davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2017-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I was in a accident on XX/XX/XXXX where my car was totaled. Because of this my insurance paid XXXX off of the loan on. There was a small amount left XXXX dollars left. I was contacted about the amount by Credit Acceptance which I told them they would be paid but I would need a car to get back and forth to work right away then I would pay them off afterward. 
I did asked if they could add the amount on to the loan with the new car if not I would have to get car first then pay the remaining balance off soon after. Honestly I could have waited for the settlement from the accident to pay it. It was almost paid off years ahead of time at 23 % interest. 
Even though I let them know of the accident they have called several times in a week sometimes in a day. They know the situation of me having been out of work for 2 months on doctor 's orders and even though I went back to work I would have to use my pay for the first couple of weeks to buy a car for work. 
We went to get a car XX/XX/XXXX and we have found out that they sent the balance to collections even though I have paid all the way up to the accident and then the insurance paid most of the balance. 
Credit Acceptance has been paid almost all of the loan except for maybe the interest by XXXX XXXX XXXX. I feel as a first time credit purchase this company has tried to strong arm into paying off the total balance despite the situation.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information.
The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX  Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.
Consumer complaint received 2020-07-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from Portfolio Recovery A ( collection agency ). XXXX  and Portfolio Recovery A has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( Portfolio Recovery A ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. Portfolio Recovery A ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against Portfolio Recovery A and XXXX  credit reporting Co for illegal re-aging practices.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NC)

I made an appointment at XXXX XXXX on XX/XX/20 after listening to an advertisement on the radio. I attended the appointment and filled out paperwork while I waited in the lobby. The receptionist advised me that their company used Care Credit thru Synchrony bank for payment. As I waited for my appointment, the receptionist called one credit card company which I was denied credit and then she called Care Credit. As I sat in the lobby, she provided my personal information over the telephone ; name address, date of birth, and social security number. After overhearing that I had been approved, she handed me the telephone and the person on the other end of the phone confirmed my identity and was told to hand the phone back to the receptionist. I was called to the back room and received an injection into my left knee. I hen was told to bring my credit card ( s ) for the balance due of {$9000.00}. I left the office in pain and called back advising that I would not be returning for any other treatment since I felt worse than I did before the injection. 
When I received the credit card statement, XXXX XXXX had maxed out the balance which was more than the treatment cost on the date of the service. When I complained to Care Credit they advised me that since the paperwork sated " no refunds ''. I owed the entire amount. I advised them that I did not receive {$3000.00}. worth of treatment per their fee sheet that they provided me. I advised them that I would pay the amount of the treatment I received not the maximum amount charged. My bill was never corrected. The receptionist was provided with the credit card number by Care Credit and not the me. I didn't receive the credit card information until I received the physical credit card in the mail and the statement several weeks later. At no time during my visit XXXX XXXX, was I never asked for payment or how II planned to pay for my treatment.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (MA)

On XX/XX/2021 XXXX app showing my XXXX score of XXXX, possible reason affecting the score is high revolving account balance and number of delinquency. However on XX/XX/2021 Equifax website showing my XXXX score of XXXX. Contacted XXXX Bank for resolution, XXXX Bank refuse to make any changes and reason being they show score they received from Equifax. Equifax unable to make any changed because the credit report with Equifax is correct and ask me to contact XXXX. I'm being pushed around with both parties blame each other instead of fixing the problem. Somehow somewhere Equifax gave XXXX Bank someone else 's credit report/score and is attached to my XXXX Credit card Account.
Consumer complaint received 2021-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called transunion numerous times and they keep saying they will delete inquiry and have not to date. This is identity theft. Remove this unauthorized inquiry immediately. I never consented to this
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (KS)

citi bank/homedepot consumer credit card has arbitrarily dropped my credit limit from {$3500.00} to {$2000.00}. I called the company and was told it was an automatic action due to something the credit bureau sent them. I have approximately {$1800.00} charged so when they dropped the limit it affects my credit score due to percentage charged versus limit. I called Citibank on XX/XX/2020 and was told the limit was dropped on XX/XX/2020. I tried to explain to them that by now showing the card is almost maxed out it will drop my credit score. I was told that was not their problem. They stated it was an automated process and nothing could be done. 
I do not see how this company can get away with doing this to consumers when amount of charge versus limit is a factor in credit score.
Consumer complaint received 2023-04-03
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. (TX)

XXXX XXXX shouldn't be on my credit report. They never provided an opportunity to verify the debt, nor were they able to supply a written contract concerning the debt after I contacted them. They claimed to have secured this debt from a creditor I had never worked with. Per FCRA guidelines, this qualified their removal from my credit history. XXXX and XXXX have both removed them. I don't know what's taking Experian so long.
Consumer complaint received 2024-01-23
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. (VA)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

XX/XX/2019 Re : XXXX & Portfolio Assoc collecting agency Dear  Sir/Madam : XXXX & Portfolio must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX credit council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.
Consumer complaint received 2021-11-05
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: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-04-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (OH)

A loan was taken out in my name from a company called Avant in   XXXX   XXXX  . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on  X/X/XXXX . They then sent an email on   XXXX   XXXX   XXXX  , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on   XXXX   XXXX       I have since received an email from their fraud department ( on   XXXX   XXXX   XXXX   ) stating their investigation was closed and the account would be removed from my credit reports.     I am currently being sued by a debt buyer,  XXXX   XXXX  in relation to this account. I 've requested via email th at Avant  notify  XXXX   XXXX  and  XXXX  's attorney,  XXXX   XXXX , of the findings of their investigation. They did not agree to notify  XXXX   XXXX  or  XXXX   XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to  XXXX   XXXX  and  XXXX   XXXX  and have not heard back from either company, and the lawsuit has not been dropped.     I have requested  a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud  department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called  XXXX   XXXX , informed them of the situation and request a call from a manager or supervisor.   XXXX   XXXX   informed me they have no way to intervene on Avant accounts but the  XXXX   XXXX  rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or   XXXX   XXXX   has contacted me.     I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response.     Since I have provided all the requested documents to  Avant  and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ID Analytics, Inc. (MD)

I contact sage stream online for a security freeze they sent me out paperwork with asking me to send my proof of address and identity and I tried no response there email address is sagestreamll.co and called XXXX XXXX XXXX please help me fime a complaint on them they never answer phone after I filed for a freeze
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (PA)

First Financial Asset Management call me on XX/XX/XXXX regarding a bill by XXXX XXXX XXXX 3 years ago in which was paid. I call XXXX XXXX XXXX  in which they inform me that a copy of the bill shows paid by them to XXXX XXXX XXXX. There also mailing me a copy as proof from XX/XX/XXXX showing that the transaction was paid to XXXX XXXX XXXX XXXX. This bill was paid 3 years ago on XX/XX/XXXX XXXX
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been in modification re entry review and was denied because of insufficient income as the Wells Fargo employee stated that my XXXX income ( XXXX month ) during XXXX career retraining does not count as it will run out. They are currently reviewing it again but not counting XXXX income again.
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.
Consumer complaint received 2017-06-26
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)

My student loan creditor, NAVIENT is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 8 accounts ) Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXXand retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX