davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE EXPERIAN TO REFLECT SO.SEE CFPB COMPLAINT NOXXXX, DATED XX/XX/2016.
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.
Consumer complaint received 2019-10-14
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Harvard Collections, LLC (AR)

COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE XXXX TO REFLECT SO.SEE CFPB COMPLAINT XXXX, DATED XX/XX/2016.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX reported to Equifax that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called XXXX to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the 92 point drop in my score fixed as I need to purchase my car and the credit score of XXXX from Equifax is affecting the loan.
Consumer complaint received 2018-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

In XX/XX/2017 i went to the emergency room for pain. The Dr spent 10 minutes with me, told me I had XXXX XXXX XXXX XXXX  and prescribed a medication. 
The next day I contacted my personal Dr to follow up. The XXXX XXXX XXXX XXXX was from a medication I was on for XXXX XXXX, and the emergency room Dr clearly knew this as it turns XXXX XXXX XXXX! 
The medication he prescribed made my condition worse, as it turned out to be a XXXX XXXX..something he never tested for. 
I feel that service was not delivered and therefore i should not owe this bill. 
I also carried very good insurance at the time ... in contacting them, they claimed there was nothing they could do as hospitals always win these disputes!! 
Please advise what can be done from here. 

Thank you in advance - XXXX XXXX
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

PHH Mortgage reported to XXXX that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called PHH to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the XXXX point drop in my score fixed as I need to purchase my car and the credit score of XXXX from XXXX is affecting the loan.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

My loans ( 2 ) were transferred just after funding, and prior to first payment. Payment was already set up electronically as per the instructions at closing. Payment was made electronically on time but wasn't credited for over 10 days. I expect my payment to be posted and principal and interest calculated on the day payment was received by the originator as directed. I have called to make this request only to be given excuses. I have also emailed the new servicer. I have included the email sent to the new servicer here : loanservicing@shellpointmtg.com Loans XXXX My loan was recently transferred to Shellpoint from XXXX. 
The first payment on the loan was Due XX/XX/2019 as the loan just recently funded. I closed on the property and flew to XXXX for the month of XXXX. In order to make sure payment was made on time, I had set up electronic payments to the lender ( XXXX XXXX ) before leaving the country. 
When I arrived home, I find that XXXX transferred the mortgage to Shellpoint. XXXX received my payments on XX/XX/2019, I called Shellpoint to make sure that payment was transferred only to be told it was my responsibility to sent supporting documentation. I was dismayed by the response. I followed up with XXXX to make sure payments were received and would be forwarded to Shellpoint, which they verified. 
I looked in the Customer Service Portal on Shellpoint and see that payments were credited as of the XXXX of XXXX. Due to the poor timing of this transfer, I expect payments to be credited on XX/XX/2019, the date they were received by XXXX Mortgage. I have attached copies of my bill bay payment trackers and reciepts from my credit union for your verification. 
I will also send copy of this message to the Consumer Financial Protection Bureau in the form of a formal complaint and violation of 12CFR Part 1024 in regards to mortgage transfers. 
My experience with your customer service department has been very frustrating. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX I included attachments with the email that I will add below Thank you, XXXX XXXX
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX 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 XXXXXXXX 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (UT)

Credit Acceptance is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid, I got really slow at work. I work XXXX XXXX and work just came to a stand still for a little for me and it was hard to make my payments on time. I did not mean to be late and paid the account as soon as I could. I ask that Credit Acceptance please make a one time goodwill adjustment and remove the late payments. I was never late prior to this and have been in good standings since.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Submitting another complainr as more has come to the surface now about misconduct by both XXXX ( the leasing office ) and " Columbia Debt Recovery ( dba as Genesis ) ''. XXXX sent our " rental debt '' to collections saying that me and my roommate XXXX owe them {$22000.00} from back in XXXX. I just happened to take a look at my credit score the other day and it was lowered by XXXX points and their was a huge derogarotry collections mark. I had NO notification about this. I just happened to stumbled across. This is The leasing office that sent us to collections -- >XXXX XXXX XXXX Not only did the collections agency " Columbia Debt Recovery ( dba as Genesis ) '' never contact me or present a right to dispute, but the are also charging interest 7 % interested on this " rental debt '' and have tacked on hundreds of dollars already on top of the XXXX. They are NOT allowed to do this since we filed for economic hardship under the COVID 19 tenant relief act XXXX which clearly states " Landlord may not charge late fees for nonpayment of rent between XX/XX/XXXX and XX/XX/XXXX to tenants who have attested they are experiencing a COVID-19-related hardship ''. 

