davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
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. (MN)

XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-05
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. (TX)

I have sent 2 dispute letters to XXXX, TransunionXXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Business & Professional Collection Service Inc (NV)

Do you not know any of these medical bills I 'm a XXXX I 'm also on XXXX XXXX % XXXX I want to dispute all medical have been on medical and XXXX since XXXX XXXX I want this off my credit report
Consumer complaint received 2021-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I am at the chase in XXXX, CA off of XXXX XXXX and I tried to deposit a check into one of their atm machines. It told me it couldnt accept my check and requested I take my check back. Only I could see my check was stuck and was not coming out. I attempted to cancel the transaction and it was still lodged in the machine. This happened at XXXX so no one was around to help me retrieve my check back. After canceling the transaction the machine stated it would not be accepting checks however after rolling back around I noticed it was working in perfect order again.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing a debt collection agency has an unknown debt on my credit report. I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (LA)

I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! 


I want this resolved and something done!
Consumer complaint received 2016-06-15
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (IL)

I received a call at XXXX on XXXX/XXXX/16 from XXXX XXXX XXXX . The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from Discover Student Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from XXXX XXXX XXXX. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

On or about XX/XX/22, I received an alert from XXXX XXXX stating that a collection in the amount of {$3600.00} had been placed on my account. I pulled my credit report and found that the company reporting the collection was National Credit Systems Inc. out of XXXX, GA. I contacted them the next day and was able to obtain a copy of the bill for past due rent at the XXXX XXXX at XXXX Apartments in XXXX, XXXX. Needless to say, I had never rented and apartment at that complex. I immediately contacted the XXXX, Illinois Police Department and filed an Identity Theft report. I then carefully reviewed by credit report and discovered that another apartment in the City of XXXX was currently being rented in my name. I spoke with the manager at this complex and she suspected that the renter was there fraudulently. She even provided me with the DL # and I shared it with the detective on my case, and it was a fake ID. The XXXX contacted The XXXX at XXXX and obtained the fraudulent information used to rent the apartment. The applications from both apartments were sent to National Credit Systems , Inc. NCS has informed me that they do not make the determination on whether it is a valid debt, and that the apartment complex makes that determination. The apartment complex has told me that the collection company determines the validity of the debt and that it is out of their hands. This has been going on for almost 3 months and the collection is still on my credit report.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I 've had identify theft for 2 years ( approx ) ... I believe related to the XXXX XXXX breach. I 've had multiple attempts through Bank of America to take out new credit cards, etc. I 've called Bank of America multiple times ... they tell me its all fixed and the card is cancelled ... and then it happens again and the card was never closed the first time. This is the third time now that I 've called them saying that I have a credit card and I 'm quite certain its the same card that never gets closed. I have no idea what to do to make sure that I have no accounts with Bank of America.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (NC)

I did receive a written notice, and it did inform me that if I did not dispute that I would owe the collected amount. I was provided services that I repeatedly tried to refuse, and therefore I was forced to undergo these services which told them over and over I could not afford to pay for and I did not want these services. 

If I did not comply and sign what they asked me to, I was not allowed to leave. I was also informed by the company who sent this bill to the debt collector, that I was not mentally well enough to be without care and supervision, which to my understanding means anything I signed during that time was due to the emotional impairment the hospital said I was under. They considered me legally not sane at the time, meaning anything I signed was due to emotional distress. Again, I was not allowed to leave until I signed papers which I was given no choice but to sign. I should not be expected to be held accountable for signing papers while under these conditions and under the understanding that I would be kept XXXX there until I complied.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

I noticed an alert on my XXXX credit report. Upon checking I noticed a collections from a company called Jefferson capital. They are saying I owe a debt to sprint. I have never in my life had XXXX, XXXX doesnt even exist anymore, they were bought out by XXXX. Ive been with XXXX XXXX since 2006 and now with 100 % certainty that this is not my account and Im being fraudulently attacked by Jefferson Capital. I want them to send me a verification letter, and I will in teen send them a copy of the police report I filed for identity theft
Consumer complaint received 2022-10-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2017-10-04
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. (IL)

As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.
Consumer complaint received 2022-10-06
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. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.
Consumer complaint received 2021-07-11
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Until today, over 60 days later, I have not received a response yet. I feel like I'm 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 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (MO)

On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate this matter.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (WA)

I noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

My student loans have been mishandled from starting with NavientXXXX XXXX to account information being sold to multiple lenders, XXXX  data information incorrect on my credit then transfer to XXXX XXXX XXXX which have stated that i don't qualtify as a public service. Over the years I have been getting mislead wasn't given the opportunity to help lower my monthly payments when my students loans was first with Navient and XXXX XXXX. The law suit about them was true which cost me alot of interest builded up. For the last 15 years I have been in income driven payments and have been a public server for over 8 years and never was approved for the program and its not right to get mishandled with U. S department of education lenders.
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (VA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VANGUARD FUNDING LLC (MO)

I applied for a hardship withdrawal from my XXXX through vanguard.I have been waiting two weeks for this process to be completed.I spoke with anXX/XX/XXXX to activate this transaction.I checked my account balance on vanguard website and thought the fund have been deposited.They were not because the initial agent who processed the request, did n't not put my account number in correctly.I spoke vanguard about this issue on XX/XX/XXXX.The agents stated that they can not add the last digit that was missing on my account.They stated that it would be 3-5 business days to reject the request.They stated that it would be an additional 7-10 business day to get my check.my closing date was scheduled for XX/XX/XXXX and will be delayed because of this issue.Total I have 3 weeks total to complete this process.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I attempted a purchase from XXXX XXXX XXXX which was declined. XXXX XXXX XXXX notified me XX/XX/XXXX, the payment was declined and requested another source of payment. I provided my XXXX XXXX account information and received confirmation from XXXX XXXX of my purchase. Order # XXXX. On XX/XX/XXXX within the 60 days of the date the charge was posted to my account I notified Bank of America of the duplicate charge and they opened a claim # XXXX. On XX/XX/XXXX Bank of America issued a temporary credit to my account for XXXX. Then to my surprise on XX/XX/XXXX, 69days after the claim has been filed Bank of America notified me the credit was being reversed because there was knowledge of the purchase by me and this was not fraud, this was a billing dispute.This resolution exceeded the 2 billing period grace period Bank of America had to resolve. This was a bank error, I had reported the billing dispute not fraud charge on XX/XX/XXXX. I called on XX/XX/XXXX 4 days after the notice and notified the bank of their error. The claim was reopened but now the Claim Number was changed to XXXX and the claim date was changed to XX/XX/XXXX which was still claim XXXX CLAIM # : On XX/XX/XXXX Bank of America made another error and opened up an additional claim XXXX. From XX/XX/XXXX thru XX/XX/XXXX, I continued to call and was told a new story it seemed with each call. I was asked to provide statements from other banking institutions as proof of purchase elsewhere, etc and did so. In XXXX of XXXX I was on another call with Bank of America trying to resolve this and finally the supervisor realized the errors and agreed to credit my account within a few days and as I was told, another credit was issued on my account for XXXX for this charge. In XXXX of XXXX I noticed the charge was on my account once again and I disputed again and was told it would be expedited. XX/XX/XXXX I received notice from B of A the time allowed for claims had been missed. If I was outside of the window to dispute it was only because Bank of America could not process this correctly, and numerous times assigned claim # ' ; s were mixed up by the bank. When this claim was first filed # XXXX on XX/XX/XXXX I was within the time frame to report a billing dispute. Bank of America 's error has now cost me the refinance of my home, 40+ hours on the phone and providing documents, a 70 point credit score drop and I plan to pursue this legally if the bank or merchant refuse to refund me.
Consumer complaint received 2017-11-29
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 have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!