davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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. (NC)

On XX/XX/XXXX I submitted a dispute with Experian regarding an incorrect late payment reported on XX/XX/XXXX from XXXX XXXX XXXX. I provided proof of payment from the creditor with a confirmation number. The dispute was not investigated and the incorrect information remains on my credit report.
Consumer complaint received 2023-03-17
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)

XXXX  XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX  XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX  XXXX XXXX Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX  XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX  XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Consumer complaint received 2024-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

With guidance from the Nelnet servicer, I applied for IDR plans without results. Aim was to lower the payment amount to one that suits my income and expenses. Multiple attempts throughout XXXX were made to this end. These efforts are all well documented on both Student Loan gov't site and Nelnet. For example on XX/XX/XXXX, I spoke with rep XXXX who agreed to lower my Nelnent payents to {$230.00} monthly, ref # received : XXXX, did not result in this confirmed payment. I continue to be billed for payments exceeding XXXX $ each month. Per Nelnet guidance, the SAVE application was completed in XXXX of XXXX to lower payments, but was denied for reasons not clarified by servicer. Inbound emails received from XXXX for additional assistance, prompted my replies, but were never acknowledged. 

In conclusion, I aim to pay XXXX $ on my private student loan and separate payment of XXXX $ toward my federal student loan on a monthly basis. However, I am not permitted to do so. It appears, my only payment options are limited to deferment, forebearance, or pay the full XXXX and XXXX respectively. Lastly, I am a XXXX XXXX XXXX XXXX  that has not received the feedack solicited for loan forgiveness and lowered monthly payments. You feedback and assistance would agreatly appreciated.
Consumer complaint received 2023-03-17
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. (MA)

there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRA. XXXXXXXX XXXX posted an inquiry in XXXX of XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (AR)

I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME!
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (MD)

I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

We had our Mortgage moved to Roundpoint Mortgage Servicing Company ( XXXX XXXX XXXX, XXXX XXXX SC. XXXX. XXXX ) It has been roughly 3 years that we have dealt with above company and every year they continue to misappropriate funds from us indicating they have had to purchase Flood Insurance for our Condo in Florida. We have our own Flood Insurance through our HOA for the Condo and we have the HOA send the certificate of Flood Insurance to the Mortgage  Company. This issue again surfaced in XXXX and the same outcome occurred and we were charged roughly $ XXXXmo or about $ XXXX/yr. This amount was added to our Mortgage Payment as Lender Forced Flood Insurance.

We verified that our HOA has had continued Flood coverage for the policy since XXXX and the Certificates of Insurance have been available and on file. We really need help to prevent this company from continuing to misappropriate funds from their  customers. 

We also would like to know who they use to procure this flood insurance since the cost of $ XXXX/year seems totally ridicules based on the typical cost of flood insurance ( if it was needed ). We really believe their is consumer fraud occurring in this area and it needs to be investigated Thank you for your help
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been literally wrestling with TransUnion trying to get them to remove 5 inquiries ( that are unauthorized ) from my credit report and to delete XXXX XXXX XXXX ( this account has been settled, paid the balance is XXXX ). 

I have spoken to customer service reps. and supervisors on several occasions and my pleas to remove or delete these items have fallen on deaf ears. TransUnion will not help me and refuse to take care of these issues ( remove or delete ). 

I have asked for verifiable proof regarding these inquiries and have received no proof. I have no choice but to seek assistance with these urgent matters. I'm tired of going back and forth with them and I see that they are unwilling to assist me. So here 's my dispute : I've asked them to remove these unauthorized inquiries and a settled account. 

Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX. Ive sent proof by certified mail that the account with XXXX XXXX XXXX was settled ( Paid, balance is XXXX ) .These items are still on my report and has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and TransUnion has failed to provide me with a copy of verifiable proof for these inquiries. XXXX XXXX XXXX must be removed or deleted.
Consumer complaint received 2022-11-01
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. (NV)

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California XXXX XXXX XXXX XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX TransUnion : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : XXXX XXXX CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : Federal, date filed XX/XX/2013, reference # XXXX See attachment
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

XXXX charged the card on XX/XX/12. I disputed the charged and was refunded by Citi. On XX/XX/12 and XX/XX/12 I was charged again. I do not have a XXXX XXXX account. I tried to dispute the XX/XX/12 and XX/XX/12 charge and was told by Citi since I was charged more than one month that I couldnt dispute the charge.
Consumer complaint received 2019-02-05
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. (NC)

XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

The item serious delinquency has been on my credit report for 25 years. It was XXXX there fraudulently. There is no record of delinquency. Bank officer used the item on the report out of retribution after a disagreement in 1997
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit 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 2020-08-14
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. (TX)

In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX truck. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to XXXX AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (WV)

XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (FL)

I OBTAINED THE aSPIRE CREDIT CARD AND HAVE AT ALL TIMES ACTED PURSUANT TO THE TERMS AND AGREEMENTS SET FORT I NTHE MASTER AGREEMENT GOVERNING THE CREDIT CARD ALL WHILE DOING SO I ATTEMTED TO USE MY CREDIT CARD TO RENT A VEHICLE FOR XXXX ALL OF WHICH WAS AVAILABLE IN MY ACCOUNT I WAS BEING DECLINED FOR NO REASON AFTER ATTEMPTING TO MAKE THE PURCHASE SEVERAL TIMES ONLINE. 

I CALLED ASPIRE CREDIT CARD CUSTOMER SERVICE AND THEY ASSURED ME THAT THE MONEY WAS AVAILABLE AND DID NOT KNOW Y THE CAR RENTAL TRANSACTION WAS BEING DECLINED.

THIS HAPPENED FOR OVER FOUR HOURS AND OVER 10 ATTEMPTS ALTHOUGH ASPIRE STATED THEY DID NOT KNOW ABOUT THE DECLINES AFTER INVESTIGATION IT TURNED OUT THAT AN ASPIRE EMPLOYEE WAS ILLEGALLY MONITORING MY ACCOUNT AND MANUALLY DENYING MY CAR RENTAL TRANSACTION WITHOUT CAUSE OR PROVOCATION ASPIRE EMPLOYEES LIED TO ME FOR FOUR OR MORE HOURS STATING THEY HAD NO IDEA ABOUT THE UNLAWFUL DECLINE.

I FOUND THAT ATTHE SAME TIME XXXX WAS STATING THAT THEY KNEW NOTHING ABOUT THE DENIALS ASPIRE EMPLOYEES WERE DELIBERATELY CAUSING MY CARD TO BE DECLINED WHEN CONFRONTED WITH THE TRUTH THEY ADMMITTED LYING AND TOLD ME THE CREDIT CARD COULD BE USED AND I NEEDED TO FIND ANOTHER COMPANY TO RENT MY CAR FROM I VEHEMATELY PROTESTED THSI ASPIRE WORKER TELLING ME I COULD NOT USE MY CREDIT CARD AND RENT FROM THE COMPANY THAT DID ACCEPT XXXX. 
I WAS HUNG UP ON AND INTENTIONALLY CAUSED TO BE EMOTINALLY DESTRESED AND MY PURCHASE WAS BEING DECLINED ON PURPASE WITH THE FUNDS AVAILABLE BY ASPIRE WORKERS AN AT THAT IS INCONSISTENT WITH THE TERMS AND CONDIDITONS THAT GOVERN THIS MASTER CARD I WAS TOLD POINT BLANK BY THE ASPIRE EMPLOYEE THAT HE PREFEREED I USE ANTHER CAR RENTAL COMPANY. 

THE CAR WAS FOR WORK AS A RESULT OF NOT BEING ABLE TO LEAGALLY RENT THE CAR I WAS CAUSED NOT TO BE ABLE TO WORK AND LOSS OVER {$1500.00} IN INCOME AT THE TIME OF THE RENTAL I HAD MORE THAN ENUF FUNDS TO COVER THE {$110.00} RENTAL CAR COST THE CAR RENTAL VIOLATED NO RULES OF REGULATION OF THE XXXX AGGREEMENT AND THE ASPIRE WORKER ILLEGALLY TOOK OVER MY CREDIT CARD AND ACTED AS IF IT WAS HIS OWN ATTEMPTING TO COERCE ME INTO USING ANOTHER CAR RENTAL COMPANY WHEN I DIDNT BLOCKING AND DECLINING MY TRANSACTION TO GET THE RENTAL CAR OF MY CHOICE THIS ACTION CAUSED ME NOT TO BE ABLE TO ATTEND EMPLOYME NT THAT REQUIRED THE VEHICLE IN WHICH I WAS LAWFULLY RENTING WITH MY CREDIT CARD FROM ASPIRE I ASKED TAHT THE WHOLE CONVERSTION AND CALLS BE RECORDED AND NOT DESTROYED BY ASPIRE I AM REQUESTING THAT ASPIRE CREDIT CARD WORKER ACTIONS OF DECLINING MY TRANSACTION AND ATTEMPTIN TO FORCE ME TO USE ANOTHER CAR RENTAL COMPANY BE FOUND IN VIOLATION OF THE MASTER CARD AGREEMENT THAT ASPIRE CREIDT CARD BE REQUIRED TO PAY ME ALL LOST INCOME LOST DURING THE TIME OF THE RENTAL WAS ATTEMPTED XXXX XXXX LAST 4 SSN LAST 4 CARD NUMBER XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (IL)

