davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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. (NJ)

HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

We defaulted on our mortgage XX/XX/XXXX because we were going to lose our car and had to pay a large amount to get our car loan balance up to date. We applied for a mortgage loan modification with our lender Ocwen. We have been submitting modification paperwork for a year and a half. Every few weeks during that 11/2 years, they would come to us asking for more paperwork. We sent them all the paperwork they needed so many times that we lost count. And we spoke to them so many times and were assured that they had all the paperwork they needed only to have them call again and again saying they were missing documents. XX/XX/XXXX, they had their lawyer begin mediation. We gave her all of the same papers we had given Ocwen for the past 11/2 years. She finally got through to them and they recently presented us with their offer. They decided to rais our payment over {$300.00} more than what we were paying when we had our hardship XX/XX/XXXX. They told us that we do n't qualify for any of the Home Affordable programs. The loan amount is over {$160000.00} because of all their fees. Our home, built in the XXXX 's, is barely worth {$110000.00} and is in dire need of repairs ( furnace, roof, flooring, electrical, plumbing, etc ). We can not afford such a high payment. We would never be able to make the repairs neede to make it liveable. Not to mention their offer includes a balloon payment of over {$90000.00} XX/XX/XXXX. We do n't want to lose our home. Paying over {$800.00} a month on a home that is falling apart is very disheartening. We do n't understand how Ocwen could raise our payment from {$520.00} to {$820.00} and expect us to be fine with it. We believe they can lower the payment. We also believe they are being dishonest. We have until XX/XX/XXXX to accept their offer or move out. We do n't want to do either one. We ask for your help.
Consumer complaint received 2021-04-01
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. (AL)

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I have been with Navient for 3 years and I have never had customer service actually fix my problem. Such as, getting enrolled in auto pay, giving me no answer to why my interest rate is the was it is. I paid XXXX on XX/XX/2019, on the phone I believe XXXX told me that my advanced payment would be taken and I wouldnt have to worry about my next payment until XX/XX/2019. She did not tell me I would have an increased rate of XXXX . I feel as though I dont have any correct information on my loans that I try my hardest to pay every month on time. I have been given 2 different account numbers because no one can find my correct account number. Every time I call them to try and find answers they say my account is in good standing and Im doing great. Then to find out I started out with around {$6700.00} in student loans from Navient and now on XXXX I have {$7000.00}. How am I in good standing if they have taken my payments and now I owe them more than I started with. I got pushed into forbearance and that unknowingly increased my rate. I did not get told about and rates being increased. I have spoken with 4 Navient customer service members and they all have said they would help get me my answers. They tell me the same thing that Im in good standing and I have nothing to worry about. They give false hope and wrong information. These are peoples lives not accounts.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MT)

For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XX/XX/XXXXXX/XX/XXXXExperian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax,XX/XX/XXXXXX/XX/XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out transunion, experian, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.
Consumer complaint received 2016-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

Ive reached out to Sa-vit collection agency multiple times beginning XX/XX/2021 in regards to this unverified or invalidated debt that they have been reporting on my consumer report and it has been well over 45 days and still I havent seen any response since Ive sent out the second follow up letter given them 15 more days to delete the item since theyre ignorance of my letters proves theyre admission of guilt And still nothing at all so I called the number enclosed in my original complaint and I was informed by the agent that this company has said I am not the one sending my letters and said a 3rd party credit repair service is and I find that extremely unprofessional and out right insulting that this company not is only reporting false, misleading, and inaccurate information to my consumer report but they also dont think Im capable or literate enough to learn and utilize my rights as a consumer and on top of that its causing me stress having this being reported because its slowing up my process of building my credit to obtain the things I need to move forward in my life. So I want this item removed immediately since I have sent out proper disputes in my own writing and still havent received a response and even further they have reported to the bureaus that I can not be located when the address I have sent my disputes from has been verified as my home address by all 3 bureaus so that is a lie, I am adding in my original complaint below to give a better understanding to whoever may read this complaint. 

sent out a debt validation request under the FDCPA, 15 U.S. Code 1692g ( sec.809 ) to SA-VIT Collection Agency on XX/XX/2021 and they have failed to respond to my request after given 30 days to remedy the situation in regards to the Account # XXXX After receiving confirmation via email that the request for validation was received on XX/XX/2021 I waited the remainder of the intitial 30 days given and now I have sent out a follow up notifying the agency that since they are still reporting this negative account on my credit report they are now in violation of the FDCPA and now subject to fines of {$1000.00} which I may collect from filing a claim in small claims court, and I intend to follow through with the suit if I do not hear back from them or see this account removed within 15 days. I also informed them that reporting invalidated information to major credit bureaus may constitute defamation of character, and I want this item removed immediately as it is preventing me from enjoying the benefits of good credit.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX I made on line deposit at BANK OF AMERICA of a check I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as shown in the attached photo and another online deposit at BANK OF AMERICA on the XXXX of XX/XX/XXXX worth {$1000.00} from XXXX XXXX in XXXX XXXX, as attached, the 2 checks cleared normally to my company account. On XX/XX/XXXX my wallet was stolen and there were 2 sheets of checks, which had already been cleared, and on XX/XX/XXXX the value of the 2 checks, one for {$4200.00} and the other for {$1000.00}, was withdrawn from my account, in the statement is marked that there was a duplicate ad debit adjustment, I filed a police report on the day of the theft, I called the bank and complained about the withdrawan of the money, i said that i would have up to 60 days to investigate the event, as i called several times I went to the bank and went directly to a physical branch, talked to a manager and the time she calledthe fraud departament, because so far they haven t solved my caseand haven t returned my money.I always call bank of america, s fraud departament and they clain I deposited 2 times the same check. Because the bank has an eletronic system and does not allow you to deposit 2 time the check, I dont understand why the money disappeared from my account, because if I had deposited twice it would have doubled the amount in my account. I already called the respective ownersof the 2 checks and they informed me that the amount did not return to their account and this a manager suggested and opened another account of my company and said that i could receive deposit my checks that there would be no problem paying the other one account that is negative due to the withdrawn amount. 
I dont know what to do anymore, it will be 60 days and they claim they wont return the money and XXXX i made a check deposit of {$650.00} in the new account i was using, it is usually on XXXX they transferred {$63000.00} for the account that there was the duplication.
Consumer complaint received 2021-08-14
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. (NJ)

XXXX XXXX only removed there account from 1 bureau XXXX They neglected to remove it from XXXX  and transunion. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

Transunion is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - XXXX XXXX On Time 30 Days Late 60 Days Late - Data Unavailable
Consumer complaint received 2017-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MO)

Hello my name is XXXX XXXX I have both private and federal loans with navient I previously went to XXXX XXXX who have recently closed for good on XX/XX/XXXXsince then I been inquriying information on the school closure discharge form that I heard about and once I found out about it I filled it out and sent it to navient XX/XX/XXXX since then I have heard nothing back from my services Navient and everytime I call and ask about I always get a different number to call. Then I was told the private loan I have does not qualify for that type of discharge when on the federal service aid website states that both loans can be discharged it does n't go into detail about what type of loan it just says federal and private. It 's hard enough trying to raise a family in today society on top of a school that promised job placement once graduating closes down where credits do n't transfer nor receive a certificate. When I attend XX/XX/XXXXXXXX I enrolled in XXXX XXXX which was one year and 4months to  complete the program due to there poor orginazation i was told that they did n't have instructors to teach the two classes I need to receive my certificate but I can be switch to a XXXX XXXX  program for 4 years and receive a bacholors degree. At the time I was frustrated about the change in course and not being able to complete my classes I chose not to do the 4year program. I do not believe it 's fair that I would have to pay a XXXX dollar loan when I was told I would receive a certificate and have job placement once graduated and now that the school I have no records of transcripts nor contracts that was signed. Going forward I believe this loan should definitely be discharge for false advertising and also because of the shcool closing. If I knew this process would be so depressing I would have never chose to go to XXXX XXXX which was a fraud school and anyone that attended and did n't receive a certificate should n't be forced to pay the balance nor does those type of loans have any options to help other then the 12 month rate reduction which is still a XXXX option if it 's a parent plus loan because it 's based on the parents income along with yours I need answers better yet would like to seen this XXXX dollar loan that I receive no certificate for no job placement nor credits transfer be discharged due to school closing.
Consumer complaint received 2021-07-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CU # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2019-02-24
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: Southwest Credit Systems, L.P. (NJ)

I filed a dispute with XXXX  advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX  three times with no success
Consumer complaint received 2023-01-12
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.