davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (FL)

XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans  that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. 
This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. 

XXXX  first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! 

How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, Experian and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.
Consumer complaint received 2019-03-05
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. (NY)

-I had a 36 month auto lease from XXXX XXXX XXXX that ended on XX/XX/XXXX. -The last payment was made on XX/XX/XXXX. 
-The vehicle was returned and was showed as paid off in full as of XX/XX/XXXX. 
-Then I receive a notice on XX/XX/XXXX saying that my credit score dropped 97 point due to a 30 day late notice from XXXX XXXX XXXX. 
-I then contacted XXXX XXXX XXXX on that same day and spoke to a XXXX XXXX . XXXX said it was a mistake and that they would send a letter to all 3 credit bureau 's stating that I was in good standing as he also sent me the letter that was sent to all 3 bureau 's. He stated that it could take up to 45 days for the credit bureau 's to respond and fix the mistake on my credit file. 
-XXXX and XXXX fixed the mistake on my file within the 45 days but Experian did not. 
-I then called Experian on XX/XX/XXXX and they told me that they did not have any documentation on file from XXXX XXXX XXXX and that I would need to file a dispute with them and that it would take 30 days for them to remove the late notice on my report if XXXX XXXX did not respond to Experian 's inquiry relating to the 30 day late notice. 
- I then called XXXX XXXX, at XXXX XXXX on XX/XX/XXXX and told him that Experian did not recieve the letter from them and that they are going to put it through there system and that it would come off if XXXX XXXX would respond to the dispute. They then looked into it for me and then responded back later that day and said that experian never posted anything on regarding my situation. 
- I then called Experian back several times and they just keep telling me that there isn't anything that they can do and I just need to wait until the 30 days are up which I was going to do until I found out that the 30 days didn't start until XX/XX/XXXX and not XX/XX/XXXX. 
-This entire situation has been a financial hardship and nothing but stress since I am going for a mortgage and will either get rejected for this loan or will have to pay for a much higher interest rate then I should get from them if my credit score was correct.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

Back on XX/XX/XXXX XXXX  accidently added a tablet to my account and they told me XX/XX/XXXX that it was removed and now a collection agency want to collect and place a item on my credit burear account.

DIVERSIFIED CONSULTANTS INC XXXX  Florida
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (MO)

I have written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed Equifax XXXX XXXX and XXXX as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my Equifax report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I have made several attempts to contact Equifax for my report. Since XXXX I have been getting unable to deliver online. This year, XXXX, I was turned down for funding because of the Equifax report. I attempted again to get my report, only to get same decline online. I made several calls and can not get to a human. I called on XX/XX/XXXX to obtain a credit report through the automated system ( since its the only thing I could do ), and recording stated it would be up to 15 days to get the report. That would have been XX/XX/XXXX ( not including weekends ). Today is XX/XX/XXXX and no report. This is unacceptable for this company. They have also broken the federal law by not providing me with my report and I requested it.
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (PA)

I traded my XXXX in for a new XXXX XXXX never used leftover because it was a XXXX XXXX XXXX XXXX speed  so nobody wanted they wanted XXXX  at XXXX XXXX on XXXX the problem is they added my repair loan for my XXXX repair into loan then the rate went up to XXXX instead of what I thought XXXX so I would brought it back but they sold my XXXX I tried to refinance my car loan with no luck because its a 2017 and over payed Im into one year of loan and they said they would refinance my car loan around 10-11 months then they lied saying state banking as of XXXX I purchased car in XXXX wont allow us to refinance auto loan anymore I called state banking they said not true so I need help to lower my loan also XXXX has false credit stuff on my report bringing my score down and they arent in America anymore help XXXX XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account # XXXX requirements of the XXXX and FACTA and the privacy rules and rights of the HIPAA ( Texas ) Medical Privacy Act. Please be advised that they are subject to the penalty rules of the Medical Act statute.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (TN)

I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Hello, I transferred an international transfer from my account in XXXX XXXX XXXX from XXXX XXXX in the amount of {$15000.00} on XX/XX/year>. The transfer was tracked XXXX XXXX to a beneficiarys account in XXXX. The intermediary bank for the international transfer process was HSBC XXXX XXXX USA, and the transfer was rejected by the intermediary bank. HSBC XXXX XXXX USA as shown by the international transfer tracking XXXX XXXX from the date of XXXX, i.e. 11 days ago, but until now the amount has not been returned to my sent account, and when I contact my bank, the response is that Until now, we are waiting for the intermediary bank to return the transfer amount so that we can return it to your account. No, I need help and solve the problem and return the transfer amount to my account. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (AZ)

I traded in my old XXXX for a newer one and set up payments on auto pay as I've always done over the past 7 years with impeccable payment history. 

XXXX failed to take out the payment from my auto pay and didn't contact me until I was past the 30 days. 

I've NEVER Missed a payment to XXXX. I had the money in my account, and this was their mistake. 

This is hugely impacted my credit score for something that was not my fault.

Please let me know what you can do to help.
Consumer complaint received 2022-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

Would you mind investigate this personal information for me - Seems little awkward with certain information? I was going through my personal information on my credit, and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? 

I mean, is there a reason why my personal information on my credit report contains errors? 

Basically, I am looking at my credit report, I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2017-12-27
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: Nelnet, Inc. (TX)

I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

In XXXX of XXXX I refinanced my mortgage via XXXX XXXX XXXX  - who then sold the servicing to BSI Financial in XX/XX/XXXX. During this month my homeowner hazard insurance and XXXX property taxes were due. The Escrow account was transferred to BSI but no payments made. I was told that they fell through the cracks during the transfer from XXXX XXXX. 
( * ) XX/XX/XXXX - I called BSI financial and told them that my insurance and property taxes were not paid. They told me to send them info for the county taxes and insurance company to their customer service email address : XXXX I sent them emails with attachments for the annual premium and property tax. 
( * ) I called and resent the email with attachments 10 days later. 
( * ) I paid the insurance with my credit card so as to avoid not having coverage. 
( * ) I call on average every two weeks to check on status - each time there is no status. 
( * ) XX/XX/XXXX BSI sent payment for insurance and 2 weeks later my insurance company re-imbursed me ( * ) XX/XX/XXXX - I called two times about property taxes not being paid and I was reassured that any penalties or interest would not come out of my escrow - being told it was being escalated - now 5 months delinquent and XXXX taxes due in XX/XX/XXXX. 
( * ) my last call with BSI financial customer service I my call was dropped as the rep was researching why they did not pay out of escrow - which continues to accrue funds.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-South Adjustment Co., Inc. (AR)

I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. Contacted XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am pleading to have my goodwill request fulfilled. I have been an over 3 decade long customer of XXXX and hold many assets. XXXX stated to me that they do not submit anything in goodWill. This is outrageous. I am elderly and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX XXXX. To make them aware of my situation but yet they still reported me late. Please remove the lates on my XXXX  account out of goodwill please.
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 status incorrect
Company: WELLS FARGO & COMPANY (OH)

In XXXX I filed a Chapter XXXX with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that Wells Fargo Bank our mortgage carrier had placed a lien on our home. We were never contacted by Wells Fargo concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its Wells Fargo! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been XXXX in a Chapter XXXX ( {$23000.00} ) Wells Fargo should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, Wells Fargo should have contacted us about the company approaching them with some alleged bad debt.
Consumer complaint received 2022-09-08
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. (FL)

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MA)

I bought a Vanilla Visa Gift Card in late XX/XX/XXXX and loaded the card with {$500.00}. I'm located in Massachusetts, I bought the card in Massachusetts and I did not leave Massachusetts during the time of this issue. Immediately after I bought the card, someone made charges on it at a number of stores including a XXXX XXXX XXXX and a XXXX  in XXXX XXXX that totaled more than {$400.00}. Once I noticed the transactions, I notified Vanilla and they closed the card. I can't even access the transaction history for the card now. As a result of these fraudulent transactions, I have not been able to use any of the {$500.00} XXXX put on the card I submitted a dispute packet to Vanilla Gift Card on XX/XX/XXXX and resubmitted it on XX/XX/XXXX. Vanilla acknowledged receipt of my dispute packet on XX/XX/XXXX and told me I should expect a " complete resolution within 90 days '' of XX/XX/XXXX. Despite this promise, they have not responded to my dispute. Moreover, I have emailed several times seeking information ( XXXX XXXX, XXXX, XXXX. XXXX, XXXX ) about my dispute and they have not responded. I also called Vanilla Gift Card on XXXX. XXXX and I was on hold for over an hour and no one answered. 

When this card was sold to me and loaded it is clear someone had already stolen the number and was just waiting for money to be added to the card to drain it. Vanilla should fix this situation, yet they will not respond to my dispute.