davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (TX)

Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (WA)

I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. 
She was not able to win and we had to come to a settlement with the other company.
Consumer complaint received 2023-09-23
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. (CA)

new recent late night inquiry alerted on my credit report. 
Experian report showing a XXXX XXXX  XXXX XXXX. 
XXXX and XXXX identity theft filings have already been submitted. 
All need to be removed. provided proof of identity in previous submittal. 
still trying to correct the damage. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (IN)

I signed and executed a modification agreement. During the modification agreement term, my mortgage servicer changed ( XXXX XXXX. to Caliber Mort. The new mortgage servicer ( Caliber Mort. ) took an amount that was to be put on the back end of my mortgage as a current obligation. When I advised of the prior servicers agreement ( XXXX XXXX. ), the new servicer ( Caliber Mort. ) refused to remove the amount as a current obligation and return it to the back end of the mortgage. The new mortgage servicer ( Caliber Mort. ) kept the amount as a current obligation incuring late charges and then sought to foreclose on my property.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. XXXX XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX. 

Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused. 

Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (CA)

In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.
Consumer complaint received 2016-07-14
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

On XXXX/XXXX/XXXX I pulled a credit report for personal verification. I disputed some inaccuracies. All were resolved except XXXX regarding XXXX XXXX XXXX. The account was opened in XXXX with 72 month term. My report at the time noted the account closed WITHOUT a reposession on it. I had a repossession on XXXX XXXX with this account. 
I requested this report/debtor be removed from my report as the account and reporting was over 7 years old. The response I received back after this dispute, on XXXX/XXXX/XXXX from Experian, was a notation of a repossession being made on XXXX XXXX. I immediately called them and disputed this information as being completely inaccurate. I requested it be updated and preferably the entire debt removed from my report. I contacted Loss/prevention at XXXX XXXX XXXX. The representative ( XXXX ) advised me that they have not reported on this account since XXXX and no notes are shown of them responding to the original dispute. She sent me a letter with the correct dates ( XXXX ) of the repossession and a notation that they are not even reporting this issue with the credit bureaus. I forwarded this letter to Experian. I received a response back on XXXX/XXXX/XXXX with no changes to this report. 

Experian is not performing their due diligence in accurately reporting this debt. They are not responding appropriately to documentation sent to them. Furthermore, they are disregarding federal law by noting inaccurate New information on a debt that is over 7 years old. 

I would prefer to have this debt completely removed from my report. If this is unacceptable or unobtainable at this time, at a minimum, I want the report to accurately reflect the correct date/time of the repossession.
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Hello Portfolio Recovery, Cease and Desist all contact by phone. 

I've already asked you to cease and desist from calling XXXX and you called again XXXX. 

This alleged debt was satisfied years ago via garnishment please see attached court documents. 

You can contact the UT courts directly and request documentation, I have provided the case number located on the court document. 

Consider this a formal dispute. Only reply to me from this point on, in writing. 

Thank you, XXXX XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (DC)

We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MD)

I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (VA)

We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (GA)

Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 
THIS INCLUDES XXXX AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, XXXX and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fait credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX