davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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: Phoenix Financial Services LLC (FL)

On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (FL)

On XXXX XXXX, I sent a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct errors on my credit report. Several weeks ago, I received notice of the corrections from XXXX and XXXX XXXX. Unfortunately, I have not receive anything from Equifax, despite several attempts at follow-up.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (OK)

XXXXXXXX XXXX XXXXXXXX dba XXXX XXXX will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. XXXX has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. XXXX deleted accurate last payment amount of {$170000.00} at Innovis without cause XX/XX/XXXX that an XX/XX/XXXX Report by Innovis shows as furnished by XXXX  XX/XX/XXXX, and as of XX/XX/XXXX, XXXX refuses to respond to Innovis to correct the misleading partial last payment furnished by XXXX in response to proving XXXX 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX Innovis credit report and XXXX refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by XXXX XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow XXXX to continue inaccurate partial information furnishing and credit reporting.
Consumer complaint received 2017-10-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I this company a letter dated : XX/XX/XXXX disputing the lien reported in my credit report INCORRECTLY. Please see attached credit report I downloaded last XX/XX/XXXX. The lien was reported with ref # XXXX which is the reference number which I disputed on my letter lastXX/XX/XXXX. EQUIFAX responded last XX/XX/XXXXsaying that they confirmed with XXXX XXXX ( third party vendor ) the DISPUTED LIEN REFERENCE NUMBER IS NOT REPORTING and they reported a NEW AND DIFFERENT LIEN REFERENCE NUMBER : XXXX, same filing date, same county court, same amount. I have verified with the court that this information has already been withdrawn during the last week of XXXX and yet EQUIFAX CLAIMS that this item is correct and verified. Equifax has several violations. Reporting INACCURATE PIECES ON INFORMATION, CLAIMING THAT AN INVESTIGATION WAS DONE WHEN OBVIOUSLY NOTHING HAPPENED, NOTHING WAS DONE, REPORTING THE SAME INACCURATE LIEN WITH A DIFFERENT REFERENCE NUMBER THEN STATING THAT THE FIRST REPORTED REFERENCE NUMBER IS NOT REPORTING. ATTACHED WITH THIS COMPLAINT ARE THE FOLLOWING : 1. EQUIFAX CREDIT REPORT DATED : XX/XX/XXXX ; 2. COPY OF EQUIFAX RESPONSE DATE : XX/XX/XXXX ; COPY OF THE LETTER I SENT THEM LAST XX/XX/XXXX.
Consumer complaint received 2021-07-10
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. (IL)

THE DEPARTMENT OF EDUCATION KEEPS ASKING EXPERIAN, XXXX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (CA)

One morning I woke to find every bit of my private/personal financial situation was hacked from Equifax and now made vulnerable to identity thieves because of Equifax. I am now permanently, for the rest of my like, a potential victim of identity theft at MY expense, regardless of the fact that I have diligently guarded MY private information (SSN, debt, address, etc) on MY end, (safe web browsing practices) for as long as I have been on the internet and used banking/financial services. My information was never publicly available until the occurrence of this breach, and I am incredibly angry because I've never consented to any of this information being retained and freely floated around for hackers to simply steal.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc. (FL)

MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX  XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.
Consumer complaint received 2021-03-29
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)

XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

This complaint is against Southwest Credit, XXXX XXXX XXXX, XXXX, TX, XXXX They are repeatedly attempting to collect a debt which has been successfully disputed three times, and is not a valid debt. In addition, they are reporting this as a collection to the credit bureaus and have been doing so since before they even contacted me. Therefore they did not send me the required notices prior to the reporting, even though they obviously had my current address at the time. 

I have repeatedly asked them to provide me with the response letters to those three previous disputes, but they have refused and instead send me copies of old bills - which were successfully disputed!
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021, TD BANK fraudulently made a PHONE TRANSFER from one of my checking accounts that contained recently direct deposited Unemployment Benefits which are exempt from debt payment, and used these funds to pay down a negative balance deemed as a debt owed on my savings account. 
I have been attempting to resolve this issue with TD BANK since XXXX XXXX, and have had no issuance from the bank of my exempt unemployment benefits.
Consumer complaint received 2016-08-24
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (AL)

I sold an XXXX XXXX on eBay to a buyer in XXXX. I used eBay 's recommended shipping method of USPS first class mail. The funds were transferred to my PayPal account from the buyer. PayPal then released the funds to me after 3 weeks, but before the package had been listed as delivered. The phone was said to have arrived in XXXX, XXXX 5 days after I sent it from XXXX and there is no other tracking information available. The buyer then claimed to have never gotten the phone and filed a complaint with eBay and PayPal. I contacted eBay about the complaint and they granted an additional 15 days before hearing the case. 8 days after that, PayPal went ahead with the case and ruled in favor of the buyer. They refunded him the {$190.00} he paid and now I owe them that because the released funds had already been transferred to my bank. I contacted the very rude customer service reps at PayPal and they said it 's their standard policy to side with the buyer, but lots of scammers come from that area of the world. After talking a supervisor with customer service he said " sorry, that sucks '' when I asked for my money to be refunded since they allowed it to be effectively stolen from me. I also called eBay who told me there was nothing they could do besides investigate the account but it was " probably created for this purpose. '' I now owe PayPal {$190.00} and do not have the phone because they allowed funds to be transferred to the bank before delivery had been completed.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma (IL)

