davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST (WI)

The XXXX XXXX XXXX ( henceforth referred to as XXXX ) attempted to collect a debt that where no debt validity was ever sent. XXXX claims a validity letter was sent on XX/XX/XXXX. What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX We moved to XXXX, XXXX  XXXX miles away. in XXXX of XXXX XX/XX/XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. XXXX cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which XXXX says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that XXXX takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least XXXX company could do is remove the collection, one of my only negative credit marks.

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
Consumer complaint received 2020-04-14
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. (GA)

There a debt collector on my Equifax report that has a strange name .... XXXX ... this is how it shows in my credit report. This is not mine and I contacted Equifax to remove it. They have not removed it after I stated to them that I am a victim of identity theft.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDIND LLC ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEVADA ) I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEDGED DEBT. NONE RECIEVED/NO RESPONSE ALLEDGED DEBT HAS BEEN REPOTED TO THE NATIONAL CREDIT BUREAU/S .
Consumer complaint received 2020-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Bread Financial Holdings, Inc. (MI)

At the end of XXXX I was notified that XXXX acquired XXXX XXXX XXXX from Commenity Bank. XXXX even sent me a credit card when they had acquired XXXX XXXX XXXX. It said I could start using the card immediately so I went to use the card and it said it was not valid! So I spent over two hours on the phone with both credit card companies. First I talked to XXXX  at XXXX XXXX   at XXXX. I talked to XXXX and XXXX, where I was escalated to a supervisor, XXXX  ( sp? ) Then I was transferred to XXXX, a MasterCard System supervisor, then to XXXX, Senior Account Specialist, who stated they had no clue why I could not get a card. I have been a card holder since 2007. NEVER been late. Only owed {$280.00} and was actually paid ahead. They stated that it looked like I had " fallen thru the cracks. '' Then I was transferred to an Account Specialist named XXXX who encouraged me to send a certified letter to the CEO XXXX XXXX at Commenity Bank XXXX XXXX XXXX XXXX Oh. XXXX which I did. Then on XX/XX/XXXX I received a form letter from " Customer Care team '' stating they had received my complaint and to give them 90 days. Then on XX/XX/XXXX I get the EXACT same letter from the same place, the same complaint #. So I gave them 90 days and sent another certified letter signed for on XXXX at XXXX XXXX. saying your 90 days are up, what in XXXX is going? Instead on XX/XX/XXXX they sent the SAME exact form letter to me and telling me to give them another 90 days!!!! I just recently applied for a loan that my credit score was XXXX! Higher than 67 % of the people in the country! This is ridicules! There is NO justifiable reason to not transfer my account and I was NEVER given the reason. Which I am entitled to ....
Consumer complaint received 2020-04-14
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: AMERICAN HONDA FINANCE CORP (MA)

My daughter leased a new car with Honda Financial Service and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new Honda on XX/XX/XXXX. XXXX Honda in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that Honda pays that. The manager of XXXX told me the lease was closed and all set. Honda Finance told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that Honda pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at Honda Financial and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

Hi - I have several synchrony bank loans that I acquired to purchase furniture. However making my monthly payments is difficult because their phone system always has complications finding my account, when I go online it says I have to call because I have several accounts. When I call and the automated system doe snot find my account and I talk to their representative sometimes I am told I only have 2 accounts, sometimes they tell me I have 3 and sometimes that I have 4. 
I have the money to make my monthly payments. All I want is information from Synchrony Bank on what are the account numbers I have with them, how much I owe in each and what is my monthly payment and due date. FOR ALL MY ACCOUNTS. 
I am trying to pay my debt off, and this company seems to systematically make it hard for me to do so. They call me every day to my cell phone and when I answer they hang up or no one in there, I say hello multiple times and no one answers. 
PLease help me pay my debt. 

Thanks.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

I am being charged for utility services that were given to argon collection agency as a debt for service s from XXXX to XXXX of 2019, I was not living in the residence that had used that services therefore that debt does not belong to me
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I sent Experian a letter and an attachment filing showing that im the creditor of an account and I ask them to proof that Im not the creditor and if they can't prove it then delete the account XXXX XXXX on my credit report.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TN)

In the light on COVID-19 my partners job has been considered nonessential and he is temporarily out of work. I am considered essential as I work in a XXXX  and am still going to work. We chose to back out of the contract and DR Horton agreed to let us do so since we are only now working off of one income. When we received the denial letter from DHI Mortgage under my name- XXXX XXXX XXXX it said " Unable to verify employment '' " unable to verify income '' this is not so considering I am still working and the " income insufficient for credit amount requested '' could have been checked. I contacted the Mortgage loan officer, XXXX XXXX, who was working on the loan and he said that it doesn't matter because once they send the letter it can not be taken back. The information was reported incorrectly by a loan officer who was negligent with our loan to begin with. He kept trying to push my partner and I into an FHA loan even though we fully qualified for a conventional loan. We had to tell him multiple times that a FHA loan is not what we wanted. He was negligent with our dates on our new build. The list goes on
Consumer complaint received 2020-08-04
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. (GA)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX TX to do a preventive service ordered by my primary doctor. A mammogram was perfomed and XXXX sent me the bill. I sent several emails to their company with proof of payment from my insurance company XXXX XXXX XXXX. We spoke in three way call with insurance and people from hospital and said everything was covered. 

Now I am receiving calls and bills from medicredit a about telling me I still owe this money, even when I sent emails to XXXX and XXXX I contacted XXXX accounts directly, I have spoken with XXXX different persons and they said they have no proof of payment.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.
Consumer complaint received 2020-04-14
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. (NJ)

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX  AND EXPERIAN AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND EXPERIAN AND XXXX BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX AND EXPERIAN AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Consumer complaint received 2020-08-04
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. (GA)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Consumer complaint received 2020-06-14
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MD)

Navient sent a letter to my grandparents to try to get them to have me contact them. I have submitted a request to have my student loans forgiven through FSA due to fraud from the college ( XXXX XXXX I attended and that is pending a decision. I will not contact Navient until I know if my loan has been forgiven or not. 

My grandparents are not in good health and my grandfather is now worried Im financially unwell due to the letter from Navient. He does not have much more time to live and now hes concerned for my well being in his final days.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ). 
are incorrect. I request TransUnion to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), do not belong to me, and I request TransUnion to remove them from my credit report.
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

DEAR MADAM/SIR, CFPB : Savit Collection Agency, send me a letter dated : XX/XX/XXXX. and it was received on:XX/XX/XXXX. The collection Agency above is asking me to pay them, {$100.00} do to XXXX  visits in the past year, XXXX. This payment and or payments where already PAID IN FULL bye XXXX, my insurance company part B. PAID ALL THE PAYMENTS TO THE XXXX. And I do not owe anything to the Collection Agency.. Respectfully yours ; XXXX
Consumer complaint received 2018-10-04
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. (NC)

They are the only reporting agency that is inaccurate in reporting XXXX XXXX  XXXX XXXX and XXXX. It was part of fraud. But they are saying I paid it so it must be mine. No I paid it try to save my credit. Finally XXXX XXXX sent me a letter saying they would remove the accounts. They have been removed from all bureaus besides this one.  The lates were updated but wrong.
Consumer complaint received 2020-04-14
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 
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 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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and adequate information on my credit report. 
My personal information on my credit report is inadequate as well. I have requested to have my addresses, phone numbers, and name corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

My previous loan company that had been assigned to me was naviant. They told me that if I made 3 consecutive payments of I beleive {$300.00} on a specific date for three months in a row that I would qualify for an assistance program that would then secure me me making around a {$30.00} to {$40.00} payment each month for the next 64 months. I made two of these payments, and submitted my information ( which I was told they never received ), I then submitted it again, from which I heard nothing back from them. Shortly after making the second payment of {$300.00}, Navient was no longer the company I dealt with and I was assigned to a new company. I have patiently waited to see if that {$600.00} payment would ever show up on my credit report, and assumed the delay in its appearance was due to the pandemic. I recently saw an article that stated navient had been acknowledged for some deceptive tactics regarding student loan debt. I graduated college with a XXXX XXXX, and a XXXX XXXX XXXX. I would have liked to continue my education and obtain higher credentials so that I would hopefully obtain more opportunities for higher salary paying jobs, however, the interest is astronomically high on student loans and being that I am a XXXX XXXX XXXX XXXX  along with inflation, furthering my education does not seem like a very smart option at this time. I am worried that the upcoming absence of the deferred payments will require me to have to commit to the monthly payment I had tried to avoid prior to agreeing to.the terms of navients arrangement. These payments come to between {$250.00} and $ XXXX from what I've seen on my paperwork. Money is tighter then ever and I am literally living paycheck to paycheck. I am wondering if Navient fraudulently set me up on a plan that was set up to not be possible, and took my {$600.00} for whatever reason except to go towards any of my loans. Thank you for your time.