I paid my credit card off in full in XXXX, I charged something less than 35 % of my limit. In XXXX I get a letter saying that my credit limit has been decreased from {$2500.00} to {$800.00}. I have payed this card off several times when the bill was due with only two late payments. I called Elan financial and they said they would have to check my credit which of course now is going to look worse because of the credit decrease from them and now my utilization is higher. After speaking with them they said they would have to do a hard credit check to increase. I am not late and my next payment is not due until XXXX.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then XXXX  which I disputed and was deleted and now they sold it to southwest credit system. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MN)

my credit report show 2 companies reporting a collections I notified on XX/XX/2020 after 2 month no answer, but they verified this account as valid with XXXX, XXXX and XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation (OH)

Controlled Credit Corporation XXXX XXXX. XXXX XXXX XXXX OH XXXX This company has already contacted me for debt payment regarding XXXX XXXX XXXX. The payment has already been made to some person calling from their office. No receipt or acknowledgement sent. 

They keep asking about the same debt that was being paid. It appears they dont keep records and continue harassing customers. 

As indicated by University of XXXX XXXX Billing supervisor, it is against the hospital policy to continue harassing about reporting to credit bureau, in addition to their mismanagement of customer records. 

1. Information regarding the debt : a ) The debt has already been settled. 
b ) They owe me a refund on the debt, since XXXX hospital was using this fraudulent charge ( outrageously charged my insurance ) for non specific services performed without the knowledge of the patient. 
c ) XXXX hospital has been proved a big fake trying to make money with deliberate and misleading diagnosis. For example, using a patient who is perfectly healthy as a disabled fellow and trying to get money out of him. 

2. And, XXXX hospitals employ a bunch of collection agencies to make sure they get the left over scraps from the patient, after their insurances are duly attested.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

I have received a plethora of emails from a company named Resurgent Capital Services under the following email : ContactCS@em4965.ecollect.resurgent.com that has purchased old debt that was supposedly sold to them from one company to another. The most recent email sent on : XX/XX/2022, XXXX XXXX  Under the subject : XXXX, a legal review is approaching! mailed-by : em4965.ecollect.resurgent.com signed-by : ecollect.resurgent.com is an email threatening to send to send to a lawyer and threatening to sue me within 5 months time. There is no reasoning for the lawsuit when the debt has nothing to do with this company. I was in the XXXX XXXX XXXX and had a credit card debt many years ago and the debt was initially charged off and now it is being brought up as sold by the company from another company who I never even received correspondence from. I do not want to continue communications with this company getting harassing emails about being sued. I am a XXXX XXXX XXXXXXXX XXXX and this debt is not valid as I stated before the debt was written off / charged off. I have never even heard of the current owner of the debt nor received anything that they owned it and now sold it to this company this is all new information and not valid.I would like the company to stop harassing me with emails and or any communications as well as delete this debt. Whoever this debt they bought from which they are claiming is from : Current Owner : LVNV Funding LLC in the email is a company from which I have never heard of. The debt was initially charged off my XXXX XXXX XXXX XXXX and I have not heard of anything about this debt in years. It has never went to collections prior to so this is not a valid debt.
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Since XX/XX/2020, I have be attempting to have a Mr. Cooper ( Mortgage provider ) to accurately apply mortgage payments to the home mortgage account. Please see the attached document for a visual picture of the transactions taking place. Even with providing requested documents ( ie receipts ) the account has not been reflected accordingly. The mortgage provider continues to hold funds in an " Unapplied '' status when the bankruptcy attorney has requested the funding to be released to get accurate loan payoff to relocate mortgage loan.