davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NY)

I have worked for a local government over ten years and have made 120 qualifying payments towards my student loans. 

My application is being unfairly denied because my loans were consolidated under duress by Sallie Mae in 2005. 

Sallie Mae has since sold my loans to Navient, and neither they, nor the U.S Department of Education will forgive these loans even though I meet all of the criteria for the program. 

The next step without resolution will be to make a federal case here on behalf of fellow plaintiffs in a similar position in a Class Action lawsuit brought against the federal government.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX 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, Company Inquiries : Company Inquiries 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo Bank on XX/XX/XXXX when I noticed unauthorized activity on my account dating all the way back to XX/XX/XXXX. I filed 2 different claims bc of the length of time the fraud began. The claims numbers are XXXX and XXXX. I was told due to Reg E that the claim ending in XXXX would take up to 90 days to get processed. I was then told the claim ending in XXXX would be processed differently as the charges occurred within 60 days and a provisional credit would be issued. The provisional credit was not issued within the 48 hours that they said it would be. I spoke to several different reps on Friday, Monday and Tuesday trying to get this resolved. I keep getting the run around. They are now saying the cases are being merged together. That provisional credit will not be issued. This is causing a financial hardship for me and my family. I have XXXX small children who have XXXX XXXX.
Consumer complaint received 2018-02-13
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. (MI)

I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Consumer complaint received 2020-05-09
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. (NY)

XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX  This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding flagged my collections for {$430.00} I have no knowledge of this debt or where it comes from. I never gave LVNV Funding my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt. Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, US DEP ED. INQUIRIES : XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

I have debt on a Synchrony Bank credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XX/XX/2020. Another collection agency, XXXX XXXX XXXX has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, XXXX XXXX XXXX has hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. XXXX XXXX XXXX also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from XXXX XXXX XXXX and the date of that, as well as their attorneys letter and the date
Consumer complaint received 2021-08-07
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. (NY)

My Experian report shows an account with XXXX XXXX that I simply do not own. I became aware of this around XX/XX/2021. 

I called XXXX XXXX to report the problem, initially thinking that this was a fraudulent account opened with my social security information. They then reported there is no account registered to anyone with my social security number. 

I followed up by checking other reports - from XXXX  and XXXX. None of which show this account, so clearly this is a problem with Experian 's report. 

I called Experian twice to register a dispute. Once, thinking it was a fraudulent account, and then later after I had talked to XXXX XXXX directly. The dispute went on for a couple of weeks, and when finally " resolved '' on XX/XX/2021, did not change anything on the report. 

This is obviously frustrating, as I took all possible steps I could, and Experian never reached out with a satisfying resolution or to follow up.
Consumer complaint received 2019-05-08
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: HCFS Healthcare Financial Services of TeamHealth (GA)

There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
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 information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My complaint is against Capital One Financial Corporation, they refuse to remove a business account which they closed out due to fraud charges. The information of the account is the following : Capital One business account # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, status : paid and closed. I already tried disputing account with them, I attached the letter that was faxed to Capital One Bank on XX/XX/XXXX. Checking my reports Capital One didnt even investigate the account which it is a violation to the California Reporting Act. Also attached a Federal Trade Commission report filed for stolen mail and Im also attaching an unfiled SC-100 against Capital One bank, which in the case they dont remove account I will file. Not removing an account with fraudulent activity is a violation to the California Credit Reporting Act.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a phone call at work fro m McCarthy Burgess and Wolf  (  XXXX  ). They stated that I owed {$300.00} to  XXXX  resorts for a trip on  XXXX   XXXX . They stated I stayed at  XXXX   XXXX  on that night. I stayed at  XXXX   XXXX  for  5  nights in  XXXX . I did not book through  XXXX . I called the resort, and they said I do not owe any money. This is a scam.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My wife and I opened a money market account at huntington bank to save money for building our house. After taking money out for construction, my wife asked the office to close out the account and transfer any remaining funds into our other savings account. This was before all this Covid stuff started. The bank was having problems and said they would get back with her. I didn't realize that the bank was charging {$25.00} per month if the account was under {$25000.00}. I wanted to transfer some money from my checking into my savings. Huntington hid any savings account under another tab, so the savings balance is not easily seen. When I selected the tab, the money market account was in the negative. I made a complaint to the Huntington office on XXXX XXXX in XXXX XXXX, mi. They only refunded {$75.00} dollars in fees. This branch said because the account was opened at the XXXX branch in XXXX XXXX, MI. There was nothing else they could do. I went to the XXXX branch, and this branch said because the XXXX XXXX branch refunded {$75.00}, there was nothing they could do. So as far as I figure, Huntington owes me over {$500.00} dollars because they didn't close out the account when my wife asked them to close out the account. Plus, the bank knew that they charge fees on accounts like this, and not one associate said, " I see that the money market account is below {$25000.00}, are you aware that your getting charged {$25.00} per month? '' My wife goes to the bank all the time, and not once did any associate mention any fees.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. USDOE/XXXX, XXXX, US DEP ED.  INQUIRIES : XXXX
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is charging clients a minimum {$1.00} on credit card purchases even if you pay the balance the next day. I have excellent credit and I use other banks and card issuers and no other institution does this. I called them and they had some completely crazy explanation. I know it does not sound like much money but over the millions of customers they have its a big problem. Month over month Wells Fargo still has not learned their lesson. I keep them because they are my oldest card and I carry no balance. Used the card once for {$13.00} and paid off the next day and they charged me a minimum charge of {$1.00} for interest. Its a real shame.
Consumer complaint received 2019-05-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westlake Services, LLC (CA)

