davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (WI)

Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NV)

Hello, I am writing this letter in regards to a bill that I received in the mail from Credence Resource Management in the amount of {$990.00} that was already paid by my insurance in XXXX and I do not owe this debt. Please do not contact me again and try to collect on debt that I do not owe. 

Call documented : XX/XX/XXXX at XXXX : XXXX Spoke with XXXX and provided insurance info. She disclosed that it may take 30-45 days to update the invoice and receive updated bill, and my insurance XXXX XXXX XXXX XXXX will cover the bill. 
Confirmed on XX/XX/XXXX with XXXX XXXX XXXX XXXX that this claim was resolved and paid in the amount of $ XXXXClaim # is XXXX Account # : XXXX Status of account : PAID IN XX/XX/XXXX Thank you, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-25
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. (NC)

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX : XXXX
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarFinance Capital LLC, Irvine, CA Branch (VA)

On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help thank you!
Consumer complaint received 2022-09-08
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I took out a credit card with capital one in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. XXXX XXXX XXXX purchased the debt from capital one in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Continental Finance Company, LLC (GA)

On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I received an auto generated email with this company in regards to opening or attempting to open up an account with Citibank. I received an email saying that it was processing - Im not sure if its going to get denied or approved bc the email I didnt request told me it was processing the application. Additionally I have identity protection on my credit bureaus so this shouldnt have run at all. Without someone calling me. 
If this hard inquiry doesnt get reversed then I will continue with an attorney in my company. I already have a card OF yours I dont need a new one and my ex has been pulling a lot of nonsense on his end.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (MD)

I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a  validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

After the bankruptcy discharge the bank that I have the mortgage at, Mr. Cooper, stated that they never received my money. I have a statement from the Office of the Chapter XXXX Trustee XXXX XXXX. XXXX, saying that the money was deposited. However, my mortgage bank Mr. Cooper says they dont have the money. 
I had called Mr. Cooper multiple times and they were not able to locate the money. I also, had my bankruptcy attorney contacted them. Unfortunately, after a year of trying I am in default, no one can locate the money I paid, no one has any answers for me. I am afraid of eviction any time. My statement shows that I still owe them money but already I paid $ XXXX, and no one knows where the money is.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There is a collection account that shows on my Equifax credit report that is NOT my account. On several occasions, latest one certified on XX/XX/2021. I advised Equifax this was NOT my debt. They refused to delete this debt and state they " validated '' this debt. There is NO way they could have validated this debt because it does not exist. I asked them repeatedly for all the info that was " validated. '' They NEVER provided. I have also contacted the creditor ( XXXX XXXX ) and they NEVER validated this debt as well. In fact, they refuse to make contact with me. They never sent me anything. I have written communications with them on six separate dates which they NEVER replied. This item should be deleted from Equifax credit report. It is not on my other reports. I contacted Equifax yesterday and repeated the dispute online. Within 15 minutes, they concluded the dispute online stating they " verified '' this debt again. IN 15 MINUTES! There is no way they are being truthful. This is ruining my reputation. This untrue information needs to be deleted off my credit report. XXXX XXXX  {$960.00}.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/22 I received a letter from FedLoan Servicing about my PSLF qualifying payment update. It says it includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. However I believe this information to be incorrect as there was no adjustment to my qualifying payment counts and there should be and they are not able to clarify. 

FedLoan has incorrectly estimated my qualifying repayments and I deserve a fair and accurate recount and transparency.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a XXXX checking account in XXXX XXXX using the promotion code XXXX. This code promised that if I used the debit card for {$1000.00} of purchases as well as set up a bill payment for XXXX consecutive months, I would receive XXXX XXXX XXXX XXXX miles. After the account was opened with {$52000.00}, I telephoned XXXX to make sure all was in order and give them my frequent flyer number. They assured me all was in order but in order to record the frequent flyer number I should call XXXX, the XXXX direct line which I did. The person on that call also assured me all was in order and took my frequent flyer number. 

Once I had executed the requirements and the appropriate period ( plus ) had passed I called to find out why the miles had not been posted and received an encrypted email on XXXX XXXX, XXXX saying I would not receive the miles because it was a 'targeted ' offer. I honestly do not remember where I got the code, but I have to assume it was a mailing from Citibank - where else would I get it? But at no time - when I applied to open the account or either time I called to make sure I was correct about the terms and provided my frequent flyer number - was I informed that Citibank had a problem with my eligibility. In fact quite the opposite. 

I have left the money in the account and recently read about the CFPB assisting in just such a matter as this.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FCC Finance, LLC (MD)

Today I received a phone call from a number listed as " XXXX '' at XXXX XXXX on XXXX/XXXX/XXXX. The caller was from XXXX XXXX XXXX ( FCC Finance , LLC ) and they usually call from XXXX. However today they spoofed their number to show up as " XXXX '' ( XXXX ) on my caller ID. The representative from FCC called and asked me to make a payment with my debit card when I had already made a payment this month. It was taken by them from my bank account on XXXX/XXXX/XXXX. I am absolutely sure that this company spoofed their number. Because this company 's intent was to collect more money " spoofing '' is illegal per the Federal Communications Commission.

https : //www.fcc.gov/consumers/guides/spoofing-and-caller-id I feel insulted and harassed by this company 's practices and I 'm curious if other people have experienced this before as well.
Consumer complaint received 2021-10-04
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. (TN)

I disputed items oh my credit report all three credit. Collections and inquiries were removed from XXXX  and XXXX but not Equifax. How is that possible? I disputed via Equifax alone and still same results items will remain. I've uploaded screenshots of my report. There's a huge difference. I have 5 total with XXXX and same with XXXX. With Equifax that's maybe 10 or more and I've disputed but remain and removed from the other 2. Also 2 collections on both XXXX  and XXXX but many on Equifax. I advised Equifax There's no way I was looking for a mortgage after XX/XX/2019. I bought my home in XX/XX/2019 so why would I look for a mortgage in XXXX or whatever months. Also, they will not removed any of the loan inquiries that I didn't do. I applied for a Loan once XXXX XXXX which I was approved and currently paying. Anything other than that I didn't do.
Consumer complaint received 2017-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUSTMARK CORPORATION (MS)

I received a call from my banker advising that my home equity line of credit payment would be increasing from interest only payments to 2 % of the balance effective XXXX XXXX. around XXXX XXXX due to a drop in my credit score. The following week I received a letter from the bank confirming the above mentioned. I ask the banker to see if I could retain the interest only status until I could examine what caused the drop in my credit score.  Approximately 2 days later I was advised there would be no change in the actions taken. 
XXXX XXXX I sent a certified letter to the financial institution advising the effect and impact of raising my payment from {$190.00} to {$570.00}. The scheduled payments had never been late or missed. In addition to increasing my APR and payment on the line of credit my XXXX was also shut down and the APR increased, neither payment has never been late since inception. I did receive a response but not from the certified letter. The response stated that the bank exercised a clause allegedly in the HELOC that they did n't provide a copy of. This harsh unexpected increase will at some point send the products into default. The response went on to say the decision was n't because of late payments but rather an overall review of my credit report provided by the credit reporting agency XXXX. I did not authorize a review of my credit nor was it covered in the disclosures ( Unfair Deceptive Practices ) that a periodic review would be conducted that would grossly impact my ability to pay. In addition to the payment increase the rate was increased and as stated the accounts had never been late. Please help, I have confirmation of registered mail copies of the letters etc. Thanks
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

I am submitting this complaint because I am being extremely affected by FIRST CREDIT SERVICES XXXX INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : When Covid hit in XXXX, I called the gym to cancel my membership but they didnt allow me to cancel on the phone or online, they said to send a written notice, which I did. Months later I found a collection on my credit report. There is no membership fee due, I was not sent any notices of bills being past due either I was harassed on the phone and told the company I was disputing this debt and for them to only correspond with me via mail. But I kept on getting called by their robot caller and they failed to mark my account as disputes. 

This is my account regading this matter : Account name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. 

Solution : deletion of my account from all credit bureaus ( XXXX, XXXX and XXXX )
Consumer complaint received 2017-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

XXXX has turned over an account to collections that I resolved. I moved, and they did not have service in the area I moved to so I cancelled my service, and dropped my equipment off at their drop off box on XXXX XXXX. I do not owe the debt they have turned over.
Consumer complaint received 2017-10-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

My father recently XXXX XXXX in XX/XX/XXXX from a XXXX XXXX and he was the cosigner on my loan. In good faith, I contacted Navient to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XX/XX/XXXX.  Now, the debt collection company Navient uses to scare people, XXXX, is contacting my mother who is XXXX enough from the XXXX of her husband, demanding payment. I am requesting that Navient recall the loan from XXXX and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is {$5800.00} and {$11000.00}.
Consumer complaint received 2017-10-17
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: Onity Group Inc. (CT)

Ocwen loans is reporting on my XXXX report has late and with a last payment date of XXXX XXXX. I have n't had an account with this company in over XXXX years. This debate is well over XXXX XXXX XXXX. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe ocwen loans any money therefor it should n't be reporting late payment and balance due.
Consumer complaint received 2017-06-27
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. (CA)

To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (KS)

At XXXX pm cst on XXXX/XXXX/XXXX, I called XXXX to contact them regarding notices of XXXX debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.