davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

From  XXXX  until  XXXX , I was advised by   XXXX   XXXX   that if I was struggling to make py monthly payment, the only option available to me was a deferment. I had even questioned numerous times about making smaller payments and was told that the company can not do that and that it would be pointless to make them on my own because it could cause issues with the deferments. In early  XXXX , i was advised I could no longer defer and had to make full payments. I was unable too. In  XXXX  of  XXXX    XXXX   XXXX   advised me that my loan was going to default and be sent to collections. After speaking with numerous people one representative send me a financial affidavit to send back requesting assistance. I sent in that package a total of three times over two months. Every time I called to verify receipt, I would either be on hold for extended times or transferred to the same person who called himself  XXXX , who would advise me that it was never received. In  XXXX  of  XXXX ,  XXXX  told me again my information was never received and that my loan was officially in default and there was nothing that could be done. A total of {$27000.00} was charged off. I immediately called the collection agency who was handling the loan and made a payment arrangement to bring the loan out of default. They also advised me of the income based repayment program that was available for me to apply. While the loan was in default, a collections charge of {$8400.00} was added to my loan.
Consumer complaint received 2017-05-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XXXX / XXXX / 2017   XXXX  from USSA called and left threatening voice-mail that if I did not contact them within  24 hour s to pay a debt they would be deducting my wages. When I called them back they claimed to have been lawyers hired by original creditor to collect a past due debt. Claimed if I paid right now they could settle for less than half the amount owed. When I asked for the original creditor 's phone number so I could verify their information, they gave me a false number. I did get the correct number on my own and they put me in touch with the correct collection agency who let me know the people who were calling me were trying to scam me out of money. They were not hired by original creditors or the collection agency handling my account.
Consumer complaint received 2024-10-04
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)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing significant stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX - Experian XXXX XXXX Inquiry Date : XX/XX/XXXX Need to get removed - XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Need to get removed - XXXX
Consumer complaint received 2024-10-28
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX - XXXX, XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2017-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I terminated a rental lease for serious medical reasons with the understanding, according to their contrac t ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered to pay  the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,   XXXX   XXXX   XXXX   understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the  Landlord fai led to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Over several months, I have been getting phone calls asking to speak with "   XXXX   XXXX   '' about credit management. That 's not me, and I 've never met a  XXXX . Every time I get a call about her I say, " I do not know a   XXXX   XXXX  . You have the wrong person. Please do not call this number again. '' However I still get harassed about this strangers ' credit card debt. The most recent call came from Midland Credit Management. The phone number that called me was (   XXXX   )   XXXX    I am not certain whether it has been the same company calling me in the past, or another debt collector, but they always ask for "   XXXX   XXXX   '' ( again, no affiliation to me ). I do not know how my phone number became associated with this account, but please help me disassociate myself.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (CA)

Rausch , Sturm , Israel , Enerson & Hornik , LLC   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Maryland  XXXX  tel # :   XXXX   Fax # :  XXXX  They started garnishing 20 % from my salary in  XXXX  where i worked. They claimed that I owed   XXXX    Gold Master Card/ XXXX  the amount of {$13000.00}. I called them and spoke to   XXXX   XXXX   XXXX   and told them that this is not mine. I ask for all the documents pertaining the debts they claimed was mine.
  XXXX   XXXX  , 2017 I sent them the affidavit/  XXXX   XXXX    FRAUd Questionnaire, and called them almost everyday and always send me to an answering machine.
I called them   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   this week every morning and they just sent me to an answering machine. I told   XXXX   XXXX   to call me back and gave them my numbers. I ask them, why is it that they still garnished my salary even though they said they will investigate after receiving my Affidavit.
They already garnished {$650.00} from my hard earned salary.
I do not know what to do to solve this problem, they do not answer my calls but keep on garnishing 20 % from my hard earned salary. Please help me.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NJ)

My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I believe  Caliber Home Loans an d its agent   XXXX   have acted in violation of the  Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated    XX/XX/XXXX    , Caliber Home Loans Qu ality Control Program/ XXXX  stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX  attached to their request was dated    XX/XX/XXXX   , the date when I first purchased my home. In a letter to  Caliber Home Loan s dated    XX/XX/XXXX   , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of  Caliber Home Loans  and its agent  XXXX  were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TN)

On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.
Consumer complaint received 2017-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Big Picture Loans, LLC (WA)

I applied for the loan, however, luckily I did n't accept it. I tried contacting them via telephone and a gentleman answered took all of my identification information like my social security, date of birth, address, he said for identification purposes, which made me fee uncomfortable but I figured it was party of the process and as soon as I have all my personal information he acted like he could n't hear me on the phone any longer and hung up. I called again and customer rep that answered listened to me explain how I felt uncomfortable that they asked for all my personal information and hung up on me, and then this one hung up as well. I called a third time & when the rep answered I told them u wanted to cancel my application and as soon as I said it they hung up the phone on me again. I just feel like they may be trying to steal my identity with the information they took down from me and feel like they are just there to scam people. I did research on this company and it just so happens that I read that they were previously castle loans or something where they 've scammed a lot of people. Can you guys please make sure that they do n't do something illegal with my personal information. Thanks.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

Consumer disputes account through Credit Bureau several times. Collection agency keeps increasing and decreasing amount owed each month without consent from consumer. Collection agency increases {$1.00} to amount allegedly owed, then the following month decreases said amount by {$1.00}. Collection agency does this every month. This is unfair practices and Collection agency refuses to stop.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.