davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (GA)

Please be advised that XXXX XXXX XXXX has reported a debt in the amount of {$2100.00} to my credit through rhe collection company Bay Area Credit Services. I NEVER was informed about the debt in question by XXXX XXXX XXXX and I DO NOT BELIEVE THAT I OWE it. I had a XXXX on XX/XX/2021 and was transported to the hospital via ambulatory services, however my health insurance through my employer paid all parties involved. I contacted XXXX XXXX XXXX and informed them that I never received any notiification of this debt and reiterated that I had medical insurance that would cover the costs so I don't know why this account was never brought to my knowledge and how it was sent to collections without even attempting to collect the moeny that was due. The representative, " XXXX '' informed me that they had the wring address listed after I confirmed my address. I went on to provide her my insurance provider 's information ( which they already had..she confirmed ) as well as my XXXX XXXX XXXX. I also will like to mention that I never signed any documents with XXXX XXXX XXXX that gave them permission to report anything to a third party agency so I also believe that my HIPPA protection laws have been violated .I also have repeatedly called and sent written notifications to Bay Area Credit Services , but i haven't received a response. They reported this debt without notifying me that it existed and placed it in collections and this collection is still reporting on my credit and it has hurt my reports tremendously. I would like this debt removed permanentely and immediately or I will have no choice, but to seek legal action
Consumer complaint received 2020-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My student loan was with Salle Mae, about 27years ago. I consolidated in XX/XX/XXXX and made payments accordingly. in XX/XX/XXXX I  refinanced and made a lump sum payment to Salle Mae for XXXX dollar and another {$2300.00}. to pay off the balance of my student loan. I have had no communication with Salle Mae since then, until 2 years ago i started getting call from Navient saying I was in default and how much money can i pay to bring my account current. of course i did not believe this was legitimate, since i paid off my student loan and did not know of Navient, i thought they were scam calls. The calls still kept coming, when finally i ask for proof. The proof sent to me was a copy XX/XX/XXXX promissory note, which does not prove that i had a balance. I call Navient to explain how i happen to owe a balance after my lump sum payment -they said they would look into my account - i ask for a copy of they account history. I finally got a copy a couple months ago. It show may lump sum payment, but no balance after the payment was posted, but a lot of other charges over the years to the tune of {$26000.00}. I ask how is it that after 10 years they are now contacting about this issue. I have no explanation. I have now contact Navient, XXXX, XXXX, XXXX XXXX. They threaten garnishing my salary, my Social Security, my taxes. but no explanation of the balance which they claim I owe.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (OR)

XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Riverwalk Financial Corporation (MD)

I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

DEVILLE ASSET MANAGEMENT Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open
Consumer complaint received 2018-05-15
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. (CA)

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2017 I was charged for a transaction for {$1500.00} in XXXX XXXX by Chase. I was indeed at the establishment but I paid with cash and did NOT pay with my card, the establishment asked for my credit card which is not uncommon. I was only at the location for 45 minutes, proof of this was forwarded ( credit card receipt for restaurant where I had dinner prior to as well as XXXX receipt ). 

On XX/XX/2017 I checked my statement, this was when I noticed the fraudulent transaction. I called the credit card company and was told not to worry. 

End of XX/XX/2017 I got a call from Chase stating the dispute was not accepted. 

On XX/XX/2017 I forwarded letter to Chase Cardmember Service providing explanation as well as back up for the 45 minutes I was at the establishment. 

On XX/XX/2017 Chase forwards letter stating the dispute is not valid. 

On XX/XX/2017 I forward letter to Chase Cardmember Service asking for itemized list of items purchased as well as signed receipt from the Merchant. 

On XX/XX/2017 Chase issues a letter stating the charge is valid and I am asked to contact the Merchant directly to further discuss. 

Since then I have not received any further letters but have gotten several harassing phone calls. I continue to ask Chase for itemized list of items purchased as well as signed receipt but I am not getting anywhere. 

I have never NOT paid any charges on my credit cards and I always pay off my balance in full. But I obviously do not intend to pay for a transaction I never made.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. XXXX and TransUnion has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But XXXX responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why XXXX and TransUnion can't follow suit.
Consumer complaint received 2020-02-04
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. (AR)

XXXX XXXX XXXX US Department of Edu , & XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.
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 — Information is missing that should be on the report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

As of XX/XX/2020 my loan was up to date XXXX XXXX transferred my loan to Bayview Loan Servicing in XX/XX/2020 then in XX/XX/2020 Bayview Loan Servicing changed their name to Community Loan Servcing LLC. I was experiencing financial difficulty because of COVID and in XX/XX/2020 I requested and was granted forbearance for the next 18 months. I was hoping that Community Loan Servicing LLC as with other disasters and emergencies, they would be willing or in some cases required to provide forbearance and waiving late fees due to this pandemic. Under the CARES Act, if I was current as of the beginning of my forbearance in XXXX which I was they were not suppose to report late payments. I was granted forbearance in XX/XX/2020 which started with my XX/XX/2020 payment. Community Loan Servicing has reported 22 late payments on all three Credit Reporting agencies. I have tried reaching out to them to get this corrected but they refuse to make it right on my reports. I have had financial hardships ever since. And because of 22 late payments being reported on my reports have been turned down repeatedly for credit.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (IL)

XXXX, I financed the purchase of a couch financed through Fortiva from XXXX XXXX XXXX furniture for almost {$1400.00}. The couch wasn't delivered to me until XXXX. Upon receipt of the couch, it was the wrong couch. The customer service department told me to keep the couch and they would arrange an exchange. XXXX 's brought the wrong couch to me 5 times between XXXX and XXXX. However I kept making monthly payments on the couch. In XXXX, XXXX XXXX came took the couch because they didn't have the color I ordered in stock. 

I attempted to get the money back from Fortiva that I paid on the couch for a total of {$1600.00} but they would only give me a credit. In XXXX, I used the credit of {$1600.00} to purchase another couch that was {$1800.00}. I am more than willing to pay the difference but Fortiva is stating that I owe {$2000.00} and I don't. I have tried to resolve this matter several times with Fortiva to no avail.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I would like assistance with disputing a charge on my account for {$1300.00}. It was paid to Chase Slate Visa Credit Card XX/XX/XXXX and XX/XX/XXXX. In total they charged me {$1300.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

Certified mailing # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, stating that People 's United Bank, N.A. was loaned the promissory note, and per GAAP has a liability equal to its value, no response. 
XXXX XXXX XXXX XXXX XXXX, XXXX Cease and Desist Notice ( engagement letter ), stating failure to respond to the previous eight ( 8 ) certified mailings was agreement to terms and all further contact would be considered contracting with and engaging the consultation services of XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX, XXXXNotice of dishonor through non performance, non response from notary. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$100000.00}, due immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX Notice of Default Notice of Estoppel by inaction. 
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX -Notice that accounts XXXX, and XXXX have a XXXX dollar balance, Notice of exposures and liabilities to 15 U.S Code 1638 ( 2 ) ( A ) ( i ) ( ii ) ( iii ), B ( ii ) ( iii ) ( iv ), and 15 U.S Code 1692e ( 1 ) ( 2 ) ( A ), ( 9 ). 
XXXX XXXX XXXX XXXX XXXX, XXXX Billing Notice Opportunity to Cure, Notice of exposures and liabilities to 39 U.S Code 3001 ( d ) ( 1 ) ( 2 ) ( A ) Filed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiling Number XXXX : XXXX : XX/XX/XXXX XXXX, amended XX/XX/XXXX, am XXXX Total Due {$150000.00}. 
In spite of the above Peoples United Bank, N.A. continues with False and Misleading statements, and inaccurate filings, for more than 3000 days on these two accounts. 
Further, pursuant UCC 3-311, Peoples United Bank , N.A. received tender of payment in full satisfaction of Peoples United Bank, N.A. claims on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. To date Peoples United Bank, N.A. has exercised ownership rights over the viable commercial paper without settling the accounting or providing notice of dishonor pursuant UCC 3-505.
Consumer complaint received 2018-12-14
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (TN)

I had looked into applying for a consolidation loan from several other lenders, but always stopped short of filling out an application. I would always consult with the lenders first and ask if they looked at individual income or household income when determining my qualifications for the consolidation loan. Of the half a dozen or so other lenders I have previously spoken with they were all very clear that their income qualifications were based around individual income and not household income. After speaking with this company in question, however, I was told that they look at household income and not just individual income. So I went through the lengthy application process only to be denied after several weeks of review. When I asked for clarification, they said that I was denied based on my income. The person that I spoke to this time around apologized and stated clearly that they do not factor in household income, but they only look at individual income.
Consumer complaint received 2023-08-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (KS)

I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX  will not inspect the care unless Audi first sends the documents.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several things to appear on my credit that does not belong to me. One which is my niece by marriage by the name of XXXX XXXX we have different names. Socials and date of births but yet they continue to add her debts on my credit report. Also they have attached my decease husband social on to my credit report and it is causing score to drop extremely low and I am currently trying to purpose a new home and my credit report is stopping that. I would like for you to check into it so that these items can be removed from my report because it is affecting my credit score really bad.