davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I do not know if previous submission worked. Equifax is saying my communications are frivolous now. I have XXXX types of items that are still showing despite XXXX disputes of them including documentation ( attached ). 
1 ) Tax Lein Release withdrawal, serial # XXXX, IRS form XXXX. This states the IRS is withdrawing reporting of this lien. I just phoned them, and they told me to submit the attached form ; however, I have done that, on at least XXXX occasions. XXXX XXXX and XXXX have both removed the tax leins ; it is only EQUIFAX who has deemed this irrelevant and frivolous. 
2 ) Judgements : There are XXXX judgements listed in error. Both XXXX and XXXX have removed them, Equifax is saying my requests are frivolous, told me to get hold of the courthouse and attorney, I did, and they can find no record of them. Equifax has not done their job by actually calling the courthouse and/or attorney. XXXX and XXXX have deleted these items. 
I am XXXX, XXXX, and do not have much money. I can not get credit, which I need, and have trouble renting. Please help. 
XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

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 : COLLECTION : Repossession XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MI)

I was using my Apple Card to take advantage of the 3 % cash back they offer for buying from Apple, my mom needed to buy gifts for her nieces and nephews and she told me if I can go to Apple and buy them new phones so said I can so I went to Apple and bought them new phones she gave me the money i put it on my credit card so i can take advantage of the cash back and I paid the moment as soon as it posted, I wake up Monday morning 2 days after this happened I get a email Your Apple Card account has been closed as of XX/XX/year> and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement. 

Called them and tried talking to them and even spoke with a supervisor and explained everything and they told me theres nothing they can do if its closed its closed they can close your card for no reason.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (PA)

My husband and I applied jointly for a Discover card. When the card came it was only a card for him when I called discover to see where my card was they said that I was n't on the account. The same week my unwed daughter applied for one an was denied, they wanted her to apply jointly with someone. My son also applied, he is in debt up to his eyeballs with school loans, was approved an sent a card. I feel that my daughter and I was discriminated against because we are female. Since the XXXX males in the house received credit cards. My daughter an I both have good credit ; mine is actually better than my husband 's.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Consumer complaint received 2016-02-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

This is a complaint about Regions Bank and a warning to everyone out there about this banks on-going promotional frauds and consumer abuse. They advertise numerous promotional bonus offers to consumers to open a new bank or credit card account - offers which specifically offer dollars bonuses ( {$100.00} ) - but BEWARE - after you sign up - getting the actual bonus will be an outrageous hassle. This bank appears to have an organized scheme to delay and deny ACTUAL PAYMENT OF THE BONUSES by stalling hassling and denying consumers under the guise of " confirming '' or verifying '' whatever comes to mind to frustrate the attempt to collect the bonus. Even letters to the president and CEO wo n't work. All you will get is more hassles. This bank is crooked in this regard so I would advise anyone and everyone to avoid opening ANY accounts with them. I am making Consumer Protection complaints and publishing notices everywhere in an effort to combat Consumer Fraud and Abuse by Regions bank.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX, account number # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (DC)

I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MN)

Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corporation may have inaccurately reported information related to my account, which Ive disputed. Im requested that they provide accurate documentation to clarify these discrepancies. 
Additionally, the car was taken from an impound lot and subsequently sold at auction without proper reporting to credit bureaus, which could be a violation of regulations requiring them to report such actions accurately. It's important to document all communications and consider consulting a consumer protection attorney or a credit reporting agency to address these concerns effectively.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon recently checking my credit report. I noticed many account ( XXXX ) to which do not belong to me. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! YOU ARE IN NONCOMPLIANCE WITH THE PRIVACY OF CONSUMER FINANCIAL INFORMATION RULE OF THE GRAMM LEACH BLILEY ACT FOR SHARING MY NONPUBLIC PERSONAL INFORMATION TO THIRD PARTIES AND NOT PROVIDING ME A NOTICE THAT COMPLIES WITH SECTION 6803 AND GIVING ME THE OPPORTUNITY TO OPT OUT PURSUANT TO 15 USC 6802. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (MD)

I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank?
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have never had any dealings with this property and am not responsible for any debts, leases, or other obligations associated with it. This incident has caused significant distress, and I am taking steps to rectify the situation, including disputing the fraudulent account with the relevant parties and credit bureaus.I request that this fraudulent lease be thoroughly investigated and that any records or credit reports related to this incident be corrected immediately. 
( Account number for XXXX is, XXXX XXXX XXXX XXXX ) ( Accout number for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, Transunion XXXX XXXX XXXX XXXX XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX BAY AREA CREDIT SERV XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX ( XXXX ) XXXX Subject : Debt Validation Request To whom it may concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is allegedly owed. 
A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 
A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 
Proof of your authorization to collect on this debt. 
I request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. I also would like to note the inconsistencies on the above account as it points out on one bureau the last date of activity was XXXX XXXX. But is reflecting XXXX XXXX on the other bureaus report. 
Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 
Please send all correspondence regarding this matter to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three XXXX XXXX, Experian, and XXXX.