davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

On XX/XX/XXXX the divorce between my ex husband, XXXX XXXX XXXX, and I XXXX XXXX XXXX was finalized before XXXX XXXX at the7th Judicial Circuit Court of XXXX County. As part of the judgement XXXX and I agree the property we shared while we were married would be awarded to him. The judge ordered my name to be taken off the the loan through Bayview Loan Servicing LLC within a month of the divorce judgement. XXXX and I have had to fight with the loan company to have this done. I have signed two quick claim deeds, one on the day of the divorce judgement and another more recently. I have signed modification and assumption paperwork through Bayview Loan Serving LLC, loan # XXXX, to have this finished. After the modification paperwork was approved the loan company reported late payments to the credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Since XXXX of XXXX XXXX and I have continuously been in contact with the loan company to have my name removed. We both have been lied to and given the run around as to why it has taken so long to have this done. XXXX paid Bayview Loan Serving LLC {$1500.00} in closing costs to have this done. They finally accomplished this in XXXX of XXXX, but still have not correctly reported this to the three credit bureaus. I have submitted two disputes with all three credit bureaus to have this corrected with no success. My credit has been destroyed due to Bayview Loan Serving LLC failing to have my name taken off of this loan. I would like the late payments and the loan completely taken off of my credit reports. Bayview Loan Servicing is engaging in illegal activity by their refusal to correctly report to the credit bureaus. They should not be allowed to conduct their business in this manner.
Consumer complaint received 2021-10-15
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 thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX {$320.00} reported balance Date opened XX/XX/XXXX Delinquency reported XX/XX/XXXX XXXX XX/XX/XXXX. 
This has inaccurate dates and amount due. Iam requesting that this account be removed/deleted off of my 3credit bureau reports and FICO SCORES!
Consumer complaint received 2020-03-29
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: Conn's, Inc. (TX)

I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) XXXX XXXX XXXX 2. ) Conns XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I've submitted a police report and FTC report to Lexis Nexis regarding fraudulent bankruptcies reporting on my Lexis Nexis profile. I was told by the rep from Lexis Nexis that matter would take four days to resolve and remove from my record. Every time I call Lexis Nexis I'm given the run around and told inaccurate information.

Lexis Nexis has continued to drop the ball and not rectify the issue.
Consumer complaint received 2020-03-29
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. (GA)

This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on XX/XX/2020 i submitted a complaint to Trans Union. I asked numerous of times for a re investigation yet they still haven't held up their end of what is stated in their letter time and time again. I have provided a letter from the Bankruptcy court saying they do not report information to the credit bureaus however they report to public record. Public record or Pacer is not the original creditor of this account and can not be used to verify information on a credit report. What Trans Union has done is sent in old dates and saying they verified docket XXXX and never re investigated the document after providing proof.
Consumer complaint received 2020-03-29
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: EQUIFAX, INC. (GA)

This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but XXXX  and experian do not show. I will show you current screen shot of XXXX. Hope this can be resolved asap
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (CA)

Company is using the Corovirus to collect. Saying that I better pay for I die. 

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
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

i paid XXXX for a procedure that i did not receive. the incorret procedure was done. i paid for it with XXXX on my chase debit card, XXXX on an XXXX  credit card and XXXX on second XXXX card. i put in a dispute for all cards. the card that was charged XXXX was paid in full the one that was charged XXXX still had a balance. the one that was charged XXXX was credited back to the account. the one that was charged XXXX was denied a refund because it was paid in full. i called to ask why one card got refunded and the other did not. i did not receive the service that i paid for and was actually injured by the procedure. when i called the credit card company and they stated to protect the MERCHANT, they could not dispute a charge that was paid in full. i sent them via certified mail, all of the documentation for my claim including medical documentation, my complaints to the Georgia medical board and the XXXX XXXX XXXX. they are refusing to credit my account. so i am basically paying XXXX plus the finance charge, for something that i did not receive. as a consumer i have the right to dispute a charge whether paid in full or not. they also threatened to close my account if i continued to make complaints. this would have an adverse effect on my credit.
Consumer complaint received 2020-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I pulled my credit report on XX/XX/2019 because I was about to initiate the process of pre-approval to buy my first house. I was under the impression that I had no debt and a clean report. Imagine the horror to open your report and see charge-offs for three credit cards, and other derogatory remarks with names you have never heard of nor seen before. I had a home chosen already, and I had to walk away from entering a contract due to identity theft and fraudulent activity. 
Wakefield & Associates may or may not be the result of fraud, I can not weigh on either side with pure conviction ; I was never shown validation of the debt, nor had I received any communications regarding this debt or the originator of said account. 
Wakefield 's billing department has far surpassed the allotted time for matters of this nature to be revealed. The only legally sound course of action would be removal. This very account was removed from both XXXX  and XXXX  ; however, despite my attempts to dispute via written and email through XXXX online feature, this account in question was allegedly validated by Wakefields department without informing me and remains on my XXXX report. I still have no answer regarding whom this debt originated from. 
I have sent numerous requests to Wakefield on this matter and made several phone calls without being able to reach an agent due to long hold times. Despite all attempts to establish contact, I have not been successful.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Certified Letter XXXX Debt Validation Letter Account Number:XXXX This letter is sent in response to after I viewed this fraudulent account on my credit profile, I immediately sent a complaint to the CFPB. 
I am requesting that you provide verification of this debt. 

Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I started disputing with CREDIT CONTROL CORP on XX/XX/XXXX. They have never sent me any information about who they are or why they are on my credit. I have never applied for credit with them, and demanded authentication into that matter. IN XXXX I checked my credit and they ADDED a whole new account! They have never sent me any information at all. They have not responded to my requests for validation. They have added an additional account to my credit. They are repeatedly violating my consumer rights and I am very displeased about it!
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (GA)

From XX/XX/2013 until the present date the company XXXX has been reporting information about me to XXXX, XXXX, Esperian, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized XXXX to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted XXXX with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent XXXX XXXX a letter opting out the sharing of my personal information because I am a XXXX XXXX XXXX and this information might place me in danger.
Consumer complaint received 2021-03-15
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: CL Holdings LLC (CA)

This letter is in response to your letter on XX/XX/2021 related to the debt referenced above. I wish to save us both some time and effort by settling this debt. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I am willing to pay this debt for {$300.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$300.00} payable to Jefferson Capital in exchange to have all information related to this debt removed from all of my credit files. 

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Jefferson Capital. The letter will be treated as a contract and subject to the laws of my state. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

1. I took a consolidated loan out from XXXX in XXXX. My required monthly payment has always been {$120.00}. The first loan servicer was XXXX XXXX XXXX XXXX That changed to XXXX . XXXX then changed their name to XXXX. In XXXX of XXXX Nelnet became the collector. 
2. I have always had one consolidated loan payment. The last time I received a correct statement from Nelnet of the actual amount that I paid on my loan was the XX/XX/XXXX statement. I have requested several times and have never received the XXXX or XX/XX/XXXX statements. The XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids i paid XXXX ; whereas I paid XXXX. XXXX. 
3. I called the company on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX claimed that I had two loans. And insisted I did not know what I was talking about. Nasty and surly. None of these phone calls resulted in the XXXX or XXXX statements. Ever. All of the reps stated that they did not have complete access to the files. Half of them were nasty. I have asked repeatedly for the statements to be sent by mail- USPS , XXXX XXXX XXXXXXXX  so that I have a record, as is my right, yet they continue to email me. The company has sent me 2 emails saying that they called me. My phone log shows that they are lying. No Nelnet phone call or voice message. I have written them 5 times. 
4. I want the monthly statements from XX/XX/XXXX until XX/XX/XXXX, with the correct amounts that I have paid to this collector.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation submitted an incorrect balance to my credit report in the amount of {$7200.00}. When the dispute was resolved, I called on XX/XX/2020 to set up a payment plan. I was then told by the representative that the notes on my account were not fully updated and she did not want to take a payment. She asked me to call back in 1 week. I asked her to add notes to my account with details on our conversation so my account would not be flagged for collection and she indicated she had done so. I called back on XX/XX/2020 and made a {$50.00} payment to my account. I was told I would receive a statement in the mail and could make payments every month until the balance is paid. On XX/XX/2020 I received an alert that a collection was placed on my credit report ( again ) by Credit Control Corporation for {$2900.00} despite having set up a payment plan and submitting the first payment. I called supervisor XXXX XXXX on XX/XX/2020 and XX/XX/2020. I left voicemail messages both times regarding my account and have not received a call back.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

I have 3 credit cards with Chase and in the past few months they have lowered my credit limit. I have been at the top of my limit but I have always paid on time and my household has been reduced to one income due to the pandemic and I have never missed a payment. By them lowering my income this effects my credit score. I think during unprecedented times like this big banks should not do this to families and I am curious about the demographic of people most effected by this policy they have in place. I tried to resolve by sending a complaint directly to Chase which they basically said they have a right to to do this because it's in the agreement. I could see if I were missing payments and not paying on time but I have paid on time and in some instances I paid more, they told me I actually penalized myself by doing that. If you are an agency interested in protecting consumers from these legalized loan sharks you should put measures in place to protect us. Because even with my high balances I'm sure if you add up what I have paid, not including interest, it probably exceeds what I actually owe them.

Thank you.
Consumer complaint received 2021-10-14
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. (MI)

I became fully XXXX in 2018. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified Navient of the situation. I applied for XXXX XXXX XXXX XXXX XXXX. For some reason unknown to me, the application for XXXX never went thru. Navient continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to XXXX XXXX XXXX XXXX. When the credit bureaus contact Navient, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from Navient and from the Department of Education!
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXX XXXX  and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score.

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points.

Please help me solve this.

Thanks