davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (PA)

I never gave the consumer reporting agencies to report the account " XXXX XXXX '' on my consumer report. They keep sending my disputes back as verified not investigating and providing me with how they validated this account. U.S code 15 usc 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Immediately provide me with evidence that I signed and submitted written instructions for yall to put this account on my reports without my written consent. this is damaging my reputation and causing me emotional distress.
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in prior disputes with Transunion, XXXX, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2019-10-24
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Ditech is using tactics to make me jump through hoops to avoid having to refund excess escrow owed to me. I called and requested escrow cancellation in XX/XX/2019. As a result of the cancellation, the excess escrow was to be refunded to me. As of the date of this filing, the escrow funds have not been refunding to me in my name only or been redeposited back into the escrow account.
Consumer complaint received 2022-07-12
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account XXXX XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-06-16
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-10-10
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I had applied for a new credit card and XXXX XXXX dropped XXXX points, XXXX XXXX points and Experian XXXX points. Then I had 3 hard inquiries removed and my score stayed the same. Experian is infamous for over deducting points and not adding points when something negative is removed. I called there horrible customer service in the XXXX where they are extremely unknowable. If you ask a question about something valid they put you on held then disconnect you on purpose. It happened 4 times in a row. When I finally spoke to someone who actually answered my questions, they told me your score should have increased but its all automated so we have no control over it. Either she was incorrect or the automation is severely flawed and neither is acceptable.
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (SC)

Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid. 

I have been told 3 times now or if not more that a packet will be in the mail for me to fill out forms and send my police report back in a prepaid envelope. Nothing has come in the mail at the old address this check was sent to in the first place and no packet has been mailed to my current and correct address given to them by phone and in person at the local location. 

I have filed a police report and have attached it.
Consumer complaint received 2022-08-20
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)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX has 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 a account without my written instruction.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received my VISA bill from Bank of America Due date was XX/XX/2019 I realized there is a late payment charges from previous month, because I always pay my bills prior to due date. 
I called customer service I told them that I never received any bills from you. I paid them my bill for previous and recent month by phone on XX/XX/2019 And bank refunded the late fee charges to my account. 
I received a cancellation letter from bank. I called several time. I could not get any reasonable answer from bank. 
I am retired XXXX financially I am doing very good, my house is paid off. 
I am very upset about their decision, that does not make sense to me. 
I do have other credit cart for past almost fourth Years that I never had any issues with any of them.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I am trying to put a credit freeze at Experian on my accounts, and have been rejected several times on the on-line and telephone services. I CAN NOT get anyone on the telephone to ask why I have been rejected. I have been able to put credit freezes on the other two credit agencies VERY easily, online, with no difficulty. Experian is requiring that I assemble a cumbersome amount of documents and mail them in - this is NOT buying a house! I would like to talk to someone and put a freeze on my account immediately, instead of taking weeks to do this through the mail. The Experian on-line and telephone system is completely cumbersome and useless.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citibank approved my account and I qualify for a cash bonus in the amount of {$300.00} for making a {$15000.00} to that approved account. Now, Citibank refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating Citibank is using this promotion to lure customers to their platform - and then refuse to honor the terms outlined. This evidence suggest that Citibank is aiming to expand their client base under false pretenses.
Consumer complaint received 2022-07-12
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NY)

I previously opened complaint # XXXX, but it has not yet been resolved. In Aidvantage 's response, they write : " Typically refunds from the U.S. Department of Treasury can take up to 4-6 weeks. In reviewing your call into our office on XX/XX/2022, we confirmed the agent did advise the refund amount of {$15000.00} as well as the correct time frame of receiving the refund would be 4-6 weeks '' It has now been 7 weeks since I requested for a refund of my balance of {$15000.00} per the CARES Act, yet a ) my balance in Aidvantage and XXXX has not yet been updated.
Consumer complaint received 2021-11-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (OH)

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Experian. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX I sent Experian a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Experian stating that they updated 2 of the accounts, and that all 4 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Experian another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Experian sent me a one-page letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Experian a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Experian in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Experian sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 4 items remain on my credit report and need to be removed.
Consumer complaint received 2019-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Consumer complaint received 2019-12-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC (MO)

On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with XXXX XXXX XXXX XXXX who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called Balance Credit. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.
Consumer complaint received 2019-10-24
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.
Consumer complaint received 2019-10-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have home equity with pen fed I have noticed that interest rate has going Down well over four months ago and I am ben charge 5 % for my loan I have call the Company two month ago n a month ago I was told interest rate will go down back every three months so I was told my rate will go down this month XXXX and now is XXXX I am still getting the statement The rate 5 % Can you help I think this Company is very Misleading the public
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MS)

Called - XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX both from ( XXXX ) XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XXXX Each time they have called I have requested they no longer contact me via phone, requesting that written correspondence be sent to my address on file. Each time I ask if there is a note in the file detailing that I have requested not to be contacted by phone, in which they verify that they are aware that I do not want them calling me. Call on XX/XX/XXXX the gentleman stated that he mailed a letter on XX/XX/XXXX regarding the two day delinquency, but was calling anyways.
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA (KY)

XX/XX/2019 I received an email stating Refund ID : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Refunded Amount : {$5000.00}. 
I have begun refinancing my home and the underwriters are requiring a Paid in Full letter ( PIFL ) from Lending USA. I began contacting Lending USA on XX/XX/XXXX. At that time I requested a PIFL to be mailed to my PO BOX . When I called to check I was told their system can not load PO Box addresses, I have requested the letter mailed to the Post office street address on XXXX XXXX. Which It never arrived, I have requested the Paid in full letter to be emailed. I have waited substantial amounts of time for each request to arrive. I have received conflicting information from different representatives such as the letter can not be generated and I am to file a complaint with the credit bureau as this should never appeared on a credit report. ( this was never a concern, but to provide information for the refinance only ). I was told to allow 24-48 hours on XX/XX/XXXX for a supervisor to return a call. Today is XX/XX/2019, 5 weeks from my original request and I have not received a PIFL nor a call ; it has been beyond 48 hours. My refinance is held up for this Paid in Full letter and poor business practices from Lending USA. I  understand that Lending USA loans are made by XXXX XXXX  in NJ. This is not any way to treat any consumer. Plus I had  made it very clear I am a XXXX  XXXX Veteran, and reiterated the timely need for this letter. I have provided plenty of time to meet my obligations to my mortgage company, but Lending USA has not been able to take care of their end and is the sole reason for my inability to refinance, they have also created substantial emotional distress which has cost me days off from work and lost pay. I am beyond a dis-satisfied customer!