davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (NH)

I went to XXXX University for XXXX semester for my PhD. This school did not send me a bill, call, or communicate about any money that was due. I was not aware of money owed until the collections agency sent an email. 

The collections agency, Account Control Technology ( ACT ) is unavailable for any communication. All phone lines are down, and email correspondence goes unanswered. I paid the balance in full online on XX/XX/22. They still have not notified XXXX of the payment.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

I have been asking XXXX and LVNV FUNDING TO REMOVE THIS CHARGE OFF MY CREDIT REPORT FOR SOME YEARS NOW AND NEITHER XXXX OR LVNV FUNDING HAS DONE SO. I HAVE SENT PROOF OF A COURT RULING IN MY FAVOR TO BOTH COMPANIES AND NOTHING HAS HAPPEND I THINK ITS REALLY SAD THAT THESE COMPANIES CAN JUST RUIN A PERSONS CREDIT AND NOTHING CAN BE DONE ABOUT IT THIS HAS CAUSED ME STRESS AND PROBLEMS WHEN NEEDING TO APLY THE USE OF CREDIT TO MY PERSONAL LIFE. THE RULING TOOK PLACE WAY BACK IN 2017 AND THIS COMPANY HAD THE NERVE TO TAKE ME BACK IN FRONT OF THE SAME JUDGE 2YRS LATER I WAS NOT HAPPY NEITHER WAS THE JUDGE THE RULING ENDED IN A JUSGEMENT FOR ME ( WITH PREJUDICE ) WHICH MEANS IT SHOULD NOT HAVE BEEN FILED AGAIN AFTER THIS JUDGEMENT WELL NOW IM HERE BECAUSE THEY STILL REFUSE TO REMOVE IT I NEED HELP AND ALSO WANT TO KNOW IF I CAN FILE A SUIT MY SELF AGAINST BOTH LVNV FUNDING AND XXXX XXXX
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report TransUnion had a Lien on my credit report that has been release. I have not file a formal dispute with TransUnion instead I wanted to file a case. So, I am uploading my information into the CFPB. This Lien should have been removed from my credit report once the release was recorded.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (RI)

The following inquires I do not recognize : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collections, Inc. (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CT)

I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In 2014 I was working with navient to pay off my student loans, I worked out a monthly payment plan to get brought current with my payments. I had paid on my student loans for the six months span they said I should. After the 6th month they told me that my loan would be transferred back to Sallie Mae where I could continue to make these payments.when attempting to get a hold of Sallie Mae they had no information on my loans they didn't know anything about my particular student loan debt. however upon getting back in touch with navient they told me that it was no longer in their system because they transferred it to Sallie Mae and I was brought current with my loan. I was also told that since my loans were current, that my tax return would no longer be withheld from me and I would even be able to reapply for a new student loan if I so chose. After a few days of trying to contact Sallie Mae I received another phone call from navient. they informed me that I was delinquent on a loan, which I explained I have been paying for 6 months and done everything appropriately. It turns out they conveniently left one of my loans out of the original debt that I had.so, I'm thinking I'm doing the right thing and paying off my student loans and getting ahead of it. Apparently they decided to leave one of the student loans out so they could continue to call and harass me about a separate student loan. Which should have all been bundled into the one payment I was making. Upon doing some further research, I found that four of my student loans were paid up and current, and the two that they conveniently forgot about we're still in delinquency. at this point, Sallie Mae still has no information about my student loan making it impossible to pay. A navient wants to start this payment plan all over again with separate loans that should have been included in the original. my taxes have been taken from me every year since then, and I have still not been able to resolve the issues of the misplaced loans while dealing with navient. when trying to do the right thing and pay off a debt, a company that large should not be doing everything they can to hold you back from paying off said debt. it's been racking up interest and late payments and everything else simply because they decided to separate my student loans and not tell me that I was only paying three-quarters of my loans. I have since gotten married and had children, now as a family we are losing all of our tax return at the beginning of the year. I have just recently heard about the lawsuit against navient, and realized a lot of the things that are in that lawsuit is what they also did to me.after doing what I could to get on track with the loan repayment and fix my credit and get my taxes back at the beginning of the year, they have continued to make that nearly impossible.
Consumer complaint received 2015-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Account Control Technology, Inc. (VA)

A company called " account control technologies '' ( XXXX ) XXXX keeps calling me about a student loan in collections for a borrower with whom I have no relationship. This is a loan for which I did not sign anything. The borrower listed me as a reference ( without my permission or without notifying me ), and the company " Account Control Technologies '' is calling me using phone numbers that I provided to the loan company XXXX XXXX for ANOTHER, UNRELATED account. Its not right for them to call me over and over again about a loan that I have absolutely no legal relationship to and when I asked them to stop calling me a few weeks ago, they called again today ( twice ) on all of my phone numbers. Today, I asked to speak to a manager, and he told me that not only will they continue to call me but they " legally '' can refuse to provide me a copy of the loan documentation where my name appears. This is harassment. I have no relationship to this loan and I never consented to be any sort of " reference. '' The company whose loan they are collecting on ( XXXX XXXX ) did not obtain any signatures from me about being a " reference ''. If it was included on a form by the borrower, IT WAS DONE WITHOUT MY KNOWLEDGE AND WITHOUT MY CONSENT. This should be illegal.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC (OR)

On XX/XX/2023 I was pre-approved for a {$50000.00} personal loan via XXXXXXXX XXXX website. 

They kept asking for more proof of income. On XX/XX/XXXX I received an adverse action notice from Customers Bank. 

I wrote Customers Bank a notarized letter to the address they provided, stating they are in violation for denying a consumer an extension of their own credit. I also pointed out this is a credit card fraud problem as well, since I gave them my social security number ( credit card ), which they ran but did not provide me any benefit at all. 

I offered them 10 days to either deposit {$50000.00} into the checking account they have on file from my application, or to respond via affidavit with proof of their exemption from consumer protection laws. 

On XX/XX/XXXX I received an email from XXXX simply stating " a XXXX member may reach out to you. '' It's been over 2 weeks and I haven't heard anything since. 

I just checked my XXXX online profile, and it still shows I am denied.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AZ)

I requested a free credit report from XXXX XX/XX/XXXX. This report shows loan balances related to Mohela. An account inquiry at Mohela show balances of XXXX on all accounts XX/XX/XXXX. The XXXX credit report indicates that Mohela information was last updated XX/XX/XXXX. 
Mohela states that they are sending updated information to credit bureaus on a monthly basis. This is not occurring.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NC)

I decided to check my credit report and noticed that a company by the name of VANCE AND HUFFMAN LLC was listed on my credit report as a collection. I have never heard of this company before, nor have I made any agreements with this company. On XX/XX/2022 I Mailed a Certified Letter out to VANCE AND HUFFMAN LLC disputing this debt which I have no knowledge of. They mailed me a letter which showed payments for another company which I have no knowledge of, along with a signature that was typed out claiming that it was mine. I decided to send another certified letter on XX/XX/2022 because I couldn't understand why they were sending me a document with a bunch of payments listed along with a fake signature. I received a letter back stating that there was nothing they could do. A couple days later I received a letter in the mail telling me that I need to make a payment. This company is reporting false information on my credit report and it is really causing me a tremendous amount of stress because I am getting turned down for things that I should not get turned down for. Please Help!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my XXXX XXXX with the XXXX XXXX I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX standing and credibility. I have contacted the XXXX XXXX in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (UT)

My mortgage loan was transferred to the company to be serviced. I called them countless times to fix the website so I can login to make payments and view my account. 

They do not fix it and only allow me to pay over the phone and always ask for my full social security number over the phone. 

Ive asked them countless time to send a statement of what my balance is and history of payments. I dont get any billing statements either so Im not sure what the account or loan number is. But may be one of below. 

XXXX XXXX This is the website https : //uwm.loanadministration.com/uwm/ # /login
Consumer complaint received 2020-07-09
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: Receivables Performance Management, LLC (NJ)

i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on me
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Me and XXXX XXXX were divorced in 2001, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over XXXX  years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since 2001. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXXXXXX XXXX, solely.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. This is the inquiry : XXXX - XX/XX/2023 :
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees
Consumer complaint received 2016-03-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (GA)

In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TX)

This debt collector is trying to collect funds on medical bills that are not valid. I am a 100 % XXXX Veteran with complete healthcare coverage- covered by the XXXX XXXX All of my medical bills are covered by the VA for the rest of my life. This company has added two different collections to my credit report, in the amounts of {$1300.00} and {$510.00}. They are not valid. It's a shame that companies like this exist and that I have to take time away from my health, to deal with this sham of a company.
Consumer complaint received 2021-10-08
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: CURO Intermediate Holdings (MO)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2022-07-19
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: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX amount XXXX. I went on line to book a room for my nephew, Web site for XXXX XXXX, XXXX FL. Clicked on button to book room, was suppose to be XXXX plus XXXX tax. Printed confirmation and amount showed total of XXXX. I immediately called number on confirmation XXXX XXXX XXXX XXXX which belonged to XXXX The person that answered the phone told me I could not cancel this reservation even though it says on confirmation free cancellation and I just booked 15 minutes ago. Basically they told me they already had the money and I was out of luck. I called XXXX XXXX and told the owner what was going on he said that he could not cancel because it was booked by XXXX. so now we have 2 players that say they booked one room. Then an additional XXXX service charge.This was a scam not sure if XXXX XXXX is involved or not. Did not use their room and did tell XXXX XXXX he would not be staying there. Not sure what their game is to double charge a reservation fee which I booked myself. It looks like reservation.com got ahold of booking.com and booked the room. I have been trying to get someone at Comenity Bank to help with this issue. They are rude, leave you on hold for XXXX hours and tell you they can't help. I still to this date have not had a letter stating they have declined or approved the charged. I have XXXX letters I have mailed and they always say did not receive. What is going on, is this a real bank. Their system is still down. Now they are putting on XXXX late charge and intreast. Stil have not received a letter telling me their decision. Please help. I read the reviews from Comenity Bank and it is not good!!!
Consumer complaint received 2022-07-19
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. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ADDRESSES XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX