davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (PA)

There was a negative hit on my credit report from a company called CarpioPartners that was opened XX/XX/18 for {$120.00} for XXXX XXXX Hospital. I have never received any information on this amount from anyone. I am fully insured so there are no outstanding account balances.
Consumer complaint received 2019-05-14
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (WA)

I have sent dispute letters certified receipt and asked Lexus Nexus their method of verification of a bankruptcy they list under my name in which they have not responded to within 15 days, they have not responded at all.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

I contacted Discove almost 2 years ago when I first saw this pop up on my credit report. They said and freely admitted at the time they could not prove identify of the account I explained that it was not me. There were charges feom XXXX to XXXX. But they did not and the card did not belong to me. I did a report and investigation. Even got legal advice. Did what I was told and Discover finally removed everything from my credit report. Almost a year later it gets added back to all XXXX bureaus after investigations it was removed and deemed identical could not be proven. Now I do no have access to the account nor do I want access. But I spoke with an attorney again amd they made it clear to me that this needed to be removed. It had already been removed. Discover apparently disputed the charges back with individual business and reciebed there money back. Then after the disputes where over and the business paid them back they add it back to my report. I have posted the proof. I'm sure ypu have access to the proof showing it removed. PLEASE HAVE THEM REMOVE THIS REPORTING ASAP or I will have no choice but to take further legal action. As now this is stopping me from buying a house. So there inaccuracies and incorrect reporting is now having a huge impact on my way of life. SO AGAIN REMOVE IMMIEADTLY PLEASE
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

Store purchase of {$28.00} paid in full, but credit card company assessed total of {$63.00} for late fees and finance charges, their letter dated XX/XX/2020. My letter dated XX/XX/XXXX attached bank statement showing charge of {$28.00} paid, copy of check mailed and dated XX/XX/2020, all payments made and sent on time.
Consumer complaint received 2018-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Several weeks ago I discussed terms for a rate reduction program. That reduction was eventually agreed by all parties, after 3 months of back and forth, and the automated terms were agreed to. The program was subsequently denied by a supervisor. I made several attempts to contact that supervisor, leaving several messages, with no response. I left message was left with a different supervisor who works with the woman in question. I communicated my desire to have the original rate reduction terms reinstated, and he communicated that desire to the proper supervisor as well as noted my account. 
Since that time 2 payments have been processed by navient as agreed in the rate reduction terms. On XX/XX/XXXX, I contacted the same department and at the suggestion of the representative set up a new program as opposed to renewing the previous program. I was assured, on a recorded line, that after 3 on time payments at the reduced amount my account would be made current. At that time I made a formal complaint to ensure the additional interest charged would be credited back, and that complaint was confirmed received and sent to the ombudsman. I have not received any communication from NAVIENT or the ombudsman since that time. 
Today, without authorization, NAVIENT debited my account XXXX representing every dollar I have. 

I have more issues with these 3 private loans than I have with all of my other debt instruments combined. I have attempted at every turn to pay my debt, and for years have paid on these private loans. As it stands today I owe more than I borrowed. The conduct with respect to this matter is simply unacceptable. I am trying to fulfill my obligations as best I can, and because of the misconduct by Navient I am being economically harmed. Additionally, this incident is requiring substantial time on my part which is causing me significant stress and straining my job. I am literally begging someone over there to please take ownership of this file and make some positive steps to resolving this once and for all.
Consumer complaint received 2018-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Numerous letters by myself to Navient, applications and office calls, over 20. Just recently i received a letter from them. I responded to the address they said to send all correspondences to on the front page. I sent a certified letter tooi thenand it was returned with a USPS stamp, they were not there. So I called the number listed.. disconnected. 
So an employee from Washington state attorney 's office, who I was working with, went to the address. The tenants had been there for 3 years! No Navient! He doubled checked the address and it was correct. Navient lied on the documents. So I wrote a another letter to a separate address asking for a working address and they will not respond.. but they have called distant relatives divulging personal info, and then hanging up on them. 
This happened about XX/XX/2018. 
They are unethical and now I see why they are in trouble with the government.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had a XXXX XXXX  for 14 years with no issue. Paid my mortgage monthly every month without fail that entire time. I also paid extra for the principles with no problem. They sold my mortgage to Select Profile Servicing, SPS, and since then, it has been nothing short of horrible. Whenever I paid extra they applied it to the next months, sometime three months ahead. I had to call them everyday for the past 2 weeks as they keep my money in un applied account for free and charging me interest they do not deserve. For every single transaction such as paying online they chafe {$15.00}, no matter what you want or ask you pay for it.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

All student loans were consolidated back in 2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

All student loans were consolidated back in 2017.

