davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
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)

This complaint is for XXXX and Equifax. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX XXXX site on XX/XX/XXXX that they would do. The exact language was " XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XX/XX/XXXX, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against XXXX and Equifax at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with XXXX, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.
Consumer complaint received 2019-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I have my student loans through " XXXX XXXX XXXX '' and two times now they have moved me into forbearance / deferment status without my approval. The first time I was in deferment for at least 6 months before I noticed. For years I was paying my bill electronically out of an account I do not pay much attention to. One day I happened to notice that my student loans stopped coming out. When I inquired about it they would not respond with a reasoning. They can not tell me why i was in deferment. However, in that time i did accrue interest and my balance only increased. 

This morning I received an email ( something I did not last year when it first happened ), and this email said I was approved again for forbearance / deferment. Again, i never asked for it and they just put me in there with no explanation. 

I am trying to pay down my student loans, but when this company puts me in deferment with no explanation, no reasoning, no advanced notice - I can not get out of debt. This is a scam, they are wanting me to defer so i increase the interest I owe and i extend my payoff period. I need them to stop putting me in deferment. But more importantly, this must be investigated to find out how many other people they are doing this too. Surely they are not just picking on me - but rather this is a practice they employ.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

Billed by Monterey Collections {$420.00} OPENED ON CREDIT REPORT XX/XX/XXXX. ( 3 yrs 8 mos ). 

Total billed by XXXX XXXX XXXX on XX/XX/XXXX to me Full balance {$330.00}. 
I payed {$99.00} the day of order, leaving a balance due of {$230.00}. 

I owed {$230.00} NOT {$420.00}. 
Monterey Collections refused this information. They will not budge. I contacted XXXX XXXX XXXX they said it would be taken care of. 

Monterey Collections is argumentative and carry a extreme righteous behavior. I have disputed this with XXXX. I have tried to pay my part of {$230.00} based off my XXXX XXXX XXXX INVOICE. One person is handling this account and will not BUDGE. 
1 DERAGATORY Mark opened on XX/XX/XXXX by MONTEREY COLLECTIONS remains to this date ON my XXXX Credit Report XXXX XXXX {$420.00}.
Consumer complaint received 2019-05-18
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. (OH)

This complaint is for TransUnion and XXXX. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX  XXXX site on XXXXXXXX19 that they would do. The exact language was " XXXX XXXX between XXXX XXXX, 2019 and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XXXX/XXXX/19, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against TransUnion and XXXX  at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with TransUnion, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This is the third time I have attempted to resolve this charge that is not mine. XX/XX/19 the company told me within 30 days the charge would be changed on my credit report. XX/XX/19 the company said they sent a letter to the original lender ( which I dont recognize either one of these companies therefore I suspect fraud ), however nothing has changed in the past three week. This is my third attempt to resolve this. Midwest Recovery Systems sent me something in the mail to file fraud but it required me to write all my information including my social security number. Tell me, why would I send a paper with all my information to a company a suspect is committing fraud against me? That doesnt make sense AT ALL. I demand this debt be taken off of credit report. I know there is no evidence that this debt is mine because I have never even had contact with this original lender. I will continue to report this until it is resolved.
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I was charged {$2500.00} on XX/XX/XXXX at XXXX for a service that was never recieved called XXXX to XXXX. XXXX refused to provide the service due to " not having a valid ID ''. 

I was then prompted to show my Chase debit card to receive an instant refund that should have showed back to my balance within 24 hours. But the funds never were refunded back to my card, so I disputed the transaction with Chase.

Chase denied the claim because " my pin # was used in the transaction '' which has nothing to do with anything. I am not claiming my card lost/stolen, simply that I did not receive the service I paid for, nor did the funds get refunded back to my Chase account.

Chase also closed my account because somehow disputing the transaction was " a security risk '' and so now I am out of {$2400.00} and I also have no checking account. 

Thanks Chase.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

I have been trying to get validation of the debt and all I keep being told by company that it is valid and I advised the company that I was a victim of Identity Theft and I needed validation. I disputed with the credit reporting agencies and the credit reporting agencies have my identity theft packets. XX/XX/XXXX-XX/XX/XXXX XXXX {$260.00}
Consumer complaint received 2019-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Spoken with Capital One via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (NH)

On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. 

I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services has placed a delinquent account on my credit report that depicts the wrong information. The account XXXX XXXX XXXX XXXX was incurred in XX/XX/XXXXand this collection agency is stating on my crit report it was incurred on XX/XX/XXXX. 

This reporting is in error and I ask that the matter be handled accordingly. 

Further, I want to verify that legally this account should be removed from my report 7 years from the DATE OF ORIGINAL CHARGE. 

Thank you.
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA ()

I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.
Consumer complaint received 2019-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (FL)

Simple by BBVA is removing Bill Pay. As an online only bank this will cause great stress on customers to be able to pay bills electronically initiated by the bank. Many if not most banks have a bill pay service, it allows their customers to make payments to many billers from a single location. 

Simple has had this Bill Pay service for a long time and removing it will leave many unable to pay their billers who may charge for initiating it from the biller side or they require a physically mailed check. Now Simple has started allowing checks to be written against the account, which was not possible before, but this will add burden and confusion to customers who have not done this prior. 

Simple Bill Pay system is unique in the sense that once the transaction posts to the account a customer can add notes for tracking, spending from a goal/expense or categorize. All these things are built around Simples integrated website and budgeting tools. Removing Bill Pay creates a gap where customers can no longer see all in one place all the funds that will be leaving. Instead now it would be up to each biller when to pull the funds.
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX   {$3300.00} XXXX XXXX XXXX {$120000.00}
Consumer complaint received 2019-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

My Paypal account was closed sometime last year and I need a statement from Paypal showing the exact date it was closed by them and if the account was ever linked in anyway shape or form to another Paypal account, email is XXXX. I need this information in a PDF file format, it is needed for an ongoing dispute I have with XXXX XXXX.. Their rep stated my account was linked to that email which I do not believe it ever was and how they would get such information since it is private and not something they could obtain.
Consumer complaint received 2019-05-18
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: EQUIFAX, INC. (MO)

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2  ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/2016 4 ) U.S Dept of ED Direct XXXX XXXX XXXX ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FACTUAL DATA CORP. (OH)

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Consumer complaint received 2019-03-04
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. (VA)

XXXX XXXX is on my two other credit reports as charge off which is Transunion and a XXXX. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys XXXX and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX balance on XXXX and Transunion report because it hurting me and this all happen due to someone fraudulent information on my report
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FACTUAL DATA CORP. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (KY)

I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX  my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on XXXX different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.