davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

XX/XX/2017 Enrolled into a school program. XXXX  XXXX XXXX .The student council signed me up for loans I didnt agree on. Once i learned about it I stopped attending altogether believing that would stop the loan however they continue to collect on my behalf.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX. I am not a 3rd party. I am who I say I am. This is my second time submitting a CFPB complaint and I am bothered that my complaints are being dismissed. I have been filing disputes with Equifax, XXXX  and XXXX  since XX/XX/2021 and have not received information regarding their investigations. I have also filed an FTC report in regards to the inaccuracies being displayed on my credit report.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nations Recovery Center (IL)

On XXXX-18 @ XXXX XXXX I contacted Nation Recovery Center about a debt that showed up on my credit report that i wasn't completely sure of what it was. I was transferred to an agent XXXX XXXX who i inform i wasn't 100 percent sure of the debt and when he informed my of what the debt was I told him I thought it was cleared in a previous bankruptcy. XXXX XXXX inform my it wasn't. I proceeded to inform XXXX XXXX that I, m currently unemployed and would like to try and settle the debt, when XXXX XXXX proceeded to inform me that I'm lying and that I am current working. He then gave me the name of a former employer when i attempted to inform him that the information was incorrect but was told once again I'm being untruthful. I asked for a settlement amount on a {$1700.00} debt when i was put on hold and was offered a {$1300.00} settlement. When i tried to get a lower settlement amount and explain that I'm currently unemployed, XXXX XXXX proceeded to in form me that I'm lying. I was also told that " how can i afford to buy a {$30000.00} car last year with no job '' I explain that I brought it last year when i was employed. XXXX XXXX continued to claim I was lying and then inform me that I'm gone pay this debt one way or the other. He told me that they could garnish my paycheck, also that they can put a lien on my bank account at XXXX and at XXXX. Then XXXX XXXX told me that I'm going to have to pay them anyway because I'm trying to buy a house and the place where I'm trying to get the loan will make me pay which I never informed him of. I then told him I never said I was trying to get a house and he proceeded to tell me I was and name 5 other creditors that I paid off. At that point I asked to speak to a supervisor and then was told by XXXX XXXX that he is rejecting my settlement off and i have to pay in full then transferred me to a supervisor XXXX XXXX XXXX ( supervisor of civil judgement ). I explain to XXXX XXXX that I don't appreciate the threats and the interrogation tactics, XXXX XXXX seem to condone XXXX XXXX actions. I then asked that the call be reviewed by a supervisor and the appropriate actions be taken. I then inform XXXX XXXX that i want to settle the debt, When XXXX XXXX inform me that the settlement amount was off the table. I honestly feel violated and no company should have the ability to threaten you and call you a liar to make you pay a debt in which I reached out to settle.
Consumer complaint received 2020-01-27
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: EQUIFAX, INC. (MO)

My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I feel I being Discriminated against because I am XXXX American.
Consumer complaint received 2021-02-05
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: Medical Business Bureau (IL)

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XX/XX/XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX Retail Card XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

Hunter Warfield in XXXX, Florida called me looking for XXXX for a rental agreement that was identity fraud. This was not me. I asked them for email confirmation with this statement and I have still yet to receive this file. They told me I need to fill out an identity fraud affidavit and a police report. I told them i will not do this until i get the paper work with them. I also called the apartment complex but have yet to hear back.
Consumer complaint received 2021-02-05
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

The student loan, which I am a cosigner, is managed by Navient. When ever my nephew gets 1 month behind, which he has never been later than this, Navient calls our home 5 to 7 times a day. These repetitive calls happens each and every day till the past due balance is paid.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MD)

I had XXXX XXXX XXXX that I terminated when I moved in XX/XX/XXXX. Per XXXX XXXX instructions, I placed their modem in a pre-addressed box and shipped it back to them. They later informed me they had not received it. In XX/XX/XXXX, I spoke with a customer Support agent to verify that they had received it. I did not receive any additional communications or bills from XXXX after that date so assumed everything was resolved. 

This month, XXXX of XXXX, I received a notification that a collections had been placed on my XXXX and XXXX  credit reports by IC Systems. I have not received any communications from IC Systems. When I called IC Systems they informed me that the collections was in fact for the unreturned modem, and that they had been sending letters to the address provided by XXXX, where I lived up until XXXX of XXXX. The agent then told me they can not offer any resolution then abruptly disconnected from the call. Of course I never received these letters as they were sent to my old address. 

I checked and my current address is accurate on both my XXXX  and XXXX  credit reports, so would have been available for IC Systems to reference. 

Not only was this debt previously addressed with the original company, XXXX, I received no communications neither from XXXX nor IC Systems informing me they still considered the debt to be outstanding before it was reported to Credit Bureaus.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-23
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. (FL)

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by XXXX that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. Equifax claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Consumer complaint received 2020-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PMAB,LLC (NC)

I tried disputing these medical charges through XXXX. Im a XXXX veteran  and all the medical charges were before i got my XXXX rating and the medical charges are all XXXX XXXX  XXXX.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (KS)

We financed a sofa from Ashley Furniture through synchrony credit and have received defective merchandise. We have battled this since we purchased with both the company and the finance company to no avail. The fabric is defective and the furniture is unusable. We purchased the warranty but they state its not covered. We are not claiming a warranty issue but a defective product claim. We requested a chargeback from synchrony with no response to our claims. This is absolutely unacceptable. This has hurt our credit score and we feel that this is very wrong and we have NOT been protected from a very defective and deceptive purchase.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2020, Chase did the payoff process by sending lien release form to XXXX County, they provide the estimate for the fee and did not offer the option to ask me if the property is owner occupied ( which is true for me ), that's why XXXX County charge {$75.00} more for the lien release. Chase is in the business of mortgage and they should know SB2 charge ( {$75.00} ), they insist it's my responsibility to find out that and tell them in advance which I disagree. I've contacted them through their web portal, they only respond with name " Chase Escalates '' and phone number XXXX, which look to me no one in their company want to take any responsibility for this respond.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My mortgage has changed companies several times. The most recent company, LoanCare, has been servicing my mortgage for several years. In XXXX, they decided to stop applying my payments to my account because it had the old account number. However, I was not made aware of this until XXXX. I have made every payment to them and have submitted proof of those payments MANY times. However, they refuse to acknowledge my payments and keep delaying any resolution. I have spoken and email them many times and can not get any answers. My credit has been ruined and I fear I am about to get foreclosed on.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (CA)

I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
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. (MN)

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX  XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: Credit Control, LLC (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a XXXX  credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, Credit Control collection Agency, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. Credit Control was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made Credit Control and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt.

I was deceived by Credit Control and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

" Navient XXXX XXXX '' is what showed up on my caller ID. The Representative 's name is XXXX, he gave an employee ID # of XXXX ( or something similar ). 

He was asking for a " XXXX '' who he believes I know and was attempting to get " XXXX 's '' contact info -- he's tried many times to get hold of her. 

He called from XXXX and left a voicemail but asked for a return call to XXXX. I called back and told him I have no relationship with " XXXX '' and that I've asked in the past to have my number removed from " XXXX 's '' account. I have filed a complaint with the FTC and he said, " good luck, they'll keep calling. ''
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (IL)

Due to COIVID 19 and goverment order of lock down, my place of work has been closed, causing financial hardships. Fast forwards, on XX/XX/XXXX, made a payment of {$1500.00}, spoke with the rep in regards to 2 months extension with XXXX XXXX monthly depreciation fee, which I agreed to. Now they are telling me they do not have a record of and repossessed my car while I was out with my XXXX children. Took the car seat, wallet and phone in the car. Been calling everyday since to find out how to get my car back and rep from redemption departement on XX/XX/XXXX @ XXXX advised that I will be able to pay the past due balances, bring the loan to current and pick up the car but after their system fully updates in 24-48 hourse, which is my intention. I was told to call back on Thursday XX/XX/XXXX for the update. Called and found out they transferred my car to auction house after hours last night, one day after repossession. Have not recevied any notices or phone calls regarding late payments, possible repossession etc. I tried calling many times but they are now saying something completely different than what I was told two days ago. For something they did not do, they insist they did, and something they did, they are saying there's no record of them doing it. Can not speak with the supervisor like I was advised to from redemption department. Keeps transferring to different department and can't get anywhere.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

I have contact us bank credit department 9 times trying to get them to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( supervisor ) XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Theres been a miss communication on my credit that I gotten few years ago. Basically they have no evidence I lived in this apartment and they keep updated it on my credit. I told the apartment people and they said they were going to take it off but they never did.