davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

Equifax Dispute Confirmation XXXX, does not address the issue or reason that I disputed. Their dispute reads " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX '' Again I have a check made payable to XXXX XXXX XXXX for the full balance. And once again they are refusing it, and insisting I call the company they sold the debt to. 

The company listed on my credit, must be the creditor. They must be the payable party. They can not list something without offering me a means to satisfy or pay it. This is ILLEGAL! The creditor name is essentially incorrect. XXXX XXXX would have to have whoever owns the debt, report to Equifax. This party can list XXXX XXXX as original creditor. This is being reported incorrectly. 

The listed party will not accept payment.
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Couch Conville & Blitt LLC (LA)

Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.
Consumer complaint received 2016-06-12
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (CA)

US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. 
Kindly, XXXX XXXX
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been in XXXX two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XX/XX/XXXX.During first trip I opened Bank of America checking account and close it right before I left a country at XX/XX/XXXX.Second trip was from XX/XX/XXXX till XX/XX/XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XX/XX/XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX at XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in XXXX XXXX till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to XXXX. Those accounts were opened within XX/XX/XXXX-XX/XX/XXXX years when I lived in XXXX and dont even think about XXXX. So, this complain is about BANK OF AMERICA account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for Bank of America credit card/never received and never use ANY of Bank of America credit cards . I physically lived in XXXX-it 's no way for me to used this card. I called Bank of America fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Consumer complaint received 2017-01-26
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Global Asset Agency, Inc. (RI)

I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.
Consumer complaint received 2022-09-05
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. (FL)

I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo told my son he could not get a student loan ... and encourage a co-sign er ... I/mother could not cosign ... because I was cosigned on the f irst one ... so my mother was asked to cosign and she did because it was the only way to get the loan as advised by WFB ... mother made many payments because my son was not able to ... but last year WFB sent two letters to my mom saying ... she should have never been on the loan and they will take her off ... I called and stated if she should have never been on the loan she should be given back her money and the loan should be closed because of having a second loan open fraudulently. WFB said they will return my mom 's money but will leave the account owing ... because my son should have been able to get the second loan on his own ... but how when he could n't get the first one without my   cosigning? I believe the account should be not only refund my mother but also close since the agreement conditions have changed and if given the original statement to my son ... my son did not quality for the second loan. We have yet to receive the check to my mother and they spoke to me asking me did my mom want to make the payments or made it out of obligations? I told them my mom is  XXXX   years old and is  not trying to pay on the loan out of want but because you sent mail to her saying she had to pay as the cosigner. ( I do h ave two letters tellin g my mom she should have never been the cosigner )
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC (CA)

i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

My lender refuses to apply payments to principal rather than to interest even when I gave explicit instructions to do so. The loan is not currently in repayment, so the payment of {$2000.00} was well over any minimum due ( which is XXXX ). Below you can see their response, and, below that, my original payment instructions. It is also strange that they say they were required to apply the payment to interest when the payment was n't even scheduled to happen for another week. I have since cancelled the payment until I figure out if they really are allowed to do this. Thank you for your help. 

Their reply and my instructions : " Dear [ NAME ], Thank you for your inquiry regarding applying a payment to principal. 

Please accept our apologies for the confusion and inconvenience you have faced with your account. Please be advised your student loans are simple daily interest loans, meaning interest accrues on a daily basis, even if the account is paid ahead, based on the formula, Principal x Interest / XXXX = daily accrued interest. When a payment is received it must first be applied to any outstanding late fees, then any interest that has accrued, and then finally to principal. 

Unfortunately, we were required to apply all of your payment to interest. Please accept our apologies for the inconvenience this causes. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX XXXX. 

Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : [ EMAIL ] Date : XXXX/XXXX/2016 XXXX PM To : XXXXXXXXXXXX Subject : Special instructions for payment Account No : XXXX Borrower XXXX Dear Navient, These are instructions for how to apply my loan payments : Please apply payments to the principal when at all possible. For example, I will soon pay {$2000.00} toward my loan [ XX ] online, and I would like the {$2000.00} to lower loan [ XX ] 's principal from {$12000.00} to {$10000.00}. Thank you, [ NAME ] ''
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I was made by XXXX XXXX XXXX to open a Care Credit account to pay for extensive dental work when they said they wouldn't take my XXXX XXXX XXXX XXXX anymore. I did so the day of a mouthful of extractions in prep for dentures. I was told you had XXXX months of no interest. I was anesthetized heavily and after surgery so I did what I was told to do to put {$1300.00} on care credit on XX/XX/XXXX, I paid {$1000.00}, and used XXXX  on balance. Eventually I needed an alveoplasty and XXXX implants for an implant supported bottom denture, so approx.another $ XXXX was put on the charge. Been paying $ XXXX month for the last XXXX months. Left {$1100.00} left at the XXXX date, XXXX days ago, when Synchrony Bank added {$700.00} interest charge to the acct stating I didn't pay it off in XXXX months. First, I was never told I would have to pay it off in order to avoid a {$700.00} interest charge on an {$1100.00} balance. I spoke with an account manager yesterday and she said all they could do was take the interest off if I paid the {$1100.00} balance by XX/XX/XXXX. I said I am a senior citizen on partial social security and can't do that. She wouldn't budge. Plus, neither did XXXX XXXX say anything about having to pay a big interest dump if it wasn't paid off in XXXX months. Plus I was anesthetized at time card was instituted on me. I couldn't have read a thing! And the girl taking payment wanted out cause was end of work day and was angry and impatient at how long XXXX processing took. Also, in XX/XX/XXXX I received a new Care Credit card in mail and I assumed it was just a newer XXXX so I activated it. Turns out it was a XXXX. I called them and said I didn't want a XXXX and that I had an XXXX month interest free deal on Care Credit XXXX I was told that was still ok to be continued, again, not a word said to me that if I didn't pay it off at XXXX month mark I would be scammed and deceived by dumping {$700.00} interest onto acct.balance. By doing that it took me over my limit and will cause my credit rating, which was above XXXX, to be destroyed. This was abuse of older person by both XXXX XXXX XXXX and Synchrony Bank without disclosure of penalties and without up front forthcoming verbally of true terms of this card. My XXXX XXXX dental card was free and never had interest.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

I paid my copay for medical services at the time of service. XXXX XXXX did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from XXXX saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NJ)

Mariner Finance indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX indicated that I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a XXXX XXXX  credit card in my life. The account # is XXXX. 

I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the XXXX XXXX  credit card and the mariner finance loan.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: P&B Capital Group, LLC (MI)

On XX/XX/24 I was contacted by this company stating that I owe a debt to another company and if I didn't pay they would take my home or put out a warrant for my arrest so I agreed but then p & b capital group refused to take the funds from my checking account but only wanted my debit card information and I don't feel comfortable with giving out that information so now I am afraid they will take my home or send police to arrest me
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I 've disputed XXXX credit cards that were paid in full and are n't reflected as updated. 

Experian 's " investigation '' did n't end up removing XXXX of the cards, my XXXX card. This information is inaccurate and still remains on my credit report. The account has been paid and should reflect this.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> transunion sent 8 of my creditors a letter indicating that the accounts was fraud. They all was closed in XXXX. I filed a dispute against XXXX  for the amount Only!! However transunion had all the cards closed for fraud which was NOT true.They destroyed a 10-15 year relationship with my creditors. I just started a small business last year I needed the cards for supplies and shipping etc. I have call and emailed and live chat for three months now. I filed complaint with XXXX  and transunion lied and said they would send letters of apology and error to them & myself that never happened. The creditor refuse to open the accts back up do to the fraud. I owe those creditors there was no fraud. Transunion outsourced our info our ss numbers should not be handled by people out of the country. I spent an hour last week trying to get things rectified still nothing. I am mentally drained.
Consumer complaint received 2019-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During the month of XX/XX/XXXX, I submitted an electronic dispute to Trans Union via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that Trans Union received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (GA)

This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.