davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

I disputed XXXX XXXX XXXX collections on my file. I attempted to contact XXXX XXXX at their phone number XXXX and XXXX for more than two weeks. I attempted contact at XXXX through XXXX there is no answer or message. I have spoken to experts in settling collections who say that they have not been able to contac them for weeks. They may have gone out of business. My score can not be held down by an account that I am unable to pay. This is a violation of my federal rights.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

XXXX, XXXX inquired on my account recently and within a few days of that Inquiry I rec 'd a credit card from an online retailer of consumer products. THIS must be more than a coincidence ... I did NOT request a credit card from any online retailer AND I have destroyed the card and requested the card company to notify all credit reporting agencies.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX. I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security XXXX, yet again. I submitted it the first time with the dispute.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

My bills are only mailed every other month giving me consecutive " past due '' fees when I have never once signed up for paperless billing. I have spoken with representatives about this several times explaining I can only receive hard copy bills in the mail, because their online statements go directly into my spam folder. About once a year, they automatically switch me to online billing without my consent as well and refuse to cover my late fees.
Consumer complaint received 2018-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (GA)

Somebody stole my checking account routing number and account number and wrote fraud checks. I filed police report, got letter from bank, and notified the stores where checks were written that they were fraud. The bank closed our account out. I forwarded all the above information to XXXX   when we received bill. After they reviewed our info they claimed that one check was fake and the other one was not. They are hounding us to pay for one of the false checks that the bank put a stop payment on due to fraud. They have proof that this was fraud.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CO)

My mortgage was sold to Loan Care Servicing in XXXX. My payment was duplicated on XXXX XXXX, ( my fault ) and requested a refund. After numerous faxes, emails and phone calls, by XXXX XXXX my payment was still not refunded. Since I 've never been late on a mortgage payment and since it was so close to my next payment due date, I requested them to recast my payment to XXXX XXXX payment. I was told every time that it 'll take a few days. I called on XXXX XXXX and spoke with a " supervisor '' and she gave me her word that the payment was going to be applied to my XXXX XXXX payment by XXXX XXXX. I called today, XXXX and was told it will be processed by XXXX XXXX. I asked if the interest was going to be adjusted and also if my payment was going to backdated to XXXX XXXX, since they were in possession of the money. I was told in no uncertain terms, that that is not something they do. There are over 90 complaints about this company on XXXX, all with similar complaints and clients complaining that issues were stalled just so that they can charge fees. XXXX
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

Experian has reinserted a credit account that was fraudulently opened without my consent. I disputed this account some years ago and it was never validated nor verified with myself nor Experian. I just so happen to look at my credit report and there is a number of accounts that is fraudulent. Applied bank was removed and reinserted without verification nor validation. I contacted the credit card company and they never sent me a copy of the signed credit agreement with my signature on it. XXXX is the other account who was reinserted without verification nor validation. XXXX was also asked for a copy of a signed credit card agreement with my signature stating I applied and agreed to this card and they could not provide the information. XXXX XXXX is a computerized number and that does not constitute verifying information. XXXX funding was contacted as well and they failed to show how they own the account, did not send copy of agreement with my signature on it as well. This is my last attempt to resolve this matter. I will be pursuing legal action for these unvalidated and unverified accounts are hindering my credit score tremendously. No consumer should have to endure this foolishness when it comes to getting proof for validation. There is a Bankruptcy on here that does not belong to me. I called the courts and they do not verify information over the phone. Third party companies are not a valid method of verification. Im sure Experian did not talk to anyone concerning this Bankruptcy because the courts do not verify over the phone. Bankruptcy do no share information with third party companies. XXXX and other third party companies are not a valid verification. This bankruptcy was reinserted which I disputed a long time ago and Experian removed the bankruptcy, XXXX, applied bank and now they reinserted without legally verifying or validation failing to alert me of they was reinserting without proper verification.. XXXX account was disputed I was never late on this account and they never got in touch with the company to verify or validate. I know for sure they did not confirm because they wont even return my calls.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mnet Financial Inc (CA)

I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
- A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
- A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OR)

Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file!
Consumer complaint received 2016-08-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (AL)

Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX. 

Thank you
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (SC)

I requested that Experian remove or reflect 'dispute resolved ' within my credit report with this bureau for a debt under XXXX XXXX XXXX XXXX XXXX. They never resolved my issue. I never disputed this debt and if I request that they remove a dispute inquiry or reflect resolved they should do their job in making sure that they fulfill my request within the 30-45 day investigation period.
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of this.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information on my credit file.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Man-Data Inc. (OR)

I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX
Consumer complaint received 2016-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RSH & Associates, LLC (KS)

In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK (VA)

I tried to use my debit card from Etrade at the US Postal Service. It was declined twice with the response to contact Etrade. When I called to inquiry. It turns out that Etrade limits purchases at the post office to less than {$100.00}. I can not purchase, with my money, at the postal service because Etrade will not let me.
Consumer complaint received 2017-03-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (IL)

I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (NE)

I keep getting calls on my cell phone from a summit receivables saying that I have a debt to be paid. I call back the number that shows up ( a local number of XXXX ) but the place has no clue as to who I am. The number they leave in the message is XXXX but when i call they want me to give a lot of information that if I had an actual debt with them they would have. I 've asked for verification of the debt they say I have but none is forthcoming and they continue to harass me.
Consumer complaint received 2016-08-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

I am assisting a veteran complete a short sale on his home. Ditech is the loan servicer and its a VA Loan. I have submitted the short sale package along with an offer to Ditech XX/XX/2016. Ditech has failed to respond to the offer. I need assistance with this request. I have attempted to escalation this file with Ditech directly with no success and I called VA directly seeking assistance - but they did n't offer much help.
Consumer complaint received 2016-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (CA)

I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( Chase Bank ) and their collection company XXXX funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again.