davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (UT)

In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****
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 — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

My payment for  Navy Federal CU  was due  XXXX   XXXX . I had other payments to make besides  Navy Federal si nce this account is closed. So I paid {$20.00} on the  XXXX  and   XXXX   XXXX   XXXX    for  my  XXXX  payment. Then I followed up and sent  two  more payments on the  XXXX  and the    XXXX   XXXX   XXXX     equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the  XXXX  they reported to the credit bureaus that I was 30 days late for  XXXX  which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover   XXXX   XXXX   bill to {$74.00} owed and  XXXX   XXXX  just passed so how can you add  2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m  e. Navy Federal c an not do as they please.
Consumer complaint received 2017-04-29
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. (IL)

Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (TX)

XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX / XXXX / XXXX    XXXX   via  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  XXXX  via  XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of m y Trans Union cr edit report,, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Dear  XXXX    XXXX   XXXX   XXXX   : Why does your hard inquiry (  XXXX ,  XXXX  ) appear on my  Trans Union credit report (   XXXX  )? Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act?   Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.   Sincerely,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Dear  XXXX   XXXX   XXXX  via  XXXX   XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of  my Trans Union credit report, pursuant to the permissible  purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

I have been engaged in discussio ns with Conn 's  since  XXXX   XXXX  about the interest rate they incorrectly added to my account when I received an installment loan for furniture in  XXXX   XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General.     I am attaching a copy of an email from  XXXX   XXXX , dated  XXXX   XXXX ,  XXXX , which specifically states " We are in the process of adding the " cash-option '' to  XXXX   XXXX  's account.  XXXX   XXXX  has paid the account balance in full and will received a refund of any interest  she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.
Consumer complaint received 2017-04-26
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. (CA)

Two days a go I received in t he U.S. ma il my " Experian '' credit report dated "  XXXX   XXXX    XXXX  . On " Pa ge 31 of 36 '' under th e section entitled " Record of Requests for Your Credit History, '' it notes that "   XXXX   XXXX   '' unlawfully accessed my " Experian '' credit report on "  XXXX   XXXX ,   XXXX  . '' This is NOT mine. I am a Victim of Identity Theft.
Consumer complaint received 2017-04-28
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. (CA)

I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2015-06-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (VA)

A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I was previously with XXXX as my service provider paying ~ $ XXXX for my student loans. Then student loan payments were paused for XXXXhree+ years, and when I get an email notice that my payments are going to be resuming with my new provider, Aidvantage XXXX I login to my account and notice the monthly payment option is $ XXXX than what I was previously paying. When I emailed Aidvantage for an explanation I was not responded to within two business days as they indicated. I called a week later, waited 40+ minutes on hold to even speak with a person, and they were unable to tell me why my payments had increased. I was not on an IDR with XXXX, and they kept saying I was on Aidvantage 's " standard '' plan option. They tried to push me towards an IDR plan, which I refused because I a. probably won't qualify, and b. I shouldn't have to be on one because they adjusted my payments. I did not choose my service provider, I did not choose which " plan '' I was on with them, and was given no explanation for why my payments would have increased. I was never informed my payments would be increased, I received no new Truth In Lending Agreement, or payment schedule with Aidvantge nor did I ever agree to pay more per month for my loans. They violated UDAAP by expecting me to pay a higher amount with no explanation, and instead of doing the right thing attempted to lock me into one of their IDR plans in the hopes that I would then be ineligible for any future student loan forgiveness.

After being on the phone with Aidvantage for an hour and fifteen minutes, and being put on hold multiple times because the agent could not explain why my payments had increased, I was subsequently hung up on, with no resolution or explanation.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Business Funding (TX)

XXXX   XXXX   XXXX     To wh om it may conc ern : In  XXXX  I had signed up with a business by the name of Central Business Funding, this company was supposed to assist me in bettering my credit, even though I have excellent credit. They were supposed to get me started in a business, and by them monitoring my credit they were supposed to put me in contact with lenders that would loan me money for this business, using a busines s credit score, as opposed to using  my personal business score.   Central Business Funding was a scam, all they did from the start when I signed up with them, was to charge my accounts for $  XXXX  of dollars. For months they withdrew money out of my accounts, and did not provide the services that they claimed that they would do.   In    XXXX   XXXX   XXXX   , an attorney at   XXXX   XXXX   XXXX   XXXX   XXXX   wrote a demand letter for me demanding that Central Business Funding pay me back the {$1200.00} dollars that I had paid to them for their fraudulent services, and I have not received my money back as of yet.   Now this collection agency   XXXX   XXXX   XXXX   is trying to charge me the {$1200.00} that Central Business Funding fraudulently stole from me.   I need your assistance, I dont owe Central Business Funding anything, nor do I owe this fraudulent collection debt, and since  XXXX  is stepping up for Central Business Funding, between the  two  companies, I want them to refund back the {$1200.00} dollars that Central Business Funding took out of my personal accounts.   I looked up this    XXXX   XXXX   XXXX   XXXX   and  this is what it states regarding this collection company.   They are a    XXXX   XXXX   XXXX   XXXX   XXXX    filed on   XXXX   XXXX   XXXX  . The companys filing status is listed ad Inactive-Dissolution by Proclamation/Annulmen and  its File Number  is  XXXX .   The Registered Agent on file for this company  Is   XXXX   XXXX   XXXX  and is located at  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (NJ)

Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (SC)

There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (OH)

The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.
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. (CA)

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. Please help.