davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

If I am 2 or 3 days late on my loan repayment. This company calls every hour on the hour for the entire day. I have only been late three or four times ever but when it happens the harassing phone calls are continuous
Consumer complaint received 2022-05-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Almost everyday from XX/XX/2022 Credit Acceptance has called 4 or more times a day. It doesn't matter if I communicate with them at all. The calls will keep coming until XXXX my time. I have no problem if a debt collector makes one or two calls. That would be reasonable. I have told them that the frequency they call at this point feels like harassment as it doesn't matter if I talk to them in the morning and they know I can't pay then. They will just keep calling. When confronting them about it they will just tell you to write a letter and hang up. XX/XX/2022 as an example between XXXX they called 4 times. If you think blocking the number could give you some temp relief, you would be wrong as they have several other numbers to call from. I work 12 hour days from XXXX. The lien I have for the car is past due as they made aware every single day except Sunday. I have made payments and still making payments to catch myself up. It's not like I'm 90 days past due or haven't been submitting any type of payments at all.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MN)

Re XXXX I have uploaded copies of credit report from XXXX and XXXX showing proof that you didnt enter consumer dispute meets FCRA requirements the law is clear you must and shall do this or this information has to be deleted. See dates at top right hand corner of each reports for both accounts chase I have more credit reports that goes back to XXXX Please see XXXX  XXXX  and XXXX XXXXeports for physical proof and violations. I dont want to take legal actions but I will because you have violated the law and I will refused for you to hold my head underneath the water any longer Im sorry but true
Consumer complaint received 2018-04-25
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)

There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz has not followed the TILA laws nor have they followed the Sate Law of Texas. This form of communication is to place them on notice that Arbitration is needed, there is a dispute about my rights as a consumer and this alleged vehicle lease. I have contacted MBFS for 2 years going back and forth and they have only stated opinionated and business cultured responses, just because this is how they have done things for so long doesn't mean its a law or right. 

I have given them every law and the meaning of the law and explained to them how breaking the law caused emotional damage to me, however they continue to either not respond nor have they responded with an affidavit. 

Attached is a notarized copy of revocation on power of attorney. 
Attached is a notarized copy of my right to rescind the alleged vehicle lease contract Attached is a notarized copy of an Affidavit of truth and final opportunity to cure with 4 counts of violations on The Federal and State level.

Im demanding that the attorney contact me via CFPB to address the dispute. I do have the right to take this case to federal court which is my jurisdiction as a Consumer has power and is respected. With going to Federal court and having the courts hear my case based on Truth and Facts will allow other consumers to use my winning case as case law costing MBFS tons of money in settlements and lawsuits.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

I'm being harassed by a HRRG, Healthcare Revenue Recovery Group , LLC. They have contacted many times daily plus sent an invoice which was charging me for an XXXX XXXX XXXX It is labeled XXXX XXXX XXXX XXXX. It is in the amount of {$1300.00}. I called them to give them medical insurance information because their invoice stated no insurance on file. They took the information and said that they would re-file it with my medical insurance provider, XXXX. I then received another invoice several weeks later stating that XXXX had denied paying the claim. I called XXXX and asked them why and they stated that nothing had been submitted regarding that date of service, etc. 

This company has a parent company named XXXX, who did the exact same thing with me. They call me many times per day and it sounds like a robot, which is trying to sound human. 

These false claims need to be stopped and the harassing calls need to stop. There are probably many individuals that they are scamming each day.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (OH)

On XX/XX/2021, I, XXXX XXXX, tried to activate my Netspend card and they wouldnt let me, I provided all my information needed and they wouldnt give me a refund or activate my card, Im out of XXXX dollars right now because their company is terrible, they asked for all this information that I provided but still said it was incorrect, I bought a gift card for XXXX dollars and they expect the gift card to have a name and social security number on it? How does that make sense its a prepaid gift card! Ive been trying to get a refund for weeks but no luck
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA ()

Marcus by Goldman Sachs purchased the credit card receivables of XXXX  XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX  XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount. 

A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX  bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (TX)

This loan has been paid and removed from the loan company that is on attachments with other documents. It has been paid as of XX/XX/2012. After some years I started receiving letters again from another new collection agency. Please review and have this company not send any documents of unpaid loan. Your response on this issue and complaint will be greatly appreciated. Name of the company that is sending me this notices is GC Services Limited Partnership, XXXX, Texas.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Recovery In Account # XXXX, has violated my rights.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (PA)

When I called I asked for a pay to delete if I paid in full and on a recorded line I was informed yes. Now today I called back asking for a confirmation letter and the supervisor informed me that they do not pay to delete so I was lied to on a recorded line Supervisor name is XXXX XXXX from First Credit Services.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (FL)

THIS ACCOUNT FROM XXXX WAS XXXX ON XXXX XXXXXX/XX/XXXX TO THE COLLECTION AGENCY XXXX XXXX XXXX, NOW FRONTLINE ASSET STRAGETIES IS REQUESTING PAYMENT ON XXXX XXXX THE RECEIVED FROM TO VALIDATE THIS DEBT AS TODAY XXXX THEY NEVER RESPONSE WITH THE DOCUMENTS THAT PROVE I OWED THIS COMPANY
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Hello, My name is XXXX, and I am currently trying to get a refund for my student loans that were paid off during the pandemic. 

My loan service provider is Aidvantage, and I had requested a refund with them to bring my balance up to {$20000.00} initially on XX/XX/2021. The customer service was excellent and they had no issue doing so, and had told me that it would take 4-6 weeks for my refund to process. 

I had called back the next week, and was told that my refund was then approved on XX/XX/2021 and the 4-6 weeks would start from there. It is now approaching the 6 week mark, and I have not seen my balance updated on aidvantage 's website or been contacted at all about the status of the refund.

I understand that the company is probably under a lot of XXXX at the moment, but it would be great to have some sort of action take place since I was told that I would definitely receive the refund in the 4-6 week period.

Thank you!

XXXX
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have XXXX  on my mortgage. The lender is Huntington Bank. On the lenders mobile app i was informed that I can have XXXX removed if I have 20 % equity in the house. According to the Homeowners Protection Act XXXX must be removed when the balance of the loan drops to 78 %. So I used some savings to pay down the mortgage quickly below the 78 % threshold so that I would no longer need to pay the $ XXXX in XXXX. Huntington is refusing to drop XXXX  unless I pay them a fee to drop the XXXX. 

Huntington needs to drop the XXXX since I have reached 22+ % equity and NOT charge me a fee to drop it.
Consumer complaint received 2018-06-19
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. (CT)

This XXXX XXXX XXXX account is fraudulent it was removed from my credit report by the creditor, and Experian has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year
Consumer complaint received 2021-11-06
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. (NJ)

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX  ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Because they are unable to correct the issue with me being able to update and review my credit report, and also to receive my updated Score that I pay a monthly subscription for, Equifax has decided to send me a letter stating that since they are unable to remedy the situation that they are canceling my subscription. I am unable to access my report which is a violation, and it does not update anywhere else like  XXXX   XXXX ,  XXXX  or anywhere else. And when I apply for credit the creditor does not receive anything on my credit at all, so they deny me! I am  XXXX ! I am trying to review my credit to try to buy a house and will be the turned down because no report from Equifax. They have sent me nothing on trying to resolve the issue. I am still without a updated credit report, and I do n't know what my score is, which I have a right to. Even if they cancel my monitoring service with them, other monitoring services are unable to access my Equifax credit report and score as well. This has been a problem with Equifax for about many weeks now. They act ignorant like they do n't know what 's going on, but several people I know have experienced the same thing and have been declined for credit because of it. This can cause people to get declined for credit, jobs, insurance, and housing, and they need to be accountable ... at least be honest that there 's a problem.
Consumer complaint received 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (CA)

I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I was issued an active XXXX XXXX  rewards credit card through Wells Fargo Bank, which I never applied for. 

This credit card was delivered in the mail the week of XX/XX/2021. 

I did not contact XXXX XXXX to open a credit card account as I do not shop there nor will I in the future. 

This is a deceptive act on behalf of Wells Fargo and XXXX XXXX.
Consumer complaint received 2022-05-06
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: WELLS FARGO & COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX. Email : XXXX XXXX XXXX XXXX On XX/XX/XXXX this collection agency fraudulently placed a collection account on my national credit file which negatively impacts my credit file and score.They are attempting to collect a debt that does not belong to me. i signed a roommate agreement in XXXX. I contacted the owner of the account, XXXX XXXX  on XX/XX/XXXX, and spoke with leasing agent XXXX. She pulled my file and confirmed I was not listed on the lease and do not owe them any money. She also confirmed XXXX XXXX is solely responsible for this debt.
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (AZ)

On XX/XX/2022 I placed an order with XXXX XXXX XXXX for XXXX XXXX with XXXX XXXX the businesses owner. The total amount was XXXX XXXX and had agreed I would receive by XXXX XXXX or XX/XX/2022. We had agreed on me paying 50 % ( XXXX XXXX ) on that date XX/XX/2022 the rest by XXXX XXXX so they could have it on there account by XX/XX/XXXX XXXX. I kept insisting on getting receipt once they received on XX/XX/2022 and stopped getting response from business owner.I deposit remaining half {$350.00} on XX/XX/2022 get informed issues with finding flight for our package. I asked for a refund and kept calling and he blocked me since he was not responding. Finally when Im able to get a hold on XXXX XXXX asks for my bank info to process refund. I then get a refund receipt. I check it everything looked fine except no tracking number for wire transfer. It has been 6 days and I still do not receive refund. I reach out to ask for more information and I get no response.
Consumer complaint received 2022-05-06
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: Resurgent Capital Services L.P. (TX)

FRCA Violation late payments on credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation late payments loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collection LVNV FUNDING LLC XXXX XXXX XXXX
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below PUBLIC FILINGS XXXX   RECORDER OF DEEDS {$3800.00} not mine
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX