davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nations Recovery Center (FL)

I received a call and letter from Nations Recovery Center on XX/XX/XXXX to collect a debt from a judgement that was vacated in XXXX XXXX 2 years ago. Previous to this call I dealt with Nations Recovery two years ago where I provided them proof that this debt was no longer owed and judgement was vacated. I also send them a cease and desist letter in regards to this debt and to no longer contact me in XX/XX/XXXX. They recently called me on XX/XX/XXXX claiming that I still owed this debt so they ignored my cease and desist notice as well as trying to get me to pay them again for a judgement that was vacated two years ago from a debt acquired in XX/XX/XXXX. I since sent them another cease and desist and proof of vacate of judgement for this debt. I continued to receive harrassing phone calls and mail correspondence for a debt that does not exist. I have suffered emotional distress and physical discomfort from these interactions with Nations Recovery Center and would like to report their harassing behavior. I have attached the notice to vacate on the refered judgment. The first letter to cease and desist and a picture of the email that acknowledged their acceptance of the notice and my second notice to cease and desist.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (GA)

I have three accounts listed on my Experian credit report that is falsely and inaccurately reported. I was never notified of a charge-off of {$3.00} from XXXX XXXX . I paid and closed the XXXX XXXX account in 2019, and I never opened an XXXX, XXXX account. These accounts have negatively impacted my credit, which has caused much emotional and financial hardship with violating the FRCA due to false representation, defamation, and more.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Twice since the start of my loan repayment I have had economic hardship. When calling Sallie Mae ( now Navient ), the only options that was given to me was forbearance or deferment. These options caused my overall loan to increase thousands of dollars by the end of the payment term. It has now been over 6-7 years on repayment and somehow many of my account balances are higher than the principle I started out with. Income based repayment was never offered as an option for me and would have been the best option for the financial situation I was in at that time. I feel that Sallie Mae never offered these because they just wanted to make more money off the borrower in the long run. The impact of forbearance or deferments were also never mentioned and proved to be a huge addition to my original loan amount for a couple months of hardship. 

Before my hardships, there were many times where I paid well more than the minimum payment amount. These payments were not allocated in a way that made my payments go down faster and somehow never made a difference after I had to file for forbearance.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (OH)

This company is repeatedly calling my sister at the phone number I provided on the previous page. I first returned the call from her number and then from my own. They were asking for personal information to verify my identity but they refused to tell me who the company was. I explained to them that my attorney advised my sister to file a police report for harassing phone calls and for me to file a complaint about them and not to give out any of my personal information, especially since they wanted my social security number. I also told them I didn't know who they were so I wasn't giving any personal information, especially since I believe these calls are related to previous calls to my place of employment and my family members where the individual was pretending to be from the county prosecutors office and said they would be sending someone out to pick me up. Not only at my place of employment but they also told my relatives that they would be showing up to look for me at their homes. I verified with the prosecutors office that this was not the case. After calling to ask they leave my sister alone and tell me who they were calling on behalf of, I was threatened with legal action against my sister and I was hung up on. They have also threatened my sister with legal action although they are the ones who are harassing her.
Consumer complaint received 2018-08-02
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. (NC)

I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
Consumer complaint received 2022-06-16
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. (LA)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-03-08
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. (TX)

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to XXXX and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made XXXX aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. XXXX has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, JPMCB - CARD SERVICE, on XX/XX/XXXX, XXXX, XXXXXXXX/XXXX  and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-08-02
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. (GA)

creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX  creditor : XXXX XXXX XXXX account # XXXX balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I visited multiple XXXX XXXX locations trying to close my account. Each location responded differently to my request but they never said I owed any amount of money. I did not know I had a charge-off of a merely {$3.00} until it showed up on my credit. I contacted XXXX  multiple times as well to verify the charge-off but never received a response. This negative listing and inaccurate reporting on my credit reports is causing me much emotional and financial stress that is interfering with my personal and business life. The account is showing unknown reports on the credit reports, which proves several FRCA violations. I am requesting that this account be permanently removed from each of the bureaus as it has false and inaccurate information with a charge-off of a small {$3.00}. Please help me resolve and remedy my credit from these violations. I have contacted the XXXX. Attorney General 's Office, and the CFPB.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these 2 attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both XXXX AND Experian and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (PA)

My problem is with loancare. I paid them in XXXX and they say I didnt. I sent them the proof, but continued to report that not paid. Now they are stating XXXX wasnt paid. Sent them the cancel check. I was told there would be a freeze on the account until the issue was resolved, but there is not. Please help correct this error. 
There is also a problem with XXXX. They are stating the bill is delinquent, but they never send me a statement. Spoke to them on several occasions. Please help. 
Thank you so much for your consideration. 
XXXX & XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my Equifax and XXXX reports immediately. Account numbers are XXXX and XXXX
Consumer complaint received 2018-05-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Student Aid (USA) Funds (FL)

On XX/XX/XXXX, my Navient school loan was paid in full. There was a current wage garnishment with my work so 4 checks further were sent out to them by the time my work was notified of the account paid in full on XX/XX/XXXX. XXXX cashed the checks ( i have the cancelled checks cashed on XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$22.00}, XX/XX/XXXX - {$140.00}, and XX/XX/XXXX - {$140.00} ). I began calling on XX/XX/XXXX to ask why I wasn't issued a refund as the account was paid in full and closed out. No one could answer but said it is 30 days for a refund. I called again on XX/XX/XXXX, and was told it was 30-45 days for a refund to be completed. Then called again on XX/XX/XXXX And this was time was told it was 60 days for a refund and it was not sent to accounting until XX/XX/XXXX so they wouldn't start the refund clock until then. I called today XX/XX/XXXX and this time was told it will take 60-120 days for the refund to be processed. At least 3 times i left messages for supervisors and never received phone calls back. Today I asked to SPEAK to the supervisor and was told he was on vacation. I then asked to speak to the ACTING supervisor and was told there was no one in charge. Also, my social security number is no longer even valid in XXXX automated line. So obviously my account is far along in the process of being closed out. I am upset by the lack of concern for a refund of checks that were cashed AFTER an account was closed by over a month. The checks could have been returned to my work instead of cashed but instead my money is sitting in their account for months and months and no one can tell me when I'll get it back but my own bills remain unpaid. A serious lack of customer service and I believe ill management of funds. And there is no one from XXXX who I can call to get any information or confirmation from.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2018 I noticed a Collection account that had appeared on my credit report on all three credit bureaus. It was opened by Diversified Consultnts. To which they said I owed them {$250.00}. original company XXXX. I have disputed this matter by certified mail on XX/XX/18 and XX/XX/2018 in which both response from them was a copy of a itemized bill.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and Transunion but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (AZ)

I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. 
I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.