davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX  EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX  PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.
Consumer complaint received 2019-06-14
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: CITIBANK, N.A. (NC)

On XX/XX/2019 I called my Sears MC /Citi bank to make my XXXX payment. I discovered that this company lowered my credit limit. The agent I spoke with about this change to my account said that Citi bank had nothing to do with this action on my account, that It was done by XXXX. I called XXXX and they denied such action and referred me to Consumer Finance.gov. and XXXX. 

My issue is that on XX/XX/2019 I made a payment to Sears MC in the amount of {$3500.00}. After they took my money, they lowered my credit limit to XXXX. This action put my credit as high risk, because at the time that they lowered my credit limit, I had a balance of {$1200.00} which in turn maximized my usage and lowered my credit score. 
This is unfair business practice and I would like my credit limit increased or my {$3500.00} returned.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AAS Debt Recovery, Inc. (OH)

AAA DEBT RECOVERY INC/AAS Debt Recovery Inc POB XXXX XXXX, PA XXXX I have an account that needs to be deleted it is not accurate it is listed as owed when it was discharged in Bankruptcy Chapter XXXX. Please remove this account from all 3 credit Bureaus it is in error. Please filing XXXX form.
Consumer complaint received 2023-05-09
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. (GA)

My name is XXXX 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 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IL)

A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.
Consumer complaint received 2023-05-09
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Filing a new complaint to follow up on my previous complaint about the 1099-C that Nelnet stated is fraudulent. I am writing to file a new complaint against Nelnet, a student loan servicer. I previously filed a complaint about a 1099-C that Nelnet issued to me. Nelnet has not provided me with any documentation to support their claim that the 1099-C is fraud, and they have also refused to provide me with a copy of my original promissory note. I am now requesting that Nelnet provide me with the following documentation : 1. Documentation on how they reached the decision that the 1099-C is fraud 2. A copy of my original promissory note FCRA Violations : 1. Nelnet reported my student loan account to my credit without my consent. 2. Nelnet never gave me the option to opt out of having my credit report shared with non-affiliates. FDCPA Violations : 1. Nelnet did not provide me with documentation to support their claim that the 1099-C is fraud. TILA Violations : 1. Nelnet failed to provide me with clear and accurate information about my student loan account. 2. Nelnet engaged in unfair and deceptive lending practices. I have attached documentation to this complaint showing that the 1099-C was accepted by the IRS and a copy of the 1099-C. Student loans are a federal debt backed by the full faith and credit of the United States. Nelnet is required to comply with the law and provide me with the documentation that I have requested. 
Nelnet is also not the original lender but only the servicer. Nelnet is also part of the securitization fraud for this commercial paper. According to the purchase agreements, Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX will sell the loans to Nelnet Student Loan Funding III LLC ( the depositor ), which will sell the loans to the issuing trust. In rating this transaction, XXXX XXXX XXXX XXXX XXXX will review the relevant legal matters as outlined in its criteria.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VT)

I am having Issues with the mortgage company Ocwen loan servicing and also Phh mortgage   company. My first complaint was answered but not completely solved. this has been the most aggravating process since XX/XX/2019. I am looking for help to solve the problem of making payments and making them for the correct amount. every time I call the mortgage company I get the run around and I am told to call back in a week. I have asked for correspondence to reflect my current payments so I can start to make payments, but no one can tell me what my monthly payment should be. They have sent my payments back several times claiming they are not received on time, which is a lie and I have tracking numbers to prove it. I need to have a brand new loan modification done to satisfy my problems. I need to be able to make payments, I can not wait and wait and then come up with a huge amount of money. I have lots of financial bills to be paid and while the mortgage company doesn't take my payment, i will pay some one who will. 
there needs to be something done, I have been waiting two weeks now and still no answers, I received correspondence saying to please be patient they are still working on it. this is nonsense, how can a company function like this.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

on XX/XX/2021, I called the debt collector to see the status. They said it was paid in full but still took XXXX more on XX/XX/2021. I tried XXXX XXXX XXXX but that failed twice. I have received any documents or correspondence from Collection Bureau of America. I feel that they did not tell the truth to XXXX  They owe me XXXX.
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (LA)

YOUR COMPLAINT I applied for this installment loan on XX/XX/XXXX2019 for the amount of {$800.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 646.25 %. 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XXXX/XXXX/19, & XXXX/XXXX/19. A total of {$480.00} I closed this checking account because I had taken out several of these in the middle of a gambling spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX problem and am in XXXX and XXXX   XXXX. I am getting help for this problem. 
I have contacted MyLoanSite and asked for a settlement. They will not accept less than {$1100.00}. Making me pay a total of {$1500.00} for a {$800.00} loan. I was told that I could pay {$180.00} per month for 5 months and a final payment of {$170.00}. I am asking for a more reasonable settlement or lower monthly payments as I can not afford to pay {$170.00} per month. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Consumer complaint received 2023-05-09
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. (NM)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file 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 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 2019-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (MI)

Approximately XXXX XXXX, 2019, I was solicited to open a Paypal line of credit, PayPal also solicited numerous advantages for having their line of credit including taking 6 months or longer to pay for items with no interest. As a result of PayPal 's promises I Applied for and was approved for the PayPal line of credit. with a credit limit of {$3000.00} However, and somewhat incredibly I am not able to use it for anything. I have make numerous attempts to use their line of credit for purchases between {$200.00} - {$750.00}, each attempt has been with Merchants who DO accept Paypals line of credit. Each time I have been declined with no specific explanation, I only get a standard response which does not address my specific reasons for being declined. I have also made numerous, like dozens of attempts to reach PayPal through their messaging and help platform. Each time I get the identical standard response which again does not address my question or problems. PayPal just gives me a run around and has wasted hours of my time, Further, if I knew PayPal has a restriction when you first are approved I would have never applied. Now my credit score has decreased as a result of the credit pull. PayPal seriously and on purpose misleads consumers to apply for their line of credit. I give up trying to use it, Wish I never applied
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (NC)

This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : 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 XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (TN)

Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted XXXX, XXXX XXXX, and Transunion several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I was told that there was a credit card that I owe {$2800.00} for on my XXXX credit report that is not mine. And theres an account number of XXXX I called Midland funding who has it in collection trying to collect for me and I told him it was fraudulent and they were asking me for a affidavit fraud affidavit to send them.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

I received a phone call on XX/XX/XXXX at XXXX XXXX while driving home from work. The call was from a collection agency notifying me that I owed money from an unpaid utility bill in the amount of approximately {$160.00}. They mentioned they had sent a notice via US mail, I asked what address it was sent to and they gave me an address at which I've never resided. I supplied them with my updated address and they were going to send me bill. I mentioned I was not able to give them any payment information at the moment since I was operating a motor vehicle. 

The morning of XX/XX/XXXX I checked my credit report and noticed the collections agency had reported the account to the credit bureaus. I still had not received a notice in the mail so I tracked down the number of the agency, Radius Global Solutions, from the credit report and paid the debt of {$160.00}. They mentioned they would report the debt as paid to the credit bureaus, however I'd like collections account to be removed entirely from my credit reports since the debt was paid within a week of actually receiving notice. 

Thank you
Consumer complaint received 2019-06-14
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)

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-10
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-02-10
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XX/XX/2022.
Consumer complaint received 2023-05-09
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. (GA)

I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; 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 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX