXXX over to my checking which then the balance was XXXX. 
My savings was XXXX and sum even number like XXXX. Exactly When I went to make the XXXX transfer which was today for XXXX to pay my bills they told me my savings balance was XXXX even after 3 people admitted something was wrong they then transferred me from Fraud to Comprimisr who then lied and tried to keep it stolen by lieing even further after the previous three admitted to there being a problem with the missing funds that just somehow went unaccounted for.
Consumer complaint received 2018-06-04
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. (LA)

After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.
Consumer complaint received 2018-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and Transunion are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Risecredit, LLC (OH)

Rise claims that I inquired them. They are payday loans and that is against my religious values. I never inquired as they claimed. Perhaps once when I didn't know what they were but not more than once. They claim I do it all the time. This feels like a way to destroy my credit report so that I have to rely on them, which is very disheartening.
Consumer complaint received 2018-06-04
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. (NC)

In XX/XX/XXXX, we filed a complaint against XXXX XXXXXXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Consumer complaint received 2018-06-05
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)

I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TN)

XXXX XXXX XXXX sent my accounts to collections to XXXX, even though I was regularly paying. XXXX  robocalls me every 2 hours, starting at ~XXXX going through XXXX or XXXX, asking me to call in. I have called and asked them to stop months ago but they have not. They also spoof their number with other local numbers.
Consumer complaint received 2018-04-29
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: National Credit Adjusters, LLC (TX)

I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.
Consumer complaint received 2018-06-05
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. (TX)

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

I purchase a used car at a used car lot. Santander Consumer USA was the only agency that would lend me the amount I needed XXXXXXXXat 25 % interest. Once I got on my feet and able to make the necessary payments which I did I needed to refinance the loan. they say they do not allow refinancing. 7 years later after making all my payments I still owed XXXX XXXX. I finally went to XXXX XXXX who accepted the trade in of my XXXX XXXX XXXX with XXXX miles on it for XXXX XXXX Santander is a predatory lending company and took advantage of me and my situation to make a profit. I have paid XXXX XXXX for that car over the last 7 years. I am finally out from under the car. Thank XXXX. What a mess! I have heard about all the class action lawsuits. I should of been a part of them. How do I go about getting some of the money back for the predatory lending and the harassing collection calls when I did fall behind? 

They also front loaded the interest which kept my balance owed extremely high.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (VA)

I recently realized that a collections agency is reporting a debt on my credit report. 

The collections agency is called " EOS CCA '' and the " original debtor '' is XXXX. The collection was reported on XX/XX/XXXX in the amount of {$670.00}. 

I have been trying to get information from XXXX and in speaking with them, I was told that this debt was included in my prior bankruptcy. ( The acct number XXXX 's bankruptcy dept gave me is XXXX however I was later told by another XXXX rep in their credit reporting department, that this is not a valid account number ). 

I have already disputed the debt with XXXX  which resulted in a verified debt. 

XXXX however says that they have " escalated '' this issue but I have yet to hear back from them and it has been 3 weeks since I first initiated contact w/XXXX. I have left messages each week to have the supervisor call me back that I first spoke with at XXXX. She told me 3 weeks ago that she would get back me but she did not. I called her again onXX/XX/XXXXand left a message ( did not hear back ) and I called her again today ( XX/XX/XXXX ) and left another message. 

If I truly owe this debt, then I need to get it paid and off of my credit report however if I do not, then I need it removed from my credit report. However I have no statement from the collections agency nor a bill from XXXX and XXXX does not even seem to be able help me and they are the source of the debt in the first place.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

Attempting to be added to the current Navient class action CFPB v. XXXX XXXX, Navient Solutions , Inc., and XXXX XXXX XXXX XXXX. ( collectively defendants ). 

Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below ( Loan type, school attended, original amount, principal balance : 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 TOTAL OUTSTANDING BALANCE OF LOANS THAT NAVIENT SERVICES : {$7000.00}
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Consumer complaint received 2018-06-04
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: Convergent Resources, Inc. (MS)

I found this item on my credit report and I do not recognize this company and have never done business with this company. I disputed this account with them directly and I did not receive any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PMAB,LLC (NC)

PMAB is a collection agency for XXXX XXXX XXXX XXXX. This was filed on bankruptcy and yet it is still on my credit report. They have copies of my discharge date but still are trying to collect.
Consumer complaint received 2018-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation (LA)

First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with  my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for XXXX
Consumer complaint received 2018-06-05
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. (OH)

I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX   have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.
Consumer complaint received 2018-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.