davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (ME)

I called to pay an old debt on XX/XX/XXXX from an old bill I found from XXXX. I was unaware it was in collections and paid it through the company in which I owed, which was XXXX. I paid the debt on XX/XX/XXXX over the phone. I received an alert on XX/XX/XXXX that an XXXX makes Harris and Harris submitted an unpaid collection in the amount of XXXX for XXXX which I had already paid
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I disputed a transaction with USAA back in XXXX! At first they denied the credit and then later on this past XXXX they gave me the {$1000.00}, back to me but they never took the balance out of my account balance. So basically it shows on a statement but never took it off of my credit card balance. Also they fraudulent put the credit supposedly back in XXXX when the dispute was reopen in XXXX which is very strange to me because then the credit should show in XXXX statement not XXXX. I really need some one to look into that because they show it on my statement but never credit the {$1000.00} dollar to me on my account balance and my account summary and balance prove that. If that was credited I wouldnt still have {$1000.00} shown on my account l.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

My account was taken over from Great Lakes Borrow Services by Nelnet after the government decided I didn't deserve any loan forgiveness. Nelnet decided that since my loans are XXXX different loans that I required XXXX loan dates which are XXXX days apart. I find that annoying and unnecessary so all that I want them to do is to make the due date the same on either the XXXX of the month or the XXXX of the month. They do not have an option on their site to let you request a new due date. So I emailed on XX/XX/XXXX. Then after not receiving any response for a month-I emailed again on XX/XX/XXXX. It has been nearly another month and I still have received XXXX response from this company. Why are they servicing my loan without any customer service? This is insane and ridiculous. My request isn't even that difficult. I feel bad for people that need something more in depth as I am sure they, too, are not being assisted.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (NV)

REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT XX/XX/year> To Whom It May Concern : I was contacted by spring oaks capital llc regarding an alleged debt owed. For XXXX accounts with this company Be it known, that I hereby dispute the validity of said debt. I would also like to know if an attorney has reviewwd this account. 

In accordance with the XXXX Fair Debt Collection Practices Act, XXXX XXXX XXXX, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , to resolve this matter, as warranted. Please take note that I am declining any attempts by spring oaks capital or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (HI)

This is not my account, and I do not give permission for this company to report information on my credit report on an account that is not mine. I did no business and neither paid for nor financed any product or service from this company. reporting errors on my XXXX credit report is a violation of my consumer rights under the US Consumer law, the FCRA, FDCPA also reporting Charge Offs more consecutive months re-aging a debt is against the Law and this account should be removed and deleted from my Credit Report immediately. My credit report should be XXXX XXXX  accurate according to the law and this account show many factual errors.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (PA)

XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX   on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. 

Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (NC)

XXXX XXXX XXXX has been reporting non-verified information to the credit reporting agencies without my consent. I have not given XXXX XXXX XXXX MY written expressed consent to report anything to the credit reporting agencies. XXXX XXXX XXXX has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to XXXX XXXX XXXX .
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NORTHWEST BANCSHARES INC (NY)

I took out an advance a few months ago and paid it off by the EXACT dollar amount that they billed me for. Then they tried to bill me for more interest and their collection attempts haven't stopped. I also asked them for the calculations of how they are computing this additional interest, but they have not provided that. I believe they are treating this line of credit as a mortgage, since they said I was supposed to call to get a pay off amount before paying down the line fully. This additional interest was not in the original line of credit agreement that I signed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I took an Affirm Loan out to pay for my XXXX order, I made all my payments on time DESPITE MY UNEMPLOYMENT, EVICTION, CAR REPOSSESSION, I HAVE NEVER BEEN LATE ON THE PAYMENTS FOR THIS ACCOUNT AND I WANT THIS LATE PAYMENT EXPEDITIOUSLY REMOVED FROM ALL CREDIT REPORTS ALONG WITH {$100000.00} AND MY ALL OF CURRENT LOANS PAID IN FULL OR {$100000.00} PLUS LEGAL FEES ALONG WITH THE LOANS ON MY ACCOUNT PAID IN FULL AND REMOVAL OF THIS ACCOUNT AND ITS ENTIRETY OFF ALL MY CREDIT REPORTS EXPEDITIOUSLY!!!
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (NC)

On XXXX XXXX the vehicle was voluntarily surrendered due to the car being damaged by a CarMax representative. I was told that I would be updated on the vehicle being sold after the surrender but instead, CarMax Auto Finance continued to label the loan as active instead of inactive. Doing this caused my payment history to be affected, therefore decreasing my credit score by XXXX points. When I filed a complaint with ncdoj, I was accused by XXXX XXXX of just leaving the car on CarMaxs property.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

LexisNexis has incorrect data on my name for Homeowner insurance policy with XXXX which belongs to my father from XXXX. The claims are showing under my name. The house and deed these claims belong to are not mine. This is affecting my ability to purchase my first home due to multiple insurance rejecting me home coverage because of the claims on this report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

has violated my rights. Or a list of inquiries : 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. 

15 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.
Consumer complaint received 2018-08-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Servis One, Inc., Titusville, PA Branch (GA)

Company called after XXXX ( 15 USCS 1692 ) to collect debt and frequently calls multiple times everyday. 

Additionally, company has illegally tacked on late fees to this account EVERY MONTH it has been open despite having checks DATED AND MAILED directly from my bank prior to the end of the grace period and intentionally posting them to my account as LATE for MULTIPLE accounts resulting in THOUSANDS of DOLLARS in EXTRA Profits. 

