davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

Aidvantage is my current servicer for my Student loans. However, I did not give them " Aidvantage " specific written permission to Furnish my information to any of the Consumer Crediting Agencies and they have allowed all three agencies access without my permission 15 USC 1681 ( b ) and my right to keep my personal and private information from such unlaw acts 20 USC 1232 ( g ) and 34 CFR part 99. I have been denied time and time again over a number of years the benefits of putting myself into a better financial position. There are 15 to 16 accounts but all are linked
Consumer complaint received 2024-08-16
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to XXXX XXXX. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE XXXX XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (FL)

I HAVE TRIED AND TRIED TO RESOLVE THIS XXXX XXXX ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for XXXX  and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these XXXX XXXX. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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: EQUIFAX, INC. (TX)

I recently looked at a copy of my credit report and i noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account XXXX asking you to verify is accurate : XXXX XXXX XXXX, Account number XXXX Open XX/XX/year>
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation (CA)

XXXX i took out a loan for a toy. family hardship came about and i had to have the bike reposesed. i was never served with any paperwork after the reposesotion. i was never served with any notice when the account was taken over by pacific credit exchange. Now its XXXX, almost 8 years later without notification my wages are being garnished and the original amount has been hit with massive amount of interest like 200 %. the account has been closed and cleared from all my credit reports and nothing in the mail, so i didn't have any idea this debt even existed till the garnishment went threw. Now i'm fighting the wage garnishment. Pacific credit exchange wont communicate with me. I've been called every disgraceful and nasty comment / name from their employees. XXXX and XXXX XXXX. The manager won't call me back. I feel this is unjust and should be reprimanded for this behavior against the debtor.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TX)

I'm alerting you to an issue with my credit file. There's a collection entry from your agency that I wasn't informed about before. I strongly question the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to debt validation. Please provide this validation and address this issue.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion closed complaint XXXX without resolving the issue. Instead of providing me the access to my online account that I requested, TransUnion has fraudulently taken it upon themselves to freeze my credit and delete my online account! The whole purpose of my first complaint was to gain access to my free account so I can review it myself and control who has access to my credit! I did not authorize TransUnion to delete my online account and freeze my credit!
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CO)

Collections entry of {$140.00} showed up on my credit report on XXXX  The only reason I found out about this was that my credit monitoring emailed me. The collections company, XXXX XXXX XXXX, never sent any mail about the debt. I called the collections company on XXXX, spoke to a person and attempted to verify the debt, which they could not because none of the personal information matched, and is the reason why I never received mail. They then stated that they will remove the debt from my credit report as it could not be validated. 

As of today, XXXX it has not been removed from my credit report. I waited until the new month to be sure that it was still on my credit report. I have experienced some minor harm from this because I was unable to apply for credit because of the derogatory entry.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Im not been able to access my XXXX credit report to follow up on disputes to check accuracy ever since the one of the data reaches recently. I cant seem to get logged in. Ive called him and called them. They just put me on hold transfer me around and then they tell me lies whenever I do talk to somebody Trying to get a vehicle and I keep getting denied because of my XXXX score being so low due to all the accuracy is really causing to be turmoil. XXXX is the same way experience is a little bit better but nonetheless theyre all still reporting an accurate information and theyve all had that preaches that my information has been leaked so Im at the mercy and Im in desperate dire need of accurate reporting Negligent
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Ive had a PayPal credit account for 7 months, used it for some auto repairs and other general stuff let a balance ride on it but paid minimum or more every month, the deferred interest hit and I was in a position to pay the full balance ( over XXXX XXXX  ) and they immediately closed my account hurting my credit picture I was trying to fix to get a home equity loan
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bridgecrest Acceptance Corporation (VA)

Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when XXXX shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after XXXX restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with credit one and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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 Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (GA)

On XX/XX/XXXX, I reached out to Concord Service LLC to confirm their account ownership saying i owe them. {$15000.00}. The moment I shared my name, the representative stated that they no longer do business with XXXX XXXX. They explained that I would be transferred to a different department. It was XXXX XXXX who got on the phone next. Which they stated that there was no record of my name in their files. So, they couldn't help me. 

They transferred me to the real resort Which is a timeshare ( XXXX XXXX XXXX ), where they realized it was a previous account that had been cancelled in XX/XX/XXXX. Without delay, I contacted the Concord service and provided a detailed explanation. It was clear he was agitated, as he repeated the exact same thing to me. I told them they are the ones reporting on my credit report since XXXX adding 180 days late every month and listed as the owner. My last payment to the resort was in XX/XX/XXXX and Since you're saying you're not responsible for this account I wanted this deleted from my records. He just stayed silent and said again that they dont handle this anymore and gave me a different number when I call it was once again XXXX XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (MA)

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Upon reviewing my credit report, I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form XXXX must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (GA)

This debt was notified that it was resulted of identity theft. I contacted NRA through the CFPB regarding this debt. Stated on XX/XX/2024XX/XX/year> this debt was supposed to be removed and closed I have an updated report on XX/XX/2024 stating this debt is reported. Im making another complaint regarding this collection this company has not yet removed off my credit report but has updated on my credit report regarding my remarks.
Consumer complaint received 2024-10-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I was behind on rent and when I went to court I had a date to pay the rent back which I did, not once did they mention after I paid the rent back and fought for my apartment in court they would be laying unnecessary fees and charges and charging me rent for the months I didnt even live there. Why am I being charged for months I didnt even stay there how is that legal and humane? There also was mold all through my apartment and my heat did not work. Law 15 USC 1692c ( c ) clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Consumer complaint received 2023-06-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cliff's Finance Co., Inc. (TX)

On XX/XX/XXXX, I went into Cliff 's Check Cashing located at XXXX XXXX XXXX XXXX to cash a {$700.00} check, after waiting for over XXXX minutes I asked " was it a problem '', the young man helping me stated " were just trying to verify the check ''. I waited another XXXX minutes, and by this time I'm upset, I told the young man, if there is a problem cashing the check, give it back, I'll take it somewhere else, he's on the phone the whole time, then he opens his register and hands me $ XXXX.and some change, saying this is what's left after they took {$650.00} because I owed them a debt from XXXX, I told them I have no knowledge of this debt and demanded my money. The manager onsite did nothing to solve this matter, I even asked them to show proof that this debt is mine, which they were unable to do. I was given the number to the District loan manageXXXX XXXX, and when I called him, he all but told me " this is your debt '' I informed XXXX that my Identity had been compromised and I was unaware of this debt, even though I informed him of this he asked that I provide proof of this, I believe if they took my money on the spot, they should prove to me right then something with my signature or my picture I.D, they only provided some faded piece of paper with very little information and misspelled first name. Please help me.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Collection Agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS Original Creditor Name XXXX XXXX XXXX XXXX Formal Response : Creditor did not report any outstanding balance based on XX/XX/XXXX dispute of charges filed with XXXX XXXX. Lease agreement was fulfilled on XX/XX/XXXX Date Assigned XX/XX/XXXX Formal Response : Account information was never filed or contract to XXXX XXXX by XXXX XXXX XXXX XXXX Corporate office did not sell or contract any remaining debt nor did they report to XXXX 

Original Amount Owed {$1000.00} Amount {$1000.00} Formal Response : They are charging interest however there is no statement / clause from original rental agreement provision for interest charges. I've repeatly dispute alleged original amount including interest charges. I've recieved repeated online screenshots of a Ledger and first page of rental agreement, which is not the original documents. As a victim of identity theft, I've requested verification of identification. 

Status Date XX/XX/XXXX Status UNPAID Formal Response : There is no outstanding debt owed to the XXXX XXXX XXXX XXXX and when communication was made with collection agency rep I disputed this several times and requested multiply times for the collection agency agreement with said client including all provision to collect on a debt not owed.
Consumer complaint received 2024-09-17
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

After my dad died In XXXX, my mom purchased a piece of land in the state of Arizona.She completely paid for the land with cash. She later purchased a mobile home in the amount of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that she finance through household bank and had the mobile home placed on the land. My mom passed away in XXXX and I continue to make payments.on the mobile home thru XXXX XXXX. Approximately one  month after my mom passed.I received a letter from faye mortgage stating that they now owned the loan. After making payments For more than a year the payments increased due to faymortgage placing insurance on the property. Although I had informed XXXX XXXX  that I had already purchased insurance. For the mobile home. After Not being able to afford payments any longer.Fay mortgage initiated foreclose sale under mobile home. I contacted XXXX via phone and letter askING to modify loan. Fay mortgage did not respond to this request and the property was sold in a foreclosure sale in XXXX XXXX.In which XXXX  purchase the property. It was. 
Later learned that the mobile home loan had been satisfied. Fay mortgage sold the land in foreclosure sale ffor the amount of {$35000.00}.? ? .even though they did not hold a security intetest in the land. I have attempted to contact XXXX  regarding this issue but they are now refusing to speak with me at all.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (MO)

XX/XX/XXXX - Pre-qualification for a discover home loan. 
XX/XX/XXXX - Spoke to XXXX XXXX. He reviewed my documents submitted, monthly income from employment, Rental Income from my XXXXXXXX XXXX Said I qualified and my debt to income is very low. He forwarded my file to my actual loan processor at that time XXXX who then reviewed my filed and sent it to underwriter for final approval. 
XX/XX/XXXX - Underwriter requested my CD 's, Savings and Income and losses for XXXX for XXXX house rental. I then sent a message to the underwriter that this house is undergoing repairs to be sold and was to be excluded from the home equity loan application process. 
XX/XX/XXXX - The underwriter declined my Conservational Loan ( Home Equity Loan ) with the reason of debt to income is too high. 
XX/XX/XXXX - Rep provided explanation that shows underwriter calculation method used to calculate my debt-to-income ratio as follows. 

Income XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$660.00} Total {$5000.00} XXXX XXXX {$29.00} XXXX {$30.00} Child Support {$200.00} XXXX {$910.00} Current Housing Expense {$1400.00} Adding back XXXX {$23.00} Total {$2500.00} {$2500.00} divided by {$5000.00} equals 50.84 % DTI The underwriter calculated the XXXX XXXX Loss of {$660.00} by dividing the XXXX XXXX XXXX loss of {$7900.00} by XXXX. 

This calculation method shows my rental losses from XXXX divided by 12 months was deducted from my current XXXX monthly employment income, although I was not given any credit for my current XXXX rental income. 

In addition of this calculation, a monthly loss of {$910.00} from XXXX XXXX XXXX monthly loss was used to increase my monthly liability although my XXXX house has been a second home in XXXX undergoing repairs to be sold. 

This calculation method increased my current debit to income ration causing them to decline my home loan. 

When I enquired what federal mortgage rules or guidelines was used, they said it was their internal underwriting policy that they were not able to share with me.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

In XXXX I applied for borrowers defense. In XXXX I was approved. I received several emails stating my federal loans would be discharged and all payments made would be refunded. At XXXX the email stated all would take place by fall XXXX. Then it was XX/XX/XXXX, then XX/XX/XXXX. Finally XXXX loan was discharged XX/XX/XXXX, the other XX/XX/XXXX. I was told the refunds would take up to 90 days to be received. Its been well over 90 days with multiple calls, emails, escalations, calls to management, and accounting to no ETA when the refunds would be processed.