davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2020-06-10
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ditech Financial LLC (NY)

My name is XXXX XXXX, on XX/XX/2011, I received an offer from Green Tree Bank ( 2nd. Small amount Loan ) They offered me to pay {$20000.00} as settlement in full on the account, and they will applied to our remaining balance of {$77000.00}, so I took the offer and it was sent by wire transfer the amount to Green Tree from my account in XXXX XXXX, the amount that they were requesting so I verified by phone with a Green Tree Bank specialist the amount and the receipt of the money, and they were supposed to send me a payoff letter or release the deed of trust mortgage, I waited and called many times requesting these documents but never sent me anything, Green Tree Bank closed their operations in U. S. 
I am still wondering how can I have the release, no one gives me an answer I called many times to explain this situation to many numbers, right now Im in a process to get an Home Equity Loan with XXXX but now they said that a have a Lien in the record of my property that needs to be resolved of $ XXXX which was the original amount of my mortgage with Gree Tree Bank, so that looks that they never process the payoff and release the deed, Im confused right now because I dont know what Im supposed to do, which company I should call. Green Tree bank was sold to Ditech bank. Ditech bank was sold to XXXX. I have called XXXX and they do not have any records, however, they are working with XXXX XXXX and XXXX XXXX. Please help me resolve this problem and get the release letter or remove the Lien. I will send you proof of the payment and the letter of the agreement we made in 2011. 
Please if any additional information is needed dont hesitate to contact me anytime to my cell phone XXXX or via email to : XXXX or XXXX XXXX
Consumer complaint received 2018-03-04
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. (IL)

written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. ()

Today is in XX/XX/XXXX I have done my annual financial review and noticed now my loans were not decreasing as much as expected. I took a series of 3 loans from Sallie Mae for a total of {$25000.00} to pay for my university education where I received a masters in physics. 

According to Navient I have {$15000.00} outstanding with a range of interests from 6.5 to 7.38 %. These were originally under 6 % but have been climbing steadily over the last years. 

I have been making monthly payments of currently {$250.00} but back in XX/XX/XXXX it was closer to {$320.00} per month. 

My balance is tracked and recorded by myself regularly but just for this complaint I will take the numbers from XX/XX/XXXX where the balance was {$21000.00}. The loan interest on these per month would be {$100.00} down to {$91.00} over this period. Despite having a large principle drop adding up to {$5400.00} the rate has increased and the overall interest is nearly flat despite such a large decrease. 

Over a 36 month period I see {$150.00} per month on average applied to the loan principle per month. 

There is also a {$17.00} per month fee. 

The complaint!!! 
Why does my account have such a massive fee? This will add up to over {$3000.00} in fees over the multi year lifetime of my loan, additionally the fee means my payment will not apply to the interest and cost me much more than the fee itself over the lifetime of the loan. I have asked repeatedly about this and gotten no response.
Consumer complaint received 2018-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My student loan servicer is Navient. My student loans according to my credit reports have been transferred several times between XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Navient. 

Each of these transfers occurred during a 5-year bankruptcy and I need complete  detailed records from each transfer to be sure all payments were accounted for prior to, during, and after the transfers. 

The federal bankruptcy court trustee provided me with a list of 36 payments totaling over seven thousand dollars paid in XX/XX/XXXX & XX/XX/XXXX that I don't believe were credited to my student loans, because the balances never change. Details of these payments were sent to Navient three times. 

Navient appears to be having difficulties producing a simple list of all activity [ debits & credits ] on my two student loans. The Navient website is useless because it only contains the student loan balances with no payment history. My quarterly statements from Navient show no last payment dates or amounts. 

I need help obtaining a simple detailed account history of all charges and payments from loan inception to today. I have sent letters to Navient on XX/XX/XXXX, XX/XX/XXXX, and an email today XX/XX/XXXX to their advocate. 

Any help from the CFPB would be greatly appreciated.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I disputed a {$2000.00} loan I got through XXXX! It took over 2 months! A regular bank would have took 1-3 days! XXXX told me I didnt need to keep making payments! I figured I would get refunded my money and no longer have that loan within a month anyway! Once I saw my score dropped XXXX points on Experian, I then paid the loan in full! They finally disputed and refunded me my money back soon after. But my score is still low, it still shows I owe on that loan, and it still shows I have a late payment when I was told I didnt have to keep making payments! Funny how my score never increases when I make the payments, but soon as I stop, my credit score takes a hit!
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (TN)

On XX/XX/2020, I received a written notice from Allied International Credit Corporation, which was dated XX/XX/2020, with no postmark regarding an alleged debt in my name from XXXX in the amount of {$150.00}. I immediately called AIC Corp. at XXXX and spoke with XXXX. XXXX asked me to verify my address, which I did. Based on this he was unable to pull up my information. He then asked for my email address. I gave him my email address. But once again, he could not verify my information. He told me to disregard this notice. However, when I raised concern around an alleged debt being in my name and sent to my current address, he was unable to provide any additional information or reassurances that this debt would go away. I asked repeatedly for something in writing that would inform me that he was unable to verify this debt, but he refused. I then asked to speak with a supervisor. After a few moments, XXXX came back and said that they sole supervisor was in a meeting and would only be able to call me back. When I asked for the name of the supervisor that he allegedly just spoke to, he could not provide it, and instead had to " look up '' the name of this individual. XXXX informed me this his supervisor 's name was XXXX and that he would be calling me back within the hours of XXXX XXXX and XXXX XXXX EST on XX/XX/2020 to the number that I called in from. As of this writing, XXXX XXXX   EST, I have not received a follow-up phone call from AIC. I wish to dispute this alleged debt.
Consumer complaint received 2022-12-27
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2019 PayPal " permanently limited '' my business account and froze my assets of {$610.00} for 180 days during which time this money earned no interest yet it was more than likely used by PayPal to earn interest. After the 180 days passed I was allowed to withdraw the {$610.00} on XX/XX/2019 however I needed to link my personal bank account to the now useless business profile on PayPal. After doing so and withdrawing my assets I requested in XXXX to have this useless business account closed and on XX/XX/2019 PayPal has refused to do so. In addition PayPal will not allow the deletion of my personal banking information from this account. In the event that PayPal is hacked my personal banking information is exposed for no reason simply because PayPal will not close my useless business account.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IA)

I have repeatedly disputed with lvnv funding about this account they keep emailing me about. They are harassing me about it and they are violating fair debt collection act by not giving me the information I requested in the allotted time.
Consumer complaint received 2023-11-28
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. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2019-02-12
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: EQUIFAX, INC. (CA)

I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XXXX which is why I paid {$62.00} to catch up and I also paid again in XXXX. So I made a total of 3 payments in XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XXXX and that's why I paid $ XXXX  monthly.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The Contract Related to this account has been canceled, NO CONTRACT, Please provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transferred to another lender please provide any agreement between the original creditor and new lender or collection company
Consumer complaint received 2023-05-13
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. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-12-27
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. (FL)

XXXX  XXXX account number XXXX opened XX/XX/XXXX has sold my information to XXXX XXXX which is a company that is not licensed to collect in there state neither in the state of Georgia. 

XXXX XXXX XXXX  account number XXXX opened XXXX XXXX has sold a debt to XXXX which is not licensed to collect in either. 


XXXX XXXX XXXX is a inquiry on XX/XX/XXXX that does not reflect to any open accounts on my profile. 

XXXX XXXX is a inquiry on my credit report that does reflect any open accounts on my credit. 

XXXX XXXX  XXXX XXXX on XX/XX/XXXX is a inquiry that doesnt reflect as a open account on my credit report. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I was late on payments which is not true. 

XXXX XXXX XXXXXX/XX/XXXX account number XXXX is not reporting correctly alleging that I have made late payments which is not true.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (CA)

XX/XX/21 Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company called me for a person that I do not know and have never heard of. I called them back and told them that they have the wrong phone number, and they told me that they would take my phone number out of their system. I received a second call for the same person. I called back again and the woman told me " you don't need to keep calling, we took your number out of the system ''. I pointed out that they had called me after I was told that my phone number was removed. She hung up on me. I called again and asked to speak to someone in supervision and she rudely reiterated that they had taken my number out of their system. I told her that I was going to make a complaint against her company with the CFPB and my State Attorney General office.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXXe using comenity bank charged for membership fees I did not authorize. I never opend account with comenity bank. I was told XXXX would credit account 3 times but I'm still getting statements for membership and late fees.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NV)

SANTANDER CONSUMER USA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (GA)

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late )  XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( Equifax ) UNKNOWN - Opened XXXX ( Equifax )