Company also purchased EXTRA INSURANCE on my property ( although a policy has been in place for over a year ) and is trying to bill me for the cost of the insurance the purchased although the current policy meets their requirements.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They never provided all the documents I've requested, I've sent request by certified mail numerous times.. I did not receive nothing in the mail from them.. 

They only have one screenshot of a bill, they will respond with the same document and same one-liner every time.. One trick pony act without any solid proof..

Don't just tell me what little information you have on me, show me everything I've requested... 

I need to see everything that I've requested for proof, I believe they do not have such documents.
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Recovery Associates, Inc. (IA)

My daughter was inpatient at XXXX point in XXXX XXXX. I gave them both insurance cards at time of admission and one more time while in the hospital. I got a few bills from hospital stating a balance owed, and I called with every single statement received and gave them information again for the secondary insurance. Primary was billed and paid majority. Despite constantly giving this information, her secondary insurance was never billed or saved to her file and they sent me to a collections agency. I called them and was told it was too late to bill insurance now that they are involved. Then hung up on me.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

On or about XX/XX/XXXX I attempted to purchase a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. on line. I did a credit check and was approved for financing from Westlake Financial Services. at no point did I ever take possession of the vehicle in question. VIN # XXXX. Approximately one week later I found out that the vehicle was rebuild and I contacted the dealership and West lake Financial Services and advised them both that I had no intention of going forward with the purchase due to the fact that the vehicle is a rebuild vehicle. Prior to completing the purchase of the vehicle in question, I put a down payment of {$8500.00}. I contacted the dealership and requested that I get a full refund due to the fact that I did not take possession of the vehicle and the vehicle was being sold under false pretense. The dealership advised me to contact the finance company and they would give me a full refund, however I did not get my money refunded back to me. Whereafter, Westlake Financial Service, have been reporting said vehicle as charged off, knowing that I at no point took possession of the vehicle non question. Furthermore, at no point did I ever sign the buyers order and or contract. Wherefore my rights have been violated. 
1 ) 15 USC 1681 - The fair credit reporting Act.

2 ) 15 USC 1692 - The Fair Debt Collection Practice Act.

3 ) 15 USC 1601 - The Truth and Lending Act.

4 ) 15 USC 1691- Equal Credit Opportunity Act.

5 ) 15 USC 6801- Gramm Leach Bliley Act.

6 ) 15 USC 1662 - Advertising of Down Payment
Consumer complaint received 2023-04-22
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. (PA)

To Whom it may concern, I disputed the validity of an account that was being incorrectly reported on my credit profile specifically from Experian. It was no surprise that the other 2 credit bureaus, XXXX and XXXX, deleted the account due to their inability to properly verify it. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should be able to provide me with the information that was used to verify the account. The information obviously doesnt exist, and Im sure Experian used e-Oscar to verify the account and update the info, but that is what the bureaus got in trouble for in the cases for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX 

Also, please see attached the proof that the tradeline accounts from XXXX. XXXX, XXXX have been disputed with Experian and they were never deleted or removed. 

Please help me get Experian to rightfully remove/delete these accounts from my credit profile. Thank you! 

Best, XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$620.00} Account Name : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$440.00}
Consumer complaint received 2023-06-23
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I was behind on Payments because Shellpoint  / New Rezmy mortgage company returned 2 payments that I sent in for XX/XX/XXXX, and XXXX did not realize this at the time because I was not residing at the property, and never received notice until I found out from my bank months later that the payments were in fact returned XX/XX/XXXX I began working with Shellpoint to bring my account current, I agreed to a loan modification, so I sent in payments for XXXX, XXXX and XX/XX/XXXX, a 3rd trial payment was due in XX/XX/XXXX, however I was working with my point of contact with shellpoint, was given the option to go on to a deferral program instead, so I opted for that option. I was told to wait for a letter in the mail with their decision. the letter never came. Weeks later I am told from my Shellpoint Contact that I was denied for the deferral program, so I asked her, now what do I do? she responded again, wait for a letter in the mail, I will then go over your options for repayment at that time. Meanwhile as I am working diligently with Shellpoint to figure out what steps needed to be taken to bring my account current, and what I needed to pay, from mid XX/XX/XXXX Through XXXX, XXXX. During that time, Shellpoint hires an Attorney on XX/XX/XXXX to file a foreclosure against my property, They do not inform me of this foreclosure, no emails, no mails, nor did the point of contact that I was working with at Shellpoint explain to me, or tell me that I was in Foreclosure. Shellpoint charged me over {$2000.00} in legal fees and other fees, now I have a foreclosure scheduled for XX/XX/XXXX. I need help. At no time did I ever tell Shellpoint that I would not pay them, we were working on the resolution while they filed the foreclosure ... .Its devastating to me, and all I get from Shellpoint is lies and deceit. What can I do, Please help me. I'm to make my payment on XX/XX/XXXX. but after reading all of the negative reviews, I do not trust them to stop the foreclosure after I make the payment and all of the wrongful additional fees that they are charging me. This all started because they returned 2 of my payments without notifying me back in XX/XX/XXXX... Horrible, deceitful company, stay away from this company, read the endless negative reviews. I don't understand how they are still in business...
Consumer complaint received 2018-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2018 I sent a dispute to TransUnion regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to TransUnion, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused