davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

This is in response to complaint XXXX. Once again, I did not question whether or not I have an account with Navient, I stated that you are reporting inaccurate information to the credit reporting agencies because the information is not consistent and they are reporting different payment history, payment, status, and so forth. This is not in compliance with FCRA. You are not furnishing accurate information for the credit bureaus to report. You have yet to contact them to correct the information I have been telling you is incorrect. You sent notices of correspondence saying that a payment was past due, but where is the historical data of the payments? I do no recall being late on the dates suggested. This is my last request before I am willing to take this to court because this is not legal reporting.
Consumer complaint received 2018-11-01
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. (GA)

I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Consumer complaint received 2018-11-01
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. (GA)

I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

This company calls from a different number each time. 7 days a week XXXX times a day. I have nothing on my credit report for this company so there is no known debt nor have I received anything in writing from them. When I called to tell Them a complaint was going to be filed for their ridiculous amount of phone calls the lady refused to remove my number ( which clearly I never consented to them calling ) without obtaining personal information which I refused. This is XXXX single day for at least XXXX months. Blocking the number doesnt work as they just use another to call several hours later.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (NE)

I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle.
Consumer complaint received 2022-11-20
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. (SC)

I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

When I went in for appointment to attend XXXX XXXX XXXX. The son of the owner was the intake person. I had made him aware that I am a single parent that had a XXXX my entire life and wanted to peruse XXXX  XXXX. He said that everything is covered through the state dads I will not be responsible to pay anything being I have low income. Also he never told me after I completed the 2 year program I will have to take a state board test. I have a XXXX  XXXX growing up. To take pay to take the test would have to pay several hundreds of dollars being I know I will not be able to pass it and still would be putting out money for the test. I was unaware of the big test after school was done. I was unable to make a career out of it due to I was unaware I would have to take a state test with no help if needed. I am a single parent with low income. I requested the loan forgivness being I was unable to make career and that I take guy was not clear what happens after you done school. I will need US DEPARTMENT OF ED/GLELSI to be removed from credit being they transferred to DEPART OF EDUCATION/NELN ( 5 ). 

I have 5 student loans through DEPART OF EDUCATION/NELN XX/XX/XXXX for {$980.00} XX/XX/XXXX for {$2200.00} & {$3700.00} XX/XX/XXXX for {$1800.00}
Consumer complaint received 2022-11-20
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. (SC)

I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (OH)

I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OH)

XXXX Sold My Mortgage to XXXX XXXX Serviced by Caliber Homes. I Had Credit Life and Disability with XXXX, they Foreclosed was about to Lose so they Withdrew, and 5 Years Later with No Payments, and No New Contract Signed, and No Money Paid to bring Claimed Arrears Current, they Sold My Mortgage to XXXX XXXX! There Has been Several Class Action Law Suits Against XXXX. if XXXX had Not Sold My Mortgage My Wife and I Could have Been a Part of the Class Action Suits! so We were Cheated Again we went to Court XXXX XXXX Ohio XXXX on XXXX Judge XXXX XXXX Could See by His Own Review The Numbers Were WRONG Also if My Attorney XXXX XXXX had Not went XXXX XXXX and Presented My Payment History The Judge Could have seen I was Being Cheated Every Way Possible. XXXX XXXX XXXX XXXX  XXXX is a Subsidiary of XXXX   and if You Review them You Will See they are Being Sued and are No Longer Offering Credit Life and Disability. XXXX XXXX Purchased My Mortgage in a Portfolio of Mortgages to Make a Profit Bragged They Paid Pennies on the Dollar and Offered Me a Settlement of XXXX When i Only Owed XXXX if XXXX Would Have Processed My Claim Correctly i would Not have Paid on my Account from XXXX Instead i Payed until XXXX So They Owe Me XXXX Back.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I tried many times with Experian fix an incorrect address appear on my credit report, i NEVER live on XXXX XXXX XXXX XXXXXXXX Fl XXXX and never works for XXXX XXXX XXXX that info is not correct, My address for more that 15 years is XXXX XXXX XXXX XXXXXXXX Fl XXXX and my 17 years employer is XXXX XXXX XXXX.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (MS)

I had two ( 2 ) emergency room visits to XXXX XXXX XXXX Emergency room. The first date was XXXX XX/XX/2021 and the second was XXXX XX/XX/2021. Total amount that is said that I owed was {$2600.00}. I called my insurance company whom is XXXX about the outstanding amount and they stated that I don't owe anything additional and my explanation of benefits for those two visits shows the same thing. I provided the documentation to the collection agency which is Balanced Healthcare Receivables and the person I spoke with was XXXX XXXX at XXXX Extension XXXX. I received an email from him saying that the explanation of benefits I provided didn't show the physician charge. I called him back and told him that after speaking to XXXX they gave me a call reference number XXXX and to call them and they will speak to him and show that I don't owe them anything. He refused to call and said he couldn't do any adjustments.
Consumer complaint received 2018-11-01
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: Rocket Mortgage, LLC (CA)

Multiple Hard Inquiries dragging down my credit score from this company XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX a charge in the Amount of XXXX appeared on my statement. This was charged to my capitol one credited card The vendor name was XXXX * messy. I contacted capitol one emediatly to dispute transaction. I was informed that a dispute resolution form was being mailed. The amount was taken off my account. I never received any form. I followed up with capitol one on about XX/XX/XXXX XXXX. On XX/XX/XXXX the amount of XXXX was back on my statement. I spoke with 6 different individuals from Capitol one in reference to this issue. No one seemed to care or was willing to help. At the end of the day I was left with no results and furthermore XXXX capitol one canceled my card that was current and in good standing. Goal is to have capitol one to issue me another card with the same terms as this problem is no fault of my own. The capitol one fraud claim # is XXXX
Consumer complaint received 2022-11-20
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. (WA)

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

What is this complaint about? 
In compliance with the Fair Credit Information Act ( FCRA ), I submit a complaint to the collection entity ARS ACCOUNT RESOLUTION, who has a medical account in the collection value of {$1700.00}. 
What kind of problem do you have? 
They sent me a debt collector for medical concept knowing I have XXXX XXXX process demands the whole issue of health and medical expenses due to an accident involving labor suffered in the month of XX/XX/2017 ( received an electric shock ) and even me they keep seeing medical specialists. The entire issue is defendant in XXXX XXXX XXXX XXXX under case XXXX. Therefore, this entity continues to send me bills and affect my credit score, which did not allow me for XX/XX/XXXX to obtain a credit that the state granted for help for this pandemic, What happened? 
I communicate again with ARS to the number of phone XXXX, because it was reported and because I received a letter ( copy attached ), talk to a person named XXXX who answered my call espa ol and who will reiterate what and he told them in other lla m ADAS about my case in court and told me to c omo had a court case could not speak more with me, I asked then explain to me because then continued with the collection, calls and why to send me to collection and he told me that he could not answer anything else. 
What company is this complaint about? 
ARS Account Resolution Service a division of HRRG, LLC XXXX XXXX  XXXXXXXX XXXX XXXX  FL XXXX Or to XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX More information about it : Send a letter ( copy attached ) to appeal the situation because they have not paid attention, they do not give me an answer and now they evade me saying that they can not talk to me. 
In addition, requesting the c that and desist as a collections agency and demand that they remove me from the collection. 
Creditor : XXXX XXXX  XXXX Reference # XXXX Account XXXX SERV Date XX/XX/17
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

Hello I hope you are doing well. I opened a Synchrony Bank XXXX Credit Card on XX/XX/XXXX. I did that to take advantage of their promotion at that time ( I had to spend {$500.00} in 30 days after the account was opened to earn a {$150.00} statement credit ). Even though the account was opened on XX/XX/XXXX I just received the card to make purchases on XX/XX/XXXX. The first credit card was lost by USPS and I had to call them to get a new card. On the day after my card arrived, I went to the store to use the card. I spent around {$290.00} and waited until the purchase posted to pay it. The purchase posted within 2 days and I paid it right away to free up my credit limit so I could spend the remaining {$190.00} to get the {$150.00} bonus. The payment posted within 2 days but to my surprise my credit limit didnt go back to normal. The bank acknowledged the payment posted but said because it is a new account I will have to wait 7 days until the credit limit goes back to normal. When I called the bank the first time complaining that they gave me a credit limit lower than necessary to get the sign up bonus and that I didnt have the full 30 days to spend the required amount, I was told they couldnt do anything about that but they guaranteed as soon as the payment was posted I would have enough credit limit to make another purchase and get the bonus. Well, that wasnt true either because now I have paid my balance in full and I still dont have a limit to make a new purchase. The bank clearly set me up for failure. First, they sent me a card after 15 days the account was opened knowing that I would have only 15 more days to hit their minimum spent requirement. Second, they gave me a {$300.00} limit, making it impossible to spend the {$500.00} requirement without paying off the balance right away. Third, after paying the full balance off right after the purchase was posted the credit card bank accepted the payment but decided to wait 7 days to give me the {$300.00} limit back. Im very disappointed with Synchrony Bank and I am sure they are trying to scam me. What can we do about that? Thank you for your time.
Consumer complaint received 2022-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I recently complained about Specialized Loan Servicing LLC as they were not and still are not applying my payment to my Mortgage. 
1 ) Each Payment comes with a payment coupon that tells the Company what to do with my payment. 
2 ) My last complaint stated that the company was not following Federal Rules, which state that the check is to be cashed upon receipt and applied to my loan upon receipt. 
3 ) This company is NOT FOLLOWING FEDERAL RULES as once again instead of applying my payment to my Loan, they have put my payment in the XXXX area. 
4 ) The website said my next Payment due was XX/XX/2022 and I sent Check # XXXX to them to pay XX/XX/2022 mortgage payment. This check cleared my XXXX XXXX today, XXXX but it was not applied to my mortgage payment, it was instead put in the XXXX funds area. 
5 ) That Money needs to be applied to my XX/XX/2022 payment and when I logon to my account it should say my next payment due is XX/XX/2022. THIS SHOULD HAPPEN EACH MONTH. 

I WILL NOT ACCEPT THIS BEHAVOIR FROM SPECIALIZED LOAN SERVICING LLC, THEY WILL FOLLOW FEDERAL RULES AND APPLY MY PAYMENT TO MY ACCOUNT OR I WILL GET A JUDGE TO TELL THEM WHAT I AM TELLING THEM. 

I do not wish to hire an attorney and take them to court because it will cost them to defend their position of not applying my payment to my account. This is the company 's last chance to follow the Federal Rules concerning Mortgage Payments. All they have to do is apply my payment to my account WHEN RECEIVED and change the due date to the next month. 

XX/XX/2022 payment has been made, my account should now say XX/XX/2022 is next payment due. Since they tell me all they are doing is Servicing the loan, they are not the holder of the loan, then that would mean that XXXX XXXX still holds the loan. XXXX XXXX had no problem keeping up with my payments. They always sent me a payment coupon with the correct payment due date on it. 

Being the Consumer Financial Protection Bureau you should be able to force them to follow the Rules in handling Mortgage payments. I am not asking you to be my lawyer, I am asking you to enforce the rules already in effect. If I choose to make a Principal Payment, I will note it on the Payment Coupon provided by the company.
Consumer complaint received 2018-11-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA) (GA)

This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.
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: ERC (GA)

I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.