davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I co-signed for a loan in XX/XX/XXXX. In XX/XX/XXXX my son was in a car accident and the insurance company deemed it totaled in early XX/XX/XXXX.   XX/XX/XXXX my son called the lender , credit acceptance , to get payoff status.  They informed him it was in a repossession status’s abd there was nothing he could do at this point.  I personally contacted the lender. They informed me it was due to not receiving proper documentation from the insurance company.   They mentioned they attempted to contact myself and my son numerous times however we both received nothing.  I feel they’re being unfair and not willing to assist with this error that was obviously caused by miscommunication. My son has never been late on his payments
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct XXXX  Comenity Bank		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I refinanced my home with XXXX XXXX XXXX which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

I have never authorized deferment or have made a payment for any private loans since 2008. On my credit report it says I have from Navient asking for deferment for Private loans. I have Federal Loans that are in deferment through the DTR but never have authorized for private loan deferment.    I have email communication from Navient asking for federal, but never private loans.    I know Navient is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the Debt Collective and have contacted the XXXX XXXX that are heading up the lawsuits against XXXX XXXX and Navient.These loans are past the statute of limitations for collections from a school that was shut down for fraud.
Consumer complaint received 2019-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo, like all mortgage servicers, does the annual review of the escrow account. Unlike the other 2 servicers in the past, they're the only company that will not allow a lump some payment to increase the escrow to the "minimum required reserve amount" which ofcourse is greatly in excess of what is reasonable or necessary (nearly twice the amount of my annual taxes and insurance). The first year it occurred after my servicing was sold to wells, I made the lump some payment and contacted their service center as was able to get them to leave my fixed payment at the amount it has always been. When I pressed for the reason they made it so hard to maintain the same payment amount if escrow is maintained by the homeowner I was told it results in undue costs to the organization. Since the escrow review has to be done, the only cost it being able to suck up more of the payment away from principle. This was XX/XX/2018XX/XX/XXXX I recieved a letter telling me Wells Fargo will no longer allow me to pay the escrow shortage.I received the notification today that my payments are being raise by XXXX annually, in spite of the fact that my balance has been sufficient and maintained and there has been no increase in taxes or insurance at this time.
Consumer complaint received 2023-03-18
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. (AZ)

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Payment Errors:On XXXX XXXX, 2019, I was placed on a temporary repayment plan with Ocwen. My repayment plan starting with the first payment on XXXX XXXX and the last payment on XXXX  XXXX  which would have had me completely caught up as of today’s date.  I was told that I would need to make a down payment of $XXXX by XXXX XXXX which I did.  The monthly payment during the payment plan was XXXX which started on XXXX XXXX.  I made the following payments (please see proof provided) 		Date		Amount	Payment made to		Method of paymentXX/XX/2019	$XXXXOcwen				XXXX XXXXXX/XX/2019	$XXXX 	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				XXXX XXXX		Total = $XXXXI was told by a representative of your company that the $XXXX counted towards payments for XXXX, XXXX, XXXX  and XXXX which does not make sense because I am not understanding where my down payment of $XXXX went.  PHH also said they took over $500.00 and put it towards the escrow which was not supposed to happen. I was told that it would be taken out of escrow and put towards my principal in 2 business days and it was not done.  I have called over 5 times regarding this issue because my account is still stating that I owe for XXXX  and XXXX   which is not the case.  •	Your company did not properly credit the payments that I have made since the beginning of XXXX in the amount of [X dollars]. This payment should have been credited to:o	[All of the payments should have been posted towards my repayment plan.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CT)

We Paid in full a lease on a car to GM Financial Leasing in XX/XX/XXXX. We constantly keep receiving bills as well as phone calls for taxes due on the vehicle from XX/XX/XXXXto XX/XX/XXXXat which time we no longer have the car. We have given them all documentation as requested and still nothing resolved for months. It is affecting our credit.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I  am XXXX  years old.I employed a reputable debt relief company to restructure my credit card debt with CapitalOne Mastercard. I have good credit (XXXX). I requested a change to my due date from the XXXX to XXXX.I spoke to two employees and a manager. I was told that a payment was due on the XXXX and CapitalOne would not change my due date. I would be delinquent and will continue to be delinquent. I was confused thinking I was doing the right thing. I called my debt relief company and was informed that Capitalone refuses to talk to them (I assume over any account). Did CapitalOne violate Debt Relief Law and can you help me?
Consumer complaint received 2019-08-20
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. (IN)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;		XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;	XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX XXXX;		XXXX XXXX;				XXXX;					XXXX;		XXXX;		XXXX;				XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX XXXX;					XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX;		XXXX;					XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX XXXX;			XXXX;		XXXX XXXX XXXX;			XXXX XXXX XXXX;		XXXX;	XXXX XXXX XXXX;				XXXX XXXX;		XXXX XXXX XXXX;		XXXX;				XXXX;		XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX;		XXXX  and			XXXX
Consumer complaint received 2019-08-20
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. (IN)

There is a medical bill being reported by XXXX XXXX XXXX XXXX that I paid with the original company XXXX XXXX XXXX on XX/XX/XXXX.  XXXX XXXX XXXX XXXX continues to call me even though I have told them repeatedly that this is paid, I have even sent them an email with a copy of the receipt.  I have contacted the original creditor who verified I owe nothing and said they would contact XXXX.  I have disputed the information with EQUIFAX 3 times and each time it comes back saying XXXX has verified the debt.  Upon calling EQUIFAX, they will tell me what XXXX submitted to verify the debt.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQUIFAX wrongfully shows the negative account,US DEPT OF EDUCATION/XXXX account #XXXX on my credit bureau.Yesterday equifax "verified" the account as minefor the umpteenth time.The account was never mine.I did not apply for this loan.I did not receive any proceeds from this loan.I have never received any proceeds nor were any educational facilities paid for my benefit.IT IS NOT MINE!IT IS AN ERROR OF THE DEPT OF EDUCATION!I have received negative credit reporting for years and would and could sue Equifax but I have to get in line and I think Equifax will be Bankrupt soon.I have attached  copies of my CA drivers license and social security card.I have attached "the police report of Id theft"an FTC REPORT.IN XXXX...EQUIFAX'S CFPB RESPONSE WAS CONTRARY TO THE FCRA.THEY SHOULD HAVE SUPPRESSED THE INFORMATION UPON RECEIPT FROM THE CFPB.EQUIFAX HAS FOREIGN EMPLOYEES THAT HAVE A DISREGARD FOR US LAW.AS OF THIS MOMENT,EQUIFAX HAS REMOVED 4 OF THE 5 SCHOOL LOANS MENTIONED IN THE FTC REPORT.EXPERIAN AND TRANSUNION HAVE REMOVED ALL 5.THIS DEPT OF EDUCATION LOAN SHOULD HAVE ALREADY BEEN SUPPRESSED BY EQUIFAX AND EQUIFAX WAS NOT REQUIRED TO CONTACT THE DEPT OF ED,BUT FOLLOW THE SCRIPT OF FCRA PROCEDURE AS WRITTEN BU THE US CONGRESS.
Consumer complaint received 2019-08-19
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. (MO)

On XX/XX/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (CA)

To whom it may concern, State farm has a late reporting to my report XX/XX/XXXX and this information is incorrect. I called and spoke with a represenative she assisted me and said this was a mistake on state Fram system and that the reproting incorrect infomation would be deleted off the report. It is still showing late. The account was openedXX/XX/XXXX. The account was paid off in full and never used State farm closed the account its balance has been {$0.00} for 3 years. Its limit is {$6000.00} and its high balance was {$5900.00} in XXXX. The report was never updated as promised by State fram bank.
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler has been cited for violating the Fair Credit Act and for filing numerous frivolous law suits against customers. I asked them to cease and desist all current and future collection activity for a bill from XXXX XXXX Hospital. XXXX XXXX Hospital claimed they rendered services to my companion animal when they did not, they caused his needless pain and death and refused to answer all complaints. I therefore disputed the bill and informed their lowlife attorneys to cease and desist all current and future collection activity which they have not respected.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

a. Dr, XXXX admitted it is a preventive but coding nurse coded as diagnostics
b. insurance call not tell how to code 
c, coding nurse refuse to change 
I went to the clinic for annual physical only.
Receiving the bill for a diagnostic test, I called my insurance company and they told me the code they entered is not preventative but diagnostics so that is not 100% covered.  And it is against the law for the insurance company to tell them how to code.  And the procedure code and reason code is not matching.
I went back to Doctor's Office,  Dr. XXXX said it should be regular preventive exam items. He called the nurse manager in and The nurse manager took me to her office and called the billing office.  The bill office person said they can not change the code. It is up to the person ( the nurse entered the code)to change.  but, the coding person refuses to change the code.  Also, they refused me to talk neither the coding nurse nor the Doctor.   It leaves me the powerless
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Beginning in XX/XX/XXXX I noticed AWA Collection Agency listed on my credit reports.  I immediately disputed it and asked for validation of the listed accounts.  Since then, I have attempted to communicate with them on multiple occasions.  To be exact, I mailed letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I never get proof that these debts belong to me.  What I have received on 2 separate occasions have been bills.  But never identifiers that prove that I incurred these debts.  I work for a XXXX XXXX company, am well covered and have no medical debt.Since I am getting nowhere with them I thought I would go the extra mile to get some help in once and for all resolving this situation.I've specifically asked for signed documentation and other supporting documentation which they cannot provide me.  They provide billing statements that do not prove obligation for me to pay them.  These 4 negative reporting accounts have destroyed my credit and halt my ability to move forward.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX**** and Public Information: Chapter XXXX Bankruptcy: XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (WI)

I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.
Consumer complaint received 2019-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I SENT LETTERS, CERTIFIED WITH SIGN AND RETURN TO EQUIFAX ON THE FOLLOWING DATES:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-08-20
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. (FL)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX,XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX  and XXXX XXXX
Consumer complaint received 2019-08-19
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. (FL)

I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX - XXXX - XX/XX/2019 - XXXX XXXX XXXX XXXX - XX/XX/2019 - $XXXX