davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I got a mail from " Credit Collection Services '' regarding to a bill from " XXXX XXXX '' with XXXX unpaid bill on XX/XX/XXXX. The file number is XXXX XXXX XXXX. And the DOS is XX/XX/XXXX. 

Since I never use this service and can't recognize the bill, I wrote a certified mail to " Credit Collection Services '' on XX/XX/XXXX to ask for verification of this debt. However, I didn't get any verification of this debt from Credit Collection Services at all. Instead, this company keeps on sending mail for the debt and report this debt on my credit report.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KS)

XXXX : After I called Aidvantage on XX/XX/XXXX about entering in an XXXX plan, they approved me into the XXXX  program using incorrect income information with a monthly payment of {$400.00}. As soon as I saw this document from them, I reached out again on XX/XX/XXXX about reducing my monthly payment. For reference, my XXXX XXXX was approximately $ XXXX, so there was no way I should be paying that much on a monthly basis. 

XXXX : I received a document from Aidvantage stating there was a change in my loan terms. The new monthly payment became {$300.00}. 

XXXX : I received another document from Aidvantage saying they automatically converted me to the XXXX plan. 

XXXX : I called Aidvantage many times about getting my monthly payment calculated correctly. I used the Studentaid.gov website to calculate my payment using the correct IRS info, and it should only be around $ XXXX. After several unhelpful representatives brushed me off, I finally found someone who confirmed that I should be paying that amount. He assured me that he would get this changed on their side. 

XXXX : 3 weeks later I received 2 documents from Aidvantage. The first one stated that " it's too soon to process your XXXX  recertification '' and that they were unable to process my recertification request. The second document is a monthly statement from XXXX with the incorrect payment amount of {$300.00} to be paid by XX/XX/XXXX. 

I plan on reaching out again, but I've been trying to get this settled since XXXX with many phone calls that were either disconnected mid-conversation or left uncertain. I shouldn't have to pay {$130.00} more per month just because Aidvantage is incorrectly managing my loan repayment plan.
Consumer complaint received 2022-08-17
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. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2023-05-08
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. (SC)

For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
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 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 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (AZ)

I have discover credit card account. I access it from my desktop computer using Windows 10 Operating system and firefox as a browser. Every time when i try to login - this website think that I am not the right person and challenges with the security code. Either i need to get it on my cell phone or on my email. Even if i check the button " remember my computer '' it asks me again and again ... .very frustrating.I am not deleting my cookies. Already reached to Discover via secure message center but i do n't think they will be of any help. Last time they disabled my discover bank credentials also and i end up with lots of issues. Working with the online website of discover is really painful, frustrating and total waste of time. Their entire IT operations should be scrutinized. I am attaching the screen shots and the email communications. As you can thrice in a day ( today ) -I was challenged to login to my account and then it sent me code on my email. Also i checked the " remember my computer '' button also. I had been telling this to Discover for long time.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NM)

On XX/XX/19 at aprox XXXX, a representative of the XXXX XXXX XXXX  XXXX  contacted me at my work I have repeatedly asked them not to call my work. This is thier 5th time doing so. Twice I even issued a verbal cease and assist for my job. When I have repeatedly told they representatives to not call my work and to take the number off, they have ignored me, they have never tried to contact me at my cellphone. The XXXX XXXX will not stop with its harassment
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Sir/Madam Amount is XXXX and some change. 

XX/XX/XXXX while i was at work, i went on break to purchase some food but my bank card wont work. I did try it three times but still wont work. So i decided to login on my bank App to check what is going but for some reason Bank of America changed my card for a new card no idea why. So when i looked my available balance, for some reason my balance were very low and started going on details of charges on my account. While i was scrolling down i found lot of charges with the name XXXX XXXX on my account and i contacted Bank of America as soon as possible to make it claim while two transactions with the same name still processing. I did mentioned about the processing transaction but they could not do anytime at the time. But i did call back next day to add that on my claim number. I really dont have access to my bank email because it is my school email and i have been Out of school since XXXX so i wont know my available balance neither get email alert. 

I have been checking all of my purchases online to see if I could find anything related to XXXX XXXX purchases and I have not found nothing that I ordered in the past or received from this website. I also went over my emails for purchases receipt and have not found anything related to XXXX . I am legitmately and beleive 100 % truthfully I have no idea who is this company because the is no where to be found. I also have no idea what the charges are for because it is not really telling me what i purchase and I do not recognize the charges amount, neither the website. 

Therefore, Investigate this matter because these transactions appear suspect. I have never received or buy any goods and services with this Company nor I have dealt with them in the past for any merchandise delivered to above address. I never spoke to anyone or ordered anything from this company. I did receive few alerts in regarding to to XXXX purchases and other site as well but unfortunately I have not gotten any fraud alerts in regarding to these charges, but my card was suspected and cancel by Bank of America. 



I would appreciated your help and a response. 

Thanks
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I've been fighting this issue for years. The last letter sent was XXXX of this year, and nothing happened. 

The account is paid off and they will not remove it. I'm trying to buy a home and this messing up my credit profile. 

I paid this account off in XXXX of XXXX. It's an old account from XXXX. Its the department of education and I need it removed. 

I paid the account off, its still showing delinquent, and messing up my profile significantly, and it shouldn't be. 

If its paid and they wont change the status, then I need it removed. I need to purchase a home.
Consumer complaint received 2023-03-31
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Platinum Finance Company, LLC (KS)

Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (NC)

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. 


Convergent Account # XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX balance XXXX  XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information. other than records of convIctions of crimes which antedates the report by more than seven years. 
15 U.S.C. 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.
Consumer complaint received 2024-02-08
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. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I usually pay My mortgage in payments in small amounts threwout the month because I don't usually have the total amount of the monthly payment since my fixed loan payments ( that I was told would not change ) got raised XXXX XXXX I couldn't get the hole amount to them one month and after which they told me that they wouldn't accept partial payments anymore. But yet still wanted me to pay them. In other words they tell me they want payments but then won't accept my payments. This is a blatin attempt to steal from me. It's wrong I've told them this several times. That added to undo stress caused by the extortion threats and harassing phone calls. I fear I may have to seek legal remedies
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (NJ)

On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved. 

The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone. 

On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond. 

Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score. 
The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN 's duty pursuant to the FCRA is to be reporting correct and accurate information on my credit report and file, however they are NOT. 
EXPERIAN is reporting an inaccurate late payment for the XXXX XXXX XXXX account beginning XXXX. They show a 30 day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED and this account should no longer appear on any credit reporting as it is CLOSED. I disputed this with them directly XXXX, XXXX. Furthermore, pursuant to 15 U.S.C.

1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.