davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (TX)

I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have this account removed immediately from my credit reports. 
Account # XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (DE)

on XX/XX/2019 I mailed a validation of debt and cease and desist all phone calls letter. The letter was received by XXXX on XXXX, XXXX I am still receiving phone calls from the collector
Consumer complaint received 2023-01-30
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$23000.00}
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (SC)

In XXXX 2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XXXX XXXX 2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I reached out to account holder number 1. 
I was told to send all my complaints to their fraud department. I did so, on XXXX XXXX 2020. Almost immediately, the agency came back, without a proper investigation, stated the allege debt belonged to me. This was done without acknowledging I had to file a police report, and a ID theft report with the FTC. 
Not once, had the agency provided proof or verification in their claim. 

I have requested on multiple occasions : XXXX, XXXX, and present of a copy of this loan agreement that they are standing by. I asked them to provide verification of my actual signature, a copy of my government identification, evidence that I in fact sent all this to the company, in requests of a " loan. '' To date, I haven't received anything to that effect. I have not received any for of communication, not through email, phone, or USPS stating the allege debt was in default and or in collections. There has been virtually no communication.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

US Bank has a card called relia card, its for unemployement benefits that is provided by the state to collect benefit payments if you dont have a account for direct deposit. Fraud was made with card, which is not banks fault but no security method in place to avoid it. Called multiple times to advised card not received and was never advised card was activated and used. Only became aware of fraud when 3rd card was mailed as expedited when was previously advised this was not an option and when i called to activate card it had XXXX balance from a benefit deposit of almost XXXX. All activity on account is suspicious as in amounts and transactions. They advised account was blocked due to suspicious activity but someone called and removed block. At this point im not sure what security verification was preformed but if it was basic informatio you would think the person commiting fraud already has it since they activated and used card to start with. At that point as a customer i expect bank to take high measures to protect my money. A dispute has been raised along with police report for identity theft but no resolition or money has been returned. I also requested a copy of statements for the detective and the bank sent a statement with wrong account number listed causing the investigation to slow down. This had been a headache and hardship on my famiky that has had XXXX income since pandemic hit and i counted with this money. I did not benefit in anyway from these funds and feel the bank is responsible for not taking security action to protect my account.
Consumer complaint received 2021-03-29
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. (MD)

Credit agent Experian XXXX XXXX I have disputed a XXXX XXXX account on my credit profile with Experian 3 times for inaccurate information, they keep updating this account to recent activities..this account need to be removed immediately.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc. (AZ)

On XX/XX/2021 I contacted RSI Enterprises about a derogatory remark on my credit report. I had made arrangements to pay the medical debt owed to be deducted automatically form my bank account. The final payment of {$470.00} to be drafted from my checking account on XX/XX/2021. I asked for a supervisor and I was denied to be transferred and was not given a reason. After repeated attempts I was routed to a supervisor and presented my question as to when the derogatory mark on my credit would be removed. The supervisor stated that they can not remove the derogatory remark form my credit " just for the mere fact that I had paid the debt in full '' She repeatedly stated that full payment did not mean I was clear. I had made payment arrangements and it was my understanding the balance I was paying was with the intent the collection was to be removed from my credit. I am working on a loan application and due to the point loss you acquired when this hit, it is hindering my credit and my ability to qualify for a Mortgage. Being a Veteran and having served overseas during war time and continue to serve my Country, it is unconscionable to me that a small medical collection can hinder my ability to obtain Mortgage financing especially when I had made arrangements to pay the debt in full. It is my hope that RSI Enterprises will do the right thing and delete their collection from my credit profile with the bureaus.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates placed a negative item on my credit report with out notifying me.portfolio recovery associates violated the early warning clause of FACTA section 623 ( A ) ( 7 ) .this law requires collectors to notify me by mail before placing negative items on my credit report.
Consumer complaint received 2021-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (NY)

I'm a single Mom, my daughter has an autoimmune XXXX covered by the Americans with Disabilities Act, I am sole caretaker to my XXXX year old XXXX Vet father with XXXX  XXXX XXXX and I'm about to lose my car because the lease is up and i was denied for financing because of Citibank 's inappropriate and inaccurate credit reporting. I am also recovering from being very ill with XXXX. 

Due to XXXX, I lost 50 % of my salary in XX/XX/2020. I was not making enough to even pay my mortgage- never mind food, utilities, etc. I called XXXX XXXX and they deferred my mortgage for 3 months. XXXX XXXX  XXXX XXXX deferred my loan with them for 3 months. XXXX XXXX deferred my car lease for 3 months. On XX/XX/2020 I called Citibank and asked to defer my loan for 3 months. They noted my account of my request and told me someone would contact me. I received no contact. Instead, I received a late notice. I called Citibank again. The woman I spoke with told me my XXXX and XXXX payments were late. She alleged Citi tried to reach me. I have NO messages, voicemails, etc. She told me it was a robo-call and robo-calls don't leave messages. But, she said she could defer my payments for XXXX and XXXX making my next payment due in XX/XX/2020. She also advised I could request late fees be waived when I made my payment in XXXX. 

Before I could make a payment in XX/XX/2020, I received a notice from a collection agency! Citibank sent my account to collections. This has destroyed my credit. I can not get a loan from my credit union or car financing. Prior to this, my account was in GOOD standing - all of my accounts were and my credit report was excellent. 

Citi has continually refused to help me telling me there is nothing they can do. I broke my IRA so I can pay my loan in full ( {$5700.00} ) today! But they will not help me. All I'm looking for is to pay my loan and for Citi to remove the negative reporting from my credit report. Citibank CAN Help me but they just do not care. This is a pandemic! There must be protection for me, I just need help. Please.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (OH)

Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. 

I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. 

Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.
Consumer complaint received 2017-08-09
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: Experian Information Solutions Inc. (NY)

I have previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

Usaa refuses to accept ach payments from my bank account. It is a XXXX called XXXX XXXX and direct competition to them. How is this legal. No other options to pay but ach. They will not accept debit card payments either. How is this my problem. I will not pay until they provide a way for me to do it without violating udaap.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I had my initial loan with XXXX and used the income based repayment plan. No issues. Then in 2015 it was sold to Navient and I have had nothing but issues. I have been trying for months to apply for a IBR as I have to do this yearly. I originally filed my W2 and an application as I was told that would be fine. I submitted this in the end of XXXX, however Navient claims they did n't receive it until XX/XX/XXXX. They also state they only accept that form until XXXX. But nowhere does it state that, nor was I ever told this in my phone calls with them. So, in mid XXXX I received 2 letters in the mail on the same date. One stating it was too early to apply for my IBR plan, and the 2nd saying it was time to apply for my IBR plan. I sent everything in a second time only to be told then that the W2 was no longer acceptable, and to please send in a copy of my pay stub. I did this right away, and now have received a notice that THIS is also not an acceptable form to show my income. I 've sent an email to their advocacy department and explained I am trying dilligently to make my payments, and set up a repayment plan, however I am getting jerked around and it feels like they 're doing this in order to make me pay more interest. Today I got a response via email saying there was something I had to log into to read and I never got that. I feel like I am getting nowhere with this company and my only option is to consolidate my loans and have them moved to another lender. This may result in me paying a higher interest. I have made faithful attempts to work with them and ask questions, only to not get the right information.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I REQUESTED A MODIFICATION FOR MY HOME LOAN TO CARRINGTON MORTGAGE SERVICES, I STATED TO REQUEST THIS MODIFICATION ON  XXXX OF XXXX. THE REASON WHY I REQUESTED THIS MODIFICATION WAS BECAUSE OF I HAD FINANCIAL PROBLEMS WITH MY BUSINESS. ON THIS PERIOD OF TIME I MADE SURE I MADE AT LEAST NOT TO HAVE MORE THAN 3 PAYMENT IN A ROLE, SO THAT MY ACCOUNT DID NOT GO TO FORECLOSURE. FOR THE 3 MONTHS THAT I WAS BEHIND I REQUESTED TO SKIPPED UNTIL THE LAST PAYMENTS OF MY MORTGAGE .FINALY THEY PROVIDE ME WITH AN APPROVED LETTER SAY THAT THEY APROVE ME FOR A BALLOON PAYMEN SHALL MEAN A FINAL PAYMENT .THIS  WAS APPROVED IN XX/XX/XXXX JUST WHENT THE PANDEMIC OF COVID BEGAN. I STARTED TO LOOK OUT FOR HELP, AND THEY TOLD ME THAT I DID NOT QUALIFY FOR THE COVID 19 HELP, BECAUSE IT VAS A CONVENTIONAL LOAN, AND THEY SAY I HAD TO APPLY FOR ANOTHER MODIFICATION, I DON'T AGREE WITH THAT BECAUSE OF THE PANDIMIC HAS HAS AFFECTED ME FINANCIALLY AND I HAVE NOT BEEN ABLE TO WORK. IM TRING TO GET HELP AND GET MORE  TIME AND IM WORRIED I DONT ' WANT TO LOOSE MY HOME. I HAVE BEEN SENDING THEM LETTER, AND CALLING ALL THE TIME TO GET HELP AND THEY DON'T HAVE ANY ANWER, THEY ALWAYS TELL I NEED TO WAIT AND SEND SO MANY PAPER WORK OF THE SAME .AND I ALWAYS GET DIFFERENT ANSWERS. THE LAST TIME THEY TOLD ME THEY WHERE NOTE SURE IF THEY ARE GOING TO GIME ME THE HELP
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2020-05-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

I am currently on a payment deferment on this lease with VW because of the Coronoa Virus outbreak. They reported me late 30 days last month even though I am on a {$0.00} monthly payment with them. I called to try and fix it and they said they needed to see a dispute before they could fix it. this seems outrageous! please help me!
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (CO)

I am XXXX XXXX XXXX with XXXX  XXXX XXXX. I am renting and own no property. I live from a small IRA, Social Security and a large contribution monthly from my oldest son. 
My second son, XXXX XXXX XXXX borrowed from a private lender while attending XXXX XXXX XXXX XXXX I ended up cosigning XXXX student loans while he was a student almost 30 years ago. 
He has been unable to pay off his loans due to the overall size of his debt. The company now handling the loans is Navient. He is currently on a repayment plan with Navient for loan # XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had all of our credit cards in her name because she had excellent credit scores. We have never had consumer debt, always paid our obligations on time and we have never use any credit except mortgages when we owned our home. 
I am now left with being unable to obtain any credit cards in my name because the student loans reported by Navient are in arrears. I have no debts except a car loan which I pay monthly and always on time. 
I would simply ask that Navient remove me from the credit report since I have no assets and they will not have anything to collect when I die. It serves no purpose to continue to have me on this loan as a co-signer since I have no assets and limited income. 
It remains a source of family stress in my/our relations and there is no hope that Navient will received any proceeds when I die. I have life insurance and a small IRA both of which are not available to lenders.