davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

Medical Debt was Reported to Credit Bureau in XX/XX/XXXX. 
I am unaware of any medical procedures done, but based off the timeline, the original creditor was most likely for a Covid Test back in XXXX when state wide emergency was in effect and all COVID exams were free. This was never verified or made aware of to me. 

I did not receive any notice of debt from provider OR collection agency and first saw it on my credit report. 

I disputed it on all 3 Bureau, It does not show on XXXX and XXXX, but as of XX/XX/XXXX, the collection shows on XXXX. The latest status date was as of XX/XX/XXXX. 

The amount of the debt is {$470.00}. 

I am also aware that medical debt under 500 should not be reported /shown on Credit report and should not affect credit score.
Consumer complaint received 2022-07-08
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 (IL)

In accordance with the Fair Credit Reporting act Capital One Bank USA/Capital One , 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX repossessed a truck from me after conducting a charged off on the vehicle loan account on XX/XX/XXXX and closed the account. It has been 7 years and the account dose not even shows on my credit report. Last night XXXX XX/XX/XXXX the truck was repossessed from Michigan and taken to Wisconsin. I call them and they want 4400 to return the truck but it has been a year past the statue of limitations on a contract loan in the state of michigan. The company will not even acknowledge this when i tell them and just ignores the statement.
Consumer complaint received 2018-09-01
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: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Consumer complaint received 2022-07-08
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. (IL)

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to Experian, XXXX XXXX XXXX. It was taken off each credit bureau except for Experian. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Consumer complaint received 2021-12-07
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXXXXXX XXXX  sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both Experian and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to XXXX continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our XXXXXXXX XXXX as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and XXXX mortgages which is false. 

A dispute was opened with Experian on XX/XX/2023 and the letter from XXXX showing the sale of the loan was provided. On XX/XX/XXXX, XXXX knowingly, illegal, and falsely told Experian that their loan with us was still open. Experian denied the dispute and kept the information on our credit reports due to XXXX reporting all the information as accurate - open account. Additional information was provided such as the letter XXXX sent to our insurance company asking to be removed from our policy and they are no longer our lender. XXXX knowingly, illegal, and falsely told Experian again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, XXXX refuses to provide an escrow statement after closing the account.
Consumer complaint received 2018-09-01
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. (CA)

Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TN)

I have received repeated phone calls from Capital Accounts regarding a debt received in their office from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX office states that there is no debt owed them from me. XXXX who is in the doctor 's billing department has contacted their sales departments ( XXXX ) at Capital Accounts to confirm this information. We spoke with a supervisor, XXXX at Capital Accounts, who handled the call from myself and XXXX on XX/XX/2019 and was told that he saw where XXXX called and and see that there was no account but he would further investigate and get back in touch with me. I did contact XXXX today and he did remember our case, put me on hold, and the call was lost. I called back and the CSR was very rude and refused to allow me to speak with XXXX. I explained to her that he was the supervisor who did ask me to contact him with futher questions. She became extremely rude and the call was disconnected. I called and got another CSR who was equally rude and shouting at me explaining he was handling everything now and that I would not be able to speak with XXXX as he never spoke to people who had the debt. This call ended up with no resolution.
Consumer complaint received 2018-09-01
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. (NY)

I have called and i have sent certified letters to Experian all with return reciepts as proof of delivery. 
I reached out to Experian about a fraud address on my report. They did an investigation and removed the fraud address from my report. 
When they removed the fraudulent address from my credit file they should have also remove the fraudulent account associated with that address. 
XXXX is not my account. ( past due180 days ) ( {$7200.00} is not my account ) This account was not open by me or anyone i know. 
( NO OTHER CRA IS REPORTING THIS AFTER THEY DID AN INVESTIGATION ONLY EXPERIAN. XXXX REMOVED IT, XXXX REMOVED IT. THEY DID A PROPER INVESTIGATION. ) I will be filing a law suite against Experian and will be seeking damages for all of the pain and expences that Experian has caused me and my family and for not doing a proper investigation into the matter. 
When i ask that you investigate an account and you just simply verify the account with the creditor and consider that a proper investigation, then you are very wrong. 
I will be giving you one more opportunity to do a proper investigation before i file suite in my county and state against you.
Consumer complaint received 2018-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HONOR FINANCE, LLC (NV)

I joined a monitoring service in which I noticed a fraudulent auto loan on my file in my name in which i did not obtain From Company Honor Finance for the amount of {$5000.00}. This account is Fraudulent and does not belong to me and has been reported.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I recieved a XXXX transfer of a XXXX dollars from a XXXX XXXX, in exchange for cash, XXXX bank then reported the transaction as fraud and now my account is marked as restricted and I cant access my funds which I need for day to day activities, ally bank has been of no help in helping me access my funds needed for the day, this is not the first encounter I have had with ally bank, they always restrict my account for any purchase that I do even when I want to pay rent
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I was told I qualified for a {$50.00} credit on my purchase if I applied for a Lowe 's credit card and was accepted, so I applied. I was denied and told, in public, in front of my daughter that I was denied. I asked if I would receive a letter. I was told " yes ''. I paid for my purchase and immediately checked my credit score because I feared fraud. My credit score was XXXX. 

One week later, I called Lowe 's to find out why I had not received an explanation ; they told me I had not been denied and that all applications were routinely placed on hold. I asked for a supervisor and I was then transferred to XXXX XXXX  ( XXXX ). I asked for a supervisor again and was placed on hold again ; after waiting 5 minutes I was asked if I minded continuing to hold ; I replied " no '' I did not mind. They then hung up. 

I called back and opened a Lowe 's Incident # XXXX ; I was then transferred to XXXX XXXX again. 

I asked XXXX XXXX for a reasonable explanation for why my application was " denied '' originally and received none. XXXX said my application was incomplete but did not require any additional information when he approved it, so that was a lie. He also said I will receive a {$50.00} credit on my 1st purchase. 

I found this entire process misleading and embarrassing in the extreme. I was on the phone over 40 minutes resolving it.
Consumer complaint received 2018-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CT)

I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, XXXX XXXX and american education services, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with american education services just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

HI, I HAD ACTIVE ACCOUNT WITH CHASE BANK FOR SO MANY YEARS WITH NO PROBLEM, UNTILL LAST XX/XX/2018, MY CHECKING ACCOUNT WAS CLOSED BY THE BANK.AND GAVE ME CHECK FOR THE BALANCE OF {$16000.00}. 
I DID NOT HAVE ANY BOUNCE CHECK OR ANY SUSPICIOUS ACTIVITY. 
AT THE SAME TIME I HAD SECURITY CLEARANCE FROM THE XXXX XXXX XXXX. 
SINCE THEN I AM TRYING TO OPEN ACCOUNT AGIN, BUT CHASE BANK KEEP DECLINE MY REQUEST, I WAS TOLD THEY HAVE THE RIGHT TO DO THAT WITHOUT SHARING INFORMATION WITH THE CLIENT. 
ALSO I WAS TOLD I AM RESTRICTED FOR LIFE FROM OPENING CHECKING ACCT WITH CHASE ( FOR LIFE ) .CAN YOU BELIVE THIS FOR LIFE. 
ON THE OTHE HAND LOOK AT THE CRIMINAL WHO COMMIT MAJOR CRIME AND THEY GET PUNISH FOR # OF YEARS, IS THIS HOW THE DEMOCRACY WORKS? 
ARE WE LIVING IN THE BEST COUNTRY IN THE WORLD OR THE RICH BANKS AND BIG GUYS SUFFOCATING AVREGE PEOPLE LIKE ME.
Consumer complaint received 2018-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (CT)

I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, wells fargo and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, wells fargo increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX, Equifax, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Consumer complaint received 2019-08-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (IA)

I've received several VA-guaranteed refinance offers in the mail from NewDay USA. First - I am not a veteran or even active duty military. Second - My last name is misspelled. The letter tells me that " you're among a group of veterans selected to apply for a NewDay VA loan for up to 100 % of your home 's value ... ''.