davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARSON BISHOP SERVICES, INC (IN)

The company I obtained my XXXX XXXX for did not do a thorough job writing out the diagnosis and recommendation. It has caused years of hardship trying to get insurance to pay for items needed for my XXXX, a required medical need. 
They are hindering this process yet again as insurance is now saying they will not approve any further medical equipment until they have a proper recommendation stating the type of machine needed and detailed information so that the correct machine can be ordered. 
Our current machine is obsolete. Therefore we have to now get a new machine. 
We have asked the sleep study facility for this information as it was not on the original recommendation and that is standard operating procedure. 
They are refusing to see me or provide this information saying we owe them money. 
We do not owe them money, we had a {$50.00} co pay and it was paid. Further, their company did not bill insurance and because that statue of limitations has passed they are trying to collect from us. 
We did not have a {$230.00} co pay we had a {$50.00} co pay at the time.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted XXXX, XXXX, AND TRANSUNION about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
1 : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

My husband and I had a loan through Nissan Finance that does not show up on my XXXX or XXXX credit reports. It only shows up on my XXXX XXXX report. It was paid off completely XX/XX/2018 account number is XXXX
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (CA)

Amount XXXX Month for XX/XX/XXXX After extending the lease, no bank info or automatic payment info had been changed. 

For some reason given that everything remained unchanged other than lease term being extended, the payment didn't go through and was assumed as a late payment.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XX/XX/2001 a court ordered Select Portfolio Services that I be removed from the mortgage XXXX XXXX XXXX XXXX, NJ due to divorce and the other party XXXX XXXX was to be the only one soley responsible for the mortgage. Select Portfolio Services replied that they don't take orders from a judge and that I would remain on the  mortgage. 

I have since filed several appeals with Select Portfolio Services requesting that I be removed from the mortgage at XXXX XXXX XXXX XXXX, NJ XXXX each one resulting in Select Portfolio Stating that I will remain on the mortgage until the home is sold or refinanced with another company. During this time XXXX XXXX missed 20 mortgage payments, went into preforeclosure twice ruining my credit rating and increasing the amount owed on the home to {$170000.00} which was allowed by Select Portfolio Services. XXXX XXXX was also allowed to sign into a foreberance agreement where they allowed XXXX XXXX to refinance within Select Portfolio Services without my signature or without my consent. 

I explained that if I'm the primary on the mortgage this should not have been allowed. They explained to me that all they need is one signature and they can continue to offer any of these agreements they want despite the court order. This has been a 19 year ongoing situation. I have done all that I can legal do to correct this issue and I'm asking for assistance from CFPB with this issue. I will do whatever I can to help with the resolution of this issue by CFPB. Thank you for your assistance in this matter.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

In regards to Experian dispute for XXXX  acct XXXX XXXX XXXX filed it came back as updated. This is not right, this shows a charge off of XXXX which is a complete fraud on their part. I had bought XXXX worth of gift cards, there was a security issue and they cancelled the cards. I never got to use the cards. I got nothing. They charged me tho, I called and they said they reversed the charges. But now its still showing as I owe them XXXX which I DO NOT! PLEASE DELETE THIS it is totally incorrect. Absolutely ridiculous that they havent changed this. its XXXX XXXX false. thank you.
Consumer complaint received 2021-12-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CO)

This number keeps calling me about my prequalified status to change the qualifications for forgiveness or loan discharge. I have not made consistent payments for the last XXXX years so I do believe this is a scam. 

XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX XXXX, left message for me to return call at XXXX XX/XX/XXXX XXXX AM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation (IL)

I received in the mail a " Premium Visa Debit Card '' by XXXX, which I didn't apply for and have no idea what it is. 
The only number provided with the received card ( XXXX ) XXXX XXXX, I have called multiple times and it asks for my Zip Code and Social Security number. I have not input my social security number and do not intend to provide it to a company that I have no idea who they are. Therefore I can not get past the automated phone service and get some answers on how I got to receive this card, did anyone apply on my behalf, am I a victim of identity theft?
Consumer complaint received 2018-02-17
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. (FL)

Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

A former friend ( XXXX XXXX ) was added to this account as an authorized user. She has broken my trust, and I am removing her as an authorized user on accounts. When I sent a message in the secure credit line asking her to be removed as an authorized user, Comenity Bank instead closed y account entirely. Comenity Bank has caused untold amounts of distress from its negligence. I've had this account for over a decade in good standing, and this may also be retribution for my reporting that they falsely reported a late payment in violation of the Fair Credit Reporting Act. Please see attached documentation.
Consumer complaint received 2022-01-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2022-01-15
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc. (WA)

Long story short, I'm a XXXX year old New to debt and I talked to two representatives in one day who told me I owe two different things! I was trying to understand why my amounts changed after making my third payment today & why one representative is telling me I owe one thing while the other is telling my I owe another. I get on the phone with the manager for her to be rude as XXXX from the moment she picked up. I understand " this isn't a customer service '' gig but at the same time, 1. I'm not going to keep paying money to people who obviously don't know anything. 2. If I'm trying to understand what's going on, and you're going to act like it's killing you to explain to me, the debt will never be paid. Why would I pay something and at this point I don't even know if it's legit. I'm asking the lady okay what will happen if I don't pay so I can understand their process and she goes " well you either pay or see what happens '' like XXXX kind of XXXX is that ... what's supposed to happen? Not only that, the manager didn't even give me her name, when I asked to speak to someone above her she goes " you won't be speaking to anyone else. I'm the only you're going to be talking to '' and you aren't getting paid either. I'm trying to be grown enough to get this XXXX figured out but she will not talk to me like I'm below her.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Step 1 : What is this complaint about? - Payment allocation Step 2 : What type of problem are you having? - payments are not being applied towards  the older balance ( purchase balance ) on my credit card. 

Step 3 : What happened? As of XX/XX/XXXX my credit card purchase balance was {$1100.00}. On XX/XX/XXXX, I did a balance transfer of {$3000.00} to my Wells Fargo credit card, per their promotion of 0 % until XX/XX/XXXX on balance transfers. Since then I made the payments as follows, to pay off the balance accumulating interest. However, my payments are not being applied entirely to the oldest balance, which is accumulating interest. Rather, they are applying part of my payment towards the promotional balance and part towards the purchase balance accumulating interest. With the payment shown below ; i should have paid the balance accumulating interest off, but that is not what is happening, and i believe these are bad business practices, as they are not allowing me to pay off the older balance which is being charged interest. 
XX/XX/XXXX - paid {$200.00} XX/XX/XXXX - paid {$100.00} XX/XX/XXXX - paid {$90.00} XX/XX/XXXX - paid {$85.00} XX/XX/XXXX - paid {$80.00} XX/XX/XXXX - paid {$600.00} XX/XX/XXXX - paid {$200.00} Total {$1300.00} - which should have paid my purchase balance in full, and any overage towards the newer 0 % promo balance. 

Step 4 : What company is this complaint about? - Wells Fargo Credit card Step 5 : Who are the people involved? XXXX in customer service and a rep from their credit card escalations dept. ( don't remember his name ) I spoke to them both on XX/XX/XXXX, and both told me my payments can not be reallocated to pay off the older balance, and that i could pay {$440.00} today and that would satisfy my purchase balance accumulating interest and then my future payments would be applied all towards my promotional balance. I believe they are doing this, so they can continue to charge me interest on a balance that would have already been paid in full. 
Additionally, they charged me a late fee for my XX/XX/XXXX due date, when the payment was made a month early on XX/XX/XXXX. They waived the late fee, however i feel like they will charge me a late fee on any future payments made before my due date, which i am sure i would have to call in and have them remove ; like i had to do today.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (PA)

XX/XX/2020 received a " balance verification '' notice from TekCollect regarding an old internet provider, XXXX XXXX, suggesting I owe a balance of {$110.00}. My account with the internet provider actually has a credit due of $ XXXX. Attempts to contact TekCollect were unsucessful, no answer, XXXX. Long wait/hold time to speak with XXXX XXXX.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-08-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE CLEARING CORPORATION (OK)

Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX, XXXX and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (GA)

I was not aware of this student loan company I only had loans with the XXXX XXXX XXXX   and XXXX and Chase and have never heard from this company in XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX company that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX XXXX  XXXX. They garnished my wages in XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XX/XX/XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.