davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (CA)

Receive constant threats from so many different companies about student loans that I can't keep track. Recently I received a threat from XXXX threatening to garnish my wages at my new job. This is in addition to XXXX XXXX XXXX, Navient, XXXX XXXX and XXXX XXXX. I have written letters to every one of these companies requesting validation of debt and letters disputing the validity of this debt and they never respond, or they send me a promissory note from XX/XX/XXXX from XXXX which was paid off in XXXX they have a list of 10+/- student loans from years I was not enrolled in school. They have completely ruined my life, my credit, several jobs for 18 years. I have done everything in my power to rectify this situation but they simply pass it off to a different company. They have put 36 pages worth of negative reports on the 3 credit reporting agencies, I have disputed the records but nothing was done. In XXXX I was so sick of the stress from these companies and the constant harassment and contacting my employer, that I called them back and settled the debt ( that I didn't even owe ) just so they would leave me alone. I paid them {$5900.00} with the promise of a letter stating all student loan debt was satisfied in full and a list of loans covered in the agreement XX/XX/XXXX! As soon as they got the money they never sent the satisfaction letter, put all of the money to INTEREST ONLY on 3 loans not a single dollar to principle and put all the loans back in default and reported to 3 credit bureaus. They have levied my tax return for 10years without proper notification or proof of debt. I also paid another company {$140.00} a month for loan Rehab they never paid {$1.00} towards my loans & defaulted me again.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

This company, Portfolio Recovery, called my place of employment, today XX/XX/XXXX, at approx XXXX XXXX   central time, and as I repeatedly tried to get off the phone he kept talking. My employer does NOT accept calls like this, and will never. I am VERY upset. I have sent them a letter to only contact me via USPS, in XX/XX/XXXX, and they have increased their calls. It is HARASSMENT!
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Dear Consumer Financial Protection Bureau, Synchrony bank (XX/XX/XXXX) Interest charges me two times with very large amount, which I do not understand ; on XX/XX/XXXX {$2800.00} and XX/XX/XXXX {$1100.00}.

I called and asked yesterday, what are these charges for. Sadly, it was misleading promotional charges they added to my credit card.

I was on unemployment benefit last year XX/XX/XXXX- XX/XX/XXXX. 
Please help!
Consumer complaint received 2019-02-20
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. (NH)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I have never done business with these companies.
Consumer complaint received 2019-02-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I NEED MY PAYMENTS RECORD ON MY HELOC AT BANK OF AMERICA, FROM THE BEGINING TO THE FINAL PAYMENT. I NEED PAYMENTS THAT WERE MADE AND REVERSED OUT. 
THANK YOU
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

I have sent several certified letters to Professional Bureau of C regarding a debt I have had no knowledge of and never had. I asked them to validate the debt because I NEVER had ANY XXXX services. They removed the debt each time but then after a few months they put it back on the report. I few months ago I spoke to a rep at the number listed on my credit report and he acknowledged it would be removed on the next month but it was not. When I called back the agents had an attitude and said I have an attorney on the case. They say each time I called the last call I made I said I had an attorney. I never told them that because I want this removed. At one point I was almost willing to settle it to have it removed for good but they did not talk to me. I have all the letters I sent out previously asking for it to be removed and have disputed it on my credit report. I am not sure what to do because i have attempted to have them validate this debt and they did not. It is for XXXX I told the credit bureaus this was happening and that they keep taking it off and putting it back on but they seem to be of no help. How do I get this permanently removed. Please advise
Consumer complaint received 2019-02-19
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. (GA)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
Consumer complaint received 2019-02-19
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. (IA)

2009 Bk is now 10 years old. XXXX and Experian refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus. 
It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from XXXX and Experian.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I had over {$400.00} used from my debit card through chase. I filed a claim right away and filed a police report, the claim was denied twice. I dont feel like they genuinely care or did an investigation and thats a lot of money for me to lose, not chase.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please Read my 3 Previous Complaints, 1 against each of the Credit Reporting Agencies : TransUnion, XXXX & XXXX who continue to refuse to provide me with a copy of my credit report violating the Law USC Title 15 Chapter 41, and despite my request to mail it to my address ( the same address they have on their record under my name ) and dismissing all the documents I already mailed to them proving my identity and addresses such as bank statements and other documents. They asked for utility bills, which I do not pay nor have under my name, so that is inapplicable however they dismissed all the other documents I mailed to them. 

Credit Bureaus also illegally denied me a copy of my credit report under Title 15 Chapter 41 Subsection III Sec1681 ( b ) as well as they illegally asked for a copy of my Drivers License which is a violation of Title XXIII Chapter 322 " use of Drivers Licenses '' which clearly states that if a consumer does not consent to the private entity 's intrusion and violation of his/her Driver 's License personal and private information, the entity is not to deny product or services to the consumer.

The credit bureaus are sabotaging my credit and hurting my life and they are freely breaking US Laws, ignoring and dismissing the written laws which are supposed to protect consumer rights. 
__ They are not showing in my report any of my past excellent payment history ( Mortgages, car loans, unsecured loans ) from 30 years I had perfect history, according to my bank, my score is XXXX.
Consumer complaint received 2019-02-19
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (AL)

I was one of the people sued by XXXX XXXX XXXX  for a student loan I got in XXXX & XXXX. They entered a default judgement against me in XXXX. The loan was taken out while I was domicile in XXXX. However, the falsified documents and sued me while I was living in the State of XXXX. They notified me, my account was one of the accounts impacted by the audit and court decision. However, they still haven't rescinded the two judgement that total more than {$74000.00}. This has impacted my credit and has prevented me from getting jobs as well. I need some help with getting them to rescind the judgements. My attempts to follow there procedures have yielded no results.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (FL)

On Wed, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

Based on previous complaints, now more than 60 days passed from the day I sent a certified mail asking for the validation of the {$50.00} debt validation. They haven't answered me yet! 
The last company 's response proves that ( 1 ) they failed to answer me after more than two months, ( 2 ) they never contacted me but they reported directly to the credit bureaus, and ( 3 ) they want to send me the billing not any validation!
Consumer complaint received 2019-02-19
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. (MS)

Ive disputed unauthorized accounts with Experian on several occasions. I have been submitting disputes asking for validation since XX/XX/XXXX. I started my most recents dispute this year. I submitted a dispute on XX/XX/XXXX regarding my accounts and I received the dispute update the next day saying most of the accounts have been verified. I received the final results on XX/XX/XXXX. I resubmitted another dispute involving the same accounts on XX/XX/XXXX and I receive the results back XX/XX/XXXX saying the accounts had been verified. I resubmitted the disputes on XX/XX/XXXX and received the verified results on XX/XX/XXXX. I submitted my last dispute attempt on XX/XX/XXXX at approximately XXXX XXXX and I received my results at approximately XXXX XXXX. They are not completing the investigation throughly within that timeframe. At the point, I contacted Experian and asked whats being used to verify these accounts and the rep hung up in my face. These accounts have been removed from my other credit reports so I need to know why Experian is constantly reporting these accounts as accurate. According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be INVESTIGATED and if you do not investigate and respond the CRA must delete the disputed information from its files. That fact that Ive been receiving my results back under 24 hours, one can assume that their was no investigation in that matter. I am submitting his complaint due to the lack investigation into my original dispute with Experian. I did not authorize those accounts. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (NC)

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MD)

Dealership had towed the car back and working with Ally to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, Ally reported the XXXX that the payment was late 30 days.
Consumer complaint received 2019-02-19
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I was given extension or payment relief by XXXX for two months XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XXXX and XX/XX/XXXX beside relief nissan motor acceptance charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two nissan motor acceptance and XXXX XXXX and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

NCC BUSINESS SERVICES continued to attempted to collect the wrong amount of a debt they claim I owed. The account NCC  BUSINESS SERVICES claims I owe is incorrect and not accurate and they have not provideed enough information to verify the debt they are attempting to collect. I have documentation showing the original amount owed to the original creditors were paid. NCC BUSINESS  SERVICES has threatened me and threatened that my credit would be damaged if I didnt settle the debt in question. I summited documents and demanded they reinvestigate this debt at once and NCC BUSINESS SERVICES failed to do so and notified me of their reinvestigation status or results. NCC BUSINESS SERVICES  continued to contact me and I requested they notify the 3 credit  bureaus and have this incorrect debt/collection account removed and the representative was very rude and used profane and abusive language. I then told the NCC BUSINESS SERVICES representative  to stop contacting me, but they continue to call.
Consumer complaint received 2019-02-21
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)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-20
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: ERC (GA)

XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2019-02-19
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)

On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating
Consumer complaint received 2019-02-20
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.