davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit Service Inc (WI)

This is a medical debt that should have been paid by Medicare/Medicaid I thought. Was getting billed thought they were just waiting for the claim to come through to them. Contacted them and they said I had to provide documentation from the government that I was on assistance at that time. I was, but there might have been a confusion at the time because I was dealing with the State of Wisconsin at the time. So I don't think I owe this and should have been paid by Medicare/Medicaid. Along with this I am now on Social Security XXXX and I am on a very limited income, so I honestly can not afford this.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been trying to resolve this problem with this cvollection agency with no aval. The original creditor charged the wrong insurance company, I spoke to them and gave him again the correct health insurance to be paid. I sent to XXXX   copy of my card insurance to get paid but yet still reporting wrong information on my credit report. 

They just ignored my request ( XXXX ) and didn't even call their client to see if they got paid already. like I told you before My insurance will pay this bill, the hospital billed the wrong insurance company.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Client Services, Inc. (TX)

I had a XXXX XXXX account in collections. I was told by the debt collector that if I paid the outstanding balance that the negative information and late payment history would be removed once paid. I paid the agreed settled amount of {$93.00} to Client Services who collects for XXXX XXXX as their in-house collections, that the debt and history would be removed within one business day. I have checked my credit report and still see that there reporting an open collection with XXXX XXXX and a history of late payments. I feel this is Deceptive Trade Practice to tell a consumer if you pay, we delete. The account remains unchanged from my credit report by XXXX XXXX. Account
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

I closed my account with Navient and I told Navient to cease contacting me because I was threatened by several of their customer service agents. Navient keeps telling me that they are putting in police reports against me about things that never happened. Navient contacts me everyday with frivolous matters or Navient calls me and threatens to send the police after me for not paying my debts. They keep calling, emailing and mailing me letters even though I asked Navient to cease and desist contacting me. A woman named XXXX XXXX and XXXX XXXX keep contacting me everyday. ( XXXX and XXXX also lied and said they were from the US DEPT OF ED but they are from Navient ) Navient is unfairly harassing me at this point. I closed my loans with them and my loans are being serviced through a new provider due to Navient threatening and harassing me. I want the unwanted harassment to stop. My account is closed with Navient, they have no reason to contact me everyday.
Consumer complaint received 2019-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

They changed their website in XXXX which made it difficult to make online payments. Ive always paid my loan and this is the last year of payments. They raised the interest with no explanation. It took multiple times to pay it and often they didnt pull out of my account. I called yesterday because I found out they reported 60 days late. They told me its my problem not theirs. I opted for direct withdrawal and they told me if it doesnt come out of my account it is my problem. This is a bad way to do business. I dont have time to babysit their payments. I have good credit and I dont have time to babysit a lender. I want it off my credit.
Consumer complaint received 2019-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all
Consumer complaint received 2019-04-19
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)

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX   Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX   Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX Date Open : unkown Balance : unknown
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is for all three big business bureaus XXXX, XXXX, TransUnion. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the XXXX. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I sent a certified letter to Experian requesting validation bearing my signature on an account they are reporting for XXXX XXXX. On XX/XX/2019 they sent a response saying that the account has been verified as accurate but they provided my documents and placed no dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I requested a description of the procedure used to determine the accuracy within 15 days along with the names and phone numbers of the people they spoke with and reporting the dispute remarks not on there. On XX/XX/2019, they sent yet another " verified as accurate '' response with no documents and no dispute remarks placed.
Consumer complaint received 2019-04-19
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. (GA)

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX  Date Open : unkown Balance : unknown
Consumer complaint received 2020-12-23
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. (MT)

over the past 6 months I have been totally neglected by Transunion in regards to removing fraudulent information on my credit report. I was a victim of theft and they have not been any help. I have submitted my disputes along with the proper supporting documentaion several times. I spoke to someone this week and they totally violated the fora 605 b and did not act accordingly.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (FL)

Honda Financial Service, is the bank I have my XXXX XXXX XXXX    Finance, and has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan. I make all payments on time. I contact Honda Customer Service and they said that the bureaus don't want to accept the reports, and the bureaus said the Honda never had sent anything and that they don't denied any report because it was never sent. 
I need it update because I'm looking to buy a house and I need those installment payment on my credit
Consumer complaint received 2019-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bay Equity LLC (CA)

