davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

On XXXX Cavalry SPV I , LLC contacted me via email attempting to collect a unverified debt that they purchased from XXXX XXXX. Opening an account bearing account number XXXX XXXX XXXX XXXXXX/XX/XXXX with collection amount {$4100.00}. As i dont know or have a contract with Calvary Portfolio Serv or Cavalry SPV I , LLC . This company has violated 15 U.S.C. 1692e by sending confusing and misleading collection notices, including deceptive payment plans that do not clearly state my rights or the amount owed.

Their actions also constitute violations of 15 U.S.C. 1692g, which requires debt collectors to provide clear and accurate information regarding the debt, including the amount owed and the name of the creditor.

Fair Credit Reporting Act ( FCRA ) : Cavalry SPV I , LLC are in violation of 15 U.S.C. 1681s-2 ( b ), as you failed to investigate my dispute regarding the accuracy of the reported debt after I notified you, thereby harming my creditworthiness.

Cavalry SPV I , LLC have also violated 15 U.S.C. 1681i, which mandates that furnishers of information, conduct a reasonable investigation of the disputed information. Cavalry SPV I , LLC reporting of this debt as valid, is unlawful and constitutes negligent reporting under the FCRA.

Furthermore, Cavalry SPV I, LLCare liable under 15 U.S.C. 1681n for willfully noncompliance with the FCRA, which provides consumers with the right to sue for damages, including punitive damages for knowing violations.

Illinois Consumer Fraud and Deceptive Business Practices Act : Cavalry SPV I , LLC practices violate the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 ) by engaging in misleading conduct and false representations regarding the debt in question.

Cavalry SPV I , LLC actions are deceptive and intended to mislead me into paying a debt that may not be valid.

Unauthorized Transfer of Personal Information : Cavalry SPV I , LLC actions in obtaining and utilizing my personal information without my consent constitute a violation of my privacy rights and are further compounded by the Privacy Act of 1974, which safeguards against unauthorized disclosures of personal data.

Trade Restraints : Furthermore, your conduct constitutes a violation of 15 U.S.C. 1 related to illegal trade restraints, as your misleading collection practices can potentially create unfair competition in the marketplace.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2016-05-03
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JNR Adjustment Company, Inc (NY)

I 'm a victim of identity theft and someone open up account in my name they even rented a car in my name and now it 's on my credit report. JNR Adjustment, it was removed from my XXXX report but not from XXXX report
Consumer complaint received 2016-04-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Schrier, Tolin and Wagman, LLC (PA)

I am a PA Resident and I received a warrant in debt/law suit notice that was filed in the state of Virginia, XXXX XXXX XXXX XXXX from the debt lawfirm Schrier Tolin & Wagman LLC for a credit card debt from creditor XXXX XXXX XXXX XXXX. 

I believe that I was sued in the wrongful jurisdiction as I applied for the card in PA ( via the internet ) and never resided in Virginia at the time that the card application was filled or signed. I have been extremely and negatively stressed and impacted by the magnitude of being sued out of my resident state, potential incurred costs for out of state legal representation and having to prepare to miss work to be present for an out of state lawsuit which are all things that could exacerbate my current financial situation and put me into serious financial duress.
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Since XX/XX/XXXX, we have been paying {$1900.00} every month -- have not skipped a month. Then XX/XX/XXXX, Nelnet says there is accrued interest through XX/XX/XXXX of {$26000.00} added to our loan -- between interest during Covid and this new accrued interest we went from owing around {$200000.00} -- to now owing around {$270000.00}. We will never be able to pay this loan off--
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

The company didn't respond. They just updated my credit file with correct dates. This debt is over seven and no activity on it in over seven years. This company did to provide proof of what they are reporting. Cancel check or proof of credit card payment. They have nothing to support what they are reporting. This debt is causing me extreme financial hardship.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (AL)

From the previous complaint I was contacted by office board over local Finance located in XXXX yesterday she was explaining to me the same thing like before yes I did say in my previous complaint that I Will try to get a payment in on XX/XX/XXXX but it didn't came in till later on that day around XXXX. So I told them once again I get paid again XX/XX/XXXX but around XXXX so XX/XX/XXXX I would make that {$90.00} payment, she said like local Finance did they couldn't hold it so I said again garnish my wages at this point because I'm tired of y'all calling me back and my references as well about this issue. I was told before they handed it over to these new people that I will pay that this Friday she asked me if I was able to find someone yesterday who's willing to help I said yes but that person don't get paid till this Friday. If they willing to work with me on this issue let me make payments for the next day or simply take it out my check because I'm tired of this explaining it over and over again.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (LA)

I financed XXXX through Wells Fargo Financial National Bank ( Wells Fargo Health Advantage ) in XX/XX/XXXX for {$6700.00} which would remain interest free as long as paid off by XX/XX/XXXX. Well, due to health issues with hefty medical bills, I failed to pay it off on time so the interest started building. I notified Wells Fargo of the hardship my family was facing and asked if there was some type of hardship payment plan or anything they could do to give me some time. I was told that Wells Fargo does n't offer anything like that ... that I needed to get in touch with a debt relief company and see how they could help me, which I did! I was facing the probability of XXXX ( which was only XXXX-to my parrot ) and my husband, who is a small business owner, had just had a XXXX-the XXXX, and survived. He was not a XXXX so ... .. Anyway, I could n't qualify for a loan, but after explaining my situation, they offered me a high balance, low interest, credit card that would cover most of the debt. I was ecstatic! However, after calling WF back, they laughed at me telling me I was crazy for thinking they would accept a credit card. I told them I did as I was told and this is what was offered. I asked her to have her supervisor call me ASAP. After never receiving a return call, I entered an online message for a follow up call. I believe XXXX called and said he 'd see what he could do. Again, no return call so I consolidated my higher interest accounts to this card. I have received letters saying my account is closed and has been charged off. Now I am being told my balance is due in full! And it 's from Wells Fargo. That makes no sense! The letters now state they offer budget friendly payments after they 've tacked on multiple interest charges and fees. I was told WF did n't do this when I needed it ... when I could afford it. I 've paid a total of approximately {$7100.00} which pays for the XXXX. All I 'll be paying on is interest and fees of which I now owe {$4700.00}. Ridiculous. I know I owe interest ; however, why could n't they stop the late fees when they knew I needed help? It just makes me so angry that I worked so hard to keep on track with my payments, calling WF, keeping them up to date, securing a payment method, and for what? I have a letter to mail to them. Do n't know whether I should?!
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Equitable Acceptance Corp (TX)

I contacted XXXX XX/XX/XXXX because I wanted to get my student loans situated and take part in the Student loan forgiveness program. I called and spoke with XXXX. I told him my situation and what I was wanting to do. He said they would help me get my loans consolidated and start the repayment plan. They went into my XXXX acct and setup a username id and had stuff sent to an email address that is not associated with me. I found all the out because I received a bill from XXXX stating I owed {$930.00} by XX/XX/XXXX. After contacting Fedloan I found out that everything they said they would do was not done. They were supposed to submit my forms so that I could be put on Student Loan forgiveness plan they did not. I have been paying them a monthly fee of {$39.00} since XX/XX/XXXX and for nothing.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Equifax mishandled my information, which puts me and 143 million other people at risk. I am potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Upon reviewing my consumer report, I discovered a late payment on my XXXX XXXX account with the number XXXX. 

I have a flawless record of making timely payments and demand an immediate investigation regarding the accuracy of these reported late payments. 

I expect to receive documented proof of these alleged late payments. If no concrete evidence is provided, I assertively demand that my report be corrected promptly. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have disputed and asked transunion credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and the credit bureau is refusing to provide validation, i need this fix asap. pls help me. thank you.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (DE)

After I have provided documentation and repeated request to furnish me with documentation of verification of signatures on contracts or paperwork, the credit bureau has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed, and that they did not provide me with my contracts with my signature, they are required to promptly delete, under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX a ) ( XXXX ).
Consumer complaint received 2016-04-02
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Money Management International, Inc. (WA)

We went through a HARP program that insisted as part of the process we sign up with a finical counseling agency to help consolidate and lower interest rates on credit cards. We did so and paid a monthly fee and they did not pay the money to the credit card accounts as promised. They deducted the money on time but did not pay the creditors on time and we were forced to pay it ourselves and our credit went from XXXX to XXXX in a matter of months. They repeated told us that it was the creditors fault that they were the ones that changed the process. We have paid all but one on our own but this should not have occurred. The company has never attempted to make good or even contact us again. This was a forced issue by the bank. CCCS was their name, based out of Texas.
Consumer complaint received 2017-09-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CO)

My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC. 
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information. 
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (KS)

Experian has had a leak of personal information and I 've been included in the peak. Their irresponsibility will cause me to use my own time and money to protect myself and fix any problems with my credit history.
Consumer complaint received 2017-09-08
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. (MA)

According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal data.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.
Consumer complaint received 2017-09-08
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. (NC)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution to any current or future identity theft and investigation into the delay in notifying the public.
Consumer complaint received 2016-05-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of Lancaster County, Inc. (NJ)

I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!