davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrect facts regarding a Bankruptcy on my credit report. Experian maintains that they " verified that the Bankruptcy is accurate. '' I requested to see Experian 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (CA)

This Loan was included in my bankruptcy. 
The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. 
This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.
Consumer complaint received 2015-10-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Capio Partners, LLC (NJ)

On multiple occasions, XXXX XXXX identified that he was from Capio Partners and that I needed to pay a medical debt. If I did n't pay the medical debt he was going to notated in my account that I was refusing to pay which would negatively affect me. I requested proof of service rendered and payment was due. To date, I have not received any documentation. XXXX XXXX contacted my employer XXXX additional times ; advising them they are required to pay for it. My employer advised them to stop contacting them. 
I contacted Capio Partners XX/XX/XXXX who stated the case was with them but with XXXX XXXX XXXX XXXX. They stated Capio Partners has not tried to contact me. However, they subcontract jobs with XXXX and XXXX XXXX. Capio Partners stated they put a request in the file to stop the employment calling ; however they were not able to guarantee it. Capio Partners put a request in the system to provide a detailed statement to my email. I asked to speak with a compliance/complaints office and they stated no phone number was available. They stated the date of service was XX/XX/XXXX for {$460.00}. 

I then contacted XXXX XXXX XXXX which the debt originated. They stated they were unable to stop the collection agency from contacting me. XXXX stated a bill is due for {$460.00} for services rendered XX/XX/XXXX. The bill must be paid through the collection agency. They also stated the only way to get them to stop calling me is to settle my debt with that company. XXXX XXXX XXXX will be mailing a copy of the bill to the address on file. I asked to speak with a compliance/complaints office but was denied. They stated they would ask their supervisor to contact me. 

Situations like this make me not want to go to the emergency room or a doctor for fear of the future harassment and threatening posture that is posed by debt collectors.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently disputed credit account with XXXX XXXX XXXX on my Experian credit file.Experians investigation results were that the item " remains '' on my credit file. I have reason to believe that Experian did not correctly investigate my dispute because I disputed the same item with XXXX XXXX XXXX with XXXX and their results were : " This item has been deleted from the credit file. '' My ultimate goal is to have this item deleted from my Experian credit file. You will find attached to this complaint my XXXX investigation results and my Experian investigation results.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with this matter
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX I disputed an account with XXXX XXXX XXXX XXXX. The complaint I am filing is specifically related to their reporting on my Equifax Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXXXXXX XXXX XXXXXXXX. 

I have provided both Equifax and XXXX XXXX XXXX services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX  XXXX when XXXX XXXX contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, XXXX XXXX XXXX had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem. 

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MS)

A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the Ally Financial v. Haskins Class Action Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (VA)

After reviewing all XXXX credit reports, I noticed that XXXX 's Collection Agency named XXXX had me placed for collection on XX/XX/XXXX which I do not recall authorizing. I am under the impression that they should n't be allowed to put an inquiry on my file unless I have authorized it. It has been paid as of XX/XX/XXXX. I feel that due to the fact that it was not authorized and it is satisfied that it is about time that it is removed from my report. It is making it difficult for me to bring back my credit back to good health. Please help me if you can. Thank you for your time and consideration!
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MD)

I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (IA)

allied interstate is saying that I owe XXXX {$50.00}. I called XXXX they told me they do not use allied interstate for collecting a debt, it was a scam, I do not owe XXXX anything on my account, emailed allied interstate and told them this and they said they would stop, this was back in XX/XX/XXXX, now I am getting phone calls, and a letter saying that there client is willing to accept {$25.00}. they want me to mail payment to them, allied interstate llc XXXX XXXX XXXX, XXXX, oh,XXXX I do not owe XXXX anything
Consumer complaint received 2016-06-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MN)

We have received an email from Castle payday threatening us with VIOLATION OF FEDERAL BANKING REGULATION, COLLATERAL CHECK FRAUD and THEFT BY DECEPTION for a supposed loan of {$400.00} - no date of the loan is given. They claim we owe {$1200.00} due to the 469.29 % interest they charge. We DID take out a payday loan back in XXXX 2012 for {$700.00}. It took us almost a year but we paid it off and have the final payment email to prove it. It was the worst thing we could 've ever done because they rob you blind in interest charges. Obviously, they continue to try and rip you off by making threats of " we reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. '' No phone # is given to call them ; only to email them right away if you want to make a payment and stop these legal proceedings.
Consumer complaint received 2015-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a XXXX party collection company " Enhanced Recovery '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " XXXX '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Upon checking my credit on XXXX and XXXX, I found a new collection under Enhanced Recovery ( ERC ). I 've already submitted a dispute on both credit bureaus because I have no knowledge of this debt. The collection info says I owe XXXX {$460.00} as of 2012. I did not even have an account with XXXX XXXX XXXX around that time. I have never been contacted by XXXX XXXX XXXX saying I owe them anything, so I 'm pretty sure this is a scam. I 'm sending a letter to ERC today via certified mail, with return receipt requested.
Consumer complaint received 2015-05-14
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Big Picture Loans, LLC (PA)

Castle payday forwarded this debt to a XXXX party XXXX however on Monday XXXX XXXX, 2015 I received a voice mail on my work voice mail by an unidentified company which is the following : Hello this is XXXX XXXX I 'm calling in regards to a formal complaint that 's been filed against a ( My Name ) if you have any information that may lead to the where abouts of this individual please contact our office immediately at XXXX regarding complaint # ( number here ) the next step will be filing the necessary paperwork with the county district court. 

This same exact message was left on my father 's cell phone, my sisters cell phone, my other sisters home phone and the home phone of a close friend as well as my work phone as I mentioned previously. Prior to this I have never been contacted to then suddenly be harassed by XXXX phone calls with my personal information going out within approximately XXXX mins going by. I immediately called back and spoke to a gentleman by the name of XXXX @ extension XXXX, it was at that time I identified the company as XXXX. He told me what Castle Payday authorized him to do. I advised him I 'd call back. I followed up with Castle payday today XXXX/XXXX/15 and was told this was sent to a different company entirely. 

Please assist or advise. 

Thank you
Consumer complaint received 2021-09-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NC)

I keep getting calls from navient for a debt that is not mine. The deb is for my now wife and her ex husband from before we were married. I was never on the loan and I have told them repeatedly to stop calling me. Every time they call, they ask for XXXX XXXX, who is my now wife 's ex husband. They refuse to take my number from their system and continue to harass me for someone I am not, and a debt that is not mine.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CB1, Inc. (MT)

I have a about XXXX to XXXX things on my credit report that I do not believe belong there in 2013 my significant other was killed in a car crash the owner of the car did not have insurance now my late significant others medical bills are now in collection for me and I do not believe that I should be charged with these there is almost {$10000.00} also there is another report on my credit that is from Child Support that I have never had to pay child supportthere are about XXXX more reports on my credit I do not believe be long to me and I do not believe I should be hurt by them I am trying to buy a house and can not get financed because of the negative reports