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated.

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX XXXX XXXX XXXX still shows me INCORRECTLY in Default!

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information!

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

My loan was paid off to XXXX XXXX back in 1990 over 30 years and they have sold it to several lenders advising them an incorrect amount. In my loan was only for XXXX and sold for XXXX in interest to Navient. I need off my credit and interest forgiven. Please assist and have removed from my credit. Thanks!
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (DC)

At the beginning of XX/XX/2020 I was 'Conditionally Approved ' for a cash-out refinance loan with Loan Depot through Loandepot.com. The loan was conditionally approved within 3 business days. I was advised loan would close in 30-45 days and not to pursue any other debt financing during this period. My case manager became unresponsive after multiple emails after 30 days from the Conditional Approval indicating she was 'working on my file '. Only after multiple attempts to get answers, a call to customer service got her to review my file. On XX/XX/2020, she had me sign documents to initiate the 'closing of the loan ', I later learned that was actually done before my loan was given to the underwriting department. After multiple phone calls emails additional documents submitted my loan finally closed on XX/XX/XXXX -- The file was not handled properly and we were advised to sign blank forms and 'fill out forms during the closing '. On XX/XX/XXXX I was advised in an email to back-date a document in order to close my loan. On the phone I was advised I needed to do this or they would need to reschedule my entire closing again, however, I found this document in my file and did not need to do this ... XX/XX/XXXX XXXX I was informed in an email the closing documents are 'under review '. Upon the advise of my attorney I am filing a formal complaint for the questionable business practices I've encountered during the process. I can supply emails and documents on request. Based on recent posts to the XXXX and other online sources it seems as though Loan Depot is engaging in a pattern of deceptive business practices in order to cover for processing error in its system that are injurious to the consumer.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX email XXXX You are in Direct Violation of The Fair Credit Reporting Act ( COMENITY BANK XXXX,, has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediatety as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2021-02-26
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-02-26
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. (MO)

Just disputed this and was changed on XXXX and the info is still inncorrect this item has been reported wrong several times all the errors has caused more damage to my credit report and scores than it should i have the contract that states 72 month terms its showing 75 another error
Consumer complaint received 2020-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

LVNV has continued to practice illegally using my personal information that was not provided to them by myself, nor do I have a written agreement or contract with them in the amount of {$560.00}. My consumer rights have been violated according to XXXX and I would like to have this taken care of immediately.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I reached out to XXXX XXXX loan officer for chase bank, ID # XXXX, in connection with a home refinance loan. After many emails back and forth discussing credit, income, and fico score specificities, Mr. XXXX said via email, based on your information, and after speaking with my manager, we are able to provide a loan to you. Believing that Mr. XXXX, acting on behalf of chase bank and its affiliates, requested my personnel loan application for loan process. I then provided my personnel information, and a credit pull was executed on my credit file. Again, Mr. XXXX ensured me that he would begin work on my loan immediately. However, after 4 days past, I was still inquiring for a response back from chase regarding the loan process, by which Mr. XXXX finally responded and said, sorry, credit was denied. When I asked why, he stated, rates change everyday. I believe that Mr. XXXX, and Chase Bank made misleading and false promises Im order to acquire my private information, and then deliberately lied to me, and discriminated against me for no apparent reason. I am a very credit worthy person, with many current and on time payments, income, and fico score. Mr. XXXX and chase bank have damaged my credit file, and also made false and misleading promises in order to acquire my information, and then denied credit of merits that did not pertain to me. I demand that chase bank remove the inquiry on my credit file, and compensate me for causing damage to my credit, and creating a negative impact to my ability to achieve my credit goals. This is based on the evidence I have in emails sent to me directly. This is a blatant and malicious act that must be addressed and corrected immediately.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section XXXX. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation
Consumer complaint received 2018-06-12
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: Experian Information Solutions Inc. (TX)

This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " XXXX XXXX XXXX '' and I ask then to do the same. Experian did not do their due diligence in their investigation, if they did, then Experian would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'XXXX XXXXXXXX XXXX '' to provide me with several documentation : 1. What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account?

Experian has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.

I attached all the necessary documents as proof, to further prove that Experian did not do their due diligence in verifying if this information is correct.