davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, Experian never marked the account as being under dispute I have circled the errors in my consumer report. XXXX also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX  sent me a debt collection notice regarding a XXXX XXXX bill for services dated XX/XX/XXXX in the amount of {$710.00} for account number XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX # XXXX. I informed her that I was calling to dispute the debt and that an error in billing was being discussed with XXXX. She state that she was not going to do anything with the dispute until XXXX sends them something in writing. I reminded her of my rights as a consumer to dispute any debt and that the collection agency needed to follow up with the original debtor to validate any debt. XXXX argued and continued to refuse my request for dispute until I requested to speak to a manager. XXXX was reminded that this conversation was on a recorded line and at that time she complied with my request. I contacted XXXX billing department shortly after and spoke with an agent who confirmed that I had ab balance due of {$710.00}. I informed that representative after looking at the statements that this account was on a payment plan which was set up on XX/XX/XXXX via telephone conversation. The payments were to be EFT through my checking account ending in # XXXX. The representative confirmed this payment plan and stated that payments were being made on the account via mail with various check numbers. She then stated that XXXX payment processing was applying the payments to other accounts with balances instead of the account designated on the check and payment slip with the bill. I was told that instead of following the attached payment voucher that XXXX was applying the payments with any account associated with my patient number # XXXX. When ask why this was done I was informed that the wanted to keep my newer accounts current instead of making my payments on my old accounts, which the payment was designated for. I have made a complaint with XXXX and awaiting management to resolve this issues. XXXX XXXX XXXX has stated that they will not do their do diligence and follow-up on the account.
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NM)

On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX stating my home insurance was canceled because my property was vacant. On XX/XX/2018 I called XXXX XXXX and asked them about the notice. They informed me that they had received a letter from Ocwen, my mortgage company, letting them know my property was vacant. I immediately called Ocwen escrow department and they said that it was a mistake and that they had already sent a letter to XXXX XXXX XXXX XXXX and sent them a check for my home insurance. I asked them to explain how they made that mistake? I asked them to explain what circumstance would constitute them to send a letter to my insurance company stating that my property is vacant. They just kept apologizing and stating that they had taken care of it and that they had sent a letter to XXXX XXXX. I explained to them that I was asking because approximately 2 years ago they had sent the same letter to XXXX my previous insurance provider who canceled my home insurance. With XXXX I gave Ocwen their fax number asked them to fax them the letter stating that they had made a mistake and the property was not vacant. Ocwen repeatedly said they sent the letter and XXXX repeatedly said they did not receive the letter. Eventually, I just decide to look for new insurance and called XXXX XXXX. And now it is happening again. 
I called XXXX XXXX and told them that Ocwen said they had made a mistake and had sent them a letter and the check. XXXX XXXX has been awesome and for now have reinstated my home insurance. However, I was informed by the XXXX agent that it is a process to get this issue cleared up as it is being handled by the XXXX XXXX underwriting department. Last I spoke to the agent she said that the underwriting department of state farm would send me a letter once the issue is resolved. I am worried I will have to find new insurance company based on my previous experience with XXXX and Ocwen.
Consumer complaint received 2022-05-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by Transunion, XXXX, and XXXX. Transunion, XXXX, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. Transunion, XXXX and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX/XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( Transunion XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

XXXX XXXX reported me fraudulently to the credit bureaus in XX/XX/XXXX for an amount of {$450.00} that I never owed. I have emailed to the company the cancellation and no further charges to my debit card that was sent to me as confirmation on XX/XX/XXXX. Below is a copy and pasted email of the original confirmation of no further charges that was forwarded to XXXX XXXX management to resolve this matter. 

Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Fwd : XXXX XXXX XXXX XXXX XXXX , I got a disturbing letter from a collection agency that owe you money and I do not owe your business anything. XXXX assured me he stopped all charges and closed everything via this email. 

Please correct this as soon as possible and give me a call. I will have to contact the bureaus as well. I am at XXXX. 

I have already had a customer experience nightmare for over a year with your company and I can not believe this is happening. This is without question the most disturbing situation I have ever dealt with. I have never been sent to collections on anything. 

I look forward to your call, XXXX XXXX Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX PDT To : XXXX XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX Reply-To : XXXX XXXX XXXX XXXX, Per your request, your membership has been cancelled with no further charges against your account. I have added credit to your account to cover your last months dues, and your last day to use services will be on XX/XX/XXXX. 

Also as stated on the phone, if you decide to stay with us, please email me back on this thread and I will apply first months dues to any level membership you choose. 

Warm Regards, XXXX Guest Relations Manager XXXX XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX OR XXXX On Thursday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX wrote : Confirming no further charges to my card and last tan date XX/XX/XXXX. 

Thank you. 

Sent from my XXXX XXXX has already deleted this fraudulent reporting from my credit bureau report, however, XXXX chose to ignore my dispute and do nothing. I will also be filing a separate dispute against XXXX  due to the agency ignoring my information, not completing an investigation and doing nothing to resolve this matter that is an act of outright fraud by XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (IL)

On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from Spring Oaks Capital LLC. The account number was not specified on XXXX XXXX but the original debtor is XXXX XXXX XXXX XXXX. I am pretty sure the account is from XXXX XXXX. XXXX XXXX is reported to XXXX by XXXX XXXX XXXX later purchased by Spring Oaks. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from XXXX XXXX XXXX initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
Consumer complaint received 2022-05-04
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: ThunderRoad Financial, LLC (CA)

To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by the following company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Specifically as it relates to credit inquiries that I did not authorize, made by the attached company.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

Dear CFPB, I am writing to illustrate some grave concerns I have with FedLoan 's servicing of my student loan, at the directive of the Department of Education ( DOE ). On XX/XX/2019 I received a notification from FedLoan that my loan had been placed in an " Administrative Forbearance ''. There was no disclosure in the letter why the forbearance had been applied. As required by the Truth In Lending Act, there was disclosure in the letter around the compounding of interest associated with this loan being placed in forbearance. After talking to the Department of Education it seems that the forbearance was placed on my account in response to the Borrowers Defense Fund ( BDF ) which I was apparently enrolled in a year before. The representative at the Department of Education for the BDF stated to me that there are over 200,000 applications pending review and that there is no expected timeline for the review, and that the process may take years to be addressed. Furthermore, she stated that no loans had been discharged through the BDF. I would like to tell you that the placement of this Administrative Forbearance onto my account caused a cascade of repayment issues with FedLoan, as I am also enrolled in the PSLF program, so making monthly payment is imperative. Although the personal situation of my account is bothersome to me, I have greater concerns about placing interest bearing Administrative Forberances onto the accounts of already at risk borrowers. When these loans are finally reviewed by the BDF, and return to a payment status there will be years of compounded interest applied to borrower ' loan, which will likely create a whole new crisis in student loan lending. If the Department of Education would like to take years to review these loans for eligibility for discharge, or rather spend years in court trying to find ways to circumvent borrower 's relief, these loans need to be placed in a non-interest bearing status while they are under review. 
As required by TILA, there was no language in the letter around the Administrative Forbearance to name the main beneficiary of the compounded interest, which is the Department of Education, and the Federal Government. This current structure of reaping funds off the interest of student borrowers in predatory, unethical, and illegal and must be reviewed. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I applied for a credit card transfer with Bank of America and was denied with incorrect information! I contacted Bank of America about this matter and the representative told me that I had to file a dispute! But I contacted XXXX to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their XXXX representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted Bank of America once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT XXXXCHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX CREDIT ACCEPTANCE ( LATE PAYMENT REMOVED ) Hello, To Whom It XXXX Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX XXXXXXXX XXXX  XXXX AND XXXX XXXX Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, EXPERIAN, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXXXXXXXXXX I was told by EXPERIAN REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently sent a dispute letter to Transunion on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Transunion was reporting an incorrect/different close date. Transunion reports a close date of XX/XX/XXXX while XXXX shows a close date of XX/XX/XXXX ( and XXXX does not even show a close date ). This shows me that, although it was said that it occurred, the account has not been properly verified, and Transunion has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

A payment was sent to Navient on XX/XX/XXXX. I used their online portal and emailed them 3 times to apply my payment in full to loan # 2. The only way I seem to be able to get them to respond and actually apply my payments correctly is to file a complain after getting frustrated with Navient not following my remittance information.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.