davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
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: EQUIFAX, INC. (CT)

I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I attempted to create an account with Equifax to allow me to freeze my credit. The creation seemed to go well, until the last screen where I received an error. Thereafter, whenever I tried to log into my account, I received an error stating " We are temporarily unable to complete this request. '' I am also unable to create a new account, as equifax indicates that an account already exists with my information.

I called equifax at XXXX who explained that there was an error creating my account, but that the matter had been elevated to the specialist department. I tried calling again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I am told that there is a technical error on the equifax side, and the matter has been escalated. Each time I am told that I should receive a call or email, but I've never received any further contact from someone at equifax. I would simply like to create an account to allow me to freeze/thaw my credit.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.
Consumer complaint received 2018-08-22
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: SYNCHRONY FINANCIAL (NC)

XXXX XXXX is incorrectly reporting 2 accounts on my credit report that are my husband 's not mine. One is a Gap  account with a balance of {$3100.00} and the other is an account with a balance of {$14000.00}. I was removed as an authorized user months ago as we are separated.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I inadvertently paid {$250.00} excess payment to my credit card. When I called Bank of America, they promised to pay it as refund. I never got the refund. They removed the credit from my account. I called more than 5 times. Every time they said that it is on mail. Last 3 months, I have been waiting for the credit or refund. 

Please help me here.
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

In order to get my ex husband off my car title, I had to refinance my car because he was a co-borrower on my loan with Nissan XXXX. 
I refinanced my car officially in XX/XX/2021, and have yet to receive a lien release from Nissan XXXX, despite having called and asked 4 times. 
I am unable to register my car and get my ex husband off the title without this lein release per the DMV. 
I have since moved to XXXX  from XXXX, and have STILL not received the lein release despite calling and asking for it to be sent to my new address twice, in addition to having called twice and requesting it be sent to my old address.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (VA)

Upon reviewing my credit reports I noticed XXXX collection accounts with Receivables Management that I did not recognize as mine, in addition the information reported among the 3 bureaus was all different. I sent a certified letter to Receivables Management requesting validation of the accounts. The letter was received XX/XX/2018 ( certified letter receipt attached ). Receivables Management replied on XX/XX/2018 with what they consider verification, not validation as I requested ( complaint # 1 ) ( correspondence attached ). 
Complaint # XXXX : The billing statement from one of the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) that they sent has XXXX of the accounts listed under an address that does not or has EVER belonged to me. I have never lived/resided in the address provided by the original creditor. 
Complaint # 3 : The billing statements that Receivables Management retained, had copies & mailed from both original creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) are all in DIRECT & SERIOUS violation of HIPAA & both XXXX and XXXX XXXX Privacy Rule which prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ). The creditors furnishing of my alleged account ( s ) information to Receivables Management is not in compliance with XXXX or XXXX XXXX Privacy Act & both the creditor & collection company are in clear violation of Public-Law 104-191 ( HIPAA ).  More specifically, the protected health information that was NOT protected was the description of service on XXXX of the billing statement that stated XXXX XXXX. This personal and private information was shared among companies! The entire purpose for MEDICAL BILLING/CODING is to use codes to protect sensitive & PRIVATION information such as this. On the billing statement disclosed to Receivable Management from XXXX XXXX XXXX violates someones PHI again under the description clear as day spelling out the exact producer! XXXX XXXX XXXX.
Consumer complaint received 2019-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc. (FL)

I'm filing a complaint against XXXX XXXX XXXX.they shut my phone off and refused to work with me. This all took place after hurricane Irma now it is in credit bureau and in collections.i offer to pay half of bill during state of emergency that we had due to hurricane but they refused. There was no work and no way to print us a check. After thing got better I was forced to get another phone from a different provider. Is this fair not working with the customers during a national disaster?? Gov put laws into place for creditors to work with us
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (WA)

I received an invoice date XX/XX/XXXX from an ambulance company, XXXX XXXX XXXX, in the amount of {$200.00}, for a patient named XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to XXXX stating that I don't know anyone by that name, that I am not responsible for that person 's bills, and that I had never been transported in any XXXX ambulance or received any other services from XXXX. I never received any response from XXXX, other than additional copies of the bill and a threatening " PRE-COLLECTION FINAL NOTICE '' dated XX/XX/XXXX. I received a notice dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX XXXX, demanding payment of the XXXX bill plus interest ( {$200.00} ). I have written a letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX disputing the validity of the alleged debt.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX both my credit report and husbands showed on Experian the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

I placed an order with XXXX XXXX in XXXX, I never received the items but was charged for the items by Comenity Bank. I sent a letter to Comenity Bank, explaining that I never received any order and I wanted these charges removed. This letter was sent to Comenity Bank on XXXX XXXX. I called and the rep told me that I'm still responsible until XXXX XXXX refund me and then they will work with the late fees and that I had to pay on the bill to keep late fee down. I then paid {$40.00} with that rep because he said they will refund it back to me. I agreed to pay the {$40.00} so that they wouldn't report late on my credit. I also sent in affidavits to XXXX XXXX on XXXX XXXX, after they keep telling that they had sent affidavits forms in the mail and which I never received them either, so another rep from XXXX XXXX walked me through the website to print the forms my self and that is how I got forms to send off. I also called XXXX XXXX to check for the credit for my account on XXXX and learned that they had sent Comenity Bank a credit of {$34.00} and {$22.00} was the wrong amount, it should have been {$33.00}. So that left a shortage of {$11.00}. So I called XXXX XXXX back and they went ahead and refunded the {$11.00} and sent it over to Comenity Bank. So in the process of trying to get refunded for a non received order of {$68.00} has resorted in Comenity Bank charging me on a order that I never received in the amount of {$83.00} in late fees. I tried reasoning with the account supervisor by the name of XXXX in customer service and also spoke with XXXX who stated that she was the senior account specialist and they showed no concern of helping to fix this issue. I was wrongfully charged these fees and want my credit of my {$40.00} dollar payment.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've had several cards with XXXX XXXX and at least three I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX  Credit Report since it is not reporting in Navy Federal Credit Union System. 
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. 
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX  credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My mortgage was previously with XXXX XXXX XXXX  wherein I complained about the misapplication of my mortgage payments. See complaint # XXXX-XXXX and XXXX-XXXX. My loan was transferred to Fay servicing after XXXX XXXX stated they had sold my loan to XXXX XXXX and they washed their hands of the entire situation without answering any questions. Fay servicing was contacted about the loan, however, initially could not locate it, then finally after filing a lawsuit against Fay and XXXX XXXX regarding the upcoming foreclosure a requested reinstatement from Fay Servicing and received one and also XXXX XXXX XXXX which called for them to paid also. The borrower is being asked between the both of them for {$76000.00}, on a reinstatement figure which is no more than a little over 38K. The borrower account has been mishandled in every way, XXXX XXXX wants it both ways, and Fay servicing does not know who's on first. 
Both reinstatement figures differ, moreover, the Trustee is at question here XXXX XXXX who has requested payment for XXXX XXXX the entire time, how then are they taking the place for Fay Servicing, XXXX XXXX and now Fay Servicing is introducing, XXXX XXXX, XXXX XXXX as Legal Title Trustee for the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC (NY)

I started getting calls from someone years ago in ref to a XXXX XXXX  and I told them that this account was opened up fraudulent, I told them that my father who is deceased now stole my information and did this, but what was so alarming that this company allowed someone to fraudulent get this information without proper identification
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

After an over a year intermittent communication between Allied Business Services and myself, the agency finally decided to agree on writing that they will cease and desist the collection of the alleged debt and that they will communicate to all the credit bureaus to request the removal of derogatory marks on my credit report. 

During the resolution and communicating process with XXXX, the agency wrongfully involved the Law Office of XXXX XXXX XXXX into plugin legal actions against myself, even when they were looking to collect on a debt that had already been taken care of. I communicated and identified myself with the law office, but they refuse to acknowledge my communication and didn't reply. 

I have continued to make attempts to contact XXXX, but no response has been received on their part. Now my credit report still reflecting their negative marks and continues to manage my creditworthiness due to this agency 's negligence to perform their duties is the fairest way possible.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (NV)

I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Freanklin collection service trying to collect from me saying its debt owned to XXXX. ( I currently have XXXX services ). I called XXXX they said Im in good standing and dont owe them anything. Called Franklin collection and asked for more details on collection, they gave me XXXX account number. Called XXXX provided info and couldnt find any debt on my personal info nor with information given. XXXX advises me not to pay anything as I dont own any debt to them. Now Franklin has reported debt on my XXXX report 2 times in XXXX and 1 in XXXX ( which affect my score ) now I feel they I are just harassing me.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (UT)

I was contacted by a company by the name of Premier Student Loan Center about qualifying for student loan forgiveness. Upon being accepted to a program, I gave the company my personal information to continue with the process. They explained to me that they were not an actual bank but a document processing center for banks that accept people with student loans into a forgiveness program. They then asked me for my password to XXXX and I gave them my banking information and social security number as well. I had to make 5 initial payments of XXXX for processing fees, is what I was told. The payments were set up as automatic withdraw with my debit card, I have made 3 of those 5 payments. I then contacted my actual loan service provider that is listed in my XXXX to tell them that I was only able to make half payment this week and then the other half next and was told that I do not owe any money at this point in time and that my loan was to be submitted next XXXX ( 2019 ) for student loan forgiveness acceptance. The person that I spoke with today informed me that Premier Student Loan Center was probably a fraudulent company and to not give them any more money and to immediately contact my bank and you guys.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I opened a credit card account with Chase in XX/XX/XXXX ( SLATE Card ) under a military program. I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have been trying to fix it with CHASE and they keep on telling me that my Slate CC was not covered under that program due to some amendments. That being said, I recently opened another credit card account, the Freedom card around XXXX or XXXX of last year to consolidate all my CC accounts into that account. It so happened that they had a great offer with that account, and zero transfer for 18 months. I have been very patient with Chase to help me out with the Slate card and they kept on turning it down. I even ask them several times to let me know before I use it again to transfer some balance once again and there were no answers until I recently executed a big transfer a couple of months ago and they immediately charge that account of $ 200+ of charge fees!!! I told them that I will not use those accounts ever again and I will report them for what they have done. I need some help on these issues. I am currently paying the minimum until I resolve this issue with CHASE.