davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation (IL)

First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!
Consumer complaint received 2024-02-19
Product: Credit reporting 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (LA)

I have witness several inquiries on my credit report from Experian, XXXX, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an Experian to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
Consumer complaint received 2022-03-29
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. (NC)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX Bankruptcy / XXXX/ {XXXX}
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (AZ)

I graduated with my XXXX in XXXX. Because of the rigorous nature of the program, I had to take out loans both for tuition, but also for medical supplies and living costs. Because of this my debt is now over $ XXXX. I am on the XXXX plan and because of my low first-year salary as a resident ( $ XXXX ) my current payments are {$0.00}. However, given the nature of the XXXX plan, I will have to pay taxes on the remaining balance, which means I will have to make a monthly payment plus put a certain amount of money away each month in order to pay that tax burden in XXXX. This amounts to {$1200.00} a month for the next 20 years. When I get my raise next year for my second year of residency ( $ XXXX ), this amounts to 24 % of my income which is not ideal nor sustainable. My repayment plan is as ideal as it can get for my situation ; refinancing is not an option because I need the reassurance that I will only have to pay a fixed amount of my income should my financial situation change drastically for any reason. My school is not doing due diligence to lower tuition and other costs to assure that students are able to pay back loans and succeed in their field.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I have a 30 year fixed loan with Freedom Mortgage company located inXXXX TX. 
I make payments monthly using my computer and paying online. I refuse to mail my payment for fear it will get lost in the mail. 

I did my usual log on today into my Freedom Mortgage account and it said that there was a payment error! So I thought perhaps I entered my account number incorrectly. 
I tried to input my info again, and I received the same error telling me to contact the office. 

I spoke with a representative and explained my problem. He said that they are not able to process payments that have a XXXX browser. I told him that I have been paying on line for years and have never had any problems. 

I asked him to take my payment over the phone but he said that it is a {$15.00} charge! 

He told me to go find another computer and try it that way!! 

This is not fair to the home owner. They should offer to take a payment over the phone since they are having problems with their systems. 

Thank you
Consumer complaint received 2017-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime (CA)

I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.
Consumer complaint received 2021-08-04
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: American Credit Acceptance, LLC (NJ)

AMERICAN CREDIT ACCEPT, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX Utilities and Fuel XX/XX/XXXX
Consumer complaint received 2017-10-19
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: BTH Management (CO)

Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The loan was in forbearance when they reported my late payments. They also charged late fees. Failing to review borrowers applications for loss mitigation options within 30 days. They received my application back on XX/XX/XXXX, and nothing was done. I had to submit a second application on XX/XX/XXXX. I took them over a year to respond and nothing again lead to have to apply again and it took more than 30 days for a response. I have attached the whole timeline
Consumer complaint received 2020-04-18
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal is reporting a closed credit card account on my XXXX Credit Report that I was an Authorized User on. I've already contacted Navy Federal to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from Navy Federal that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (OK)

On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.
Consumer complaint received 2022-03-10
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. (LA)

I have witness several inquiries on my credit report from XXXX, Transunion, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXXe To, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

they call every day-hang up when I answer to tell them this is not " XXXX  '' number, When they leave messages they mention that name. Its a new phone to me but apparrently XXXX had this number before me.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I was offered to open an account with American Express in XX/XX/XXXX. I do not remember if I agreed to their annual fee of {$95.00}. I moved in XX/XX/XXXX, and I had not received any documents from American Express. I did an address change with the USPS, and did not receive any documents at my new address until XX/XX/XXXX, where it said I owed {$95.00} that was assessed in XX/XX/XXXX for American Express credit card annual fee. I called them and explained what had occurred over the year, they did not change my address to the new address, we closed the account, and an investigation was opened as to the {$95.00} annual fee. I received a new bill from American Express for {$95.00} today. I called to discuss the fee and that I do not believe I need to pay the fee. They told me the investigation was closed and that I owe the fee. I asked if there is anything that can be done because I never activated the card, I never used the card. XXXX I never got the card. I asked for a manager, and the agent transferred me to the manager who said that he has discussed it with his team and there is nothing they will do. I do not believe I should be required to pay the fee. The bill is still going to my old address.
Consumer complaint received 2017-10-19
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. (CA)

1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .
Consumer complaint received 2017-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-10-19
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: Convergent Resources, Inc. (TX)

XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy on my credit report is inaccurate. There was never a case tried or seen, and no judgment was made. Please remove this account immediately : Bankruptcy XXXX XXXX Reference number : XXXX.