davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have been in contact with XXXX about this situation multiple times and nothing has been done. That is against the law as well. To tell a credit reporting agency that this item doesn't belong on your consumer report and it actually doesn't, but they company refuses to remove- is a crime. 
15 USC XXXX XXXX subsection 1681c states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The record for Credit Acceptance antedates 7 years as it became delinquent in XXXX of XXXX XXXXXXXX refuses to remove this from my report.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX 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
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I traveled to XXXX, XXXX XX/XX/year>. On this day, I drove my XXXX rental to gas station. They are full service only there. The gas attendant asked for payment, He swiped my card and said it did not work. He requested cash payment. I paid the small amount, approximately XXXX  dollars US. The next day we flew home and I noticed a charge for XXXX from clipmex. This was not a charge I authorized, and it was not a charge for any service or goods. I immediately contacted Citi credit card to report and they sent me a new card. For 5 mos I have been trying to clear this up and have credit card company credit back my account. They have denied my claim 3 times. They are now saying I need to show proof of a receipt to prove I did not make the purchase. This makes no sense. They also said vendor responded and said services were delivered for the XXXX. I have no receipt from the merchant specifically stating what this purchase was for. 

This is a very clear and common scam performed in XXXX. Gas station swipes card, says it does not work, accepts cash, then charges large amount of money. It cant be classified as fraud since I gave merchant credit card. In addition I was told card didnt work, so I have no receipt, which makes a credit dispute difficult to fight. 

Citibank billing dispute told me I should be more responsible and I should contact my local police for resolution. 

This was obvious theft and fraud and credit card company is stonewalling and gaslighting.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (NV)

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # : XXXX Phone : XXXX Fax : XXXX XX/XX/year> Written letter sent to my place of employment that included all of my personal information and debt/financial information. I have been in contact with this agency specifying under no circumstances am I to be contacted at my placed of work, and my information shared that is personal-private and it is inappropriate and violating-demoralizing. They have been contacted to only send mail to my personal certified address.
Consumer complaint received 2024-08-08
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears has not followed the correct procedures for validating a debt. I believe but can not verify that they are attempting to collect for an alleged dentist bill that was supposed to be paid by my insurance. The dentist office may have improperly billed my insurance. The dentist office told me they were working on correcting the account and then ironically HP Sears shows up on my credit. I contacted them and they would not validate that it is the dentist bill. I have requested a detailed accounting of the bill but they will not give it to me. Since they refuse to validate the debt they can not report it until I can see what it is for. IF IT IS for the dentist my insurance was supposed to be billed.
Consumer complaint received 2024-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Report Entries Due to Data Breach Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against National Credit Systems for their failure to address fraudulent entries on my credit report following a data breach that exposed my personal information. 

Summary of the Issue : On XX/XX/year>, I was notified that my personal information was compromised due to a data breach. As a result, fraudulent accounts and unauthorized inquiries appeared on my credit report from XXXX XXXX XXXX I exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by disputing these inaccurate entries with the credit bureau ( s ) on XXXX. However, despite providing all necessary documentation, including a breach notification and proof of identity, the disputed items have not been removed or corrected. 


Relevant Laws : As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which requires that
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (MI)

The first issue comes with the escrow account. There was an issue with my taxes to start this year that created a shortage. I have since fixed the issue with the township and it took a couple months for Amerihome to figure out what they were doing wrong on the analysis to XXXX XXXX that I had to search online my public tax records and send it to them in order to get my mortgage payment fixed. I just received an email again that my taxes are doubling which mirrors the issue that we resolved in XXXX this year. If the issue is not fixed by XXXX, then I will again be paying over {$600.00} into my escrow account that does not need to be there. I should not have to worry about this every 6 months, the level of professionalism from Amerihome has been less than ideal. 

The second issue I continue to battle is the negligent appraisal. I paid to have an appraisal done to remove the PMI on my house. It came back way below market and the XXXX changed my house from a XXXX bedroom ( which was what was on the appraisal to get the loan ) due to him not liking the room size even though it had a closet and ample space to be a bedroom. He stated in his report that french doors were not akin to a bedroom. He defended this by saying it has no additional market value being a XXXX bedroom home so calling it a XXXX bedroom had no bearing on the appraisal. I also learned that he was using homes farther out that were of less value than homes closer and alike to my house which was driving down the price of my home to keep the PMI on my loan. In XXXX a house on XXXX XXXX and slightly smaller sold for $ XXXX more than what they appraised my house for which strengthened my case that my house should have appraised for more. I have put over $ XXXX into my house that includes a new room, new flooring throughout, new windows throughout, along with having a piece of lake front property that is included in the loan and deeded to the house. The appraisal stating that my house has only appreciated from XXXX to XXXX from XX/XX/XXXX to XXXX of XXXX does not follow any of the market logic, especially with the amount of money put into the home.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested validation from collection agency reporting account and never received any. Sent paperwork to bureau, including certified receipt showing I sent request and bureau claims they verified account. Requested means of verification method from bureau and also received no response besides " account has been verified ''.
Consumer complaint received 2018-10-04
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: Experian Information Solutions Inc. (MN)

Experian claim that they verify a bankruptcy on my report. they did not i sent multiple letters and you guys didn't tell me where you received the information from like i ask you just sent back verified. I also called and spoke with someone and i ask the same question where did you received the information from and the lady told me they went down to the courts to get the info which was a lie. my next step is to file a court proceeding on this and sue you guys for false information if this is not removed from my credit report in the next 30 days.
Consumer complaint received 2018-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MA)

The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (CA)

I am writing to file a complaint about how IQ Data is handling my debt. They are trying to collect {$6400.00} from an old lease agreement, but I believe their methods are unfair and possibly illegal. 

Every time I talk to them, they ask me personal questions that seem unnecessary, like how much money I have in my bank account, how much cash I have, if I have credit cards and if so how much are the credit lines, if family members can lend me money. After getting this information, they use it to push me into making payments. If I refuse, they say things like, " You have this amount in your bank account, so you need to pay us that. '' " You can use your credit cards to pay the balance. '' This makes me feel pressured and uncomfortable. 

Ive tried to negotiate a settlement with them, but they either demand random amounts or refuse to ask their client about my offers. Once, I mentioned that the money I wanted to use for the settlement was a loan from my father, and the agent said they needed to talk to my dad to get more money, which I think is inappropriate and against privacy laws. 

They have also offered to delete the debt from my credit report if I pay in full, which I understand is called " pay-for-deletion '' and is not allowed by law. This feels wrong to me specially because they use is as weapon saying that " nobody would rent me a property if I have the debt even paid in my credit report ''. 

The company hasnt given me important disclosures they are supposed to provide, like telling me about my rights when I talk to them XXXX XXXX XXXX. Recently, I found out the debt is over five years old, which means its past the time they can legally sue me in California, it is my understanding they have to disclose the debt is too old to sue, but they didnt tell me this and have even threatened to sue. 

Ive asked for an itemized statement or proof of the debt, but they refused, saying the time to request that information has passed, which doesnt seem fair. I want to know how they calculated the amount theyre trying to collect, but they havent been willing to explain.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

MOHELA transferred all loans to a new platform recently and lost everyones history of payments. In the payment history tab, all payments before the transfer are missing. People have reached out to MOHELA about this and they keep saying they will post them after the transition but the timeline they gave was XX/XX/year> and it is now XXXX. I was enrolled in the auto payment plan on the previous portal and was assured it would carry over. When it didnt, I re-enrolled and got email confirmation that it was received. Two months later, I get an email that I am late on payments and my interest has now collected more money because they didnt use my auto-payment. Calling them takes hours to get a representative. Just a total mess of a loan servicer.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

Nature of Complaint : Failure to provide loan payment history, resulting in potential loss of benefits. 

Complaint Details : I am writing to file a complaint against Mohela Servicing for their failure to provide me with my complete loan payment history, which is preventing me from accessing the Department of Veterans Affairs ( VA ) Education Debt Reduction Program ( EDRP ). This program has a time-sensitive requirement to submit a full year of payment history, and Mohela 's lack of responsiveness is jeopardizing my eligibility.

Prior to the recent platform change from Mohela to studentaid.gov, I made nine months of on-time payments. This crucial payment history is not available on the Mohela web portal or studentaid.gov, and Mohela has been unable to provide this information despite repeated requests. 

Since XX/XX/XXXX, I have contacted Mohela daily to request a copy of my complete payment history. Each time, I have been placed on hold for excessive periods, only to be told by supervisors that my request would be fulfilled " within XXXX business days. '' It has now been 10 business days, and I still have not received the necessary documentation or confirmation that this request is being processed. 

I have spent over XXXX hours on hold with Mohela representatives in the past XXXX weeks, with no resolution. This unacceptable delay and lack of communication is hindering my ability to access valuable benefits through the EDRP.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

Consumer Name : XXXX XXXX Consumer SSN:XXXX Consumer DOB : XX/XX/ I am writing to file a formal complaint against Lexis NexisXXXX XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident XXXX. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. XXXX. Date of Discovery : XXXX XXXX  XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with Lexis Nexis, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. 

Issues Experienced XXXX. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry. 
XXXX. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.