Since XXXX I received threats phone calls from Westlake Financial services located XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX saying that I was going to be sued. For a car Loan that was under XXXX XXXX x. 

When at the time I was going through a separation/Divorse. I ended up XXXX  with XXXX children at the time.I paid the Collection Company? Over the phone.The phone number that Westlake Financial Services had provided me for a third party Collection company, that represented them.I was told to call and make the payment.I was told by Westlake Financial services to make a one time XXXX XXXX payment and that the account would show Paid in full.And that I would receive a letter saying that the account was paid.With a XXXX Balnce NOt a charge OFF in my credit report. Westlake Financial Services Lied. They send me a letter from another company that says that they paid the charge off.After they took my money.WLF services stole my money {$2700.00} sold the truck and lied because I never received the " proper letter " that was agreed over the Verbal agreement over the phone.With there so called third party collection company? That every time since XXXX I been trying to get there information to sue them.West lake financials services never provids me with the knew contact info? .Keeps on saying that they will call me back and it never happens.Every time I complaint to Westlake Finacial Services I'm told by the Knew Supervisor 's that the information is going to be Fix and that a new letter is going to be send to me.And the wrong information is going to be Corrected. Westlake Financial Services keeps reviving the account in my personal credit report everytime that I complaint about this account with the updated dates of knew account.This is a very old XXXX? account that is not mine it was my ex 's XXXX XXXX. WHY don't they look for him instead of harrising me after the fact that I already stoled my money.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Resources (OK)

I signed for classes in XXXX, XXXX and cancelled in XXXX, XXXX due to finding another classes at a closer vo-tech. Collection agency is showing his opened XX/XX/XXXX and date of last activity as XXXX and this was all from XXXX. Since I cancelled these classes prior to the class starting this should never have been shown as a collection.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 60 120 days past due on the XXXX partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (WY)

Sunrise Credit Service contacted me about the debt. There was a dispute about the debt amount. I handled that dispute on my end by turning in equipment that was being charged for. Sunrise Contacted me with the updated amount of debt. I requested the updated charges and advised them that it was my right to have proof of the updated charges and the new bill. Sunrise XXXX threatened that I needed to pay or they were going to report it to my credit that week. I let them know it was my right the have proof of the debt before then. They said they would request XXXX send the bill. They did not threaten to report to my credit again after that. However, they then proceeded to report the debt to my credit as threatened, even though I had not yet received the bill, proof of the debt, or had the 30 days to dispute the debt if there had been any issues. I did receive the bill in XXXX after the report and have paid the debt. When discussing this with Sunrise Credit they claim that the first initial contact in XXXX was when they sent the initial validation of debt. However when I informed them the debt had been changed and that even if they were going in contact before the debt had been changed later in XXXX, I had 30 days to dispute the debt so they were not supposed to report that to my credit. The manager refused to agree that I had that right and would not agree to take back their report or write a letter saying that the debt was not supposed to be reported. I let him know I would be submitting a report to the CFPB and the manager said he didnt care.