davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation (TX)

I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.
Consumer complaint received 2018-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Consumer complaint received 2017-02-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (NJ)

In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 


Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls. 

XXXX
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I have disputed with XXXX XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called ARS collecting for XXXX XXXX XXXX XXXX XXXX. XXXX received my Dispute XX/XX/2017 and they state that they received verification from ARS of a debt XX/XX/2017 - that does not belong to me. ARS could not verify my SSN on these accounts. The information they have in their office that XXXX is reporting on my credit report is not my info yet an XXXX representative and Supervisor XXXX XXXX states that ARS sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with ARS he confirmed with me that the last XXXX digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from ARS then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by ARS, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on XXXX. I have repeatedly told XXXX that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from XXXX with an update on this matter. And the letter received from ARS requesting for debt Validation has not been received from XXXX or ARS connecting me to this debt. They have not provided me with any original documents that contain my signature or ID or anything that connects me to these debts that are not mine. I am respectfully requesting for XXXX to remove these XXXX collections accounts that do not belong to me that have not been validated and ARS to complete that request immediately. 

XXXX should be fined ARS should be fined, and they need to remove the errors from my report immediately. They should compensate me for their reporting errors that they do not validate. When I asked one of their reps at XXXX what they received that validated this debt she could not tell me and in speaking to XXXX XXXX he refused to provide me with a physical address to send ARS certified mail as well as hung up on me without reason as I was not hostile but asked him multiple questions that i received answers on and others he did not provide. I asked for XXXX XXXX contact info he did not provide it. I asked for phone number to the ARS clerical department he did not provide a contact phone number. I spoke to rep XXXX who did not provide an Id or last name and she was rude and unprofessional when I asked for a supervisor she transferred me to some hotline without telling me it would be a voicemail.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: DISCOVER BANK (LA)

Have paid my bills on time and have not been late. All my student loans are under one company XXXX, there should not be multiple loans showing. Have paid off XXXX bills XXXX, XXXX and XXXX these also need to be talking off my credit report.
Consumer complaint received 2019-04-15
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: CITIBANK, N.A. (TN)

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (UT)

XXXX Collections and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NV)

I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been trying to make big payments ahead of and in addition to my " scheduled payment ''. This past week on XX/XX/2019 I had ( using their 'custom payment ' option ) specified 2 overpayments in order to get rid of my loans ... I made a payment of {$660.00} on one loan specifically which would have left the loan within {$2.00} of being completely paid off. However, upon logging back in I saw that Navient reallocated the payments how they saw fit leaving the repayment of the loan at {$470.00}. 

This is not the first time I have had a problem/question with the ethics of how their practices work. I have been making continuous payments for well over a decade with Navient assuring me that I have to pay off the pre-set interest before I can work on the principal of the loan ... well cut to earlier this year when I questioned them about the fact that I am still being charged ridiculous interest and I did NOT get a satisfactory answer. Only that, " I can look at the history of my student loan by logging into my account. '' I am having a REALLY hard time getting a solid answer and after this last specified payment being allocated as THEY see fit which conveniently leaves me owning them more interest/money really has me questioning their ethics and their practices.
Consumer complaint received 2019-04-11
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. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

I have a rental property that has a mortgage in good standing ( XXXX XXXX ) which Equifax will not report on my credit file, I have paid this account faithfully! No lates! Years of every payment being on time! They also dont have any way to dispute satisfactory accounts to my file ( ie.. to dispute a missing account or one that is not showing ) which seems that it should b illegal for these credit reporting companies to block consumers from correcting false or missing information!
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am an XXXX with substantial XXXX XXXX debt. I have stayed in government positions or with non-profits because of the public student loan forgiveness. 

I have had, and continue to get improper information about how to make sure my loans qualify for loan forgiveness. I still do not have the proper accounting of qualifying payments. I have worked for XXXX XXXX, a qualifying non-profit from XX/XX/XXXX- XX/XX/XXXX. I now have worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX- present. ( I am currently submitting my employment certification form from XX/XX/XXXX-XX/XX/XXXX so those may not be reflected yet. ) I can not access any of my old documents uploaded online, they do not give you copies of any emails you send to them and the only method to hold them accountable, the chat feature, has been deactivated. There is no meaningful way to track what they tell us, documents that are provided, and no method to contest when payments are qualifying. I have submitted documentation for annual re certifications, called to ensure they received it, was told it had been received and then later received notices that i never sent anything and had to put my account into forbearance. 

The misinformation and lack of accountability results in individuals staying in lower paying jobs for months or even years longer than they intended without the benefit of meaningful Public student loan forgiveness.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-04-11
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page XXXX attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I went to TD Bank to withdrawal a large sum of money. I brought with me all the pertinent documents for which was used to open said account. I was unable to withdrawal funds due to an expired driver 's license. My concern is that the bank was able to take my large amount of money in XX/XX/XXXX.My expired license was not an issue. When going to the Department of Motor Vehicle, I was told my license had expired XX/XX/XXXX. This means my bank account with TD Bank was opened without a valid license. My concern is without having a valid driver 's license upon opening, would this make my account invalid? 

It is very difficult for me to get to the bank because of my XXXX. I am moving to Maryland from Florida to be closer to family. I have a lot of expenses coming up in order to make this move happen.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report. 
LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED. 
XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again. 
XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX. 
XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly. 
I tried calling LVNV but wasn't able to speak with a live agent. 
As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner. 


I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.
Consumer complaint received 2019-04-11
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. (OR)

In XXXX XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with XXXX  and XXXX  both stating there is no substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at XXXX  has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated to provide restitution.
Consumer complaint received 2019-04-13
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)

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (TX)

XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

Lending Club sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. Lending Club will not note it. They did on my other loan.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

Signed up for a checking account with Chase banking for XXXX $ bonus around XX/XX/XXXX or XXXX. The terms were to have direct deposit into the bank and the XXXX would be deposited within 10 business days. I waited a little over 3 weeks with no money and gave them a call on XX/XX/2019. They told me they sent a coupon to my email which they did not and said since its been over 21 days since account was opened they wont give me the bonus