davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (VA)

Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Admin Recovery, LLC (TN)

I 've never received any thing written or on paper concerning this debt, first of all. I knew I fell behind on payments, but did n't think it had been that long. I did n't know it had gone to collections until this guy started calling. When I did n't call him back, he has started calling my work place. He was hostile and demanding personal information like my social security number. I told him he is not allowed to call me at work, so he then called human resources to tell them to have me call him. My job is now at risk, and I could be fired if he continues to call, even though he has been asked not to.
Consumer complaint received 2023-02-04
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: Self Financial Inc. (MO)

SBNASELFLNDR on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

Someone used my stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first. I contacted the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from XXXX  was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (CA)

I began getting phone calls from a debt collector in XXXX 2016. Despite my informing them I am not the person they are looking for, debt collector keeps phoning me. I have told them they are calling the wrong person and not to call me any more. Last week on Tuesday XXXX XXXX I got a call and both my wife and I told them not to contact me again. Less than 24 hours later I got a robo-call from them and today, XXXX XXXX I got yet another call and again I told the person I am not the one they are looking for. The debt collector replied " well, you are on the internet ''. I again asked them not to contact me again.
Consumer complaint received 2018-05-26
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. (CA)

It is a private loan with Navient I am unable to find flexible repayment options. I've been repaying these loans for a long time at least 10 years and they never offer different option for repayment plans. I feel the school was also predatory because they told me I could consolidate these private loans and it was very misleading on the school part.
Consumer complaint received 2016-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I really need your help because at this point I do n't know where to turn. I opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. 

I would like Experian to fulfill their obligation to supply a free report.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have disputed XXXX act # XXXX with experian several times. I have received a deletion letter from XXXX stating that they are no longer reporting this account on my credit and supplied it to experian. However, experian ignored the receipt of supporting documentation and instead of deleting this account as instructed they have WRONGFULLY update this account to show balance XXXX ... I never had this balance with credit card..I mailed in anther dispute with supporting documentation and got a response that account was updated instead of it being DELETED. Then I called, and representative stated they already investigated once and will NOT redispute again! I was instructed to use their website for faster results however their site is unresponsive!!!!!!!!!
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (KY)

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian credit report.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : Balance {$1200.00} Dear Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (KY)

CBE Group is still reporting unverified debt that is n't mine on XXXX and XXXX. They have not only changed the spelling of my first name that was spelled, XXXX, at first and gone back, I believe had it changed too XXXX. I have never been XXXX NOR XXXX XXXX! Have ask for verification of this alleged debt belongs too me, XXXX XXXX. And if so, send the orignal documents for XXXX XXXX and has yet to seek. They 're not only reporting a debt that is n't mine but also sold this alleged debt to another company but yet still reporting on my credit profile that they own this alleged debt.
Consumer complaint received 2016-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. 
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: QUALITY ACCEPTANCE LLC (CA)

Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

I purchased XXXX appliances from the Home Depot in XXXX 2015. I used my Home Depot credit card to make the purchase. I 've had numerous problems with the refrigerator that was part of the purchase. Due to the manufacturers inability to fix or replace the refrigerator I was left with no recourse but to dispute the charge to my credit card. I disputed the charge in early XXXX and was told by Home Depot Credit Services that the issue with the refrigerator would be resolved in six weeks or the original purchase amount of the refrigerator would be credited to my account. The six week time period has passed. My refrigerator has not been repaired and I have not received the credit to my account as I was advised by representatives at Home Depot Credit Services. I am now being told that an additional extension has been given to allow for the repair of the refrigerator. I find this unacceptable as this has been an ongoing issue since last XXXX when I first reported the malfunctioning refrigerator.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (FL)

Citibank initiated foreclosure process on the 40th day of delinquency. The loan was paid in full prior to the 60th day of delinquency. I keep getting denied for Mortgage loans because my credit report shows " foreclosure started. '' I have asked Citibank to remove the verbiage and they keep adding it back to my credit report. I had a XXXX loan which clearly states no FC proceedings to be started prior to the 90th day of delinquency.
Consumer complaint received 2015-10-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc. (CO)

People are calling my family threatening to have me arrested saying they have to get ahold of me for a court summons They leave this phone number XXXX and a case number. They call my family everyday and have even threatened to throw them in jail if they do n't find me. XXXX family member received XXXX calls in one day. The loan was over 3 years ago. I 'm now on XXXX and ca n't afford anything right now.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TN)

I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.
Consumer complaint received 2017-10-12
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. (MA)

I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (UT)

I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Fed Loan is inaccurately reporting the status of the Student loan payment status. I have reached out and contacted them to no avail. They are aware of the permenant and total XXXX discharged account with the Dept of Education. However, they are still reporting my payments incorrectly which is affecting my credit profile negatively. The Dept of Education has indicated that Fed Loan was notified, however, they failed to update any status reporting to the credit reporting agencies.
Consumer complaint received 2017-10-11
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: BARCLAYS BANK DELAWARE (CA)

I noticed an inquiries on my credit reports that i did n't recognized, contacted the XXXX credit bureaus to notify. XXXX kindly accepted the dispute, however had a hard time with XXXX. There is an inquiry from Barclay, from XXXX/XXXX/XXXX. Application ID # XXXX. This does not belong to me.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TX)

I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance.