davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient has no email or phone call proof that I ever asked the consolidation or a 2 year accelerated agreement. Asking for more information about something is NOT proof of completing an application NOR proof of signing a contract. 

In 20 years they only have Just 4 random documents with no context provided, 2 of which were FORGED by XXXX XXXX as I have never seen them in my life! And 2 that have handwriting on them ( 1of which being the original sallie mae stafford loan from 1999 which has nothing to do with the consolidation ) XXXX and XXXX provided direct conflicting information in writing on electronic records with XXXX putting in writing that it was a 3rd party company and you saying it is in house. 

I addressed this point directly advised how to file a fraud claim if you dispute the validity of the account in my previous response to XXXX and that was completely ignored in XXXX response as the application disqualifies me completely based on its instruction that the loan must be currently held by the DOE for which Navient previously confirmed it is not and that was the reason it was not under administrative forbearance. 

I asked for proof that I requested what Navient said I requested and they did not provide it. Just simply made excuses of why they can not prove when, where, and how I requested it ( more information request doesnt count as that is not asking for the specific application nor did you provide any context proof of why a check stub was submitted when it wasnt required for the form that I supposedly requested, filled out incorrectly, and completed online even though the form clearly says fax or mail ONLY!!!! 

Finally I have asked Navient over 50 times by email including copying in the General Counsel XXXX XXXX and the CEO asking for the proper address to have them served with a lawsuit and they refuse to give it by simply ignoring the email request.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in XXXX yrs and XXXX delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not breath properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MN)

I had an existing loan with USBank for a boat. The boat was caught by a tornado and suffered a catastrophic loss. I paid the remaining amount owed ( in full ) with a personal check and the insurance company issued a loss claim check for the amount owed and US Bank was a co-signer on the check. Since I paid off the loan already, I asked them to co-sign and then they confiscated the check, saying that they have a process for claims andit needed to be sent to claims dept. I told them I already paid the existing loan off. They indicated I should cancel my personal check. Which I tried to do with XXXX XXXX, but was informed that US Bank already cashed/processed it. I have been waiting for over two months for them to return the insurance check or refund my money over {$26000.00} and they will not refund my money or return the insurance check.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Happy XXXX XXXX to you and I hope your day is going well. My information is inaccurate across the credit bureaus. The other bureaus are showing nothing for these accounts and everything supposed to be the same. I am a victim of identity theft. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. 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.
Consumer complaint received 2018-03-29
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. (FL)

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (TX)

XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am receiving multiple phone calls, 2-3 times per day with the following message : " Hi. This is XXXX. We have some opportunities that can be available to you at Capital One. Please call me back today at XXXX XXXX XXXX XXXX XXXX to discuss them. Thank you. '' These calls are happening all hours during the day, morning, mid-day, evening. Over and over again I'm getting the same voicemail, from different numbers, the latest : XXXX
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (TN)

I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.
Consumer complaint received 2023-01-27
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: Mr. Cooper Group Inc. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureau. Despite sending them the last letter Therefore, XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2020-09-22
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. (TX)

experian won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

On XX/XX/2022 XXXX XXXX was stolen via an unauthorized transfer from my traditional IRA to XXXX XXXX 's XXXX IRA and then off of Gemini 's Exchange. 

I emailed Gemini Customer Support, because it's the only way to contact them, to alert them to the stolen XXXX  from my Gemini IRA Account. They said their system was not breached and it was another company 's fault and that I should contact them, IRA Financial Trust, who is their partner in providing this IRA product. 

Gemini claims to be a secure platform and XXXX XXXX  of retirement was stolen from their Exchange because XXXX was bypassed and there apparently are no safeguards in place to detect unauthorized, illegal transfer of funds between accounts on Gemini 's exchange. 

There are other Gemini customers impacted by unauthorized transactions on XX/XX/XXXX, approximately {$36.00} XXXX in retirement in XXXX, XXXX, and USD. Other victims, who are residents of NY, have filed with the XXXX. I have also filed with the NY Attorney General and the XXXX. No response from Gemini for these attempts at the return of our retirement.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (IL)

i contacted XXXX and told them that this debt was included in chapter XXXX and that they recieved noticed. which the lady said they did and didnt know why they are trying to collect on a debt, that was XXXX in bk XXXX. i gave the my attorney name and phone number. they still reporting this on my credit report ruining it. i told them if they didnt fix it i was filing a complaint and seek action against them.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I received a bill a few months back about a bill in which they had the incorrect date of birth. They said they would clear the payment, but now I have received a bill saying the account has been placed in collections. I have absolutely no idea what this company is whatsoever.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AK)

My mailing address is now XXXX XXXX XXXX, XXXX, AK XXXX. I have not received any written notification of this debt. I dispute the validity of this debt from XXXX XXXX and would like to receive documents verifying the validity of the debt.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources (NC)

On XX/XX/XXXX, I filed a CFPB complaint XXXX against FirstPoint Coll Resources INC about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under HIPAA. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from XXXX, stating that a medical collection was now being reported by FirstPoint Coll Resources INC. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.
Consumer complaint received 2022-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have disputed the Funished information from Portfolio Recovery Associates multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Experian failed to provide the method of verification that I requested for XX/XX/2021. Instead they only updated the file without showing any proof of proper investigation. The file from XXXX XXXX XXXX never showed proof or verified that they have a right to report on my file. Therefore by law this file should be deleted for negligence towards the fair credit reporting act.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Consumer complaint received 2021-04-25
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: EQUIFAX, INC. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2022-10-06
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: Convergent Resources, Inc. (FL)

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.
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: EQUIFAX, INC. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX