davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$6800.00}
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: FIRST PORTFOLIO SERVICING INC (GA)

Vervent Inc. XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all XXXX bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Consumer complaint received 2024-02-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation (KY)

On XX/XX/XXXX I was served with a legal complaint, electronically filed by XXXX, XXXX XXXX XXXX, on behalf of OneMain Financial XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from XXXX, XXXX XXXX XXXX as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received XXXX of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX XXXXo search for the legal action taken against me by OneMain. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt XXXX. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Myself, along with my mother, my father and husband were called repeatedly from " unknown '' and " No Caller ID '' numbers on XX/XX/XXXX around XXXX CST. A voicemail was left with each of us from a XXXX XXXX from The XXXX XXXX in California requesting that I call back immediately as I have a balance owed through their firm for a Fifth Third bank account that has been closed out years ago. I was told that I would be served papers on XX/XX/XXXX and that they would not stop until I paid them. My husband was threatened that they would serve me papers and continue calling until I paid the balance due. 

The woman my husband spoke to when returning the voicemail that was left had a horrible attitude when pressed about who she is, what company she works for and her contact information. He spoke to a woman who would not state her name, but said that her boss 's name is XXXX XXXX. 

This exact situation occurred XX/XX/XXXX from the same XXXX XXXX, but it was a firm working out of Texas. They threatened to serve me papers over an amount owed ( more than what the bank account closed out and settled for ). I asked for an email and contact information to send proof of the bank account being closed and I was hung up on and never called again. But now myself and my family are being harassed by these scammers again.
Consumer complaint received 2023-03-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I am attaching all letters sent to PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to PRA regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. PRA did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

PRA was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since PRA has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Consumer complaint received 2019-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (TX)

I am requesting from Credit Management Control the original amount of {$68.00} debt from XXXX XXXX XXXX of the debt, unpaid balance, and Sign Agreement With XXXX XXXX Signature down loaded to CFPB to view as proof FCRA Law require That the information be available on request are remove it from the consumer File are Stop reporting the information.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

in accordance with The Fair Credit act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX All Banks XXXX XXXX  Check Cashing Service XXXX XXXX Mortgage Reporters XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a complaint in reference to the XXXXXXXX XXXX XXXX They have been listed on my consumer report fraudulently. I have never received any agreements or documents verifying these accounts belong to me.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: Complete Credit Solutions, Inc. (PA)

i sent a letter on XX/XX/2022 to XXXXand XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ID)

I contacted Experian at XXXX XXXX MST to unfreeze my credit. The last time I checked with my bank, at XXXX XXXX XXXX, they still could not run my credit report. 
I called XXXX several times but all I got was automated system. The automated system said my credit report was unfrozen. However, my bank was still unable to run a report. 
I contacted two other numbers listed for corporate offices 1 ) XXXX this resulted in same automated system which never gives option to talk to customer service 2 ) XXXX this resulted in press 1 for automated ; press 2 to speak to customer service. However, when I chose 2, I was automatically connected to automated service again. 
I dont believe it should take more than one hour to be able to run credit report after unfreezing it. 
I would have unfrozen XXXX but my bank only uses Experian.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (DC)

NAVY FEDERAL CREDIT UNION the primary cardholder XXXX XXXX XXXX XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, XXXX and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : NAVY FEDERAL CREDIT UNION, as a result my XXXX Score drop from XXXX to XXXX this is a pattern with NAVY FEDERAL CREDIT UNION on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact NAVY FEDERAL CREDIT UNION on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to XXXX XXXX XXXX XXXX credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.
Consumer complaint received 2019-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

On or about XX/XX/2019 at a XXXX hotel in XXXX XXXX, NV. We were conned in opening a timeshare with the promise that we can pay the total amount in 24 months, 0 interest. 

On XX/XX/2019, we received a statement from a company " XXXX XXXX. '' At first I did not know about this company as I was expecting that I will be billed by XXXX. Apparently, they are the one handling our loan. 

On the bill, it states that we need to pay on XX/XX/2019, however, on our membership agreement, it states that we need to pay our first installment on XX/XX/2019. We just let it pass and pay the minimum installment. 

Between XXXX to XX/XX/2019, " XXXX XXXX '' charged us {$2.00} fee, twice without any reason. In addition the statement says that we need to pay our balance by XX/XX/2019, otherwise they will charge us with interest. 

I reached out with " XXXX XXXX '' which is owned by XXXX to file a complaint and told them that that is not right as the membership agreement said that we won't be charged with interest at anytime during the 24 month period. However they did not addressed my concern and just gave me typical canned response. 

Fast forward to XX/XX/2019, I received a billing statement with an interest charge of {$350.00}. This is totally in contradiction to what is written on the membership agreement. 

Hopefully our story might be lesson to anyone thinking about getting a timeshare from XXXX or even opening an account with XXXX, they are horrible companies. Stay away from them.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I've resubmitted a mortgage modification request with financials again. I've provided this information to my mortgage servicer several time. I requesting a mortgage modification with a fixed interest rate and 30 year term. My mortgage servicer has been unwilling to provide a modification with fixed terms and fix rate for my mortgage loan.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have contacted Mohela multiple times as my XXXX XXXX oans were forgiven under XXXX, but my XXXX XXXX loans were not forgiven and should have been. They have identical payment and employee certification information. I keep getting told paperwork was misfiled, they fixed it, and I will hear back. I hear nothing back, and nothing has been resolved. This has been the case for over a year. 

Now loans are in repayment. So I filed for a forebearance and received an email and letter stating my loans were in forbearance. Next, I start to receive emails my loans are past due. I return to their website to determine what is going on. The forebearance letter states in the first sentence of the first page my loans are in forbearance. However, the third page then states that my loans do not qualify for forebearance. So the letter contradicts itself. I have called multiple times, but have been unsuccessful in actually speaking to a representative.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.
Consumer complaint received 2022-12-15
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. (TX)

The ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$370.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NJ)

I been reaching out to this company since XX/XX/2019. I been calling and getting no response, I also been sending in letters every month to dispute false debt. I'm frustrated because this debt is in collections on my credit report. The debt it totaling {$470.00} from XXXX and XX/XX/2019 and its not mine.
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: Experian Information Solutions Inc. (IL)

I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX AV XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022