davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

On XX/XX/2019, FCO contacted me via telephone to advise that of debt owed ( {$180.00} ) to XXXX  XXXX XXXX. Since this was the initial notice of any debt owed to XXXX XXXX XXXX, I requested the representative to send me documentation to validate the debt and amount owed. At this time, I provided the FCO representative my mailing address, to send the documentation. 
A few weeks later on or about XX/XX/2019, I received a 1-page notice that stated that an outstanding balance ( {$180.00} ) was owed to XXXX XXXX XXXX with no details or any other proof to substantiate the debt. Although no specific details or proof were provided regarding the debt owed, in good faith, I decided to pay the debt. I was the guarantor for my daughters apartment at XXXX  XXXX XXXX while she was in in XXXX  and she had to move-out at the end of her lease in XXXX, due to an unforeseen XXXX and complications. Upon move-out, I contacted XXXX  to ensure that all outstanding debt was satisfied ; she had a XXXX-balance and the apartment was left in good condition upon move-out. 

Please be advised that I never received any notice from XXXX  XXXX of a balance owed until a FCO representative telephoned me in early XX/XX/2019. As previously stated, I was notified of the balance and upon notification, I requested documentation to substantiate the validity of the alleged debt owed. A few weeks later in late XX/XX/2019, I received a notice of the debt from FCO and immediately commenced payment on the debt. The first payment was remitted on in early XXXX and I continued to remit consistent payments. Due to my own unforeseen circumstances ( divorce ), I was unable to remit the outstanding balance in a lump sum payment. Hence, I remitted consistent bi-weekly payments until the balance was paid in full. 

Since I immediately commenced payment upon notification and continued to remit consistent payments, it was my understanding that the account would remain in good standing and not be subject to negative credit reporting. To my utter shock, I discovered in early XX/XX/2019 that the account had been reported to the credit bureau as a derogatory account. I immediately contacted FCO to inquire about the derogatory credit reporting and requested that the derogatory remark removed from my credit profile. I was advised that the derogatory reporting would not be removed because I did not remit payment or secure a formal payment plan upon initial notification of the debt owed; I had been notified previously of the debt owed in XX/XX/2019 but failed to mail payments. Per the representative, notices were mailed to addresses in XXXX, XXXX  - XXXX XXXX  ( I had not lived at this address in more than 3 years ) and XXXX, XXXX  ( I have never lived in XXXX ). I explained to the representative that i did not receive the previous notices ; they were mailed to a former address and unknown address. Thus, I could not dispute or pay a debt that I was not aware of.
Consumer complaint received 2017-07-13
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. (FL)

A computer glitch was transunion 's problem-not mines- caused my inquiries was deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX XXXX @ XXXX XXXX on XXXX XXXX, 2017 he told me that the department was closed that handles that problem and he did n't have to give me his ID # that his name was all the information I needed. These inquiries add a hardship and that my rights were violated by transunion.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

XXXX XXXX credit card company charged me {$140.00} annual fee on XX/XX/2021. I called to cancel this credit card as I have no travel plans this year due to COVID-19. I was told that I will be still responsible for paying the annual fee regardless of immediate cancellation.
Consumer complaint received 2017-06-16
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. (TN)

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of  2017  and my dispute case disappeared. I disputed again in  XXXX   2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.     TransUnion investigated and removed this right away.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Credit Services, LLC (MN)

I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name )  a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the  XXXX  # provided by the company and got sent to  XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I  received a bill. I called XXXX XXXX XXXX  requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX  XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.
Consumer complaint received 2017-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TN)

I attended XXXX for 2 years. They had referred me to XXXX XXXX XXXX for my student loans. I am at {$28000.00} in debt since XX/XX/XXXX. I am in deferment until XX/XX/XXXX. Interest is accruing at $ 700+ a month. HOW THE XXXX CAN I EVER PAY THAT BACK!? I could go and get a XXXX degree for XXXX XXXX and XXXX XXXX for less than {$6000.00}. I was absolutely taken advantage of under their predatory loans.. What can I do about it now? Kiss my chances at ever being financed for a home or car goodbye the rest of my life?
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC (FL)

Was denied an fha mortgage for a dismissed chapter  XXXX  bankruptcy from    XXXX    2009    and met all other requirements. Our loan processor   XXXX   XXXX   from  pacific union fina ncial llc was absolutely horrible no communication left important information out when sending to underwriting and ultimately probably cost us our home purchase that will end up keeping my wife 's elderly father in a  XXXX    XXXX   instead of living with us.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX  FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.
Consumer complaint received 2023-11-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

On or around XX/XX/23, I mailed a Notice to Cease and Desist to Navient requesting that they stop contacting me, my friends, and my family, and I directed them to communicate with XXXX XXXX XXXX XXXX. Starting XX/XX/23, I have received multiple voicemails from XXXX who represents Navient, requesting a return call. My mother, my sister, and my ex-husband have also received calls from Navient in direct opposition to my Notice to Cease and Desist. I will be mailing a second Notice to Cease and Desist to Navient tomorrow ( XX/XX/23 ).
Consumer complaint received 2019-10-21
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. (NJ)

A police report was filed for an account opened without my consent with XXXX in XX/XX/2019. XXXX will not mark the account as fraud despite multiple attempts to explain the situation. After filing a dispute with Equifax they have stated the information presented to them from XXXX  is accurate however the party responsible for using my identity only needed to confirm a text message via my cell phone number which according to law enforcement can be cloned. Equifax will not let me submit a new dispute and has not marked the account as fraudulent. I need it removed from my credit report before it impacts it negatively.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-13
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. (NC)

A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

Good evening, I have been battling the collection practices of  'Hunter Warfield  ' and  XXXX   XXXX  ' for years now.   They claim I owe over  8k in  collections for a wrong doing eviction that occurred in XX/XX/XXXX  XXXX  XX/XX/XXXX    I was told by  XXXX  that I could resolve the remaining 6 months of my lease with their leading Office due to the fact that my roommates left me stranded and I could no longer afford rent. They WERE notified of all this in email and I was willingly authorized to vacate the premises before an eviction occurred.  XXXX  agreed to this because they had confirmation from the VA, that I was not receiving my military housing benefits on time which put me behind on rent. Only a month or so. In   XXXX  , I had orders from the  XXXX   XXXX  to report to   XXXX   XXXX   in Texas for a  XXXX  to  XXXX .   They WERE notified and I thought I was covered under law due to my military orders.    XXXX  quickly evicted me and added over  2k in f ees.    Hunter Warfield them then took over collection and harassed me for months with no re gards to my situation.   This debt has been removed twice from my credit reports (   XXXX    and   XXXX    )  but have emerged on my reports both times. I can not afford an attorney and have never been issued any legal documents or paperwork in regards to the debts or my options to settle said Debt.   I am pleading for assistance, as this collection account has coated me uncountable credit hardships. Thank you, Best Regards  XXXX   XXXX
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc. (AR)

I 've repeatedly contacted this company advising them to provide me with verification of debt. They repeatedly tell me that they are not required to provide such debt verification and that they sent XXXX out on XXXX XXXX. I 've advised them multiple times that I did not receive this letter they sent and they refuse to provide any other. I have advised them that I am not opposed to paying what I owe, once I receive the verification of said debt. They refuse to provide this information repeatedly. They have not provided this and refuse to offer a resolution.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 I booked ticket on XXXX XXXX XXXX. At the end of booking pop up bank of America credit card application and offering {$100.00} statement credit if I used new credit card for purchase ticket. I am apply and approved. I used new credit card as payment for the tickets. One month later no {$100.00} credit. Contacted Bank of America and representative told me wait one more month. Still no {$100.00} credit. On XX/XX/XXXX Bank of America sent letter " We offer a {$100.00} statement credit to new cardholders who : 1.Open an account while booking a flight online at XXXX XXXXhich I did and 2. used the card to make at least {$1000.00} purchase with 90 day of opening account. 
Which I also did. 
I contact again in middle of XXXX and get reply with exactly same letter but on XX/XX/2022. 
Last my contact XX/XX/2022 and this time the representative from the Bank of America create the story that I opened account on XX/XX/2022, but XXXX posted transaction as XX/XX/2022. This is absolutely not make sense, because I can't approved and print the tickets without full payment. The representative from Bank of America asked me contact XXXX to confirmed that ticket purchase on XX/XX/2022. After that I try to call Bank of America again and representative try to switch to XXXX XXXX customer service. 
I also request to talk with the manager and my request completely ignore. 
Bank of America misleading the client to posted via XXXX false advertisement on instant credit and later fool around with client to avoid issue the credit. 
I want that the people avoid make a deal with Bank of America as dishonest partner.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( a ) 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.