davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (MO)

15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions!

15 U.S.C 1692k - Civil Liabilities!

Sun loan - This account should not be on my credit report, reporting improperly. 
XXXX XXXX XXXX XXXX never gave written consent to report this! 
XXXX XXXXXXXX XXXX - reporting illegally and improperly XXXX XXXX XXXX  - XXXX - reporting illegally and improperly, this account has already been removed from other bureaus!
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from theXX/XX/XXXX data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.
Consumer complaint received 2022-04-14
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. (NY)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.
Consumer complaint received 2022-04-14
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. (NY)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (CO)

I called Penn Credit in XXXX about 2 accounts that they are trying to collect against me. They told me the address of that these 2 utility accounts were for. The address they gave me was the same NJ address as a XXXX account that was opened with my SSN. I have since resolved the XXXX  issue and just need to get rid of these collections. The gentleman on the phone said he needed to mail me a " fraud packet. '' I have received more than one letter from Penn Credit for the collections but have never received the fraud packet in the mail. It's unacceptable that Penn Credit has not provided what they promised in a reasonable time. I was told on XX/XX/XXXX  that they would mail me the packet.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I sent my mortgage payment in the amount of {$180.00} on XXXX to Fay Servicing. Fay Servicing LLC sent the payment ( my check ) back stating that account was in active pre foreclosure or foreclosure status on XX/XX/XXXX. I called Fay servicing on XXXX and was told I had an attorney and they could not speak with me. I do NOT have an attorney and had they checked the Bankruptcy records and properly documented the account they would see I can represent myself. By their own statement it showed I was current and paid ahead until XX/XX/XXXX and that the balance due for that payment was only {$65.00}. Fay took my previous XXXX payments from XX/XX/XXXX without issue. Fay Servicing took over servicing of this loan around XX/XX/XXXX. I NEVER had a problem with making payments over the past almost 7 years with the previous servicers. I am concerned Fay Servicing is dealing in deceptive practices forcing on time borrowers into foreclosure by their, Fay Servicing, own doing. I might suggest that Fay Servicing provides evidence as to how many other people they are sending back payments on to put them in a delinquency scenario.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My initial contact with Experian and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. Experian and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX  on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this Experian, XXXXXXXX XXXX and XXXX.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (VA)

On XX/XX/2023 I received an email from Experian Identity Works requesting that I " Review an Identity Notification ''. I do not click on any unsolicited emails. I went to experian.com and attempted to log in to my account. There system did not recognize my input data and there was no mechanism for a password reset. I tried the following telephone numbers in order to resolve the login issue : XXXX, XXXX, XXXX and XXXX. All XXXX telephone numbers appear to go to the same recording system. None of the prompts on any of the numbers allows you to get assistance in connecting to your account, requesting a new password or speaking to a human being. A XXXX search shows that many other people have encountered this issue.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Good evening, My student loan was transferred to MOHELA some time ago. Their handling has been absolutely abysmal. I was supposed to get a deferment from XXXX XXXX XXXX, XXXX. I was, instead, billed each of those months. 

In addition, I applied to renew my XXXX XX/XX/XXXX. It was approved and assessed by the Department of Education, and sent to MOHELA ; on XX/XX/XXXX. My estimated payment was approximately {$650.00} per month. 

In early XXXX, MOHELA sent an email with my new estimated payment. They are asking {$5600.00} per month, almost my entire paycheck. I called for clarification and was on hold for XXXX hours. At that point, I was told they put me on the straight repayment plan and said they had many repayment options to include XXXX. When I explained that I applied for that in XXXX, the service agent did not know why it wasnt considered and sent me to a XXXX. I was on hold an additional XXXX hours. I was assured that it would be expedited and processed in XXXX days. 

A week later, I received a letter that my request was being delayed and I could expect an ANSWER in XXXX BUSINESS days. If approved, it will end up taking 7 months just to approve my IDR amount approved by the Department of Education within a week. 

In the meantime, I either have to pay my entire paycheck, leaving no money for my house payment, food, medicine and services for my daughter, and utilities ; go into default ; or hope to get a forbearance, which will increase my interest AND push back my eligibility for XXXX due to their incompetence. 

They should be held accountable and should be required to put us on PSLF counting forbearance, and all interest be waived, until they get their act together. 

Please assist.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

- Hackers stole {$5000.00} via an External Account connection with my account on XX/XX/year> - Credit Union did not send a XXXX verification, one-time-pin or email requesting to establish connection to an External Account, but made the connection on XX/XX/XXXX at XXXX - At XXXX XXXX on XX/XX/XXXX, {$5000.00} was withdrawn and sent email confirming transfer. 
- Immediately called at XXXX am to report fraud and request hold or reverse charge - Spent over XXXX hours until XXXX to report fraud to Navy Federal Credit Union XXXX NFCU sent letter on XX/XX/XXXX that they denied my fraud claim. Requested additional information per letter, but NFCU stated they were unable to provide further information - Initially, NFCU credited me the $ XXXX, but reversed the credit after their determination letter - I've lost $ XXXX and I don't believe it's my fault - Any help would be appreciated
Consumer complaint received 2022-04-14
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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time USAA credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (TX)

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is Vance and Huffman. 

