davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
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: Onity Group Inc. (AL)

The organization of the loan was XXXX XXXX When I applied for a modification they said it had been modified 3 times. A request for all 3 modifications. I also requested for a payment history starting from XXXX XXXX. 

I also was promised they will look at this matter and resolve it and havent had any results yet.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (TX)

In accordance with the fair credit Reporting act XXXX has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I filled out my IDR information on studentaid.gov in XXXX or XXXX. Navient told me I needed to submit more information ( in addition to the tax information made available through studentaid.gov/IRS ) XXXX I re-submitted my personal income information on XXXX XXXX, XXXX. I submitted all the same information to XXXX servicer, who set my IDR payment amount at {$0.00}. 

I called Navient on XXXX XXXX XXXX, and was told they have all the information to process my IDR ( including what my taxable income was ). I had to update my auto-pay information, and was told that I would have to manually submit payment for XXXX while my IDR request was being processed. I submitted my first payment of {XXXX} on XXXX XXXX, XXXX, and my Navient account stated that this payment was past due. 

On Tuesday XX/XX/XXXX, I received an email from Navient stating that the total amount charged was {XXXX. The online portal states that I will be auto-charged on XXXX XXXX for my XXXX payment, however, I was told by the customer service rep. that the {$XXXX} was for XXXX and XXXX.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise debt collection company has repeatedly harassed me via phone calling nearly 20-30 times a day for a collection that I do not owe or did not authorize. I have been a victim of identity theft and had my belongings stolen and several fraudulent accounts opened. I have placed protections on my credit report to block accounts being opened without my consent. Additionally, I have never had an account with this company and never gave permission to be contacted.
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My electronic tax return and refund ( {$550.00} ) was submitted to IRS on XXXX/XXXX/2016 by my tax consultant ( her XXXX information is noted within my attachments ) and IRS electronically sent to my checking account on XXXX/XXXX/2016, however it never reached it. IRS records show it was deposited into my checking account on XXXX/XXXX/2016. Upon further research, I discovered it was deposited in an account at J P Morgan Chase account with my name referenced on the deposit. The wrong routing and account numbers were placed on my return by my tax consultant. ( I will attach both the wrong and correct routing and account numbers for your review. ) The IRS sent an inquiry to J P XXXX Chase and the answer returned required IRS to submit a letter of XXXX request to have the funds returned. IRS refused to comply and closed my case. I have been waiting patiently since XXXX XXXX, 2016 to receive my tax refund to no avail.
Consumer complaint received 2023-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I only knew about this debt because of XXXX XXXX. I received no notice and have been trying to contact them for details. I am not sure what account this is regarding, as I have taken care of my hospital visits already. My recent hospital visit was not charged on the grounds of charity. I have already contacted the hospital to confirm that it was in fact absolved. If this isnt a charge from the hospital I am not sure what is it, and have been trying to gain contact to find out where it is from. It has been on my report since XXXX, which also dont make sense, as I have not visited the hospital at all this year. If it is older, I do not know why I havent gotten any information regarding the charge and it being sold to collections. I graduated college in XX/XX/2023, and working on repaying student loans. for this reason I can not afford this expense and need the opportunity to dispute this
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The following inquiries were also opened under my social security number fraudulently as well. 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
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Noticed a small collection amount of {$320.00} on my consumer credit profile ( all 3 bureaus ) by Genesis for an address I have never resided at or applied for. Requested itemization or any written documentation in regard to what they are collecting on in XXXX oXXXX XXXX  then again in XXXX of XXXX Both requests went unanswered. 

Contacted Genesis again by phone on XX/XX/XXXXXXXX XXXX XXXX  at XXXX CST , spoke with a representative that stated they can not provide any written documentation as to what is being collected on, and to simply pay the bill in full or we will continue reporting and you will continue to have this on your report. Once again told the representative that I am simply asking for any information on what this debt is before I can make an informed decision on if I should pay or dispute this debt, and that I can not move forward with resolution until i know WHAT this debt is for. Representative continued to repeat that they will not send me anything as to what this debt is, and could be an app fee or something like that. Once again requested for a possible copy of the original collection letter, invoice, or anything of that nature for me to verify what this is, and again, to make an informed decision on best course of action to proceed. Representative stated they weve already validated the debt on our end and we will not send anything or provide further details, because we are not required to. Once again let the rep know that if I was to pay, I simply would like to know what this is for. It is negatively impacting my consumer profile, and I am being cornered into paying a debt that I have not received notice, bill, invoice, or any information regarding this matter. Due to the companys unwillingness or inability to provide proper documentation or chain of command for this debt I fully believe this goes against my consumer rights and request for it to be removed immediately from all three of my credit reportings.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.. The information I am disputing is as follows : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I applied for the XXXX in XX/XX/XXXX. I have worked for the same school since XX/XX/XXXX and have made monthly payments for my loan since XX/XX/XXXX. Mohela has been giving me the run around for almost a year now, saying I only have XXXX out of XXXX required eligible payments to qualify for XXXX. However, they need to count payments from XX/XX/XXXX- XX/XX/XXXX. 

