davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (VA)

I took out a Discover Student Loan to cover the additional cost of my education, especially when I transferred schools. 

The relationship started to sour 2 years ago, they stopped sending me billing statements. For 3 months, I had to call and harangue them about sending me statements, which every month they said they would send me a copy and correct the problem. It wasn't until I threaten to report them, did I start getting them regularly. 

As COVID-19 began ramping up, I contacted Discover Student Loans to find out whether or not it was possible to pay off my loan balance with a settlement offer. While I understood that it wasn't their policy, I wanted to understand what were some of my options. My questions were met with hostility. 

A week later my billing statement increased by {$100.00}. 
As I said to their customer representatives, anytime there was an adjustment to my account, I received a letter before the change - this time it seemed retaliatory for my previous complaint. I explained that I have never been late, I always pay more than the minimum amount and have all my previous emails and bills going back a year. 

One representative said he saw in her a computer that my bill did go from {$350.00} to {$460.00}, but was unable to explain it. He said he would send out an investigation report and they would give me a call back in 2-3 days. A week later, I called again with the same complaint and again the representative saw my complaint and looked into it with another team member and was unable to explain why it happened.

When they transferred me to a supervisor, the records that had once showed that my payments were {$350.00} for over a year, MAGICALLY disappeared and they SUDDENLY had records showing that my minimum payment was always {$460.00} going back to 2012!! I was incensed - and I wanted an answer immediately.

Again, I was told my another supervisor that I would be called in a few days. 
Those days have passed and I still have no answer and I have a bill {$100.00} higher and with no explanation of why -- in the middle of a pandemic! If their loan practices aren't illegal, it most certainly is unethical. I shudder to think of young college students at the mercy of their predatory hands. 

Now I am filing this complaint. 

NEVER, EVER take out a Discover Student Loan! 
They are horrible to work with and it's impossible to get rid of.
Consumer complaint received 2017-10-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NY)

Navient is calling my mom at her work. Navient is calling my XXXX  and my XXXX XXXX XXXX ... and we do n't even share the same surname. I 'm not sure how or why they 're going after my XXXX  and XXXX XXXX.
Navient calls my work as well after I have asked them in writing to stop contacting me on a daily basis and to please contact me only by mail.
Consumer complaint received 2020-04-02
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)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (DE)

I am a victim of ongoing identity theft, my Social Security card, birth certificate, ID, Social Security card, as well as other financial tax documents, were stolen from my house years ago. I filed a report with the ftc and my local police provided vw credit with this info and they failed to delete this from my credit report or send me any documents that this would be deleted. I reached out to Volkswagen credit multiple times in regards to this XXXX XXXX XXXX that someone stole my identity to co-sign on and obtain. Today I spoke with a manager and she said she was sending me another packet after I waited weeks already!! I do plan to obtain a attorney if this is not resolved
Consumer complaint received 2021-01-12
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. (WI)

I have disputed the account balance with the credit bureaus. XXXX refuses to update the correct balance. My XXXX account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX XXXX for which I pay on every two weeks and payments are submitted to XXXX. My current balance is {$6500.00}. XXXX continues to report the credit bureaus that my current balance is {$9500.00}.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND WHT TAT MEANS IS SOME ONE STOLE MY INFORMATION AND PRETENDED TO BE AND OBTAINED A LOAN THAT IS NOT MINE. NOT ONLY MY CREDIT WAS STOLEN, ALSO MY EMAIL, OUR MAIL BOX AND BANK ACCOUNTS. NUMEROUS TIMES I HAVE REACHED OUT TO CREDITORS AND WITH PROOF THEY WERE ABLE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. BUT THIS ATTORNEY KEEPS SENDING ME LETTERS AND REQUESTING TO SETTLE SOMETHING THAT IS NOT MINE. I DON'T UNDERSTAND IF THE CREDITOR HAS ALL MY DOCUMENTS OF PROOF THAT THIS ACCOUNT WAS FRAUDULENT WHY IS THIS ATTORNEY ASKING FOR MONEY. 
AT THIS POINT I BELIEVE THIS IS A SCAM AND THE ATTORNEY IS TRYING TO COLLECT MONEY.
Consumer complaint received 2020-04-02
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: SYNCHRONY FINANCIAL (VA)

I can't remember the last time I made a payment on my Synchrony Financial Credit Card which was XXXX and Paypal because I am on XXXX I only make {$780.00} a month and I can not afford to make payments on that credit card. I would like them to forgive my loan.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

The company is reporting that i was 30 days late three times. This account is on autodraft and I have never been late paying the bill on time because it automatically comes out. I have submitted a dispute to the company and to the credit bureaus with proof of on-time payment and have not gotten a response or my account info updated
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

company calls from multiple numbers everyday. Have to them to send anything via postal service. The also never leave message and name comes up on caller ID but they have never said who they are or why there calling. Every single day and have never gave them number or permission to call me.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Ive requested validation of this debt twice in XXXX of 2020 which the company acknowledged. I also informed them of my XXXX XXXX military status to which SCRA laws apply. Not only has this company refused to send any form of validation ( signed contract & proof of their rights to collect ). They havent even adjusted the amount owed to abide by SCRA which grants no more than 6 % interest on any loan. This company is having a huge impact on my career, my credit worthiness and my security clearance.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (WA)

inquires on my credit report that i knew nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  says its on file till XXXX XXXX XXXX could not reach anyone at this number inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand.
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO Bank, N.A. (MN)

XX/XX/20 called to obtain my payoff balance, so that I can pay off my loan. This is important as we are working a financial plan due to my XXXX diagnosis and treatment, and loss of job. BMO Harris requested information in order to verify me that they never collected at the time of the loan ( cell phone ). I gave the land line we used for our loan application, and while it matched their records, it was not a mobile number, therefore I couldnt be verified. I was left on hold for an hour while security questions were gathered to verify me as the loan owner. I was asked a series of questions about which streets were closer to my lake home than others. I of course have ZERO idea what street names are near us, let alone those in towns over an hour away. I am seriously concerned that this is how verification works? Really? I was told since I couldnt answer those questions, the bank was refusing to provide my loan balance so I can pay it off. I was instructed to go to a local branch, however, I am undergoing XXXX and cant leave the house right now. XXXX told me ( supervisor I was escalated to ) that I would have to visit the branch, pay for a notarized ID before anyone would provide my payoff balance. So ... from what street is closest to your lake home to NOTARIZED IN PERSON? Seriously flawed system.
Consumer complaint received 2020-03-24
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: ALLY FINANCIAL INC. (NJ)

Ally Financial Bank response on the XX/XX/2020 to my claim with documents that I have recieve via mail, how ever Ally Financial bank fail to send me full documentations of the ducuments I requested to be provide. I requested a signed contract between my person and Ally Financial, what I receive was a contract that belongs to another company. Also Ally Financial fail to send me the bill statement that shows for how much they sold this account to XXXX XXXX XXXX together with all my CONFIDENTIAL PERSONAL INFORMATION.
Consumer complaint received 2020-03-24
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2020-03-24
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)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (NJ)

My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) XXXX  ( File number XXXX ) Experian ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

AMERICOLLECT INC Has illegally placed 3 collections for a total of XXXX dollars on my XX/XX/XXXX consumer report, they have violated my FDCPA rights by not contacting me before reporting this fraudulent debt, they have also failed to validate this debt as it was an result of Identity Theft, and they have illegally shared my information without my consent.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

Debt collection company contacted family members in regards to " Locate me ''. Yes, they have tried to contact me an I have not returned there calls but my phone number has always been the same and not disconnected with the same voice stating that you have reached me. The company specifically named it self to my family members, not stating that they are trying to collect a debt but that can be changed with one XXXX search away. How are debt collection companies able to research this information and contact third party 's without there consent? Family members are now worried that there information has been comprised.
Consumer complaint received 2020-04-02
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: EQUIFAX, INC. (NJ)

My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?
There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports. 

Equifax ( report confirmation XXXX ) XXXX  ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NC)

I do not owe any debt to this collector. While this collector did very a debt with a completely different company they do not and can not state that any debt is owed to them on my behalf. The collector issued a cease and desists on XX/XX/2023 but resumed reporting on XX/XX/2023. Please see attachments
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals sent. No response has been received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX # XXXX XX/XX/2018 {$8900.00}
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2020-03-23
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)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX XXXX {$4900.00}
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

I should remember actually date because I came XXXX  three years ago till now especially with discover credits and XXXX XXXX with XXXX XXXX even XXXX XXXX are not reporting the right figure someone when to fit wrong impression on my XXXX XXXX that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation