davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Hello, i bought a XXXX XXXX XXXX in XXXX 2016. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

A fraudulent XXXX XXXX credit was opened in my name. I had never known this as I had not checked my credit for a long time. Upon discover, the XXXX XXXX account was sold to Midland Credit Management. I filed an Identity Theft Affidavit with Midland Credit Management and XXXX XXXX. Midland Credit Management does not agree that I had never owned this account and they will not remove their collection from my credit file. I want full disclosure and proof verifying that I opened this account.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

Chief Compliance Officer XXXX XXXX employed XXXX Contract Callers Inc.n sent letter dated XX/XX/2021 via United States Postal mail alleging that I owe a debt with a positive balance of {$37.00} for XXXX XXXX XXXX XXXX XXXX. I DO NOW OWE THE ALLEGE DEBT. CONTRACT CALLERS INC employee and all others involved have committed identify theft by stealing my name and using it without my authorization to do so pursuant to fraud and scams under CFPB.gov
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital For Change, Inc. (CT)

CHIF or Capital for Change is reporting incorrect information to XXXX credit bureau I have tried for months to get it corrected and am being told that info is updated but credit bureau says they are not receiving corrected info from company. First of all they had a problem which caused them not to update info for several months. Then when they finally updated info the balance was incorrect. They keep telling me they are sending correct info to bureau but bureau says when they send the info it is updated immediately. Last update was on XX/XX/2019. My balance shows {$16000.00} now but I only owe {$15000.00}. Several disputes filed to no avail. DEPT OF BANKING told me to file a complaint with you after being at a standstill with CHIF. Credit Bureau says they can not accept my statements showing correct info has to come from company via electronic transfer.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

This debt has past it's legal limits to be reporting on my credit report. Buying an old medical debt, does not warrant it being used as a new collection account. 
I want this removed due to the fact that I have no legal obligation to pay this company. My legal obligation would be between the original creditor and myself ... if a debt is indeed owed. 
I have no idea who this company is and never entered into any legal agreement to pay them anything! This is fraud in a legal loophole form. The selling of old debts and then listing them as a new debt on someones credit should be illegal. Especially with the way our system is structured, where we depend on decent credit to obtain basic necessities these days!
Consumer complaint received 2020-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My identity was stolen and a fraudulent loan from XXXX XXXX was opened in my name. I disputed this info with equifac and they did not remove the item, they did not even notify me of the results of the investigation. I provided them with proof and documents that the item was fraudulent but they did not abide by fcra laws. I demand this item be removed immediately!
Consumer complaint received 2021-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Since acquiring my loan late XXXX, Mr. Cooper has misapplied regular payments as " Additional Principal Payments '' repeatedly and then marked the month the payment was intended for as " late '' and tacked on fees. Part of this issue seems to stem from the automatic payment for the XXXX of the month arriving early and Mr Cooper 's system simply can not handle receiving early payments ( I've even be asked to send payments in after the due date to avoid this issue ). 
This has previously impacted my credit score as XXXX XXXX system reported me delinquent even though they had received ALL payments in a timely fashion and I was actually being reported delinquent for paying them one time or a little early ( one or two days prior to payment due date ). 
This has been an ongoing issue with Mr Cooper staring on XX/XX/XXXX when they misapplied my XX/XX/XXXX payment as extra principal instead of the XXXX payment and then marked XXXX as late. I continually have to monitor this account to avoid being reported to the credit bureau 's again due to Mr Cooper 's negligence in handling my account. 
Why am I being told to pay my mortgage after the due date to avoid late fees? So I have to pay late to avoid late fees? It's a terrible way to do business and after 3 years I'd think Mr Cooper would have enhanced their system by now to recognize an early payment. 

I'm attaching the history Mr Cooper recently sent showing how they have mangled this account making it extremely difficult to figure out just what it is they are doing.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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. (FL)

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within XXXX days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The XXXX system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX  system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this XXXX to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this XXXX 


XXXX LEASE ONLY NOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEASE ONLY XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-02-22
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. (IL)

Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC (FL)

on XXXX XXXX XXXX I called rushcard to say my card was lost or stolen they told me the account card was going to be deactivated so i put in dispute and nothing seems to happen on XXXX XXXX and they told me nothing was filed and nothing was on hold the card was still opened and was able to be used so I went online myself and cancaled the card on XXXX the XXXX there was still large charges coming in from facebook on my account and the rush card did nothing to help me when i said to them i was going to call the police and file a complaint agaisnt them they di open a dispute and told me they were going to email me the form to fill out and wait 1 to 3 hours nothing came and then again on the XXXX of XXXX called in and asked agian for the form and nothing was sent XXXX in dispute so what did they do after i was disputing only XXXX charges they went all the way back into my account and filed XXXX charges which in turn will be fraud on my part if i sign the form which still never was sent they love tell you what you want to hear but do nothing to fix it they want your money and collect interest on it while not giving it back to you they refuse to help they are not afraid of the banking laws because they dont fall under it metabank backs them and then metabank say no they use there routing i am at the merecy of rushcard which they dont care about no XXXX but themselves they dont care who steal my money they say i should be more careful not the answer i was looking for so my m, oney is gone and they wont dispute them
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP (MD)

I have asked US Bank to generate a payoff statement for a judgment they filed in XXXX on a credit card with the number XXXX XXXX XXXX XXXX. 

I have been trying for many weeks to complete the sale of two properties. The title company has been forced to delay the closing over and over because US Bank will not respond to repeated requests for the payoff statement ( that they need to add to the closing statement ). 

The title company is telling me that the buyer ( who has been very patient during all these delays ) does not want to continue extending the closing every two weeks and may cancel the contract rather than extend the sale date again. 

So I may lose the buyer that I have for the two properties. That poses a dire hardship for me. I asked the tenants in both properties to vacate in XXXX so the properties could be sold in XXXX. Because US Bank will not send the payoff statement to the title company, I have been forced to pay all expenses for these properties ( mortgage, condo dues, real estate taxes, utilities month by month while waiting for the bank to generate the statement. 

The matter is extremely simple : This credit card debt was included in a Chapter XXXX case filed XX/XX/XXXX. The debt was included in Schedule F ( the pot of money to be shared among the unsecured debtors ). 

The plan specified that I was to pay US Bank 24 quarterly payments of {$43.00} each. However, only 10 payments were made back in XXXX and XXXX. I think the bank is owed an additional 14 payments totaling {$600.00}. I am wanting US Bank to send the payoff amount to the title company so I can close on these properties this month. 

My bankruptcy attorney XXXX XXXX sent the Chapter XXXX plan to management staff in the bankruptcy division at US Bank. He included the Schedule F listing US Bank as an unsecured creditor. He also sent the coupon signed by US Bank in early XXXX indicating that the bank would agree accept its share of the " pot of money '' to be shared by unsecured creditors. 

I have to make some decisions about what to do with the properties if US Bank decides NOT to acknowledge the Chapter XXXX nor the coupon. I have had many, many conversations with bank staff but can not obtain a payoff statement. 

Please reach out to the legal counsel at US Bank and ask an attorney there to help on this matter. 

I also need guidance on how to get some reimbursement.for my losses. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NY)

XXXX XXXX XXXX has continuously disregarded my attempts to stop them from violating my consumer rights. Pursuant to 15 USC 1692a ( 3 ), I, XXXX XXXX am the consumer. 
On the XXXX day of each month, One Main Financial sends me a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent One Main Financial an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.
Consumer complaint received 2015-06-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonded Business Services, Ltd. (CO)

While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.