davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

I applied to consolidate all of my student loans the month before I graduated from XXXX. I also made sure to apply for consolidation once my grace period ends which is an option when applying. Instead of listening to my wishes they went ahead and consolidated half of my student loans ( federal grad plus loans ) immediately, refused to cancel the consolidation, and are not trying to make me pay my loans back even though I just graduated from school In XX/XX/2016 and have 6 months of grace period on all of my federal loans to where I do not have to pay so I can find a job and save. I have fought with them over email and phone since XXXX and they refuse to cancel my consolidation or put my status back into grace period. The other half of my student loans are in grace period since I just graduated but they refuse to listen to me and are making me pay when I can not. My credit will takea hit because I can not pay my student loans. They are going against federal law stating that I do not have a 6 month grace period even though I just graduated.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On/aboout XX/XX/2018, I requested a balance increase on one of my credit cards with Capital One. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/2018, I received a reply denying my credit limit increase based on information XXXX   provided to Capital One ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to XXXX XXXX website and requested a copy of my credit report which does not reflect the information they provided to Capital One ( see attached ). I then paid for a copy of my credit score with XXXX, which XXXX should! refund me, and my score is XXXX ( see attached ). Thus, XXXX has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had XXXX not provided inaccurate and derogatory information. I am including Capital One on this complaint so that Capital One is aware that XXXX is providing inaccurate and incorrect derogatory information about consumers.
Consumer complaint received 2018-05-10
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. (CA)

The most recent contact was XX/XX/XXXX. 
I contacted Equifax about errors of my report. 
First that my name has the suffix XXXX Attached to it which is incorrect. I sent in documents ( birth certificate, drivers license and social security card ) and this was corrected without sending me a free updated credit report. 
Also theres a bankruptcy that I believe belongs to XXXX XXXX XXXX XXXX Which I contacted XXXX XXXX and XXXX XXXX District court about which they gave me supporting paperwork indicating that Equifax did not get the information that they are reporting from them. 
I forward these copies to Equifax in XX/XX/XXXX. Theres been no responds so I sent a XXXX XXXX   Compliance letter disputing th bankruptcy and 4 accounts with remarks : included in bankruptcy. 

I explained that items included in bankruptcy cant be reported to the credit bureaus since they were under bankruptcy, which isnt mine. 

During the time I have been disputing the above items on my credit report my report was not updated within 30 days that I was disputing these items which is a violation of the FCRA section ( 602 ) ( a ) ( b ). 

Despite proof that XXXX XXXX letter states theres a credit freeze on my account for two years Equifax claims to have verified this information with XXXX XXXX which cant be true. 

The items listed on my report with the status : included in bankruptcy should be deleted since thats a reporting violation of the bankruptcy laws and they dont belong to me. 

When I contacted the creditors they could not provide me with a contract with my signature and XXXX XXXX mentioned this account didnt belong to them which Equifax is reporting incorrectly as being delinquent XX/XX/XXXX when it was closed in XX/XX/XXXX. 

Thank you
Consumer complaint received 2018-05-09
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 — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2017-09-09
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. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MO)

The act of cramming is unlawful under section 201 ( b ) of the XXXX communications act. The commission rules say a fine of {>= $1,000,000} for any common carrier that knowingly commits the act of unjust and unproper charges in the provision of telecommunications service. XXXX XXXX XXXX XXXX will be reported to XXXX  and FCC for violation on intake form 208 if not corrected federal law state actions may be brought fourth in federal court of law, or to the fcc commission. Account number XXXX has been unlawfully continuously attempting to collect a debt that is not valid. I owed {$280.00} and was shot on XX/XX/XXXX during which time my phone was disconnected and then terminated, but still charged monthly fees when I had no access along with early termination fees. XXXX XXXX XXXX has collected unjust amounts of reconnection fees in the past and was warned they would be sued if the unlawful cramming continued. When I notified XXXX of credence   account was sent to sunrise credit in attempt to dodge my claims of deceptive business tactics. My phone was stolen during attempted robbery when I was shot and as such XXXX XXXX XXXX refused to send me a new device even tho I paid for insurance and tried filing claim with XXXX. The balance of was {$280.00} from XXXX that I owed after being almost killed in XXXX. My service was suspended and I couldnt use it during recovery but my bill jumped to {$610.00} in XXXX. After complaining in XXXX they terminated me and charged me {$1200.00} which is unjust, and unlawful after being a valid customer for 2 years. I only owed {$67.00} on my daughters mom XXXX and she has had her phone number for 10 years that XXXX XXXX XXXX now refuses to allow to be transferred. This has caused me to stop communications with my daughters mother extreme stress and duress on my life. I have sent letters to credence for disputes, and tried contacting the office of the president.
Consumer complaint received 2018-05-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

I moved out of a apartment and XXXX XXXX aka XXXX XXXX XXXX put lies on my credit I sent all rent receipts, lease, notices etc to prove and had a attorney send a demand letter with court supporting documents showing I don't own and Hunter and Warfield refuse to remove account.
Consumer complaint received 2018-05-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jones Law Group, LLC (OH)

Today a gentleman called my phone asking for myself or my husband to speak about an outstanding debt. I gave him my husband 's number and after a while my husband called to tell me how the phone call went. Apparently it did not go so well because the gentleman was very brash and rude to my husband. They went back and forth about an amount that was supposedly to be promised to paid, and my husband stated that he agreed to an amount of XXXX and they were trying to collect XXXX. I called back to speak to the man and to let him know that we are trying to work with them but we didn't appreciate being talk to in that manner and the man became very aggressive on the phone and repeatedly interrupted me and stated that he was going to mark the file as " refusal to pay '' even though we didn't refuse, we just wanted to find the correct documentation. I feel extremely degraded by this company, they did not treat us like we were human beings and he hid behind the fact that he was doing " his job ''. They did not want to work with us at all. I feel threatened by them.
Consumer complaint received 2018-05-09
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. (AZ)

I am a victim of identity theft. The following collection account and hard inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine, and dont belong to me : XXXX XXXX XXXX XXXX XX/XX/2018and XXXX XX/XX/2018. I filed a police report with the XXXX  County Sheriff s Office in regards to the fraudulent collection account and 2 hard inquiries. The police report case number is : XXXX. I been receiving harassing and threatening phone calls of profane language, threats of arrest and prison. XXXX XXXX is in total violation of The Fair Debt Collection Practices Act ( DCPA ).
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED. XXXX XXXX XXXX, XXXX is reporting a collection account to all XXXX of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have never received any correspondence from XXXX XXXX XXXX, XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (NE)

On XX/XX/18, I received a call about a {$200.00} debt that I apparently owe. The details were not clear to me, and I never received a written notification about the debt. The man only identified himself as XXXX from XXXX XXXX. The next day, this same person called my father. He said he was with XXXX XXXX and implied I had a financial issue, leading my father to contact me. It was illegal for XXXX XXXX to contact my father as XXXX XXXX had already made contact with me. Additionally, I never received any sort of written notification.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (CA)

I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eltman Law, P.C. (TX)

Who is XXXX? This company attempted to sue, garnish bank account and is now taking my money. They claim they purchased this debt from XXXX but will not provide proof. I need copy of proof that I owe these people. I need a copy of the transfer of debt from XXXX to XXXX. I am uploading copies of documentation where are companies sent me letters regarding this debt. Why are there so many different companies attempting to collect on the so claim debt purchased from XXXX but refuse to provide proof. They all are in violation of FDRCA and FCRA. Please help to rectify this problem. They also tried to garnish my bank accounts ( see attachment and contact my bank for proof ).
Consumer complaint received 2017-09-09
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. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.
Consumer complaint received 2017-09-09
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. (CA)

My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.
Consumer complaint received 2017-11-14
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. (OH)

I am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not remove it.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NJ)

On or about XX/XX/XXXX, I called the number listed for this account on my XXXX   credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX  and again was not able to get information to verify this debt.

I am in the process of purchasing my first home and this collection item is hindering/impeding my progress.

Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Services is attempting to collect monies owed to XXXX XXXX XXXX for cellular services ( {$700.00} ) which were discontinued in XX/XX/XXXX. At the time that I discontinued service, I had two phones on installment plans which do require a payment to fulfill the terms of the agreement with XXXX XXXX XXXX. On numerous phone conversations over the last year, I have requested an itemized bill detailing the charges to demonstrate that the money they are indicating is owed, is actually owed. It is my belief that there was an extra month of cellular service added to the bill for which I was not using the service. Since I was not under a contract for the service, there are no early termination fees or requirement to pay out the service to the end of a contract period. 

Sunrise at one point sent me a bill with only the total owed, not an itemized bill as I requested and is my right. Sunrise stated they did not have the information on the itemized charges and returned the account to XXXX XXXX XXXX for verification purposes. To date, I have not received the requested verification of the debt in an itemized bill, however, when I checked my credit report, I identified a derogatory collections account related to this matter. As I have asked numerous times for an itemized bill detailing the charges applied by XXXX XXXX XXXX in order to verify the debt was accurate prior to paying which have not been provided by the company, it is my understanding that the reporting to the credit agencies as a delinquent collections account is not only erroneous but in violation of the FCRA. 

I am requesting through a more formal process for the company to provide me the ITEMIZED charges with the total amounts owed for each phone and the charges that are included for service charges, to include dates of service for any additional charges. Once that is received, I will have the ability to verify that XXXX XXXX XXXX was not overcharging based on the date of transfer to a new cellular provider and I will be willing to pay what is actually owed. I am also requesting the the negative marks/reports on my credit report be removed as this has been detrimental to my ability to receive a mortgage prior to interest rates rising. As is demonstrated through my credit report, I have not had any negative accounts for years, and due to the failure of Sunrise and XXXX XXXX XXXX to comply with the written verification of the debt requirements of the FCRA have now experienced harm to my credit rating.