davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

My loan was transferred from Sallie Mae to Navient before 2010. At that time I was a XXXX year teacher before there was a PSLF  or it was never mentioned. I sent Navient about {$200.00} as it was all I could afford as they were forcing me to make over a {$700.00} dollar loan payment. They put my loans in default because I wasnt sending them the full amount, we call this predatory. I was then billed for over {$700.00}, which as a teacher I could not pay, so year after year instead of letting me pay what I could they kept putting my loans in forbearance and my high interest made my loan even more expensive. They were relentless. In Georgia where I was living navient settled a class action lawsuit where I should have been part of, but was not for some reason! Now XXXX has me back in repayment but you can never reach customer service. They also have information incorrect in the system which affects my PSLF loan forgiveness, which should have occurred in the class action lawsuit by the state of Georgia!
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have sent multiple letters requesting my credit report and have yet to get a response. My report shows as a nonexistent account which I need corrected to move forward with verifying my credit rating.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Been trying to get a hold of someone in customer relations with Regions for several months. The hold time is always above 40 minutes and has been extremely difficult to get in contact. I do not live close to a branch so this would be my only form of communication. I tried their online web chat as well trying to talk to a real person and over an hour went by with no response. I have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  so I have not received any mail. I also have no received any calls to make me aware of card cancellation. I've never missed a payment in 7 years and since they are too hard to get a hold of they didn't send me proper paperwork to inform me the card was closing. They call all the time about promotional products or late payment but no phone call for major account changes? Seems deceptive to me
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have sent XXXX, XXXX, and Experian letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (MD)

I requested validation not verification but validation and received nothing from the company. I wanted a signed contract Open date closed date Proof that they have the right to collect this debt This was requested over a year ago they did not furnish me this information now they are calling me again and on my credit report is is showing open
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP (TX)

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

Subject : Formal Dispute of Inaccurate Information LVNV Funding LLC Account XXXX XXXXXXXX Dear XXXX Dispute Department and CFPB, I am writing to formally dispute inaccurate information being reported on my credit report by LVNV Funding LLC. The account in question is Account XXXX XXXXXXXX, with an alleged balance of {$1700.00}. This account is being reported on my credit file with XXXX without any valid written, signed consent from me, as required by law. It is important to note that this account does not appear on my credit reports with XXXX or XXXX, further underscoring the inconsistency and inaccuracy of this information. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incomplete or inaccurate information on my credit report. This letter serves as my formal dispute and request for the immediate removal of the inaccurate information in question. I am invoking the following provisions of the FCRA : XXXX Section 611 ( 15 U.S.C. 1681i ) This section mandates that credit reporting agencies must conduct a reasonable investigation upon receipt of a dispute regarding the accuracy of any item on a consumer 's credit report. Given the absence of proper documentation, this account must be deleted from my file. 
XXXX. Section 609 ( 15 U.S.C. 1681g ) This section obligates credit reporting agencies to provide consumers with a complete and accurate disclosure of the information in their files, including the sources of the information. As part of my dispute, I request that XXXX provide all documentation that supports the reporting of this account, including any written agreements or signed consents. 
XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) Under this provision, information furnishers, such as LVNV Funding LLC , are required to report accurate information and correct any information that is found to be inaccurate. Failure to verify the legitimacy of this debt violates this section of the FCRA. 
LVNV Funding LLC has provided no written, signed documentation proving that I authorized this debt or that I have any legal obligation to pay it. Without such verification, the reporting of this account is inaccurate and constitutes a violation of my rights under the FCRA. I request the immediate removal of this account from my credit report. If XXXX does not remove this disputed account, I may pursue legal action to enforce my rights under the FCRA.
Consumer complaint received 2022-06-06
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. (MI)

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODA XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am writing to formally file a complaint against XXXX debt XXXX representative XXXX for unprofessional and harassing behavior during a phone call on [ XX/XX/24 at XXXX XXXX  ]. Despite informing him that I am currently unemployed and seeking government assistance, he repeatedly questioned me in an aggressive and disrespectful manner, insisting on knowing how I obtain food and money and insinuating that I am attempting to avoid paying my debt. 
The representative went as far as to suggest that I am trying to get out of paying my debt, which I believe was an indirect accusation of committing fraud. This statement is deeply offensive and distressing, as it is completely untrue. I am not refusing to pay ; I am simply unable to make payments at this time due to my financial situation. His behavior made me feel attacked, XXXX, and extremely uncomfortable. He continued to push aggressively for details on where I get money from and failed to acknowledge my request to file a formal complaint during the call. 
This call came at an already stressful time for my family and friends, as we are still dealing with the aftermath of XXXX XXXX. The representatives aggressive behavior and accusations added unnecessary distress to an already challenging situation, and I believe it was highly inappropriate given the circumstances. 
This conduct is not only unprofessional but also a violation of my rights. I have the right to be treated with dignity and respect and to be free from harassment and false accusations.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

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 US SM BUS ADMIN ODA XXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (VA)

Google took {$580.00} out of my savings account. I have a savings account with XXXX XXXX XXXX XXXX. When I emailed Google, they said get ahold of my bank. So I did, XXXX XXXX XXXX XXXX said, get ahold of Google and I did, made a complaint with Google. Then Google emails me and said, they can't find a purchase of that amount. Because I never purchased anything in that amount. XXXX XXXX XXXX XXXX can't tell me what the purchase is either. Yet they let Google take money out of ( {$580.00} ) my savings account. Please help. Sincerely, XXXX. XXXX ( XXXX XXXX ) day it happened.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Cease and Desist Communication and Formal Dispute of Debt under XXXX U.S.C. XXXX ( c ) and FCRA Dear XXXX, I am writing to formally dispute the validity of the debt that your agency claims I owe. I also hereby request that you cease any and all communication with me regarding this matter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( c ). 

The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Amount Claimed : {$270.00} Creditor Name : XXXX XXXX XXXX XXXX Amount Claimed : XXXX XXXX XXXX XXXX Claimed : {$580.00} Creditor Name : XXXX XXXX XXXX XXXX Amount Claimed : {$500.00} According to XXXX XXXX. XXXX ( c ), upon receiving a written notice from a consumer requesting that a debt collector cease further communication, the debt collector must cease all attempts to communicate with the consumer except to inform them that collection efforts are being terminated or to notify them of any specific legal actions being taken. This letter serves as my formal written notice to cease all further communication regarding this matter, whether by phone, mail, or any other means. 

Additionally, I am disputing the accuracy and validity of the debt you are attempting to collect. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( b ), you are obligated to conduct an investigation of any dispute that a consumer raises about the accuracy or completeness of information reported to credit bureaus. Therefore, I demand that you verify this debt and ensure that any inaccurate or unverifiable information is removed from my credit report immediately. 

Please provide me with written confirmation that you have received this cease and desist request and that you have either verified the debt or removed it from my credit report, in compliance with FCRA guidelines. Failure to comply with these federal laws XXXX result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Escrow Mismanagement : In XX/XX/XXXX I received a statement from my loan servicer Citizen 's Bank that I had an escrow shortage of {$150.00}. I made my XXXX payment and sent a separate check for the escrow shortage of the {$150.00}. Sometime in XXXX i was made aware that my property taxes for the subject property were delinquent and assessed late fees. I contact Citizens and spent hours on with a call center where the staff had no understanding of escrows or taxes. We did determine that Citizens paid both too much and to the wrong property. I could not get any further with the call center and I had to contact the mortgage broker who wrote the loan, and they had a contact state side and asked for help. I was contacted by the office of the president of Citizens bank, XXXX XXXX to fix this problem and to correct addressing errors on the part of Citizens. Today I called and my taxes have not been paid, but I see a new escrow statement raising my payment yet again, twice since I bought the property in XX/XX/XXXX. There should have never been an escrow shortage in XXXX of XXXX since the amount that Citizens was showing for my taxes was incorrect and too high. There should be no escrow shortage in XX/XX/XXXX since I paid an extra {$150.00} already and the taxes are still showing too much. Additionally, my taxes have not been paid, and Citizens is trying to charge me the late fees. I have made all my payments on time. I have had many loan servicers over the years and Citizens is by far the most incompetent. These people should not be in charge of anyone 's money. They are ineffective, incompetent, they avoid speaking to you and pawn you off on a call center is a corner of the world where people don't even own homes, much less understand about taxes and escrows. They can't even get the subject property address correct! There needs to be a complete forensic audit of my escrow account and my payment adjusted correctly!
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the accounts I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing continues to report that I owe on 2 separate accounts. One being XXXX  for {$1700.00} acct # XXXX and the other XXXX {$1000.00} Acct # XXXX. These accounts are over 7 years old and should have fallen completely off all my credit reports. I have submitted disputes to Convergent Outsourcing at least 3 times during this past year to no avail. My last certified letter to them was in XXXX & XX/XX/2022. They still refuse to remove. 

Could you please help me with this situation? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I need the CFPB to take a second look at this clear fraud. 

XXXX RESPONSE FROM XXXX They are now saying that the maturity date listed on all of my documents as XXXX is now a draw period date and that we did not make consistent payments from XXXX to XXXX, yet there is no credit reporting of delinquency on any of our credit reports. How could we go from XXXX to XXXX with no payments and then from XXXX to XXXX make consistent payments according to their documentation and still owe {$5200.00} dollars. So for 16 years according to them we did make consistent payments, lets do the math : 16 years ( 192 months ) times {$200.00} payment equals {$38000.00}. Under no circumstances could we have not paid off this loan. This is insane that they are allowed to continue to do this to people. Who is not looking at this fraud and not seeing fraud?
Consumer complaint received 2022-06-06
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: SYNCHRONY FINANCIAL (OH)

most of my credits cards, have put in disputes. they are not resoled to my satisfaction or are ignored. this is been going on for five months talking to the company 's Please help XXXX XXXX