davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to Experian in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
Experian has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

There are XXXX student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also XXXX student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but XXXX of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The auto loan in question is through XXXX XXXX XXXX. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession XXXX continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. XXXX sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. XXXX still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as XXXX asking for the removal of the account because of all of the inaccuracies. I have never received a response from XXXX and the credit bureaus will send a letter or email asking for additional time with no resolution.
Consumer complaint received 2023-06-12
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. (NY)

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AVANTE (NJ)

Avante USA sent me a letter on XX/XX/2022 claiming I owed an alleged debt of XXXX I immediately responded with a written letter by via mail with return receipt with a written cease and desist notice with tracking # XXXX which was received and returned back to me. You then send me another letter on XX/XX/2022 this is a violation of 15 USC 1692c ( c ) which says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt, except to advice the consumer that the debt collector 's further efforts are being terminated, to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor, or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt. Your actions caused me great stress, anxiety, and duress, according to 15 USC 1692k to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow but not exceeding XXXX. I have attached proof of this company Avante USA sending me a letter on XXXXwhich I didn't receive until XX/XX/2022 and a letter of me responding with a cease-and-desist letter with return receipt and them sending me another letter on XX/XX/2022 still claiming I owe them a debt.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, 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. (CO)

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( XXXX ) XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. ( XXXX ) XXXX. ( XXXX ) XXXX finance. ( 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 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 2016-12-28
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (FL)

Navient calls me from 4 to 10 times a day about a loan balance that I have written letters to them about, talked with 6-8 of their representatives about, and wrote them to quit calling me all the time. I wrote telling them they were harassing me and I would get an attorney to sue them. They said they were immune to harassment laws and they did not apply to them. They have called me repeatedly every day, even XXXX, and as late as XXXX. I have records on my phone of over XXXX calls from them since XX/XX/2016. Now they are threatening to sue me or take it to litigation. I told them all what I could do since I am on a fixed social security income and have health problems so I can not work, not to mention the fact that I offered to pay what I could and they did not accept it. I have received calls from every office they have in the country. One stops and another starts. It is ridiculous and has my nerves on end. They even charged me with loans that they had turned back over to XXXX University and I paid XXXX in full. Now they have called my daughter and my husband concerning these loans and it upsets me very much. My daughter is living on XXXX, needs a XXXX, and has XXXX which we do n't know what they are. It upsets her for them to call her and I am worried about her health. If this is not harassment, I do n't know what is.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Consumer complaint received 2022-11-10
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. (VA)

I recently got a copy of my Experian report and noticed and unfamiliar account with a bank I've never used. XXXX XXXX is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

my mortgage was transferred over from XXXX BANK to ROUNDPOINT MORTGAGE as of XX/XX/XXXX, in the interim I've NOT been able to get 100 % clear answers or help in rolling forward application of my loan forbearance status from XXXX BANK to ROUNDPOINT MORTGAGE. 

my initial welcome letter ensured me that all loan documents would be transferred over in a timely manner within the 60 days loan transfer period " grace period '', this has NOT occurred yet related to my mortgage loan forbearance status and ROUNDPOINT MORTGAGE isn't providing me with " single point of contact '' info either to remedy. 

plus ( to assist ROUNDPOINT MORTGAGE ) in expediting my request, I emailed their " service help '' department the attached letters ( back in XXXX XXXX ) from XXXX BANK showing that my mortgage loan # XXXX ( or # XXXX with ROUNDPOINT MORTGAGE ) forbearance was extended to XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC (TX)

I received a letter stating RMS was collecting a debt for XXXX XXXX XXXX XXXX. It states I owe {$290.00}. I called XXXX and gave them the Acct No and the Reference No in the letter. XXXX supply chain says neither of these exists and believes the letter and company are fraudulent. I tried to call the number on the RMS letter XXXX XXXX XXXX XXXX, but all it does is put me on hold with music playing and after 10 minutes says they are too busy and disconnects.

On top of this, they also called my cell phone and tried to get me to pay over the phone. 

