davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}. 

That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month. 
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts. 

The debt mentioned in the letter from Convergent is obviously, and completely, false.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (TX)

My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in XXXX 2014. In XXXX 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rather than pass due payments, which resulted in partial payments being applied and further delinquency ( we were totally lost and confused at this point ). From XXXX to XXXX several collection reps gave us different amonuts we needed to pay in order to become eligible for a XXXX month payment deferment. Each XXXX stating, '' Just pay this amount and we 'll get you deferred ''. Well after complying XXXX times, XXXX months and getting nowhere, we escalated to a supervisor in early XXXX. She apologized assured us that everything was okay and to make a {$420.00} payment through XXXX to stop the repossession status, call back immediately with the reference number and she would setup a XXXX month deferment to get us caught up. We went to the closest XXXX station inside our local XXXX immediately, made the payment and called back. Once again assured that everything was fine. We proceeded to get some things in XXXX and when we came out to get in the car, it was gone. We tried for months to get some help. The once courteous and optimistic Supervisor would not return our calls and no one would help us. We just received a collection notice advising that the vehicle was sold for XXXX and we owe them XXXX in remaining balance/fees. This company strung us along for several months and used unfair collection practices, like agreeing to false deferment options, to only collect payments and pinpoint our location to reposess our vehicle. As such, we would like to file a formal complaint against this finance company. This experience has been very stressful and put us in a very difficult situation. My husband did find work, but struggles everyday to get there. Please help us! 

Thanks
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNIONIS PREVENTING ME FROM BUTING A HOME/ AS YOU WILL SEE FROM THE ATTACHED DOCUMENTATION XXXX HAS UPDATED MY FILE WITH THE DELETED ACCOUNT IN ADDIITION TO MY NUMEROUS REQUEST TO HAVE XXXX DELETED. 
According to the information given to us by your firm, the date of last activity by the ORIGINAL CREDITOR WAS IS NOT LISTED ON MY CREDIT REPORT ONLY THE DATE OF YOU PURCHASING THE DEBT. The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 10TH REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 10TH REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 10TH REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 10TH REQUEST ) Name and address of alleged creditor. ( 10TH REQUEST ) Name on file of alleged debtor. ( 10TH REQUEST ) Alleged account number. ( 10TH REQUEST ) Address on file for alleged debtor. ( 10TH REQUEST ) Amount of alleged debt. ( 10TH REQUEST ) Date this alleged debt became payable. ( 10TH REQUEST ) Date of original charge off or delinquency. ( 10TH REQUEST ) Verification that this debt was assigned or sold to collector. ( 10TH REQUEST ) Complete accounting of alleged debt. ( 10TH REQUEST ) Commission for debt collector if collection efforts are successful. ( 10TH REQUEST ) Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. ( 10TH REQUEST )
Consumer complaint received 2016-12-19
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OR)

I have not received my debit card or checks for my Health Savings Account ( HSA ) from the financial institution, Webster Bank. I 've made XXXX calls to Webster Bank customer service at XXXX confirming my correct mailing address each time and requesting resolution. Still no card. My office called and no resolution. ( I 'm receiving monthly HSA account statements from Webster Bank and all other mail at same address. ) I have a locked mailbox, and have checked with my apartment 's main office, which confirmed they 've received nothing for me from Webster Bank. Contact log with Webster Bank customer service : XXXX/XXXX/2016 : Debit card supposedly mailed XXXX/XXXX/2016. Never received. Confirmed mailing address on file as correct. 
XXXX/XXXX/2016 : Debit card reordered. I was told it would arrive XXXX to 14 business days. Confirmed again my correct mailing address. 
XXXX/XXXX/2016 : I was told debit card was mailed on XXXX/XXXX/2016. Confirmed a third time my correct mailing address. 
XXXX/XXXX/2016 : I was told checks in lieu of debit card would be sent overnight to my correct address. Never received. 
XXXX/XXXX/2016 : My office benefits manager called Webster Bank 's business customer service line and was told nothing further could be done. 
Meanwhile, my prescriptions have all run out, and I have health provider balances I ca n't pay because Webster Bank ca n't seem to provide basic banking services.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Can you please remove inquiries from XX/XX/XXXX to XX/XX/XXXX. I 'm experiencing and issue with someone using my SSN. This was determined by a credit monitoring services, and I 'm also filing a police report.
Consumer complaint received 2016-06-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, XXXX FOR MYSELF ( XXXX ) AND TRANSUNION FOR MY WIFE ( XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, TRANSUNION CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT ONE BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (CA)

I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OR)

XX/XX/XXXX, I applied to FedLoan for an income driven repayment plan, and was put on one. I made XXXX payments, and then my plan was canceled. I do n't know why it was canceled abruptly. FedLoan placed me on a standard repayment plan, and I am unable to make those high payments. I contacted them through their website and explained that I was on an IDR and to please send me the application so I can get back on one so I can make payments. I never received a response to that request, or to the following XXXX requests for an application and my statement to them that I work part-time and can not make those payments. They have harassed me every month for payment. 
XX/XX/XXXX, they billed me for over {$1300.00}. On XX/XX/XXXX, I called and talked to someone who emailed me the IDR form which I completed and promptly mailed to them. I received an email on XX/XX/XXXX acknowledging receipt of my application for an IDR. On XX/XX/XXXX, I received four letters from FedLoan in my paperless inbox in their website that make my head spin. One says that I requested to be removed from my IDR and put on a standard repayment plan. I did not make this request. Another says they put me on an administrative forbearance. Another letter says that my IDR will start in XX/XX/XXXX and my monthly payments for the next year will be {$11.00} which I can make. However, they are dunning me for payments under the standard repayment plan that I did not request! Why would I request that repayment plan if I ca n't make the payments? I have the application where I requested an IDR, and the letter I sent with it asking them to please place me back on an IDR so I can make monthly payments. 
Please help me as they are jacking me around so much! My payment is almost two months overdue, and they are calling and sending emails constantly wanting {$600.00} and change, and now they want over {$1300.00} again. All I have ever requested from this company is an IDR with the lowest repayment amount so I can make payments. 
I have all the documents and screenshots if needed.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I faxed in a copy of my Identity Theft Packet and Police Report to TransUnion along with a letter indicating that I was a victim of identity theft. I requested that TransUnion block the fraudulent accounts reporting on my credit report and identified in the police report in compliance with the Fair Credit Reporting Act to report only accurate information and Section 605B to block fraudulent accounts from reporting in error. TransUnion willfully refuses to comply with federal law and sent me a letter indicating that they will " investigate '' the accounts and only remove them if the fraudulent creditors instruct them to do so. TransUnion willfully choses to cause me great harm by continuing to report fraudulent accounts despite receiving documention that the accounts are fraudulent. TransUnion willfully continues to cause me intentional emotional distress by ignoring federal law and upholding the reporting of inaccurate and fraudulent information on my personal credit profile.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had no credit inquiry 's on my trans union report before XXXX 2016, i applied for a credit cars and was denied do the fact TO MANY INQUIRY 'S on my report. I did find out that TRANS UNION had a cliche in their system and as of XX/XX/2016 all XXXX inquirys where back on my report. I called and they told me nothing they can do. I called apx 5xs and NOBODY would transfer me to an AMERICAN SUPERVISOR ... still till this day i cant get someone to help me.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They did not resolve my dispute. 
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.