davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Performant Financial Corporation (MD)

Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl
Consumer complaint received 2016-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (OR)

Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc. (NY)

The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. 
Since I told them not to call me at work, they have called me close to ten times after. 
What are my rights? 
Thank you, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NY)

I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.
Consumer complaint received 2015-05-11
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (FL)

On XXXX XXXX, 2015 after a purchase of {$8.00} at XXXX, I had a {$260.00} ending balance. The following morning, when I attempted to get gas on XXXX XXXX, 2015 ( It was not a funny XXXX Joke ), I discovered the account had a XXXX dollar balance. 
I immediately contacted Direct Express to no avail. I was told it was being researched and that the card was not FDIC covered ( which is untrue ). I was told they did not have to follow FDIC rules, nor did they have to respond in any certain time frame or replace my money to my card. 
This situation has been going on over 30 days now, with still no resolution. I have called multiple times a week since this incident happened, with no resolution in sight. 
I have called the FDIC and have filed a complaint. 
After this incident on XXXX/XXXX/15, my card was compromised on XX/XX/XXXX-XX/XX/2015 by someone in XXXX XXXX, who XXXX up over {$900.00} in XXXX charges. Direct Express/XXXX refunded my card {$400.00} and is reviewing the FRAUD ( 90 day process ). I filed an FBI report and Police report. I filed all necessary forms requested by Direct Express. 
However, the company refuses to address the {$260.00} that went missing PRIOR to the XXXX XXXX and XXXX, 2015 FRAUD happening. 
*** In the process I have received a closing notice for my electricity, due to the fact that the {$260.00} went missing from my account. This card belongs to a XXXX person, with no other means to support themselves. This matter needs immediate resolution! 

Note : My docs are to large to upload to this complaint.
Consumer complaint received 2024-01-26
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. (OK)

I've disputed an account on all 3 credit bureaus linked to XXXX ending in XXXX. So far the only bureau that has deleted and blocked the information is XXXX. I'm utilizing my right to arbitration in Experian 's arbitration clause. This is notice that I have began the process.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings 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 XXXX and XXXX 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 2024-01-26
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$370000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-25
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)

I disputed the Account of XXXX XXXX with Equifax more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for Equifax to validate this account with a person and out the use of XXXX or any other automated validation systems and validate that they have the original signed contract for this account. 

Equifax has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.
Consumer complaint received 2015-09-29
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Brookshaw Management, LLC (CA)

Received a threatening call on XXXX/XXXX/15 telling me my card declined. I told him that could not be possible because there was {$3000.00} in the account so there was no reason my payment would decline. He went on talking about you have XXXX in the bank and all your paying us is a {$50.00}, I explained to him that I 'm a single mother and I have a mortgage to pay along with other expenses but I am paying. He then went on and on, at this point I called him out his name and told him look its too early in the morning for all of this and I just lost my grandfather and I was really not in the mood. I was doing the best that I could. He continued to talk mess and told me he was taking me to court. I said take me to court for what ... you have the correct account and I am making payments. he then kept threatening me I called him XXXX & ( and hung up. I called back to get someone else but he kept answering the next 3 times being petty and said see you in court and not to call there. I finally got a Manager on my XXXX attempt of calling back. They ran the card again they had and the payment went through just fine like I knew it would.
Consumer complaint received 2024-01-26
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)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account for my credit report as soon as possible. Thank you.
Consumer complaint received 2022-02-11
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. (GA)

My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that Im going go list on this complaint XX/XX/XXXX These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as Im filing this complaint to consumer financial protection bureau to help with this situation please remove all,
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERNST, ARTMANN AND ASSOCIATES, INC. (FL)

On XX/XX/XXXX, Ernst, Artmann and Associates reported a collection account for XXXX XXXX in the amount of {$430.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to Ernst, Artmann and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Ernst, Artmann and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Ernst, Artmann and Associates has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Ernst, Artmann and Associates is not a licensed collection agency in the state of Florida ( see attached ). Additionally, they have violated multiple FDCPA laws. Ernst, Artmann and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Consumer complaint received 2019-02-25
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. (TN)

On XX/XX/2019 I sent out inquiry removal letters via certified mail to Transunion for unauthorized inquiries on my report. In my letter, it states that I've contacted both Transunion and the creditors. The creditors have no proof that I authorized these inquiries or have verbal proof that I gave permission of these inquiries. 

The letter stated that according to 604 of the fair credit reporting act permissible purposes of Consumer Reports 15 U.S. code 1681B in general. Subject to subsection E, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. code 1681 paragraph 5 treatment of inaccurate or unverifiable information ( a ) in general. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete. 

Transunion then sent me a letter on XX/XX/XXXX stating that these inquiries do not need my verbal or written consent to be on my report. 

Last 4 digits of SS # : XXXX
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their " Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness.
Consumer complaint received 2022-09-06
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: Avant Holding Company, Inc. (NJ)

On XX/XX/XXXX I received a letter from XXXX stating that WEBBANKAVANTLLC was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted Avant on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Consumer complaint received 2023-04-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the 3 bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said XXXX XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!
Consumer complaint received 2022-08-06
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. (NC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2018-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

I was notified on XX/XX/2018 that I had this debt for XXXX. I have never heard of this collection agency nor received correspondence. I keep my credit clean and pay all bills. This is either a fraudulent charge or they have the wrong person.
Consumer complaint received 2018-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC (NY)

On XX/XX/XXXX I received my paycheck with {$200.00} taken out. Went to payroll and they gave me some kind of statement that I owe money from XX/XX/XXXX. Amount due of debt is over {$13000.00}. I have no clue who this is. Now {$200.00} is being taken out for what debt collection I have no clue. I live paycheck to paycheck and now I'm behind my bills because of this. That's {$400.00} a month.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (FL)

I have 3 things on my credit report that I want to dispute. 

I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. 

I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.