I filed my taxes through XXXX and I selected the credit Karma account for direct deposit. Following the information through the website caused an address issue when I tried to set up the account. So I called credit karma customer service and was sent a direct link to setup the mailing of the card. The link also did not work saying my address was not valid and marked as vacant from the usps. When I called back to credit karma they ran me in circles and still did not resolve the issue. Now the problem I am having is due to credit karma website issues now I have federal and state tax return that is now linked to a credit karma account that they can not confirm my address the same address that is on file and up to date and my home valid address. Now I am stuck having to at the last minute see how I can go into my federal tax return with the IRS and change my direct deposit information which is now going to cause an even further delay in the processing of my tax return due to credit karma screwed up website platform.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (LA)

Since there is no outside entity participating in the process, I, XXXX XXXX XXXX XXXX, am the one who is filing this CFPB complaint. I recently checked my most current credit report and found that this account was falsely reporting information on it. My information was taken and used to establish this account without my knowledge or consent ; I am a victim of identity theft. The account PROSPER  XXXX with an alleged Balance : {$7500.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX XXXX am not liable. With this company, I DO NOT HAVE A LEGALLY BINDING CONTRACT. This account is making an attempt to recoup a debt that was previously shown on my credit report. I have repeatedly asked for confirmation. This firm only provides a statement, which demonstrates nothing, rather than a signed authorization or documentation of the operations. I requested confirmation of the various entries on my credit report, but once more, all I got was statements.
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

After review of my student loan payments, I feel that the payments were not applied appropriately. I have inquired about payments yet feel that everytime I call I get somebody in the XXXX who does n't understand English and what I 'm trying to explain. I filed a previous complaint and was told that they provided everything to me. If you look at the documents that they provided, one of the documents is supposed to be 9 pages, yet they only provided 4 pages. 

I want a full accounting of ANY and ALL payments ever applied and how they calculated what goes to the principle and what goes to interest. I feel that I have bamboozled for far too long.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (CA)

Found on my credit report medical bills I did not know about. On top of that they are on two separate names which is more confusing. Several months back I called and said I 'm willing to pay my debt but they need to remove it from my credit report at which time they refused. I do n't think it 's fair that they do n't tell me that I have this debt and just send to credit report without notifying me first. 

On XXXX : COLLECTIONS XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX On XXXX : XXXX XXXX {$180.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX I have not seen my XXXX credit report so I 'm not sure what is on there. 

And why are they using two different names I do n't understand this. I feel as though they are trying to purposely damage my credit. If I had known about these that I would have paid them plain and simple. The fact that they absolutely refused to take them off my credit report even after I pay is ridiculous. I really need help dealing with them as they have made it plain and clear that they have no regard for what they have done to damage my credit.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (IL)

3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. 
Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (MD)

I attempted to consolidate my loans with a single provider to better manage my payments. Without my permission or consent, Discover withheld the loan they service from the consolidation. I am now facing hardship making my payments, and Discover has offered no recourse. I am frustrated that when I tried to consolidate my loan away from them, they took advantage of a loophole to avoid accepting payment from my consolidation loan provider and continue to hold my loan despite my wish to consolidate. Discover did this without my consent, and now I have learned that in order to include this loan in the consolidation, I must reapply for a consolidation and begin the whole process again from the beginning! It 's doubly frustrating because I never chose to do business with Discover in the first place ; they bought my loan from XXXX, and have now bullied me into keeping my loan with them. I do not understand how they were able to withhold my loan from the consolidation and think it is unfair that I have to pay the consequences of their predatory actions. I wish for Discover to cooperate with me in my attempt to consolidate my loan with XXXX.
Consumer complaint received 2021-09-10
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)

This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!
Consumer complaint received 2021-07-05
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: SYNCHRONY FINANCIAL (NY)

Sir, I purchased phone on XX/XX/21 from XXXX XXXX XXXX XXXX order # XXXX {$210.00} .Item old model & Return approved by seller & provide me XXXX prepaid return level. I return XX/XX/21 Received by seller Trunking # XXXX XXXX XXXX XXXX XXXX XXXX Proof attached. 
But I called many times XXXX XXXX  XXXX phone XXXX XXXX for refund money to PayPal credit. I disputed to PayPal credit card also but Cust. Support many times They are also not solved my problems. Whats wrong I dont know Thats why I need your help & investigation to take action to XXXX XXXX XXXX to refund {$210.00} to PayPal credit card. PayPal credit card is not helping I provide trunking Nos for proof of return item.
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX is attempting collect a debt not owed after the account was cancelled. Credit bureaus failed to verify and provide proof debt was valid. Sent letters to credit bureaus in XXXX.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TX)

The phone number contacted, the person contacted, was not asked to identify themselves, the person who answered said " I don't believe this. '' and hung up. 
Within 40 seconds, the phone rang again from the same number, so I answered the phone, I began asking questions and when I mentioned the direct violations of both State and Federal violations : Calling more than once per day after having made contact Failure to identify with whom you are speaking with, ie ; " You are XXXX XXXX XXXX? '' " What is your SSN '', when I refused to give that information, I asked " What information can you give to me? " ... as a debt collector, I can refer to an address, the last 4 of a social, date of birth, etc. and then say that I either have the correct person on the phone or vacate the call with an apology. 

Disclosure to an un-known party on the telephone ... who the client is. 

These are all direct violations of all the State and local laws that each and every Americans holds dear and have the right to enforce. 

This company appears to have no training, doesn't follow Federal law and allows their employee 's to break Federal/State law at will, as I was told repeatedly that no laws had been broken without the definite confirmation that " XXXX XXXX '' was speaking to the correct person. There was no Mini-miranda given and he refused to acknowledge any information other than my name, no confirming address, last 4 of the social, date of birth ... .nothing. 

We ended the call with I said it was XXXX in the long form and I was told that I need to rectify my response to him over a bad word. 
I still maintain XXXX because my legal rights, as an American consumer have been violated in the facts that you see above.