davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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. (NY)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX Equifax and XXXX XXXX collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Consumer complaint received 2020-10-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received documentation back in XX/XX/2020 from Portfolio Recovery Associates stating that I have an account in collections with them. I responded to the letter asking for verification and they never sent me any verification of debt. I sent them a cease and desist and they continue to contact me by phone. They also continue to report this debt on my credit report saying XXXX days late when its a collection account. This illegal activity is hindering my credit.
Consumer complaint received 2020-10-06
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: Resurgent Capital Services L.P. (FL)

This account have been recently investigated, closed, and deleted from my XXXX  and XXXX credit report. I would like for this account to be deleted from my XXXX credit report. Inaccurate information is hurting my credit profile and by law I would like for this account to be deleted immediately please.
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OR)

This letter is to dispute a debt by Phoenix Financial Services.

The company Phoenix Financial Services list a debt dated from XX/XX/XXXX by Original Creditor : XXXX  XXXX XXXX XXXX. 
Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

On XX/XX/XXXX I arrived in the State of XXXX  with my child whose medical was with the State of XXXX  called the XXXX  XXXX XXXX. I took my child to an emergency doctor since he needed a follow up appointment for XXXX he had back in XXXX. Also, he was not a local resident in the XXXX of XXXX. Being in the XXXX of XXXX  for only a week I had to make sure I could obtain medical service for my child. This included for all appointments and refills of any medication which is covered by his XXXX  XXXX XXXX XXXX XXXX since that was all I had. Once I provided the Medical Insurance from the State of XXXX each hospital took the card and additional forms from the medical center in the State of XXXX  regarding his XXXX and made copies. 

In early XXXX of XXXX and immediately reached out to my lawyers office XXXX XXXX XXXX XXXX regarding this collection letter from XXXX. The current creditor listed is XXXX XXXX XXXX, XXXX. 

By XX/XX/XXXX a dispute letter on my behalf was mail to XXXXhoenix Financial Services from my lawyers XXXX XXXX XXXX XXXX. ( See Attached Document ). In two months there was no response. On XX/XX/XXXX, a certified letter was mailed by my lawyer XXXX XXXX XXXX XXXX to Phoenix Financial Services to dispute the debt. 

A response was received on XX/XX/XXXX from Phoenix Financial Services, LLC ( See Attached Document ) with their response that the creditor had already disputed the information with me. Also on the letter you can show it is not with a new current creditor listed is XXXX XXXX XXXX XXXX. Nowhere in the letter did the agency acknowledge the request to provide full details of medical charges made on XX/XX/XXXX. Second, there was no mention of insurance provided with this debt when at the time the billing was made by XXXX  XXXX XXXX, XXXX. 

I do not recall receiving mail from XXXX  XXXX XXXX, XXXX for a medical bill while I was in the State of XXXX. I was only in the XXXX of XXXX   for 5 months. I left the XXXX Of XXXX  in XXXX of XXXX. This is the first letter I have ever received from Phoenix Financial Services dated XX/XX/XXXX ( See  Attached Document ) regarding this debt from XX/XX/XXXX. 

I only received the confirmation of Certified mail that it was received by Phoenix Financial Services, LLC date XX/XX/XXXX ( See Attached Document ). In addition, my lawyer reached out to Phoenix Financial Services, LLC by email requesting again, to provide more detailed information to verify debt. My lawyer did not get any response. 

Today, I am filing with CFPB about this debt.
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

My daughter has student loans for my undergraduate education at the University XXXX XXXX. There originally were secured through XXXX XXXX, but are now served by Navient. She is in XXXX school, and I am paying interest on the loans under she finishes her education. I am XXXX month past due on interest payments. In response to a phone call, I told the callere that I would be making a payment within a week. Despite this, I and the loan guarantor, continue to get XXXX or XXXX phone calls a day, plus numerous emails.
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.
Consumer complaint received 2020-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

[ XX/XX/20 ] [ Transworld Systems Inc ] [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Re : [ Account number XXXX ] Dear [ Debt collector name ], I am Submitting a complaint about Transworld contacting me about collecting a debt. contacted me by mail, on [ XX/XX/20 ] and identified the debt as my responsibility. I do not have any responsibility for the debt They're trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I want them to Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop my collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,
Consumer complaint received 2023-06-28
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. (TX)

please remove these inquiries and names that do not belong to me. I have attached an identity theft report and have did some research that shows that after receiving this information you have 4 days to block this information from my credit profile 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of you will find all inquiries in the attached report. Also you will find names that are not mines
Consumer complaint received 2020-09-12
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. (CA)

I have attempted to work with XXXX  and XXXX, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZXXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : NOWCOM/WESTLAKE FINANCIA XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Consumer complaint received 2017-02-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

XXXX XXXX XXXX fraudulently sold to Automotive Credit Corp by car dealership. I traded my XXXX XXXX at XXXX XXXX XXXX in XXXX, FL in XXXX. The dealership sent XXXX bad checks to XXXX XXXX XXXX and failed to pay off the vehicle so they basically stole my XXXX XXXX. XXXX sent the title to XXXX after receiving the second check without confirming that the check cleared. In XXXX XXXX XXXX XXXX sold my XXXX that was not paid off as promised in the retail contract to Automotive Credit Corp. XXXX is currently out of business and XXXX XXXX demanding payment in full in the amount of {$13000.00}. I called the finance company to explain what happened and was told that I was not their customer and that there is nothing they can do. So basically they were informed that they are financing a car that was not paid off by the dealership whom they bought the car from and are failing to release the lien and return the vehicle to me so I can pay the initial lienholder which is XXXX XXXX XXXX.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX and XXXX, 2020, I made XXXX XXXX transfers through my Citibank account to my husband 's cell phone number, XXXX, in the amounts of {$2000.00} and {$650.00}, respectively. I had previously transferred money in this way many times without a problem. However, according to the XXXX receipt I can now see in my Citibank online account, this time the money was transferred instead to someone named XXXX XXXX. My husband, XXXX XXXX XXXX, still owns the cell phone number, and we learned later from his bank, XXXX XXXX, that his XXXX token had been transferred without his permission. When I sent the transfer on XX/XX/XXXX, my husband was sitting across from me in our home office and he immediately received a text message to his cell phone XXXX indicating that he had a transfer made to him from me. Likewise, on XX/XX/XXXX, he received another text message for the second transfer. When he did not receive the transfer to his bank account at XXXX XXXX, we immediately called both of our banks. Neither of these banks, Citibank or XXXX XXXX, have provided any remedy to this situation. Citibank has told me I need to contact the recipient, which would be impossible since I do not know who received the transfer. If it was in fact someone named XXXX XXXX, I do not know anyone, nor have I ever known anyone, by that name. Citibank has now denied my complaint twice. 
The transfer of the XXXX token appears to me a crime in that someone has now stolen {$2600.00} from me, and I would expect that Citibank XXXX XXXX should recognize it as such.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2020 I was shopping on the XXXX website, and I was offered the XXXX credit card. I was given a prequalification option only. However, after introducing only some of my data as only the last 4 numbers of my social, a hard inquiry was made on my equifax report. I did not authorize this consultation, and this is damaging my credit history. The advertisement said it was just a pre-qualification with no impact on the credit history. I would like to ask that the hard inquiry be excluded.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-08-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

I have suddenly received a drastic reduction in credit lines and one was outright closed as a rssult of Nationstar Mortgage not correctly reporting my status as " o n time '' when my mortgage is in a covid relief program. This had dropped my credit score a pproximately 50 point s within the span of just a week and has drastically reduced needed access to credit resources.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is a follow-up to my complaint regarding Trans Union. My original complaint filed with the consumer financial protection board and a number XXXX. The complaint was closed out because they claimed it was a duplicate complaint and that it had been responded to. Partially very true partially very false. It is a duplicate complaint. Trans Union did respond to my complaint. But in effect in my complaint I asked for 2+2 equals and they answered the cow jumped over the moon. Yes they did respond to my complaint but they never answered it they danced around it like XXXX XXXX. My complaint was why did they show me as being delinquent on a loan when I wasnt. They claimed I shouldve contacted the mortgage company. I did contact them before I ever contacted Trans Union. They cooperated and gave me copies of all reports they submitted to Trans Union. They never told Trans Union I was delinquent on a loan. Trans Union has yet to answer my question why they show me delinquent on alone when I was not. So yes this is a duplicate of a duplicate of a duplicate. And its because Trans Union has answered questions that were never asked. For example Trans Union responded to my complaint at the freeze was removed. But I never complain to Trans Union about the freeze not being removed. I will restate it again Trans Union went public With me being delinquent On a loan and I wasnt in the bank never reported it. And a base that and all documents given to me by the bank. So Ill ask again for Trans Union give me a copy of the report they claim they got from the bank stating I was delinquent or answer why they showed me is delinquent when they never got a report from the bank