davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
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. (SC)

In XX/XX/XXXX I disputed a fraudulent account with XXXX  for a credit card that was obtained without my knowledge. According to my credit reports the acount went into negative status in XX/XX/XXXX. The fraudulent XXXX ( XXXX XXXX ) account was taken off of my XXXX report. The XXXX account is still on my XXXX report. It was updated in XX/XX/XXXX to reflect it being charged off as a bad debt with no payment history. The XXXX account remains on my Experian report. XX/XX/XXXX it was updated as Failure to Pay Charge off. The comment " subscriber reports dispute resolved-conusmer disagrees '', was added to both Experian and XXXX  reports.

I sent letters to Experian and XXXX  about the fraudulent CFNA account and filed a complaint with the CFPB before. Because of the complaint XXXX ceased reporting the payment history.

However, on XX/XX/XXXX, XXXX  updated the payment history of the account on Experian to reflect another Failure to Pay.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the Fair Credit Act XXXX  account # XXXX has violated my rights 15 USC 1681 section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AK)

Dear Navient formally Sallie Mae, After my Dad finished settlement with you over my Law School loans that were originally in my name, but after I tried on numerous occasions to get a copy of my loan agreement from you, You decided to fraudulently start sending him bills for my law school loan, thus ending up in settlement, which you lost, and during that period of settlement, You we're allowed to obtain control of my XXXX loan that was currently being managed by the Department of Education. 
You then amped up my interest, royally XXXX  my credit, and refused any settlement offer. 
Having no choice, and knowing that I was being punished by You, because my deposition in the case my Father brought against you was key to bringing you to your knees in humility, I scraped and borrowed and used everything I had to pay you {$35000.00}, for an original loan balance of {$12000.00}. I knew after having dealt with you before, that I was just a spec on your XXXX. Thus, also knowing that every day you were in control of my student loan debt, that dollars upon dollars would continue to mount in interest and I would just be further under your control. Thus, I paid You off!! In full. And even complained to the department of education about all the extra interest, but to no avail. 
But even after that, my dept I had to you is still being reported as current to other lenders trying to offer my student consolidation loans. Even the three credit agencies have still been reporting my debt to you for 5 years after I paid it off. 
And the icing on your cake was never delivering to me my 1045 - 1049 IRS form so I would recoup what amount of interest I had paid to you.. 
So after all of these unscrupulous wrongs to me, I am now coming for you. Your wicked ways have escaped justice for too long. I am strong, and I'm back to cut off the head of the evil money grubbing monster. You have somehow managed to escape regulation and oversight from the United States Federal Government. You will suffer me.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MD)

Annual Escrow Review Shortage Excessive! 

They are claiming I'm short {$3800.00} or I can have my payment go from {$1500.00} to {$1900.00} I have contacted the mortgage company on XX/XX/2021 to get a resolve to dispute the amount they are requesting. I had spoke to three people that day and each one gave a different answer with two disconnecting which I then had to call back each time. The great brush off. Each time getting a different person. The last person XXXX assured me they would investigate my complaint and have a resolve for me no later than XX/XX/2021. He took my email address and had the phone number. As of today no reply. 

The problem that has caused this shortage was the lender paid a full years taxes in XXXX and not a semi annual. I have papers that were signed and the lender disclosure the taxes were to be paid semi-annual. I explained the situation to each party. The first person reviewed the documents and told me I was correct and she would send me to the tax department. Waited on hold for quite a while then the line went dead. XXXX told me I would have to pay the overage or make the mortgage payment they gave me until the next time they did an escrow review. I understand that taxes and insurance do increase and the escrow be short. The escrow is not short the amount they are claiming.
Consumer complaint received 2021-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc. (FL)

I took out an auto loan in XX/XX/2020with Nicholas Financial, acct # XXXX XXXX XXXX phone # XXXX XXXX XXXX. Since the origination of this loan my payment dates and application of my payments have been incorrect. In the beginninng, they told me my payment was due on theXX/XX/XXXX. Now its on the XX/XX/XXXX. Moving along, they are now telling me that they will reposess the car if they dont receive 2 full payments by XX/XX/XXXX as Im 90 days late. Wrong. First of all, in the attached documentation from Nicholas, it says that my next payment due date is XX/XX/XXXX. That being said, I wont be 90 days late until XX/XX/XXXX. 

Regardless, pleae review all of the attached documentation and you will see that they are not giving me credit for my payments forcing me into delinquency which is affecting my credit report.
Consumer complaint received 2020-01-30
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. (CO)

This complaint is regarding XXXX ( Utah XXXX XXXX XXXX  XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. 

In early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, XXXX was still reporting to Experian, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XX/XX/XXXX to dispute the account with Experian, XXXX  and XXXX  even providing them the copy of the letter from XXXX ( XXXX XXXX ) stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my XXXX  and Experian credit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was XXXX  month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XXXX XXXX and 90 days past due in XX/XX/XXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; XXXX. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. 
2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX WHEN THEN BOUGHT OUT XXXX XXXX XXXX. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD XXXX LATE PAYMENT THAT DID NOT HAPPEN. 

I have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a zero balance and no late payment were ever made. 

Experian has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. 

XXXX  shows the same information as Experian does, however XXXX  does not. XXXX   is showing correctly with not late payment for XXXX.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00} {$1000.00} Payment Info Original loan amount {$1000.00} Balance {$1000.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX, MDXXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-30
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: Westlake Services, LLC (CA)

I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XX/XX/2019 to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XX/XX/2019 and on XX/XX/2019 to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
Consumer complaint received 2020-01-30
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: General Motors Financial Company, Inc. (TX)

I would like for GM Financial company to be removed from credit report due to that account is over 7 years old and XXXX XXXX XXXX paid them off in full for the vehicle. GM Financial Company keep reporting negative things to credit bureaus companies.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

I have three accounts from Pheonix Financial services for {$770.00}, {$190.00} and {$150.00} ; all originally credited from XXXX XXXX 's XXXX. 


The account, along with the other two associated accounts, should've been closed a year ago on account of insurance paying the account in full. The fact that these collections are still on my record, after discussing with an agent that the accounts were closed, shows the fraudulent behavior of these accounts and the company administering them that is unless this is a mistake that has yet to be resolved.
Consumer complaint received 2022-02-03
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. (CA)

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2020-01-30
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: HCFS Healthcare Financial Services of TeamHealth (FL)

To Whom It May Concern : Please be advised THIS IS MY SECOND TIME contacting this company and my issue has not been resolved. I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. You claimed to have contacted the original creditor to validated my debt and they responded via US mail in ONE DAY?! Stop the lies! These ungraceful deceiving practices will be documented. 

This company did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires  creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this I will proceed to exercise all my legal rights, including litigation, to protect my good name.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc ()

Wallet containing my chime bank debit card And cell phone associated with that chime account and containing the password needed to access the account was stolen XXXX months ago. After contacting chime bank representatives to report the theft, report the numerous unauthorized transactions having occured, no immediate cancellation of that debit card, confirm that a new card was in fact was issued or any access to immediate emergency funds being available or accessible to me, despite having provided and emailed all the necessary documents needed or requested of me to prove and verify my identity. however im unable to access my account or excess the funds that belong to me, receive any refunds or receiving a new card. XXXXm in desperate need to have access to my funds accumulated over the past XXXX months as I face XXXX, amounting late bills and XXXX  XXXX due to this issue. Please help. Thank u
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (LA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (KY)

Credit Collections Services sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Consumer complaint received 2021-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

To make a long story short there's multiple problems with SallieMae. 
I've tried working with them to refinance my loans for new terms and they refuse to do anything about it even though they've been getting paid for a little close to a year and half now. Also they wont release my cosigner even thought I've made more than the minimum payment in the last year and half. Additionally, they let me keep placing my loan in forbearance making it really hard to get out of debt by taking advantage of me know aware of the results that I'm dealing with now.
Consumer complaint received 2023-01-03
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.