davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modern Adjustment Bureau (CA)

I am reporting a collection agency that appears to my credit report that has violated my rights and posted a debt that does not belong to me. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about this debt that appeared and is harming my report. A debt collector is not allowed to harass me. They are calling me 2 years now for a debt that I have absolutely no knowledge for. They misrepresent themselves and they never disclose their actual names. They are trying to collect sensitive info and basically and foremost they are calling me to my business line creating a hardship to my work. No data is validating the alleged debt. When this collection agency opened this account they had no license to conduct business in the state of XXXX. They are licensed since XX/XX/XXXX. They are harassing me 2 years now and the XXXX report that is attached it states that they have the account since XX/XX/XXXX. Additionally their reviews show exactly that they are causing extreme problems to other consumers not liable for the debts that Modern Adjustment Bureau claims. The problem is that this debt collector posted this frigolus and bogus debt to 2 reporting agencies. Using unfair, deceptive, and abusive acts or practices against me while at the same time when this harassment started were not even licensed to even be seeking to satisfy a debt that does not belong to me is against State and Federal laws protecting consumers, In XXXX and XXXX this agency is listed with different addresses. No data is available as far as this debt. They asked my personal info so many times. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in XXXX. Please kindly assist me to remove this fraudulent collection agency. Thank you in advance XXXX
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PR)

I voluntarily turned in a pick up to   XXXX   XXXX   due to health problems  (  back problems ). The loan was up to date and the unit was sold leaving a remaining balance. The remaining balance was payed off as requested by the lender. My action was voluntary and accepted at all times. As you can see the payments were  XXXX .
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the inaccurate information listed on my credit report for the account with XXXX XXXX ( Account XXXX : XXXX ). In accordance with 15 U.S. Code 1681i ( 5 ), I am requesting the immediate deletion or update of the incorrect credit data regarding this account.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Had a mortgage through Pennymac. Long story short... I went through a very XXXX divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with XXXX and Pennymac - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my XXXX credit report. XXXX is the only bureau still reporting this and Pennymac is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want Pennymac XXXX XXXX to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-10-29
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION (PA)

In the summer of XX/XX/year>, I was struggling to find a way to secure funds for school. My dads Ex-Wife, XXXX XXXX XXXX, opened a loan with me, XXXX XXXX as the borrower and my grandmother, XXXX XXXX as the co-signer. Neither XXXX or I consented to having this loan taken out. I had attended school under the assumption my grandmother took out a loan by herself for me, and found out during my freshman year at XXXX XXXX University during the months of XXXX and XXXX.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Acceptance Solutions Group, INC (MO)

I had to do a stop payment on the first installment loan due to no money in my account. The second time the company withdrew money from my account they charged it to my debit card. I did not know or discuss with them my debit card would be used. They said this was in the contract I signed. At this time I stated I did not authorize them to withdraw funds from my account in the future. They argued with me and barely let me get a word in. I told them I would pay via check or money order, they told me this was not an allowed form of payment I stated I would get a prepaid credit card because I do not like charges to my debit card without my prior approval. They stated in order to say they are not authorized to withdraw funds from my account I had to send them a notice in writing before my next due date. I stated that I would be sure that was taken care of but my bank had told me I could verbally do it also. The " supervisor '' I spoke to told me by my next due date I needed to have a letter to them stating this and a card number for how I was going to make future payments. 

Not even 30 minutes later I went to my bank to withdraw money and it stated I had insufficient funds, when I pulled up my online banking information I realized they had withdrew the entire amount left on my loan after I had verbally told them I did not authorize withdraw to my account and they had stated I had until my next due date to give them notice in writing and give them other payment arrangements. Due to the fact it is a VISA debit my bank states they can not decline the charge. If I file fraud through my bank it will take 6-10 days to determine and my account will keep going further in the hole with overdraft charges or returned check charges.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE (FL)

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have been trying to refinance my mortgage but due to how my student loans are being reported to the credit bureaus I was not able to get approved. The loans are being reported with an original credit limit amount, however the balance has grown much higher to the original amount due to interest being capitalized during my deferment. It appears to my credit report that I have exceeded my credit limit which negatively impacts my credit score to be approved for refinance.
Consumer complaint received 2024-10-11
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 (OH)

New services was asked to provide a payment plan so that I could secure housing since debt/income and negative credit did not reflect applied for IBR and amount currently due. Letter generated reflected a payment plan and payment made but negative credit was still reported. New letter requested and statement showing payment was made but there was no statement made available and letter was requested but never received. After checking back for the letter supervisor stated that they could not send a letter as they had in the past when the account was new but they added additional charges and reporting made it look like there were two accounts. They said they could not correct it and supervisor did not tell me who I would make a complaint to so I had to research this in my own and it is how I am here
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXXXXXX XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation XXXX XXXX and XXXX and possibly XXXX very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2023-07-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

After graduating I had family issues and was n't able to start paying on my loans. Then I had XXXX and was out of work. I was told to go in forbearance every time I could n't afford to pay and after my forbearance ran out I was told to defer my loans. However, no one ever asked if I could afford to pay something that I was able to at that time. I now have all of this accrued interest which is insane. I get another call from Navient telling me my loan is past due. NOW they are willing to do an IDR?????
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (IL)

I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.