We filed for this on XX/XX/XXXX. Our XXXX Application number is XXXX however the " Genesis '' collections agency has claimed they are charging us 7 % interest as a late fee on this debt! They are not allowed to do that. 

The second issue that the landlord at XXXX XXXX XXXX XXXX  notified us past the date they were supposed to about renters asssitance before it was wayy too late. It's stated in the COVID 19 tenant relief act SB91 that it " Requires landlords to notify all tenants who owe back rent about the availability of their rights and the rental assistance program via an informational notice by XX/XX/XXXX ''. They first notified us about this on XX/XX/XXXX as shown in the screenshots from the email. 

All of these factors should be considered. Both me and XXXX would like all of these derrogatory marks whiped clean from our credit reports as there was misconduct on multiple levels here by both the leasing office " grey star '' and by Gensis.
Consumer complaint received 2022-12-30
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


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
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (CT)

I received a phone call from XXXX XXXX calling about I debt I do not owe. I explained to him that i have health insurance and that the bill was never presented to my insurance carrier after calling XXXX medical and telling them that I had insurance and that I gave it to them during my emergency room visit and I gave them the information again. It's a violation of law to bill a consumer because the hospital didn't bill my medical insurance. After I spoke with XXXX XXXX explaining that I never received any information from his company he explained that they had an incorrect address on file. He corrected the address and started that they would send the information again. He also stated that its scheduled to go on my credit report even though I disputed it with him.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a couple of auto pay transactions and an unexpected expense arose and it caused my account to go negative. Merchants send ACH through 2-3times and it caused over {$200.00} overdraft fees. The bank wasnt willing to refund the fees. I understand the initial fee but if a merchant attempts the transaction 2-3 times Im not able to stop it. I have since stopped the auto transactions. Currently making payments on account.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (MI)

Paypal has a partnership with XXXX XXXX to furnish a paypal prepaid debit card. On Paypal.com   you can instantly transfer funds from the paypal balance to the prepaid card. I have used this service several times over the past few years with no issues, However, on XX/XX/2019, I authorized a transfer of {$300.00} ( the maximum amount allowed to be transferred this way ). On paypal.com he transaction shows as completed and the amount was debited from my account however the amount was never deposited into the prepaid account. Paypal.com customer service says that it shows as completed on their end and the issue is with the prepaid card. Paypal prepaid card service says that the transaction show as declined from paypal.com on their end and the issue is with them. After several attempts to resolve the issue with both departments I am still getting spun around and have not gotten my money.
Consumer complaint received 2019-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I currently have an auto loan through Capital One. I was involved in a car accident in Michigan where the state has no fault insurance. Due to that and the month it took for them to report my car as totaled I had to quickly find a car because I depleted my savings into a rental thinking my car was going to be fixed. I went to a great dealership where they were very helpful -- from what I thought. The payments were manageable -- not ideal but manageable at about {$340.00} a month. Its been about a year with this car and I've been making the payments. With being a student in school and working to build my finances I had my cousin help me work a path to save. I sent him everything to look into and he came back and was astounded that this dealership let me sign these papers given what the interest rate was 21.68 %. In my defense I grew up in a household where I was not taught any of these things and our education system doesn't even touch on this. I looked at the payment amount and thought all was fine. 
I've reached out and they told me that due to my credit that is why it is high. Other lenders have told me the same thing -- how is this a fair market for those who are learning and trying to get themselves out of a mess like this? My questioning as I am slowly learning the total amount I'd be paying in interest is at this point robbery.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

The debt was pall in full on XXXX XXXX in the amount of {$500.00}. I'm waiting for the derogatory mark to come off my credit report. The representative i spoke with was not helpful and couldn't say. I just need this mark to show as paid and for it to be dropped.
Consumer complaint received 2018-05-25
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: HYUNDAI CAPITAL AMERICA (FL)

XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX   response ). 
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.