XX/XX/XXXX : Spoke with XXXX, who says that Mohela is waiting on the XXXX XXXX XXXX, and it takes a while. 
XX/XX/XXXX : Spoke with XXXX, who said she will have her XXXX call me back to figure out what is happening. No one returned my phone call. 
XX/XX/XXXX : Spoke to XXXX, who submitted a rework request to management to determine why they continue not counting 70 months of payments. I also resubmitted another employment verification since they said they could not count my work from the original application to XXXX. It shouldn't matter, though ; I've made the payments, but I had my employer sign off and verify my employment. 
XX/XX/XXXX : I spoke with XXXX, who said I needed proof of payment from XX/XX/XXXX - XX/XX/XXXX, so I uploaded proof from XXXX that I made payments every month and did not skip any. He verified he received the document and said I would hear from Mohela in 30 days. 
XX/XX/XXXX : I spoke to XXXX, who now says that my loan was deferred during that period because I was in school. When I explained I was in school from XX/XX/XXXX - to XX/XX/XXXX, my loan was never in deferment, and even if it was, there are still 54 months of payments not being counted, she said it didn't matter. She said they would request to have the national student loan payment count, and I should hear back in XXXX - 14 days. 

This seems like a scam to me, and I am being singled out because I have proven that I make my payments on time and have been a responsible loan borrower. I have done everything required and sent everything requested of me, confirming that I have made payments for 20 years without missing a month, all while working for the same school district. It seems convenient that I am 2 months shy of meeting the requirements, but I've proven that I have 70 months of payments that needs to be counted.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I had an arrangement to pay {$260.00} to get the loan one payment up but unfortunately my check didnt drop until today. I called to pay and was told that they charged off the loan this morning. When I asked for options I was told to either pay in full or 4 months payments of {$6000.00}.
Consumer complaint received 2024-04-22
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. (CA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Systems International, Inc. (AL)

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, CREDIT SYSTEMS {$92.00}, XXXX. XXXX XXXX {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (IA)

I received a text message from the collection agency about owning an all state 178.43. Then on the same day I received a report that theres is a collection on my credit report. Under the FCRA I am supposed to be giving at least a week or XXXX to respond but I wasnt given that opportunity. 
Secondly, the debt they are collecting is for auto insurance that I did not sign. Therefore for this debt to valid I am requesting the documentation of agreement between all state and I that state I am liable for the debt.. 
Finally the vehicle that was insured has been sold during the listed period that all state claims they provided this services for the said amount
Consumer complaint received 2024-01-26
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: JPMORGAN CHASE & CO. (NJ)

CHASE BANK is offering or advertising a free credit score check without you/me being a account holder or having an account, ( No chase account required ) with the BANK. However once you fill out the information you click a box that says you agree to receive text messages and calls about information etc, but you are then directed to a page that states that an online account can not be opened for you. This is a false advertisement and bait and switch.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX 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 2024-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (UT)

XX/XX/XXXX Bonneville Collection served myself and husband for a medical surprise bill. I have asked several times in our court case for a financial agreement and they had not been able to provide one. On court dated XX/XX/XXXX of XXXX. XXXX XXXX threaten to add {$3000.00} to our bill that we are fighting in court if we did not settle in that half hour that the judge gave us to talk. He was intimidating and yelling at us. The judge and I gave XXXX XXXX and Bonneville collection 3 weeks to provide a financial statement. We go to court again tomorrow XX/XX/XXXX of XXXX. And I just realized on XX/XX/XXXX Bonneville collection also put this debt on my credit report. We are in litigation and I am proving that I do not owe this debt. Besides being intimidated, now he has ruined my credit report. XXXX XXXX from Bonneville collection agreed with me that he needs to have a financial arrangement agreement to make the federal truth and lending statement be legal. From what I read you can not put debt that is in litigation on the credit report..
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (SC)

I reported this company in XXXX XXXX XXXX XXXX by a different name. They changed the name of their company to Ability Recovery Service, but it's the same {$1300.00} medical bill they fraudulently charged me for then. I have never been to a hospital in Mississippi EVER. Please stop allowing them to send fraudulent charges to collections and affecting my credit score. This is ridiculous.