The company says it is RMS : The Receivable Management Services LLC. 
Acct No : XXXX Reference No : XXXX RMS says their address is XXXX XXXX XXXX  XXXX, MI XXXX
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TN)

I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. 

This is my tacking from XXXX mail from XXXX XXXX and XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. 

Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Consumer complaint received 2023-10-23
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. (TX)

It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.
Consumer complaint received 2022-11-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

Hunter Warfield is the debt creditor The original Creditor is XXXX XXXX XXXX company is no longer open they sold their business to XXXXXXXX XXXX XXXX  My information was reported to the debt collection on XX/XX/2020 as of today the balance they say I is {$5200.00} I never sent in any information into this company, I never lived on any of their property, and I never authorized any one to use my name or any of my information for this property. This is fraud!!!!
Consumer complaint received 2022-11-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Credit Acceptance has been improperly reporting missed payments every month to the credit agencies which is hurting my credit horribly. 

I had a repo back in XXXX due to the pandemic I had got laid off and couldn't afford my payments anymore. They took my car and then sold it and I still owed a little over 5k. From then till now they are now stating that I owe {$11000.00} and counting as it is increasing every month which I do not know why as they have not communicated anything with me. 

I believe they are not being fair by charging me over double the original amount owed after the repossession was made and now they are not only hurting my credit but affecting my life as I an unable to apply for certain things due to this account. 

This company has repeatedly abused the rights to every customer they have or had. As you can verify they have even been sued many times for violating peoples rights and most of whom are minorities just like me. 

This is wrong, unfair, and unjust to charge someone over double of what they owe in an unjustifiably, and abusive manner.
Consumer complaint received 2022-11-10
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: ACIMA CREDIT, LLC (VA)

I recently got a copy of my XXXX report and noticed and unfamiliar account with a bank I've never used. Acima Digital is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

Applied and approved for th e Citi AAd vantage Platinu m Select Card o n  XXXX   XXXX ,  2017 . The promotion was receive  XXXX  AA miles if I spent {$3000.00} within 3 months of card approval.     Received an email  XXXX   XXXX ,  2017  stating the card had been returned in the mail. Have been receiving other mail at the address normally with no issues.     On  XXXX   XXXX ,  2017 , called int o Citi Custo mer service and asked to have card expedited due to delay, but request was denied citing new credit card accounts can only send the initial card through normal mail. I was then told another card would be sent with normal mail i n 7-10 busin ess days.     Called back aft er 10 bu siness days, on  XXXX   XXXX ,  2017  to see why I had not received a card, and it turns out a card was never actually sent out from the previous call. Once again I asked for the card to be expedited due to the fact it has been an entire month and was once again rejected. Only offered a measly {$10.00} as compensation.     Received another email  XXXX   XXXX ,    2017  saying the card was returned again. Again, I have been receiving other mail normally at this address. I c alled in and decided to change the address to a different one, and escalated to call center manager who verball y agreed to have the card sent with overnight mail, and verbally guaranteed I would have the card at the new address by  XXXX    XXXX   EST on  XXXX   XXXX . I asked for an extension on the spending requirement timeframe for the signup bonus as I have not received the card halfway through the 3 month time window. Was denied a time extension. Was given  XXXX  AA miles as compensation of delay.      XXXX   XXXX ,    2017  I checked the new mailing address and no card was received. Called again to call center and escalated to call center  manager  named  XXXX  with ID #  XXXX .  XXXX  states that the card was sent out via standard mail on  XXXX   XXXX ,  2017  NOT overnight. Blatantly lied to by previous call center manager.  XXXX  said the card should arrive at the new address  in 7-10 busines s days.  XXXX  also denied my request to extend the signup bonus spending time window. This would mean fo r 2 out of the 3 months of the signup bonus time frame to hit the minimum spending requirement will have passed and I would only have one month.      Asked  XXXX  for further compensation and was denied citing I was already compensated with {$10.00} and  XXXX  mil  es.
Citi 's refusal to provide the card in a timely manner and refusal to extend the 3 month time frame to meet the minimum spend  ing requirements for the signup bonus is fraudulent advertising.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$7000.00}