davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CO)

Collection account added to credit reports by Lvnv Funding in XXXX of XXXX. For the amount of {$2700.00} I never received any type of communication from Lvnv or its partners regarding said collections account, prior to notification from credit bureau alerts of negative report added. 

Disputed via XXXX in XXXX which yielded no change even tho they are required to obtain proof of items legitimacy or remove account. Never provided with any documentation from either entity of legitimacy or proof of debt. 

Lvnv funding and its affiliates are in violation of fair Credit reporting laws under Regulation F. Re : passive collections clause. By reporting a collection account without notifying the consumer. 

XXXX, XXXX, and XXXX are in violation of credit protection laws by failing to validate and provide proof of validation of collection account legitimacy upon dispute. 

On XX/XX/XXXX, text message from XXXX XXXX XXXX agency regarding a collection account for Lvnv Funding. A letter disputing account has been sent with no reply as of the submission of this complaint.
Consumer complaint received 2021-06-22
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. (WA)

My name is XXXX XXXX, I am a victim of identity theft. I have placed several fraud alerts to prevent any new fraudulent activity on my credit report. Recently, there was inquiries made on my report that I did not authorize. Please remove these from my credit profile immediately. Attached is my FTC affidavit along with my drivers license.
Consumer complaint received 2018-02-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (MI)

Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.
Consumer complaint received 2021-07-05
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. (MS)

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a XXXX servicemember with full insurance. The Credit Bureaus, XXXX  and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. Equifax is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (WI)

I set up a repayment plan through Primier Student loans center on XX/XX/2018. I set up autopay, and have been paying each month on time. The first 6 payments being {$220.00} a month and {$20.00} a month since. However, they have not made even 1 payment towards my student loans. My loan holder ( XXXX XXXX XXXX ) is now contacting me because loans are back in default and payments are now late. I have tried calling premier student loans, but they are currently not answering calls or e mails.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (OK)

I have had multiple credit lines open through Affirm to build my credit and pay off things over the last year. I've been working with a mortgage loan processor with my credit, and she is stating that my on time, paid off, and current payments are not being reported to the credit bureau by Affirm, except one of them which was for my XXXX My other 4 were not reported. 

When I called Affirm today on XX/XX/XXXX to try to resolve this and get an explanation, all they told me was Affirm is not obligated to report everything to the credit bureau. I asked for reasoning behind not reporting my on-time payments since XX/XX/XXXX, and she stated, " because we are not obligated to ''. I've worked very hard on making my payments on time in an attempt to build my credit, all for her to tell me they're not obligated to report my good status. 

I want my on-time payments for all of my accounts on Affirm to be reported to the credit bureau XXXX
Consumer complaint received 2022-05-01
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-01
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: CLGF Holdco 1, LLC (NC)

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MS)

The following companies have violated my rights : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 ) ( 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 2023-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (CO)

I am still in school earning my XXXX and Sallie Mae has told me they are deferring my loans until I finish my XXXX. However, they are still requiring that I pay the interest on the loans each month, even though I am not paying down the principal. By doing this, Sallie Mae is making more money off the loans because the interest payments will never go down until I pay the balance, but they do not ( and I can not ) require principal payments. 

Essentially, they are taking advantage of the lenders by pretending to offer a " deferment '' when in reality, they know they are just getting more time to collect the highest amount of interest from their borrowers. 

I pay over {$500.00} a month in these interest payments per month.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2018-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.
Consumer complaint received 2021-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I am in the process of recasting my current mortgage. XXXX XXXX/Loancare agreed to accommodate my request and I initiated the process by submitting a {$100000.00} principle payment and completing the documentation required my XXXX XXXX/Loancare. A signed and notarized Agreement for Modification and XXXX was sent via overnight courier on XX/XX/21. The agreement was additionally, uploaded using XXXX XXXX/Loancare 's online document center. XXXX XXXX/Loancare 's instruction letter states that this process may take up to 20 days and will reduce my monthly mortgage payment. 

To date, I have been unable to make contact with anyone in the specific department that handles reamortization. Customer service reps claim to have not received documentation sent via overnight courier with proof of delivery and uploaded documentation submitted through the online document center, also with proof of receipt. 

I have made multiple efforts to get this process back on track through phone calls, e-mails and letters sent via USPS. All attempts have been completely ignored and I am unable to get any kind of status update or timeline on when or if this process XXXX XXXXLoancare agreed to will actually happen. 

At this point, It seems that I have been duped into making a {$100000.00} principle payment and that XXXX XXXX/Loancare has no intention of reducing my mortgage payment as promised.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

RECEIVABLES PERFORMANC has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, XXXX, Equifax, XXXX, XXXX XXXX, XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX FCU - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries XXXX XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX F XXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' XXXX XXXX, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with USAA. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from XXXX. I have attached also most recent Consumer Loan Statement, from USAA, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked USAA to remove my name from loan, and it was refused. 

I ask that USAA make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE XXXX LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Recovery Specialists, Inc. (OK)

ARSI continues to try to collect a debt that is over 7 years old and can't report to the credit and 4 years out of statute of limitations for them to sue me. 

But they continue to send me letters stating that if I don't respond to pay the bill, the attorney may file a sue against me. I have sent ARSI several times my FTC paperwork because the debt they are trying to collect is fraudulent, they continue to disregard the paperwork and keep sending me threatening letters. 

I contact ARSI at the beginning of XXXX when I received their last letter. I wanted to know when this debt occurred because the letter that was sent to me doesn't have the notice that this debt is out of the statute of limitations to collect or to report. On the first call, I was disconnected after I stated who I was. On the second call, after I verified myself, XXXX tells me that I have to speak with legal counsel XXXX XXXX. Then they inform me that he was on the phone and will have to call me back. Well, that is impossible because I have a cease and desist on file with them. If I accepted a call back from their legal counsel that would negate the Cease and Desist. 

I don't understand why ARSI keeps violating the Fair Credit Reporting Act in attempts to collect a debt. And why do they keep harrasing me by sending me threatening letters? But at this point, I'm done.
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Dynamic Recovery Solutions, LLC (CA)

XXXX XXXX called my cell at XXXX XXXX on XX/XX/XXXX. I did not answer the call nor did they leave a message. On XX/XX/XXXX they called again, this time at XXXX XXXX. At this time I asked them to never call me again at this time of the morning. I let the representative know I live in California and they were calling me too early. On XX/XX/XXXX I received another call, again at XXXX XXXX. I told the representative that I was reporting them as I have a right to a quiet morning. Also, the debt in question is over 8 years old and I'm not certain it is mine debt.
Consumer complaint received 2020-06-04
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}
Consumer complaint received 2018-02-16
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. (FL)

I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

This is a running theme that keeps happening over and over and over again with this same account in the same company. 

I scheduled payments to come out of the account on Friday and the bank only posts the transactions on Monday or Tuesday at which point the funds have run too low and they can charge me an overdraft fee of {$34.00} on a transaction that was only {$36.00}. 

This is some XXXX, because I scheduled my recurring payments to show up on Friday and every time I make a credit card payment I schedule it at least a week in advance to come out on Friday so that it is going out of the account by Friday at XXXX or XXXX XXXX before I even wake up. 

Imagine my surprise to find out that the transaction was not posted until Tuesday along with the corresponding overdraft fees. 

So far, this bank is made almost {$700.00} and some odd dollars off of me this year in overdraft fees in that exact way.