davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I received a letter from Wakefield and Associates - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX - claiming that I owed XXXX XXXX {$150.00}. I wrote to them and explained that I had contested this with the doctor, and instead of responding to me, the doctor sent the file to collections. I explained that I had called this doctor for a XXXX consultation, and asked if the practice was a XXXX provider. I was told yes, so we went to the consultation. During the consultation, we were advised that the location that they used to perform XXXX was NOT a XXXX provider, and that our insurance would not cover it. 

Since we made the consultation appointment based on mis-information, I do not feel we owe for the consultation. 

Finally, even though I asked Wakefield and Associates in writing that I did not want them to contact me again, I received another letter from them in the mail today stating that I had asked for additional info. I did not ask for anything - I had only asked them to stop contacting me. They have not honored my request.
Consumer complaint received 2017-12-31
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: Experian Information Solutions Inc. (MI)

I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX {$7200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-09
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follows : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Open Late Date XXXXXXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLat/Closed Late Dates XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

ACCOUNT RECIVABLES PERFORMANCE ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH XXXX IT NOW APPEARS THROUGH THIS NEW COMPANY RECIEVABLES PERFORMANCE AND IS IDENTITY THEFT.
Consumer complaint received 2022-01-05
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. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NV)

I applied for a Business Checking Account with a credit union. I completed the application online like required. Uploaded all supporting documents they requested. Waited two day and called to check on the status. I was told by the member that the only way I can open a business account with this credit union, is I have to 1st pay back the losses they took when my Ex-Husband and I filed XXXX XXXX bankruptcy more than 10 years ago. At the time we filed bankruptcy, the credit union closed our checking accounts and cancelled our debit cards. We were only allow to keep a savings account. At that point we both had been members for over 20 years. After several years we were allowed to reestablish our checking accounts. My account has remained in good standings. 

When we filed bankruptcy, we volunteered and turned in our vehicle because it was included in the bankruptcy and even though we were managing the payments, we knew that the credit union had the right to repossess the vehicle at any time. One of us had a credit card with them as well that was also included in the bankruptcy. 

So, before this credit union will extend a business checking account to me, they are saying I would be required to pay back over {$13000.00} in losses because of the car and credit card before I would be allowed to open the account. 

They do state that they are aware of the bankruptcy and that the debt was charged off, but it is their policy that their losses must be paid back before they will allow any of their customers to do business banking with them, I am wondering if that is legal, because I know they sold the vehicle which would have been a profit to them, but they are standing on the balance that was owed when we turned the car in. 

Please advise and thank you for your time.
Consumer complaint received 2022-09-09
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. (FL)

XXXXXXXX XXXX XXXX XXXX gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXX dollars and the balance on the card is still XXXX dollars. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXX dollars and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXX dollars please on my XXXXXXXX XXXX  XXXX XXXX Credit card please.
Consumer complaint received 2017-12-31
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. (GA)

I filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Services (AZ)

Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.
Consumer complaint received 2017-12-31
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. (GA)

I filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.
Consumer complaint received 2017-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (TX)

Providian Finance , out of  XXXX   XXXX  has called repeatedly, threatening charges to be filed against me, as well as being served with papers at my place of employment and at my home. They have also called my father leaving the same message under a law firm called    XXXX   XXXX   XXXX   . I have researched this company, and they are calling under false pretense.  <P/> I have not answered their calls, phone numbers include : (   XXXX    )   XXXX   (   XXXX   )  XXXX   and unknown.
Consumer complaint received 2023-01-28
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (VA)

Mortgage paid in full on XX/XX/XXXX. 
XXXX mortgage payment was 30-day late. 

Mr. Cooper / Nationstar reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because Mr. Cooper has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc. (LA)

I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (ND)

The creditor called me XX/XX/XXXX @ demanded payment in full ... I paid the outstanding balance of {$1400.00} XX/XX/XXXX. In  XX/XX/XXXX the creditor appeared on my credit reports for all the agencies as {$1400.00} being charged off in XX/XX/XXXX and that amount still being owed to the creditor. I filled disputes, it is removed and a month later it is back on. I called the creditor and they found it was paid in full in XX/XX/XXXX and agreed to correct the information with the credit bureaus but it is still on my credit report. Creditor is XXXX/XXXX
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXXXXXX XXXX XXXXXXXX I took advantage of the Cares Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and my hours were reduced since I purchased this home. Truist Bank Mortgage department approved a modification agreement in XXXXXXXX XXXX XXXXXXXX. 

I signed, notarized, and returned the modification agreement Truist mailed ( XXXX  ) me in the same XXXX  package they provided. 

i began making the agreed upon modification payment XX/XX/XXXX. In XX/XX/XXXX, Truist sent me a letter that my medication agreement was null and void because they did not receive the modification agreement in XX/XX/XXXX. 

I faxed Truist the copy of the notarized modification agreement in XX/XX/XXXX. 
They denied my modification agreement despite me proving that I signed and sent back. 

Truist is trying to foreclose on my home and will not accept my payments. 

I do not want to lose my home. 

i am a single mother and I did sign and return a notarized modification agreement that Truist offered in XX/XX/XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

XXXX XXXX Ss # XXXX PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX. 

I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.