On XX/XX/XXXX my husband and I finally bought a duplex. My sister ask if she could co sign for us. We moved to the duplex on XX/XX/XXXX, I live in the front house and my sister moved to the back house agreeing to pay XXXX per month. On XX/XX/XXXX my sister decided that she wasn't going to pay me anymore rent because she had rights. My sister told me that she was on the house Deed therefore she was also the owner of the house. My sister di not give any money towards the purchase of the duplex. The Lender Bay Equity LLC for some reason decided to add my sister as part owner. Now my sister hired a Lawyer and is asking XXXX plus Lawyer fees. I don't have any money. Its there anything I can do to avoid my sister take advantage of the trust that I had with her. She is trying to commit a Fraud with me. All because I refuse to let her live rent free. Please help me. I have all the documents that show that my husband and I were the only hones that came up with the down payment towards the duplex. Thank you very much for your time. XXXX cell XXXX XXXX
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (KS)

As part of my loan application, I paid an appraisal fee to my bank, Wells Fargo to perform an appraisal. I counted on this to establish the value of the house, and make sure the seller was reporting this properly. No appraisal was done by the bank. I was not provided with an appraisal or statement of valuation. I was concerned about this. Before closing, I told Wells Fargo that I did not want to close because I had no appraisal. They informed me that if I did not close, I would be sued by the seller. I was never informed of my rights not to close because I never received an appraisal. I asked a lawyer, who also said I would be sued. I was not aware of my rights when I closed. Wells Fargo provided me with an appraisal waiver notice to sign at closing today, but never at any time did I waive my right to review an appraisal and I paid appraisal fees up front to the bank that an appraisal would be performed and provided. They did refund my appraisal fee as a credit during closing, but this was the only notice I received that an appraisal would not be done or available. I feel as though I have been badgered into closing for fear of being sued. The bank did not inform me of my rights. They did not provide an appraisal or statement of property valuation.
Consumer complaint received 2019-04-19
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. (TX)

On XX/XX/2019, I sent a certified letter to Equifax requesting validation of an account they are reporting under XXXX XXXX including copies of my signature and if they could not provide said documents to delete the account. On XX/XX/2019, they sent a response saying the account was verified as accurate but failed to provide the requested documents or place dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again requesting said documents and requesting a description of the procedure used to determine the accuracy within 15 days and asking for the names and phone numbers of the people they spoke with to verify the account. On XX/XX/2019, they responded with a simple " the account has been verified as accurate '' and again provided NO documents that were requested and have again failed to place the dispute remarks on the account. Due to their repeated failure to comply with federal and state reporting laws, the account must be deleted.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (UT)

Common Wealth is reporting an erroneous debt on my credit file that is not mine. First of all I did not receive any letters, calls or notices about this debt. When I pulled my credit I noticed this collection and called to see what the debt was for. The address they had on file is not mine and has never been mine. The date of birth also was not mine. I tried to call the hospital listed on this collection and that hospital doesn't even exist anymore and hasn't for a few years, this hospital was located somewhere I've never even been. They have violated my 30 day right to dispute on top of applying a collection to my credit THAT IS NOT MINE. I need proof that this is my debt, including a signature, if not I need this removed from my credit file.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EASTERN BANKSHARES INC (FL)

Eastern Bank Auto Loan, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2017, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Consumer complaint received 2018-09-14
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)

I had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.
Consumer complaint received 2020-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (WA)

I sent many emails to Mobiloans trying. I tried setting up a payment plan on the principal only of the {$2100.00} loan taken. They were unwilling to work with me on any payments. They called my home, cell and work day in and day out, even after I requested written correspondence only. Once I found out and notified them that they illegally operated in the state of Washington and that all interest under XXXX must be refunded they stopped contacting. but they have continued to put on my credit report causing serious damage to my score.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a financed approved in XX/XX/2017 for my XXXX XXXX thru Capital One auto Finance, and I'm making payments since them and it did never being report to the credit bureaus