davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Failed to provide debt validation as required by the Fair Credit Reporting Act, Section 609. Delete this unfair, negative, inaccurate, erroneous from my credit report.

Requested company provide the following in connection with the alleged debt : 1. To whom do you think I owe this debt and what amount do you claim I owe, and how that amount was calculated? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount allegedly owed and the date when the debt was transferred.

2. Please provide a valid basis for the alleged debt, such as the original contract between me and original creditor. Tell me the date the alleged debt became delinquent and the date the last payment was made. Prove the Statute of Limitations has not expired on this account.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in the state of Maryland? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why, and under what authority you are able to collect this alleged debt.

Company has failed to provide the requested information in violation of the Fair Credit Reporting Act, Section 609.
Consumer complaint received 2018-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

In XX/XX/XXXX I was contacted by my insurance company ( XXXX XXXX, XXXX XXXX XXXX office in Charleston, SC ) regarding a failure of payment from my escrow account with my mortgage servicer, Loancare. Loancare did not make the payee line out correctly, so the check was not able to be deposited/cached by the insurance agency. They covered the insurance cost for me but still needed payment for it.

Both the insurance agent, XXXX XXXX, and I contacted Loancare *repeatedly* over the course of the next year to absolutely no avail or response. They do not respond to email at all. Finally in XX/XX/XXXX XXXX managed to get the right check cut to their agency and I thought the matter was resolved, however unprofessional it was handled.

Well now I have an erroneous negative balance in my escrow account because rather than just fix the check, Loancare claims they refunded me the " excess '' that was in the escrow account. I NEVER received this check. According to them, they sent it in early XX/XX/XXXX. I would remember an unexpected $ 1500+ check. I never saw it.

So now they have taken payment for XX/XX/XXXX's insurance amount as well as XX/XX/XXXX 's from my account, meaning that I've been charged for the XX/XX/XXXX insurance TWICE.

I called and spoke with an agent at their company, and despite the easy conversation we had where the agent saw the issue and promised he'd get his supervisor to correct it, I still have not seen any correction, nor will they respond to my messages once again. This discrepancy in my escrow account has caused my payment to increase by around {$100.00} a month, but I absolutely do not owe them this extra money.

Where did my money go, and why will they not fix this? This has been going on for a year and a half or more now.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (PA)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

With Nelnet Ive tried calling multiple times within their listed hours of operation but the automated recording said they were closed. My loans are supposed to be on an IDR plan, Ive made two payments based on the letter I received from them, however I am still seeing a balance due for the month. I have tried reaching out with no success. 2 hour hold times ( via phone ). Please advise!
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/22, the XXXX XXXX Amex card had its {$300.00} annual XXXX purchase credit structure changed from {$300.00} issued as a statement credit against XXXX purchases made annually on the card to a new structure of $ XXXX credited against dining purchases. 

ON XX/XX/22, I called Amex 's customer service to inquire about my remaining annual balance before it expired. While I was told the remainder was {$260.00} or so, I was also told by the rep that all unused credit would be issued out to customers as a statement credit so that customers would not feel wronged or angry with the new transition. With this information, I took no action to make a XXXX purchase to use my credit before it expired. 

On XX/XX/22, I called Amex 's customer service to ask about the statement credit promised as there had been no activity on the account. Unfortunately, while the XXXX told me about the new dining credit structure and confirmed I only used about {$34.00} of the old credit, I was given wrong information and that there would be no statement credit forthcoming. 

I then expressed my dissatisfaction and frustration borne of not using my credit based on the information that the XXXX gave me on XXXX. Accordingly, she opened case XXXX with Amex and XXXX am doing the same with CFPB. 

I was given false/misleading information about the XXXX annual credit benefit that expired and because of this, I was unable to take advantage of it. I was and am expecting the remaining {$260.00} or so as a statement credit on my XXXX card as promised.
Consumer complaint received 2023-09-08
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. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-03-12
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. (PA)

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I took this loan in XX/XX/XXXX with a cosigner and under the belief that I would have the opportunity to consolidate the loans after I graduated a year after. This option was not available to me so my interest rate of 12 percent and 8 percent at a variable rate fluctuated tremendously. My  original XXXX XXXX dollar loan is not over 50 thousand dollars. 

With my cosigner I was also limited in my options. I tried multiple times to get my cosigner removed under the belief that as long as I made 12 consecutive payments and that my credit score was good I could get them removed. I was denied and never told why even though my credit score is high and my income has increased since XX/XX/XXXX. I was never told just how much interest would accumulate over these years and my repayment options were always either {$500.00} or more and that was not something I could afford. 

I was also misled in the belief that I could defer my loans as long as I went to school. I was told that it was only for temporary and when I asked for proof I was shown a promissory note that did not have this information at all. This was something that seems to have been tacked on after the fact. 

I am struggling to pay classes for my new degree and am overwhelmed by the high interest and the amount of interest that has been added on top of my comparatively low original principal of {$22000.00}. I am now trying to refinance which was an option I wasn't told I could take as I always tried working with Navient ( then called Sallie Mae ) to see if they had repayment programs that fit my budget.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-09-08
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-01-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PASCO, Inc (IN)

Couple of Collection Agencies continue trying to collect alleged debt disputed multiple times. 

Dates and data submitted. 


Credit Bureaus are COMPLICIT in CRIME as they also are GUILTY OF REINSERTION! 


SUE, SUE, SUE!
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

On XX/XX/XXXX, i went to Instaloan, a subsidiary of Titlemax to get a small title loan to help with some bills that got behind because work was slow at my job and I had lost some hours. I was told by the girl at the desk, multiple times throughout our interaction that on my loan of {$600.00}, that if I paid my required payment, the total I would pay at the end of the loan would be {$870.00}. They also convinced me to get additional insurance on my car, a XXXX XXXX with XXXX miles on it. They told me the extra insurance was required because I did not have full coverage, only the state minimum. I found out today that was a lie. I have paid my payment on time each month and have given them over {$700.00} now, but noticed that my payoff amount had stayed the same. So I called them. Today a different lady told me that the interest accrues every month and that ive only been paying the interest. Over {$150.00} a month. I told her the girl never said that. Even my paperwork didn't say that. She told me multiple times that the total after everything was {$870.00}. This new lady told me basically if i make the required payment, I'll be paying this for the rest of my life. I only paid {$1800.00} total fir this car. I can't afford to lose my car but I also can't afford to payoff this predatory loan in XXXX lump sum. If she would have explained how this interest worked, I would never have accepted the loan offer. Now I'm looking into trying to sue them. I already suffer from anxiety and this is effecting my health.
Consumer complaint received 2017-05-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (OR)

XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders
Consumer complaint received 2023-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC (NC)

I keep getting phone calls from this company. Firstly I thought it was strange as they had called me from 4 different phone numbers all starting with the area code 925 which is a XXXX XXXX Ca area code. I have a 925 phone number as that is where I lived almost 16 years ago but never changed it as my kids know that number. I finally called back one of the numbers and asked who they were. The lady just kept repeating they were an LLC company. I asked her why there were calling and she said in order to speak to you, I need to confirm your date of birth and proceeded to name off my date of birth. I asked her to confirm for me if they were actually in XXXX XXXX, CA, or if they were somewhere else. She said no we are in TX. I said I am pretty sure spoofing a phone number to another state to match someone's listed area code to try to trick them into answering a call is against the FTC rules. You have to call from your company 's phone number that lists who you are. I am not going to give you any personal info until you tell me who you are and why you are calling and can explain why you are spoofing phone numbers in other states. She said. " Well, then I am going to have to end the call '' and hung up on me. I did a search of them on XXXX and there are dozens of people all saying the same thing. This company has called them from their home state while they are in TX. They have put fraudulent dings on people 's credit reports for medical bills they don't owe, in the wrong amounts, the wrong names, etc. I believe this is a company that is preying on people is deceitful in its practices and is breaking the law.
Consumer complaint received 2024-03-12
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DigniFi (MD)

The company Dignifi is not reporting my payments to the Credit Bureaus and it is saying that I have not made a payment yet. I want my paid in full letter so that I can file a dispute because the company at this point has bad business practices. Where they want you to be affected long after separating yourself from them.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent equifax and XXXX a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information. 

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to equifax and XXXX.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I applied for a 4 in 4 payment with my XXXX XXXX  account. Upon applying I was denied as a result of Experian credit score of XXXX. I however just checked my score and it was around XXXX the previous day. I looked at the letter that was sent by XXXX and they said they received my score from Experian. The score is different by over XXXX points. I called Experian to get clarity on what my credit score really is so that I can move forward with fixing this situation and they said the score on the experian.com website was the accurate score so I'm not clear on why the score is displayed as 2 different numbers.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.