davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
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. (PA)

The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
Consumer complaint received 2018-03-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (TX)

I've been repaying by debt through the XXXX XXXX company. On XX/XX/XXXX I requested a record of all the payments I had made on Federal Student Loans. I asked to get a record of what payments I had made, and which ones qualified toward repayment. I was told that it would take 3 months to get a detailed summary of my loans, what qualifying re-payments had been made, and a record of which of those payments counted towards PSLF. I never received this report. In previous years ( before XX/XX/XXXX ) there had been a tool on the website showing that I had 4 or so years towards my repayment, but such information has disappeared from the website. 
I have been repaying loans since about XXXX, but when I consolidated my loads through PSLF, either all records of those payments were lost ( I have records ) or else they were not counted towards PSLF repayment. The years fromXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX, though I had been XXXX and paying loans, which I made sure to check were qualifying, were lost. 
Another complaint is that when I am asked to re-certify with an employer, I do so, and I also request that XXXX ensures that I am currently enrolled in the correct repayment plan. I have no way of verifying this or making sure that the payments I am making qualify. 
When I am asked to submit documents I do so, but almost every single time I am sent a form letter about how some of what I submitted was incorrect, and I am forced to make a call ( hold and transfer time 10-30 minutes ) to XXXX to find out exactly what it was. Case and point, I was given a form that told me to submit records of my income. I submitted all XXXX and XXXX forms ( which in step 5 of the IDR form was what I was instructed to do. Nothing was said about tax return forms ) with my income from XXXX, an in return I was sent a form letter that did not specify what I had incorrectly submitted, but letting me know that my request was rejected. When I called, I was told that I was supposed to have submitted a tax return form, though it was not specified on the form and instructions I was originally given. 
My specific complaint is that XXXX is withholding information necessary to participate in the PSLF program, and is making it unduly difficult to submit information, ensure you are fulfilling requirements, and receive information about my student loan and repayment. Any other entity dealing with loans and other financial matters would not be permitted to mismanage information in such a way that XXXX has been.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I took out a consolidation loan with XXXX XXXX in XXXX of 2000. The original amount of the loan was {$74000.00}. 

With the exception of two periods of forebearance when I was on XXXX XXXX, I have made payments ranging from $ 500- {$600.00} per month for 18 years. This is the amount required under my payment plan. 

The loan is currently managed by Navient. 

My current balance is {$65000.00}. 

I previously complained that my payments are not being correctly applied to my principal balance. The amount that is applied to my principal balance month to month varies, even though my payments are the same each month. 

I feel they have incorrectly applied my payments over the years and that is why my principal balance is still high after 18 years. 

I would like an independent audit to be done on my account from someone other than Navient and/or XXXX XXXX to ensure that XXXX payments were applied correctly and if not, I would like the balance to be adjusted accordingly.
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to XXXX, Experian, and XXXX  disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do, only sent me a letter saying the account was verified.
Consumer complaint received 2018-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates is reporting aa account for {$850.00} on my credit report that does not belong to me. This account is from identity theft. I have contacted the company and told them that this is from identity theft and they sent me a computer generated bill saying that it was verified. I told the rep the I spoke to that the bill was not from me and I had been a victim of identity theft.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (TX)

A collection appeared on my account from XXXX hospital in XX/XX/XXXX, at that time I provided accurate insurance information and the debt was paid in full. 2 years later, inXX/XX/XXXX the same debt appeared as Grant & Weber, I disputed the charge with proof from XXXX that the debt was paid by insurance and paid in full and the collection was removed. This year,XX/XX/XXXX, the same collection has re-appeared. I was not notified in writing or any form that this collection would be reappearing on my credit report. I have since disputed again however the only proof I had after 4 years of moving 4 times was that the same collection was removed in XX/XX/XXXX. I am afraid of this continually reappearing on my credit report. I have tried to contact XXXX hospital directly but they are nolonger in business. The collector ( Grant & Weber ) says they can not remove unless XXXX  contacts them to remove. It's a never ending circle. You are my last hope to permanently remove this from my credit report.
Consumer complaint received 2018-04-01
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to Capital One Auto Finance, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. Capital One Auto Finance did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XX/XX/XXXXand another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Consumer complaint received 2018-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (FL)

A few months ago I ordered a credit report and noticed that I had a new collection on file from AARGON agency, I immediately made contact with AARGON agency and told them that this information was incorrect. I mailed them several letters and put in several disputes online as well. This account is not mine and I don't appreciate them sending my personal information out, violating my HIPPA rights. In another complaint this company mentioned something about an identity theft package. ( which I never received ) I have attached 2 separate identity theft packages, one that dates all the way back to XX/XX/XXXX and a more current one from XX/XX/XXXX! This debt is not mine. This company is failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection in which they are saying is mine.Please be advised I have requested " validation '' not verification of the item reported by the above collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, Aargon Collection Agency did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Please help me with this company.
Consumer complaint received 2018-04-01
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: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$360.00} {$360.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

Sincerely, XXXX XXXX Enclosures : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Identity Theft Report Proof of identity Notice to Furnishers of Information
Consumer complaint received 2018-04-01
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. (GA)

I have had trouble with my federal student loans since they were sold to Navient without my permission. I did not choose them to be my service provider. 

First, they put me in a repayment plan that was not the best option for me and would have cost me thousands of dollars more over time. I figured it out on my own, and it was nearly impossible to have it switched when I did. No response from customer service, social media, no follow through. 

As of right now, I have been paying at least double ( often more ) on my student loans since XX/XX/2017. I am asking that with each payment, that the due date gets advanced. Despite this request every single month ( on their website prompting me to make the request! ), my due date says this month. This is 100 % entirely incorrect. My due date is not being advanced. This is putting me in financial danger if I pay more and then become unemployed. It is illegal to take my extra money and not apply it as I am indicating on my loans. This is an option with EVERY online payment - and every time, I have requested to advance my due date with the extra payment money. 

They are not responding to this problem via phone, social media, email communication or through their online portal. Please help. I am also not certain whether my extra money is being applied correctly. There is nothing on their site to see the history of how my payments were applied or what interest is accrued monthly, retrospectively. It simply provides a list of my payments without any actual details of how they were applied over time.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Identity theft fraudulent accounts mid XXXX XXXX XXXX XXXX  keep deleting and adding accounts back on my credit report under my open and closed accounts These account do not belong to me and I didnt no open or apply for any of these accounts The creditor also change is to the XXXX XXXX XXXX and put it back on my credit report XX/XX/XXXXAmount XXXX XX/XX/XXXX Amount XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have a free account with Experian. Recently I have decided to delete my account due to several reasons : 1. Data breaches at various services make me feel unsafe to store my data online.

2. Experian service provides incorrect information about my credit scores.

3. Experian has 1 star rating on ConsumerAffairs with tons of complaints.

I have called company 's hotline, but after spending 10 minutes " talking '' with robot, when it discovered that I am a free user, robot said " you are a free user. good bye ''.

I believe that users should be able to verifiably delete account at any financial services. I need to be able to delete my account and data from Experian.
Consumer complaint received 2018-03-30
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. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :
Consumer complaint received 2018-03-30
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. (FL)

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus XXXX XXXX XXXX EXPERIAN ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. EXPERIAN don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And Experian well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (AK)

After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference XXXX