Fast forward to XX/XX/2022 Vance and Huffman LLC removed their negative item from my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.
Consumer complaint received 2022-04-14
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)

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX/XXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( XXXX XXXX XXXX XXXX # XXXX ) 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 instructions
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (CA)

despite both the FTC identity affidavit brief provided and filed XXXX XXXX sherriffs police report - equifax is the only bureau refusing to take action and remedy the effects of identity theft on my credit report. 

I am flabbergasted and dumbfounded by how the victim is being victimized by a " consumer '' agency that I previously thought of as the hero and not the villain as they are here. 

Please compel them to stop throwing salt on my proverbial open wound. Next step is to litigate them but I want to make sure I file this complaint to their regulatory board so that they are held accountable for this blatant disregard of consumer rights ( and human decency )
Consumer complaint received 2022-04-14
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. (CO)

I sent out a dispute letter to the company and the credit bureaus and I was sent a letter stating they will not reinvestigate the account that was not verified. They would not provide me information regarding what was the method of verification who they spoke to etc
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

I have contacted this collection agency on several attempts.I 've got no results from them.I asked them to remove the account from my credit report due to an accurate information and not able to show proof where this account was signed. They have this account link to the last a four digits of my social not the complete social and a different name therefore this is in accurate information and I would like it to be removed from my file.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MI)

This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to. 




I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt. 
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message. 


XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VT)

PSLF issue -- XX/XX/XXXX federal admin forebearance not counted toward PSLF -- called Mohela early XX/XX/XXXX to get this marked as " eligible '' for PSLF instead of " ineligible ''. Then XXXX payment/forebearance ***disappeared from my account entirely*** which is perplexing. 

Called them again XX/XX/XXXX to get this anomaly fixed, no results. 

Current qualifying payment count as of XX/XX/XXXX is XXXX XXXXXXXX payments ( which should be XXXX if they had actually counted the eligible federally mandated XX/XX/XXXX forebearance ). Now I am paying into XXXX despite having reached PSLF forgiveness threshold as of XXXX AND having recertified employment XXXX  since the XXXX payment. 

No updates to my account from this call. 

Advised that once payment count hits XXXX XXXX to call them back and resubmit the employment certification AGAIN. 

Advised that once form is received forgiveness may take up to XXXX business days to be processed. 

Problems cited above : 1. Failure to properly implement federally mandated PSLF eligible mandatory forebearance for XX/XX/XXXX. 
2. Failure to count payments correctly.

3. Direct financial harm. Requiring payments beyond PSLF threshold due to
# 1 and # 2.

4. Failure of timely/reasonable action. Advising us that
PSLF forgiveness may take up to XXXX BUSINESS DAYS ( this means XXXX WEEKS which is over XXXX MONTHS ) to process -- how does this not constitute financial harm. 
5. PROFITEERING. If they get paid for XXXX extra months, and then take even more time to refund our overpayments, they are definitely making crazy amounts of money in interest on our money for the XXXX months while they have it!
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (NY)

My name is XXXX XXXX and I am a blue all access net spend customer and net spend is cutting me off for no reasons at all. I had an issue with a supermarket that was supposed to give me back XXXX and never did and also got a broken wheel chair scooter device scam that was XXXX and net I told net spend I am in the hospital rehab for 5 years and longer and I don't know how much longer I am going to be here for.

I have no family help and friends help and no other financial institution because I have not been out in a long time and I can't take checks in the hospital rehab because problems with mail and things get lost in the hospital rehab and I get month checks that comes from the post office once a month on my card plus I pay my bills and use the card to buy things with. 

If you don't put me again I will get a lawyer and take you to court and sue you and or take you to small claims court and sue you there that's how upset I am with you guys at net spend. 

Please respond From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-06-11
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: Lloyd & McDaniel, PLC (GA)

This company continues to patronize and harass me as a third party collector for XXXX XXXXXXXX. I never received any debt validation letter stating that I owed the debt or verified the accuracy of this account. This company continues to send threatening letters regarding taking legal actions for a debt neither XXXX XXXX nor XXXX and XXXX have proved is owed.
Consumer complaint received 2022-04-14
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: WHEELS FINANCIAL GROUP, LLC. (FL)

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX  XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX  XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : -800 LOAN MARTXXXX XXXXXX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my XXXX  loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX  for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.