davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

Last year in XX/XX/XXXX I had a visit to XXXX XXXXXXXX XXXX XXXX XXXX. After being checked upon by doctors and mentored by nurses, I was advised that everything looked fine and asked to check out at the front desk. The receptionist looked up my insurance information and I paid the co payment of {$100.00} through visa. XX/XX/XXXX, without no letter or notification from this hospital, I seen on my credit report a bill from a collection agency callesd Aargon Agency with the oringinal debt of XXXX to XXXX XXXX XXXX XXXX XXXX. I already paid this bill in full and the hospital said they contacted the agency to have it removed. Unfortunately the debt has not been removed. This has hurt my credit score dropping 140 points. I would like this resolved immediately.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Accurate Background (TX)

On XX/XX/XXXX I mailed a certified letter disputing information on my report and on XX/XX/XXXX I mailed a certified letter to find out the status of the re-investigation to simply get a copy of the original report. You mean all this time I've been waiting for erroneous information to be corrected and they failed to act. 

Investigation took more than 30 days ( not completed ) did not correct the errors Failed to timely investigate the issues
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/. I have asked them for the contract that was signed with my wet ink signature and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Conserve is reporting a debt on my credit for {$130.00}. I sent a certified letter, on XX/XX/2022 asking for documentation and validation of the debt. They have not responded to date ( XX/XX/2022 ).
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (MI)

I have the monthly payment set up on autopay, but they occasionally increase the payment amount by a few dollars. I'll then end up being a few dollars " late '' on my payment, they'll flag my account as delinquent, and charge me a bunch of late fees.
Consumer complaint received 2023-02-22
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. (NY)

My personal information has been involved in a breach with Equifax. This has caused inaccurate information to show on my credit report. In addition to fraudulent activity. I would like ALL negative items removed immediately. I am demanding immediate financial compensation for my mental anguish and time that has been spent correcting these issues.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc. (WI)

I returned a call from the Stark Collection Agency. 

They asked for my birth date. 

I refuse to give either my Social Security number or Birth Date or  other personal information to an unknown agency. 

They would not provide information so that I could be sure the debt was mine. 

To my knowledge I have no outstanding or overdue debt and they would not provide information that would allow me to verify the debt. 

I asked that they not call my number if they can not provide me information that the debt is mine.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

Student Loans were originally serviced by Sallie Mae. In XXXX, I filed Chapter XXXX bankruptcy and they were included and they were discharged in XXXX. Now Navient continues to try to collect on the original loans. I have contacted them and they say that I still owe debt. So as result i applied for forebearance. Navient is under federal investigation for this very issue ( trying to collect on debt after it has been discharged through bankruptcy ).
Consumer complaint received 2022-09-16
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. (KY)

Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-08-06
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. (CA)

This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NV)

Paid in Full with the original company still reported on my credit with XXXX  original creditor was Paid In Full XXXX ... 

INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Account Details Account Details Payment Status Account Number # XXXX Name EOS CCA XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$160.00} Original Amount {$160.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$160.00}
Consumer complaint received 2022-09-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I filed complaint before XXXX .I had about {$2000.00} taken from my savings account and I received nothing each time I tried received same message error see financial institution no money I called bank and was told to keep trying I did did not realize money taken out when I did report it 5 resolved error occurred but at least 4 said no error I did not receive any when XXXX reported back to XXXX she said 7 were denied because they were illegal because used at gambling institutions she now said my account was being closed and I cant do anything about it
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I have faxed in two requests and mailed two separate letters to SLS regarding the removal of PMI from my account. I have not received any type of response. CFPB complaints seem to be the only want this company responds to basic service requests. 

No house in my neighborhood has sold for under {$230000.00} in the last 24 months. REMOVE PMI FROM THIS ACCOUNT. Run a brokers price opinion if needed - you will see the increased value and the recent sold him prices. 

Thank you,
Consumer complaint received 2024-02-29
Product: Credit reporting 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)

I filed a complaint against XXXX XXXX for reporting an unverified bankruptcy on my credit report. They sent me a letter saying they were going to remove it and never did. This is causing me harm.
Consumer complaint received 2022-09-16
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. (MI)

I have new and updated information regarding Equifax and XXXX. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.
Consumer complaint received 2021-02-15
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: Sebrite Financial Corporation (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SEBRITE CORPORATION Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

This debt collector is trying to collect a debt and when asked if we wanted to pay in full we said not at this time and we will when we get extra money. They tried to do automatic payments and we said no you guys called at the wrong time but we will pay it. They proceeded to threaten to find us at work and how they would ruin our credit.. this is no way to talk to anyone! 
XX/XX/XXXX I received 2 calls in a matter of 15 minutes.. my significant other received 4 times with having to hang up on them and now we might pursue speaking with a lawyer about the harrassment
Consumer complaint received 2019-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXXXX/XX/XXXX at XXXX I contacted Navient and requested a copy of the Promissory Note for the loan. I received the first piece of mail with a copy of the XXXX XXXX Application pages 1-3. Pages 4-11 explain the terms of the promissory note and no  promissory note with loan amount, term, interest, repayment and my signature validating a debt owed. 

On XX/XX/2019 I called back requesting for the promissory note copy to be mailed and representative stated it was mailed and the second should arrive the week of XX/XX/XXXX. I did not receive this document. 

I contacted Navient again todayXX/XX/2019 requesting the Promissory Note and representative stated in his system only one request was submitted on XX/XX/2019 and he has submitted a second one today, XX/XX/2019 and expect to receive no later than XX/XX/2019 ( 7-10 Business Days ). 

I asked the representative to pull the promissory note from his system. He stated there are 12 pages including the cover page. Pages 1-3 are the XXXX XXXX Application and pages 4-11 are the explanation of terms of the promissory note. I asked  representative where the Promissory Note that has the Loan Amount, Term, Interest Rate, and my signature and stated there is no document in his system. Representative repeatedly stated the XXXX XXXX Application stated the Loan Amount, the  interest rate, terms and my signature. I stated each page 's information, representative confirmed. Page 1 is the Borrower 's & Citizenship information, and College Information. Page 2 is Reference information, Co-sginer and Cosigner Citizenship. Page 3 is Loan Amount Requested, Loan Options, and Signature. 

Navient is required to have and be able to provide a copy of the Master Promissory Note, the legal document in which you promise to repay your loan ( s ) and any accrued interest and fees and explains the terms and conditions of your loan ( s ).
Consumer complaint received 2022-09-16
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc. (ID)

On XX/XX/2023, I used the taptap send app to send an amount of {$1300.00} to a XXXX account ( Gtbank account no : XXXX Account name : XXXX XXXX XXXX to deposit XXXX XXXX  into the account base on the rate of {$1.00} to XXXX naira. 

The money was debited from my chase account with debit card ending XXXX but the money was not delivered to the destination account. I sent a mail to XXXX to complain and i was told that the issue will be resolved within seven business days. However, the matter wasn't resolved and after several calls, taptap send replied with a mail on XX/XX/2023 that the money have been successfully delivered with a receipt bearing that the money was deposited by fincra on behalf of taptap send. I replied with account statement of the recipient and evidence from the bank ( XXXX ) stating that the transaction by fincra was not successful. 
since then i have been calling taptap send and they have not been giving me any satisfactory answer except that they are still working on it transaction ID : XXXX Attachments are in this order account statement of recipient for XXXX and XXXX, receipt sent to me for deposit by fincra and evidence from recipient bank that the transaction wasn't successful because of no response from fincra and lastly receipt from taptap send when they debited my account feel free to contact me for any clarification Thanks
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Atlantic Credit & Finance, Inc. (HI)

A judement against me came up during my home purchase process. I have maild a copy of judgement along with a check to cover the amt owed on XXXX XXXX Check has been cashed and I'm requesting a release statement and recordable document to provide to my mortgage lender. Company states debt was sold to another company however they cashed my check. I've been calling this company since XX/XX/2019 after my check was cashed. I've called several times in a day only to talk with someone I've been placed on hold and transferred to several people. Spoke to a XXXX XXXX who said my account was sold to iXXXX. I can't get any answers.
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (IL)

I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Im a veteran with a VA loan. My mortgage has recently been transferred from XXXX XXXX to Mr Cooper at the end of XXXX. Meanwhile I sent XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX as I only became aware of this transfer after I submitted the payment. So far Mr Cooper hasnt been helpful even though I provided bank statements and mortgage statements from commerce that XXXX payment has been made. Recently they threatened me to report credit bureaus. Please help!
Consumer complaint received 2017-12-22
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. (CO)

XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
Consumer complaint received 2019-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (CO)

XX/XX/XXXX I signed up for a credit builder account with SelfLender, now its Self.com. I spent 12 months paying {$89.00} to accrue as a CD. At the end of the CD Maturity, {$1000.00} was given back to me minus {$100.00} that went to a secured credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I signed up for another credit builder, I paid {$48.00} for 12 months again, at the end of the CD Maturity date, Self sent me a letter dated XX/XX/XXXX Certificate of Deposit Maturity Notice This is to inform you that your Certificate of Deposit XXXX will mature on XX/XX/XXXX in the amount of {$530.00}. This Certificate will not renew automatically and interest will not accrue after the maturity date. The amount of the Certificate will be deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX. 

On XX/XX/XXXX I received an email from Self Over the last 12 months you were able to establish payment history with the credit bureaus and save an estimated total of {$530.00}! 

Your estimated payout of {$39.00} will be electronically deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. 

They do not give a valid reason to take {$500.00} of WHAT I paid for every month for 12 months. I paid {$100.00} for a secured credit card and since XX/XX/XXXX, I have increased my secured card limit by making payments on time to my card, they sent me notifications to tell me that. In fact, prior to this email being sent, Self offered me to increase my credit limit because I made payments to my credit builder account on time. 

This letter telling me that I will receive my {$530.00} to my bank account is unlawful. I've reached out to two people via email and I keep getting told that the {$500.00} is to cover the {$600.00}. 

At NO time did they tell me that the credit increases from XX/XX/XXXX to XX/XX/XXXX would have to be covered by the XXXX XXXX account.