davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
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. (IL)

I have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

XXXX   XXXX  Navient or  XXXX   XXXX  at the time, put me in forbearance and never bothered to tell me I could get on a repayment plan, after the all my forbearance was used trying to get a job, they finally after almost defaulting and ruining my credit decided they would inform me of the lower payment plans, which I agreed to to avoid defaulting which was still difficult to pay, now in  XXXX  I was Ill and lost my job so now I have no forbearance because they told me to use it in  XXXX , so now I 'm behind 2 months and they harass me every hour of the day till I pay them or agreed to pay them on a certain date. And the lower payment plan is ridiculous still almost as much as a average car payment. It 's stupid they did n't even try to help me at all in fact it seems like they steered me toward using forbarence so they could take it away that option later as far as a loan servicer they seem to have no interest In helping you or do they seem like they care at all, they also like call with threatening phone calls dozens of times a day  XXXX  to  XXXX  every hour every day. They even have called my relatives and got aggressive with them people who have no business In the matter I 'm not even sure how they got there numbers
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I filed a compl aint ( Case n umber :  XXXX  ) and the debt collector agreed to cease the calls to my place of employment and yet they still keep calling from different numbers and they keep requesting copies of my credit report!!!
Consumer complaint received 2019-09-03
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: EQUIFAX, INC. (FL)

XX/XX/2019, I contacted Equifax through certified mail informing them that I was a victim of identity theft, and that I had a fraudulent account on my credit report. On XX/XX/2019, I received a letter from the collection agency that had the fraudulent account stating that they were no longer going to try and collect on the fraudulent account, and that they would request a deletion from the credit bureau. When I received the letter from the collection agency, I had already sent a letter to equifax requesting an investigation. 

On XX/XX/2019, I received correspondence from equifax requesting documentation to verify my identity. The request was confusing because when I first contacted equifax, I sent to them through certified mail a copy of my drivers license, lease, passport, social security card, and utility bill. However, I resent to them the same documentation per their request. 

On XX/XX/2019, I received an email from equifax stating that my dispute was completed and that they had determined that the account in collections was my account and that they updated the account as paid in full, but the account would still remain. 

After I received that information from equifax, I sent them another letter XX/XX/2019 along with my FTC report that I had filed, and the letter from the collection agency notifying me that they were ceasing their collection efforts and that they would request a deletion from the credit bureaus. I asked equifax in my second letter to them to provide me the method of their investigation, because if the account was investigated, then equifax would have known that the collection agency was requesting a deletion for the account. 

Today is XX/XX/2019, and I have not heard from equifax about the collection account and the account still remains on my credit report. 

I have attached the second letter that I sent to equifax, along with the letter that I received from the collection agency.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2017 I have tried both online and over the phone to freeze my credit records ( for days ).  In both cases with XXXX and TransUnion the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX  over the phone, however, their was a {$10.00} charge.
Consumer complaint received 2017-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.
Consumer complaint received 2017-04-27
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)

Experian is refusing to remove a Chapter  XXXX  bankruptcy record from    2009  that I did not file. It has a reference number of "  XXXX  ''.     I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts.     I have disputed this error with Experian numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim.     They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''.     How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy?     I manage my finances responsibly so it is unfair that this blemish and error in reporting by Experian continue to occur when no factual evidence can be provided as validation.
Consumer complaint received 2017-04-27
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)

I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH EQUIFAX SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B    XXXX   AND  XXXX   XXXX  HAVE REMOVED THE FRAUD ACCOUNTS BUT EQUIFAX HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .
Consumer complaint received 2017-04-26
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. (GA)

I have been fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I receive a credit card from  XXXX   XXXX  Bank on  XXXX    XXXX ,2017  and the company reported the credit card on my credit report within 5 days of receiving the card which is  XXXX   XXXX ,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I  Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NV)

In   XXXX   I received a {$1500.00} grant while I was attending school, I was told at that time, that I would not have to repay it.   so, 34 years later after rehabilitating this grant into a loan, about {$6200.00} out of pocket, I got my loan down to {$5.00} per month which I could afford, then it was turned over to " FedLoan Servicing '' Pennsylvania  Higher Education Assistance Agency a nd after 3 months they changed the payments ( with out notice or explanation ), to {$100.00} per month. I caught it, voided "  Direct Deposit '' info, then  they revised it again to {$50.00}, voided that, I called and asked why the changes in payments? they said " BECAUSE THEY CAN '' now I have to deal with some of the worst leeches on the Planet Earth, I am now retired and trying to live off Social Security of just {$870.00} per month, I just need help in paying off the remaining balance to be free of this burden, can you help?
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

Escrow closed and paid off the existing mortgage using a current demand fro m Shellpoint Mortgage Servicing. Check  was sent via overnight delivery and confirmed received  by Shellpoint on   XXXX   XXXX ,   XXXX  . Escrow contacted Shellpoint on  XXXX / XXXX /  XXXX   to confirm account is satisfied and were told the payoff was short and they had no record of the demand that was provided to escrow h older. Shellpoint i s refusing to accept that this loan is paid in full and since the property is in foreclosure ( with a sale date of  XXXX / XXXX /  XXXX   ) will cause severe harm to current owners of the property secured by this mortgage if they do not accept the payoff sent to them in good faith according to their current demand for payoff.
Consumer complaint received 2017-04-26
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. (TX)

45 days past and have not heard from equifax concerning inquiries i have certified mail receipt confirmation i have inquires i do not recognize and did not apply for i have asked for a signed contract with signature for these inquires and no response i called an rep name  XXXX  stated they do not remove inquiries Inquires below   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Stating on XX/XX/29 for XXXX  services which I did not receive ANY. Company XXXX XXXX claim I owe them {$110.00} but for unknown services I am not familiar with or ever received. Also I am aware medical bills should not affect my credit so I know this is a scam
Consumer complaint received 2023-06-07
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. (IL)

On XX/XX/2023 I uploaded an identity theft report online to Experian. On XX/XX/2023 the dispute was completed & the account remained on my credit report.