davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MA)

Since this is the second time filing the same complaint and it did n't go through I 'm going to keep this brief. This company bought out my student loan from XXXX XXXX who had then bought it out from XXXX XXXX. When I was on XXXX XXXX I was on a deferment when I got out of the XXXX the amount owed to this company almost doubled and nobody can give me an answer as to why. Now not only are they calling me 3 to 4 times a day, but, my parents are also receiving phone calls in the same company at their home phone number. So, we 're up to 6-8 calls/ day between the 2 numbers. They want me to sign a forbearance, but, I 'm not signing anything until I get an accounting as to why my student loans increased so dramatically while on XXXX XXXX. They should have been paid off a few years ago and now I owe a substantial amount still. And since I 've been unemployed for a year I have no way of making any sort of payment arrangements regardless.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Please help me ... i am a   XXXX  year old   XXXX  man from   XXXX   XXXX   of 25 years. I really want to keep my home ... I submitted my loan modification paperwork with all docs and today they advised me that i waited to late to send in my paperwork. I talked with an attorney and he advised me to file a complaint with you guys and to file a debt validation because i was within my 30 day time period. Please help me to keep my house. I do n't know what i am going to do
Consumer complaint received 2017-07-26
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. (CO)

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XX/XX/XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (TX)

M y Father passed, and I took over a Real Estate prop erty he owned in Arizona. For the last 8 months, I have been dealing with  two  Mortgage Service Companies, who have violated Federal Successor In Interest laws on Several Counts. The property had  two  mortgages. The primary Mortgage is current, and I am " allowed '' to make the payments. However, I am being told that I have no authority over this primary mortgage. Only the PR for my  Father 's Estate h as authority. IE I ca n't even change the mailing address for the notifications for this mortgage, " because my name is not on the loan ''.     XXXX   XXXX   XXXX   XXXX  , violated severa l Federal Laws,  and it was not found in due time due to these violations. This   XXXX   XXXX   XXXX  , was notified as soon as the Mortgage was found. They refused to speak to me - the  Successor In Interest, "  because my name was not on the loan '' and they had already " closed out '' ie, foreclosed on this mortgage. Their stance was " They had closed out this mortgage, and were not pursuing it at this time ''. In effect, the property was not lost, but a  Title Deed Filing Lein Remains Intact  for this property for this mortgage!
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My checking account with bank of America was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
Consumer complaint received 2017-07-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation (GA)

COMPANY SENT DEMAND NOTICE ACCOUNT OUTDATED / CLOSED OVER 11YRS AGO AND FRAUD AFFIDAVIT FILED WITH ORIGINAL CREDITOR ON ABOT XXXX/2007 ... COMPANY CONTINUE VIOLATES FCRA, FCBA, FDCPA ( 1692g ), STATE STATUE OF LIMITATION EXPIRED ; 5YRS TO COLLECT WITH IN THE STATE OF GEORGIA.. NOT MY ACCOUNT/ NEVER DONE BUSINESS WITH SAID CREDITOR ... /NOTE : FORMAL COMPLIANT FILED WITH " BBB '' AND POLICE REPORT
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX XXXX accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was denied from a lender for " too many inquires '' on my on my Tranunion report. I know how important my credit worthiness is I immediately went to check all my reports to figure this situation out. I contact Transunion immediately about the wrong information. I constant go no help from anybody. Very disappointing. I have had a fraud alert placed on my account now for the past two years. To prevent any issue like this in the future. They have fell me as an citizen. Since, they could n't help me investigated on my own about this inquires that are below. I have NEVER authorized verbally, physically, even mentally for them to access my information. They have no indication of me providing my identification, blood, sweat or tears to their company.       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 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (KS)

I have disputed several mistakes listed on my credit file and in my results nothing was done. The report states on the following  XXXX  's investigation  XXXX   XXXX  #  XXXX  which is outdated and past the statute it was updated from our processing on  XXXX    XXXX  ???  XXXX  #  XXXX  same outdated and should n't be listed and  XXXX    XXXX  , were in  XXXX  and it was to be investigated in  XXXX    XXXX   XXXX   #  XXXX  same,  XXXX   XXXX   XXXX  #  XXXX  outdated and false last updated  XXXX    XXXX  .  XXXX   XXXX   XXXX   XXXX  Unknown and going after this company directly as this is not my debt or account   XXXX   XXXX   XXXX   XXXX    XXXX  Outdated and past the statute and no validation,   XXXX   XXXX   XXXX   XXXX    XXXX  OUTDATED AND INACCURATE no investigation  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX  always paid on time never once was past 30 days last updated was  XXXX    XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CO)

I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass me.
Consumer complaint received 2018-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Greetings, I have initiated a multiple disputes with XXXX  over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the XXXX to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to XXXX   including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX XXXX XXXX : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression.

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed account is attached in document According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.
Consumer complaint received 2023-02-14
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NC)

Account with Discover Financial Services was opened in my name fraudulently. Have notified Discover via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX According to my credit report, XXXX XXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ). 

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes. 

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file. 

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (UT)

The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

As of XX/XX/2017, I have attempted to access my Equifax Credit Report Security Freeze, on-line and through their toll free number. I have been unable to process my request beyond the initial information page ; which results in notices of Unable To Process Request, Page Not Available or Security PIN Invalid. When attempting to use hyperlink for Contact US, this results in Invalid Page error. When attempting to use toll free number, this results in Service Not Available notice, after all personal information has been entered. 

There is NO available means to resolve any of the concerns, as provided by Equifax since announcement of their Security Breach.
Consumer complaint received 2022-01-20
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. (CA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The XXXX  and XXXXl health is under attack by the XXXX of this companies ' actions. They harass me and my XXXX by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.