davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (CA)

On XXXX2018 I had to visit XXXX XXXX XXXX. Upon receiving the bill of {$6200.00} for a 2 hour visit ( nothing was done except a check up and a XXXX ) I attempted to call and request detail billing. Nothing was sent. I sent my insurance detailed billing in hopes they would make the proper adjustments, however they refused. Now a company called Aargon Agency Inc is attempting to collect this invalid debt. I have sent proof of this to Aargon and let them know I will only deal with the original creditor and Aargon is still attempting to collect. This is not right.
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (CA)

I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Regarding complaint filed with XXXX on XXXX XXXX in XXXX, Colorado. Company issued citation in XX/XX/2020 stating that I left the XXXX XXXX in XXXX, Colorado and re-entered it three times in 20 minutes. I disputed the citation in XX/XX/2020 via XXXX  and could not find the original complaint in their systems after COVID-19 stay-at-home order was issued across the State of Colorado and in the State of Texas. However, the business did not respond and the complaint was closed. 

The company resent the tolltag violation again and I attempted response through XXXX  and again never received notice of the business responding until XX/XX/2020. I was not on a toll road and do not accept resolution. I am not required to pay fees on toll violations that the business has not proven as mine. 

The company does not have video of any such incident and has continued to harass me via mail regarding a toll road violation it has not proven to be mine. Additionally, it sends information to its XXXX, TX offices which are completely out of jurisdiction and across state lines. 

Complaint ID : XXXX Filed with : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX URL : XXXX : XXXX Date Filed : XX/XX/2020
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am requesting the removal of  XXXX  Bankruptcy ( below ) on my  XXXX ,   XXXX   and Experian credit repo rt ( s )  due to Civil Case No.  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , v.   XXXX    XXXX   XXXX   XXXX   XXXX ,  I  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptcy Ref. #  XXXX
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am requesting the removal of one Bankruptcy ( below ) on my Equifax, XXXX and XXXX  credit report ( s ) due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible. Bankruptcy Ref. # XXXX
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX , XXXX and fico.
Consumer complaint received 2017-08-25
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (MI)

I have contacted Key Bank several times about the status of my credit report. I defaulted on my private student loans due to divorce and financial struggles. My loans were sent to collections to XXXX XXXX and I have been paying faithfully for a little over a year. I contacted Key Bank several times asking if my loan status on my credit report could be changed from past due to current since I have been making payments. Each person I spoke to send me to another department and when I finally spoke to the 6th person I was told the status of my loan could not be changed to current unless I paid the balance off in full. I am a single mom I do not have that type of money to pay balance in full. Since they wo n't change my credit report I can not get a home loan. I am spent do n't know what else to do.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (OR)

Received call from man asking for a relative. Did not identify himself at all during the call, who he was with, or the purpose of his call. Caller ID showed XXXX XXXX XXXX XXXX with is Central Credit Services, a debt collector. I told him him that person does not live here and not to call again. I have no knowledge of any debt ( s ) owed by the relative and the debt collector should not have contacted me for any reason related to the relative 's debt.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

On XX/XX/2019 I requested a fax of the mortgage pay off amount with XXXX Nationstar Mortgage LLC a subserved for XXXX. See attached. I received a fax and the information for the pay off amount through XX/XX/2019 was {$57000.00}. 
XXXX with bill pay my mortgage payment comes out automatically each month. I've never had a check returned. XXXX makes sure I have the funds when they send the automatic check. I had extra money I wanted to apply so I requested a XXXX bill pay send a check to Nationstar Mortage as normally sent and the check was sent on XX/XX/2019. See attached. It was for {$49000.00}. 
Wednesday, XX/XX/XXXX, I received a voice mail from XXXX asking me to call them at XXXX. When I was off work I called and was told the check for {$49000.00} was returned because the pay off was less than the fax sent me which stated {$57000.00} pay off. I was told the pay off was just over {$50000.00} so they returned the check. 
I became angry because it appears to be that someone didn't do their job. I was called once with a voice mail and called back and told the check had already been returned. When speaking to the employees, the last being XXXX at executive resolution team this XXXX  XX/XX/XXXX, they used statements like " from our perspective '' and " we thought ''. I kept asking where it was written than I could not send a check for this amount. 
Please, see attachments to understand my confusion and anger.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MD)

A dispute inquiry letter was sent certified mail on XX/XX/XXXX and received by the company on XX/XX/XXXX. The dispute was that an unauthorized inquiry was made and reported to my credit report on XX/XX/XXXX. The company advised a digital credit application was received. I was not provided significant proof from this company proving that the inquiry was made by me. I did not authorize this inquiry.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I have requested several time that Navient correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from Navient dated 2/19/2021 in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (IL)

There was an advertisement on XXXX about student loan forgiveness. I called and they told me since I have over {$10000.00} in debt and work for a XXXX XXXX, they could forgive my loan and consolidate them. I gave them all my information SSN, bank account, and they sent me a contract that I signed. My first payment is scheduled to come out on XX/XX/XXXX 2017. I called onXX/XX/XXXX and signed the contract on XX/XX/XXXXalso. My first 4 payments were for {$220.00} and then {$20.00} a month for 10 years and the rest would be forgiven. I believe it was a scam and they have all my personal information. The company is called Premier Student Loan Center and in the contract if had information about the Department of Education.
Consumer complaint received 2017-06-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (FL)

On  XXXX / XXXX / XXXX , after telling the company not to contact me on this matter ON TWO PRIOR occasions, I received a collection call from a representative of Navient attempting to track down a step-child of a marital relationship that was terminat ed TWENTY-FIVE y ears ago.     I have advised this organization that I do not know where the person resides and I have n't seen or heard from the child or her mother since  XXXX .     Additionally, on this same date my wife received a phone call from Navient as well on this matter.     This is harassment and I demand it stop immediately.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting inaccurate information on my credit via XXXX and Equifax. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

Citibank closed my credit account without prior notification and this account closure makes me losing all of my points, which are XXXX points. Citibank said they can close my account whenever they want and they are not willing to tell me the reason they are closing my account. They also refuse to return the points to me.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX a transaction of {$7600.00} was made at Hawaii XXXX in XXXX XXXX in XXXX XXXX county. I received a call from Bank of America alerting me to the transaction. They asked me if I was the one that performed the transaction and I said I did not. Immediately a fraud dispute was initiated. This was a visa purchase made at the grocery store based on the information on my statement. Bank of America issued a temporary credit in that amount following the dispute. On XXXX the bank reversed the transaction and recharged me the entire amount to my account. On XXXX I received the attached notification that the bank would not follow through with the fraud dispute. They claim that this was a cash advance/ATM transaction. This is not consistent with the information listed on my statement and the information provided to me by the bank. I do not believe the bank performed it 's due diligence in researching the fraud. A large transaction such as this should have signature verification in place and I do not believe the bank even went as far as to obtain those records. On XXXX I filed a police report which is also attached below. Case number : XXXX Officer : XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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. (TX)

XXXX XXXX XXXX is reporting inaccurate information on my credit via TransUnion and XXXX. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I applied for 2 credit cards and was approved. The cards were received but the accounts were restricted. Upon contacting CSR, I was advised that my identity needed to be verified at which time I faxed then and uploaded a copy of my PA DL, new DL registration card, and verified new address.
I was then later told that there was a system glitch regarding a promo code and it affected thousands of people. I then inquire with the rep that regardless of the promo code, is the application not based on creditworthiness since my credit was pulled and reviewed, I was met with an agreeing response. Ultimately the accounts were closed and reported to the CBs.
I then called in requested that my application get reconsidered because of the " approved '' application, it was not allowing me to reapply online. The rep I spoke with advised me to wait about 3 weeks to get a decision. Then on or aboutXX/XX/XXXX and was advised that on XX/XX/XXXX, the decision was that I already had an approved account within 6 months -- the very same reason that was used if I were to apply on my own.
This frustrated me and left me discouraged but upon some online research it was mentioned that I should contact the CEO and I did. I emailed him and any other email I could find for some type of reconsideration.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I applied for a 3 month forbearance plan due to COVID-19. It was scheduled to end XX/XX/XXXX with my total deferred payment and monthly payment being due on XX/XX/XXXX. I called Penny Mac to discuss repayment options as paying the entire amount back at once is a hardship. I called on or around XX/XX/XXXX to try and be pro-active to work out the payment details. The individual I spoke with kept pushing me to wait until XX/XX/XXXX ( 7 days late ) and I would hear something from them by then. I'm not going to wait until I'm late to make an arrangement that sounds like a poor plan. After speaking with him and giving some financial information he said I wasn't eligible for anything and needed to wait and kept pushing me to wait until I'm late with my loan ( bad plan ). I asked to speak with his supervisor and spoke with her. We re-checked my financial information provided and she offered me a 4 month repayment plan starting XX/XX/XXXX and ending XX/XX/XXXX with the money owed split into 4 equal payments. Over the next week or so I got a number of mailings with very confusing and conflicting information from what I was given over the phone and basically said my repayment plan was denied. I waited until my monthly statement and next payment due showed up, which conveniently wasn't until XX/XX/XXXX and Penny Mac customer service is closed, to see indeed my entire amount is due this next payment on XX/XX/XXXX. Very deceiving and late/slow practices here.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Midwest Recovery Systems (IN)

I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This is my second attempt to remove a tax lien from the Ohio attorney general that appears on my credit report. EQUIFAX is refusing to remove the tax lien from my credit report. Expungement/cancellation documentation regarding the removal of the tax lien was sent to EQUIFAX by the Ohio attorney general on  XXXX ,  XXXX ,  2017 . I reached out to EQUIFAX on  XXXX   XXXX ,  2017  to inquire as to why the tax lien has not been removed. An agent over the phone indicated that they have no record of the withdrawal letter that was sent by the state of Ohio. ( Lies ) Furthermore, I have had many problems with EQUIFAX regarding the removal of inaccurate information on my credit report. This lien needs to be removed from my credit report immediately.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (GA)

INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. XXXX, Experian, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?
Consumer complaint received 2017-06-13
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: ENCORE CAPITAL GROUP INC. (NY)

This so called firm  XXXX  and  XXXX   XXXX , together with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 years in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying to collect a zombie debt.