davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I have called numerous times to pay back my loans when I have been continuously forced into a forbearance or deferment that is just tacking on more interest. I have applied for multiple repayment plans and instead of giving me a reasonable rate, they have expected me to pay them of {$600.00} per month on a {$35000.00} year salary. The company has denied all request, returned all letters without any explanation other than that I was simply " denied ''. I 've been forced to consolidate my loans through another lender with an overbearing interest rate. Now I am not only forced to pay thousands of dollars tacked on by the Navient, but additional thousands in interest from the new consolidation firm. The mistreatment and thousands of dollars they have tacked on to the initial loans are unethical. They do not allow you to understand the loans and what you are getting yourself into. This company is not for furthering your education, they are only for profit.
Consumer complaint received 2022-09-09
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. (CA)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

XXXX  XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$340.00}.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-01-30
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. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This was a car loan that was taken out by me and miss XXXX XXXX and she turn the car in and when they sold the car they never try to reachout to her and only went after me in the process and when I asked for verification of debt the paperwork was not the original paperwork it was a whole different company and then they did not want to fix it and they have been garnishing my pay check for the last at least 2 years with no real proof
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Consumer complaint received 2022-08-10
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)

I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I sent a letter to all three credit bureaus to dispute a debt from Portfolio Recovery Associates on week of XXXX XXXX and PRA sent a letter on XXXX XXXX saying they bought the debt from XXXX XXXX. They did n't validate this debt because they said they got it electronically. I sent them a letter to fill out in order to validate this debt on the week on XXXX XXXX ; they fail to validate but they updated on my credit reports that the debt meets FCRA requirements. This collection agency even have my first and last name spelled wrong.
Consumer complaint received 2017-07-11
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: Experian Information Solutions Inc. (NC)

I opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.
Consumer complaint received 2018-01-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with BOA, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.
Consumer complaint received 2017-12-29
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. (TX)

I have previously submitted disputes to XXXX and Experian regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX In - Amt Obtained {$7000.00} - FRAUD
Consumer complaint received 2017-07-11
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. (IA)

Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

The week on XX/XX/XXXX I sent a letter to the credit bureaus to dispute XXXX XXXX and I recieved a letter from XXXX on XX/XX/XXXX saying who they are and that they were collecting a debt so I sent a letter for them to fill out and validate this debt but they fail to do so. They reported to my credit file " Sisputed by consumers meet FCRA Requirements but they never validated for me.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion furnaced information on my credit report incorrectly. I reached out and disputed items and they updated the report to information that was correct regarding employer and late payments. Transunion had and Incorrect employer. They also had a late payment reflecting with credit one that was incorrect and in violation of reporting regulations.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

I was removed as an Authorized user for a Discover account in XXXX, XXXX. However XXXX and XXXX credit bureaus are still reporting this account as active. 
I am requesting Discover provide me the XX/XX/XXXX AUD they submitted to XXXX, XXXX, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using XXXX to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim Discover never submitted an AUD updating the information concerning this discover account
Consumer complaint received 2018-01-01
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: SYNCHRONY FINANCIAL (KY)

This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I was never late with XXXX XXXX and XXXX XXXX reported me late for XXXX and XXXX of 2017. XXXX XXXX also reported me to my credit report agency as late. Again best of my knowledge I was never late.
Consumer complaint received 2022-09-09
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. (PA)

I review a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that should be deleted from my credit report. This account is not reporting the same information on all three of the credit bureaus. Due to the fair credit reporting act By law, I have rights to dispute anything thats not accurate on my credit report. I would like this account deleted since it is not 100 percent accurate reporting to all three credit bureaus. I am sending this letter as another attempt to have these account deleted. Could you please delete the following account I also sent in a certified letter the tracking number is as followed : XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2024-01-30
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. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (FL)

I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. 

Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (ID)

Moved from XXXX to XXXX with XXXX on XX/XX/XXXX. Started new XXXX service XX/XX/XXXX unbundled due to lack of availability of XXXX phone and internet service. Account # stayed the same but I was being charged for extra XXXX and not receiving my bills on line. On XX/XX/XXXX I called XXXX and they stated they could not help me I had to call XXXX and speak with a representative and provided me with the phone number. I spoke with XXXX and they cleared up my account. Apparently I was being charged for XX/XX/XXXX under my XXXX account # XXXX and my XXXX account XXXX. XXXX credited my account the {$130.00} from my XXXX account number XXXX. In XX/XX/XXXX I received a bill for the {$130.00} and assumed it was an over lap in mailing. In XX/XX/XXXX I received another bill from XXXX for {$130.00} and called XXXX in an attempt to resolve the issue. I made several different phone calls and received the same answer : the billing dates were not duplicated. I finally called a number in DC ( i think ) that was sudence ppose to handle XXXX billing complaints. After several attempts to try and get her to see the overlap in dates, she finally agreed and stated I would be sent out a new bill. I waited for the new bill and what arrived was a letter from a collection agency, XXXX XXXX, account # XXXX.I have filed two separate disputes with copies of my bills and have received and email in both cases from Credence stating " XXXX states the charges are correct. ''
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

My cardmember agreement provides a cash back reward of 5 % on mobile phone charges paid by the card. As it is generally the only charge I make with the card, the statement and rebate numbers are typical from month to month. There were errors in the percentage of cash back in XX/XX/XXXX, XX/XX/XXXX in which I only received a 1 % rebate. I contacted them in XX/XX/XXXX and was told it would be taken care of and my account adjusted. This was never done. I was lied to. The same thing happened on the XX/XX/XXXX statement where I only received a 1 % rebate instead of my normal 5 % rebate. I just spent several hours on their chat to no avail. We have used this method for payment of the phone bill for many years and it is obvious that the error is on the part of American Express. I am being told by Amex that there is NO error on their part. They are in breach of their agreement with the cardholder. If they are stealing from me, I am sure they are stealing from other cardholders.
Consumer complaint received 2018-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX