davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (GA)

XXXX XXXX paid off the medical debt. This account was removed from my credit report and now it appears back on there. I have received letters from lawyers regarding this account. I dont have a contract. And I have audio recordings documented of the conversations with the debt collocations agency. I dont have a contract as no contract exists.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Consumer complaint received 2019-10-12
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. (FL)

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX  is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Consumer complaint received 2021-02-17
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. (FL)

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Consumer complaint received 2019-10-12
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: Experian Information Solutions Inc. (GA)

I've sent two disputes letters asking for Experian to verify the accounts listed on the letter. and also to provide documentation showing how they verified the information they are reporting is correct. they have failed twice to provide the documentation, they recently sent a letter after my second request stating that i have to send in documentation supporting my claims. due to the law they have to provide documentation showing how they verified this information is accurate. i've sent in a report from XXXX XXXX showing that a bankruptcy reporting is not on the report. there is no bankruptcy on my file. they have yet to provide the documentation to support there claims.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I open a credit card account with Best Buy, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, Best But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XX/XX/XXXX. I ended up paying before it went to collections.

The problem is this account has been paid and closed since XX/XX/XXXX and yet, Best Buy CBNA is still reporting MONTHLY on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XX/XX/XXXX when they were paid! 

Im not sure why Best Buy CBNA is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Consumer complaint received 2019-10-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Hello I'm submit a complaint with Consumer Financial Protection Bureau about an account that's on my credit report with the credit bureau XXXX. The accounts named, M & M CREDIT ( XXXX XXXX XXXX XXXX XXXX ) presented since XX/XX/2015. I have disputed this account once before about the dates on this account being incorrect, also the balance and/or past due amount are/is incorrect. and credit score amount due {$6400.00}.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help me.
Consumer complaint received 2019-09-24
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)

There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-05-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (UT)

About a month ago, NCB management was repeatedly calling my work, when I finally talked to XXXX XXXX ( sp? ) I told her that they can not call on my work phone number due to our phone policy. Today ( XX/XX/18 ) I received another call from XXXX XXXX and she said she has no record of that conversation. I have also sent them two emails stating in writing that they can not call my work. I'm at a loss for what to do to stop the harassment so I wanted to file a complaint here to have it legally documented that they are breaking the law and continue to harass me.
Consumer complaint received 2019-07-11
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. (GA)

I have a credit card with XXXX XXXXp since XX/XX/2019, they were bought out by XXXX XXXX XXXX. I paid my balance off around XX/XX/XXXX. They keep reporting that I still have balance and one one credit report they are showing a larger balance. I called and emailed them several times to correct the issue. Now the phone just goes to voicemail and no one answers. This caused my credit score to drop and this isnt right. Please help me!
Consumer complaint received 2019-06-25
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)

I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being tha they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are rquired to " promptly delete all information which can not be verified '' that I have disputed. Please resolve the manner as soon as possible. Thank you.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (NJ)

On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. 

I immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Consumer complaint received 2019-10-12
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. (MN)

I was in school XX/XX/XXXX for 2-3months. I withdrew XX/XX/XXXX due to lifes inconvenience. Never received any disbursements from the 2 loans that appears to be on my 1st enrollment of school. I started back in XX/XX/XXXX. Through the 2yr time  period. Sallie Mae/ Navient has made numerous bad credit reports such as delinquent against my credit. Ive always had to lean towards forbearance there was no other option. My interest rate continued to go up ridiculously. I was also told when in forbearance no bad credit reports would be made against my credit. When I went back to finish school XX/XX/XXXX. Had more loans during my 2nd enrollment. Finished XX/XX/XXXX. Couldnt find a job right away. Sallie Mae/Navient continued to perform harassment. Contacting & sending my billing information to friends and family for me to pay. An unprofessional act & complete embarrassment to me. I was in forbearance again as my interest rate continued to go up again & again. Now Im dealing with paying them an awful amount of money that has been adding on my loan account. Due to forbearance, interest rates continued to climb up every time. I feel as though I am a victim of the scam & allegations Navient is being sued upon.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN HONDA FINANCE CORP (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019. 
Midland Credit Management is NOW harassing ( name )! 
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm. 
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

My Equifax credit report under my social security number is under someone elses name. I have sent 4 faxes, one mail copy, and two email copies of my identification verification to solve it in the last two weeks. I have called their number 14 times during the last two weeks. We are about to lose a house because of it and Equifax has been no help in resolving this issue. I have gotten a notice from them that the fax was not readable from our first fax, and a letter in response to my mailed copy that did not even address the underlying issue that there was a social security number and name mismatch. We do not know what to do to get this resolved, Equifax has shown no interest in getting my file corrected. 

XXXX XXXX