davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCE CORPORATION (CA)

I took out a debt consolidation loan with XXXX XXXX XXXX in XXXX XXXX, CA. They took my pink slip to my car as collateral. The payment is due on the XXXX but is not considered late until the XXXX. However, the company starts calling incessantly between the fist and the eleventh. I mail my check to their headquarters back east. They would prefer I call and make a payment over the phone. I feel they are harassing me. I have asked them not to call me anymore, but they persist. I had to block them from my cell phone, but they persist in calling from an unknown number.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. 





Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.
Consumer complaint received 2020-05-05
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-05
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. (FL)

Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$11000.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a XXXX and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I reached out to Navient Solutions LLC, the holder of my 3 student loans, several times between XXXX. I was reaching out to Navient with the intention of paying off the balance of my 3 student loans totaling {$23000.00}. When I called in and voiced my desire to make that payment, the woman from Navient asked me if I was interested in seeing if I qualified for a student loan forgiveness and consolidation  program. I was not necessarily interested in the consolidation, however I told her I was interested in seeing if I qualified for the loan forgiveness. So the woman on the phone filled out the application to help me apply for what she claimed was an income based student loan forgiveness program. On XX/XX/20 she said that I did qualify for {$8000.00} in loan forgiveness, however there were some stipulations. I would have to pay what she claimed was the balance of the interest on my principle amount, {$5000.00}. I would also have to agree to have my loan consolidated and transferred to a new loan holding company, XXXX, where I would be able to pay off the balance. On XX/XX/20 I signed a master promissory note, with whom I believed was Navient, to complete this process. I agreed to pay the {$5000.00}, and on XX/XX/20 that money was drafted from my checking account. The women at Navient said that this consolidation process would take approximately 60-90 days, and I could expect to see my first statement from XXXX, with a new balance of approximately {$10000.00} around that time. 

I got my first statement from XXXX approximately 3 weeks ago with a balance of {$23000.00}. Shocked that my balance was {$13000.00} more than I had anticipated it being, I called XXXX to see what the discrepancy was. XXXX voiced they had no record of the {$5000.00} payment towards the interest of my balance, and they also said they had no record of any {$8000.00} forgiveness towards my balance. I called Navient, who similarly reported no record of those payments. Navient was also unable to produce any type of call log or correspondence from the communication I had with them from XXXX. 

Upon reviewing the master promissory note, it appears to reference another party/s, XXXX I also have an email thanking me from doing business with The XXXX XXXX XXXX XXXX. Finally, the fraud department at my bank was able to see that the money was drafted from my bank account under the name XXXX XXXX  XXXX. I am not sure at what point I was scammed. I feel that someone working at Navient misled/misdirected me towards the scamming company. I never reached out to anyone other than Navient throughout this entire process. They did consolidate my loans, and transfer them to a new loan holding house XXXX, however there is no trail of where my $ XXXX went nor any evidence that my loan is being forgive any.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a capital one Quicksilver one. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) Capital one Quicksilver one 2 ) Capital one Venture one 3 )  Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NC)

Hi, Received notice from Wakefield and Associates LLC that they are looking to collect debt from me from XXXX XXXX XXXX in the amount of {$52.00}. I do not know what this debt is for and need information provided about what it is for. I always use XXXX to pay off XXXX debt. All of my payments for XXXX are through there. I have contacted XXXX and they do not know of this charge.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NC)

I received a call from an unknown number ( XXXX ) XXXX on XX/XX/2020 at XXXX XXXX  and immediately stated that I was not interested in any solicitations, ask them to remove my number from their list, and that my number was on the " Do Not Call Registry ''. The guy ( XXXX accent ) started talking and I ask him if this was a solicitation. He stated he was from American Express. I told the gentleman that they had the wrong guy that I didn't have an American Express card. He insisted that I did and was getting pushy. I used expletives to say again that he had the wrong guy and again that I didn't have an American Express card. He told me not to talk to him like that ( expletives ). I told him that if I just told him that he had the wrong guy and if he didn't want me talking to him like that, " he called me and he could hang up. '' I then hung up the phone. I then received a call on XX/XX/2020 from ( XXXX ) XXXX, which I waited about an hour, after they left no message and got a greeting from American Express XXXX XXXX, and hung up since I did have an American Express card. Again, on XX/XX/2020 at XXXX XXXX, I received another call from ( XXXX ) XXXX, which I ignored. There should be a way for the company to admit that they likely have access to carrier lists, which I don't think they should be able to sell your information. They find somebody with a similar name ( they never worry about middle initials or names ), and they call that number and harass the wrong person. Additionally, the " Do Not Call Registry '' is about worthless since they don't enforce the law that states they can't enforce it, and therefore is useless in itself.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NC)

I hope who ever is reading this is having a great day, I reached out to Discover back in XXXX concerning this account letting them know my ex wife had opened this account without me knowing and ran up charges. They never contacted me back concerning this account so I was unaware of my payment due date. I didn't file a police report because I didn't want to see her get in trouble so I reached out to Discover to see what I could do to solve this issue. They never contacted me back and its been two month since I wrote their company disputing this account. This account is locked so I had no way of knowing how much the payments are or the due date. I recently been out of work due to the Corona Virus so its been hard financially. I reached out to Discover to let them know my situation and they said it was nothing they can do to help me I would have to dispute the late charges directly threw cfpb or Credit Bureau. I have never been late on no recent payments and this negative impact to my score has added to my stress during these hard times our country is facing. Can someone please help me with this situation. Thanks have a great day.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX Balance : {$730.00}
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hello CFPB, PORTFOLIO RECOVERY Associates - continues to harass me claiming I owe on the following. The have not provided any documentation that I truly owe this debt. No signature, contract, or any details. For instance, no viable evidence, bearing my signature. Please tell PORTFOLIO RECOVERY Associates. To stop calling me and harassing about a debt they have not even verified. Both accounts should be removed from my credit right away. 

XXXX XXXX XXXX XXXX amt {$2800.00} / Open Date - XX/XX/XXXX XXXX XXXX XXXX  - amt {$980.00} / Open Date - XX/XX/XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc. (ID)

On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. 
On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. 
I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (MO)

Currently a company by the name of XXXX XXXX is attempting to collect on a debt by the original creditor XXXX. This was placed on my XXXX  credit report along with my Experian  and XXXX  reports. Both XXXX and Experian reviewed the dispute and immediately removed this from my credit report. After multiple attempts XXXX continues to ignore the original dispute. 

The dispute is very simple - I terminated service with XXXX in the first few days of XX/XX/2019 and moved my service to XXXX after constant issues with poor service and billing issues. My lease on my phone had concluded, the phone returned and confirmed received by XXXX days later. I have had XXXX service for XXXX, XXXX of 2019 and since. 

In XXXX of 2019 XXXX sent me a bill attempting to charge me for XXXX over three weeks after terminating service. After months of billing issues with XXXX it did not surprise me that XXXX was still trying to charge me for a service that had been terminated for weeks as their XXXX   complaints show a long line of people they attempt to do this with. Then XXXX attempted anyway to charge my credit and debit cards and access my bank accounts and take the money anyway which was immediately stopped by the fraud departments. 

To date neither Experian, XXXX XXXX or XXXX  who is allowing this to remain on my credit report have shown me a single bill with actual charges. When they are asked to provide proof they just send another copy of a past due notice but never a single copy showing what the service is for, the period it was to be provided in both of which would show the charges are for service long after I left XXXX and ceased having an account or service with them. 

I have filed numerous disputes with Experian and the reply I get each time is 'they verified the debt '' and each time it's with a copy of a past due bill. Not once have I been handed a single piece of proof of what the charges are for or any legal document allowing them to charge me for anything outside of the time I had service with them.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this as a Qualified Written Request for an unredacted copy of ; the XX/XX/XXXX, " Notice of the foreclosure hearing on XXXX XXXX XXXX, XXXX XXXX, to be held on XX/XX/XXXX. '' " The notice named the current holder of the deed of trust dated XX/XX/XXXX, and the indebtedness secured thereby, to be SunTrust Bank which had accelerated the maturity of the debt ''. 

Thank you - XXXX XXXX XXXX