davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (FL)

On XX/XX/2022 I filed a complaint against Experian Complaint # XXXX and XXXX Complaint XXXX XXXX Credit Bureaus regarding XXXX Acct # XXXX for it's inaccurate reporting. On XX/XX/XXXX Experian response was that the information from the Data Furnisher was accurate but I never received proof of that investigation and how that investigation was conducted. This is another FCRA violation of my consumer rights in pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy. On XX/XX/2022 XXXX contacted me with their results of their investigation and here are their results Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED '' How can Experian still report these inaccuracies and continue these gross misconduct and consumer violations? This XXXX acct # XXXX must also be deleted from my Experian report immediately. 

Thank you in advance
Consumer complaint received 2018-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Settle It Inc. (CA)

Settle it promised me 2017 to get my federal loans forgiven. They have been charging me monthly for working on getting my loans consolidated and forgiven. Until two weeks ago a new rep confessed they do not work to get my loans forgiven nor fixed. They just work to get my loans offset.
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

Hi I got a letter from collections for a service at XXXX  XXXX  then I contact my insurance about uncovered medical expenses. 
After so many days I got letter from collection s that says I owe {$190.00} for the services I received on XX/XX/2019. I have communicated with my provider and insurance and thought the issue will be taken care after multiple follow ups with them. 
But the issue was not resolved from insurance and provider then I have paid that medical debt from my pocket but still the collections opened an account that effects my credit score.
Consumer complaint received 2022-02-11
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. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX in regards to account name XXXX XXXX XXXX XXXX  account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, XXXX, AND EXPERIAN are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with EXPERIAN, XXXX, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NC)

XXXX XXXX XXXX XXXX was a cable company that I had while I lived in XXXX California. I terminated my contract with them and went with an alternate company. XXXX XXXX XXXX XXXX continued with service and did not stop the service as I requested. They billed me for that service afterMy request. I was assured that this bill would be corrected when I addressed it with XXXX XXXX XXXX XXXX. They are now sending me to collections several years later for their billing error. This collection is adversely affecting my credit. My credit rating is perfect otherwise.
Consumer complaint received 2022-05-20
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: AMERICAN EXPRESS COMPANY (SC)

Amex, inquired on XX/XX/2022 Business type : Bank Credit Cards 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 2019-01-08
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. (NJ)

After submitting proof of payment to Transunion several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in XX/XX/2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

complaint against Vanderbilt Mortgage. Our Mortgage with them is 23 years and 8.9 % interest. We where going to refinance with XXXX XXXX loans at 15 years and 3.8 % interest in doing so we were informed that are manufactured home had a vehicle title to it. we were not aware of this and they required us to do a conversion for real property in order to refinance the loan. my loan officer and I contacted Vanderbilt mortgage on XX/XX/2022 rep stated they would do the conversion if I requested but it would take months. After finding out that process should not take that long i called Vanderbilt back on XX/XX/2022 and asked to speak with a manager. She stated it only takes 30 days and i would need to submit a signed letter requesting the conversion. That evening i emailed the letter to the email she provided and ask that they keep me updated on the process. I received and email 2 todays later stating they had received the request and was processing it. On XX/XX/2022 i called to speak with someone to explain the process to me and to keep me informed of were we were at. Since my rate lock was to expirer on XX/XX/2022. rep stated she would forward to correct department. No return phone call. called every several times after to try and speak with some one and was told I was on the list to call back in order it was received and could take several days before they would get to me. On XX/XX/2022 i spoke with XXXX who said he was handling my conversion and that it was a the county being processed and i could call back weekly to get an update. Called back XX/XX/2022 XXXX was not available spoke with XXXX he was helpful in explaining the process to me and could not find any updates on my account. i explained I did an extension on my lock rate until XX/XX/2022. he started asking me questions to try and see were i was at. i explained no one had called me to tell me anything or ask for payment. i think you need to check into this. he did to find out the process was never started. His explanation was they had employment changes in that department and XXXX was told it was started so that what he told me instead of actually looking at my account. Then he told me my title was electronic so they would have to get that which would take 3-4 weeks. then it would go to the county and that could take 8-12 weeks so i could be looking at 11-16 weeks potentially. said he needed to send me a form to sign and send back. I explained I would sign that day and send back. After he sent me the form it needed to be notarized. In the process of doing that now. In the mean time i lost my refinance due to there negligence over and over. Because the rate lock would run out. I still don't have resolution or confidence that my conversion will happen.
Consumer complaint received 2022-07-14
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. (NY)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I sent credit dispute letters to XXXX, XXXX and Experian asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Consumer complaint received 2022-05-18
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)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX Equifax XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2020
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of EDXXXX acct # 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 2022-01-05
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. (GA)

XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, Transunion, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account randomly nearly 3 years ago. I was not given an answer and upon going into the branch as advised over the phone, I was given horrible service and mistreatment. The bankers that are usually nice to me were very cold and mean. I was given no reason as to why my bank account was closed and was told I can never bank with them again or reverse the decision. Ever since Chase switched to chip cards, I had a lot of trouble with my account and people had stolen my information. It seemed like my card was always being blocked for the wrong reason or messed up. Ever since Washington mutual switched to chase, the service has just gone downhill.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

I had credit card fraud ( citi bank ) happening from XXXX XXXX XXXX. I did not realize until I closed my account in XX/XX/2019. Once I closed my account I disputed the charges. It took from XXXX XXXX XXXX  to finally win my dispute. M credit score went down and there is a report of not paying my credit card in XX/XX/2019. I do not feel I should be held liable for a bill that is not mine.
Consumer complaint received 2020-07-02
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Jpmorgan Chase transferred my mortgage to another servicing company. 

1. I did not receive any notification the loan was being transferred. 
2. Chase told me via telephone, XX/XX/XXXX they emailed me and sent a letter on XX/XX/XXXX. I never received said letter or email. 
3. The new Mortgage service provider Told me via telephone they sent a letter On XX/XX/XXXX notifying me of the change. I never received said letter. 
4. The first time I was aware of the change is a letter came from the new mortgage servicing company on XX/XX/XXXX. So, I have to ask, If I received this letter, why did I NOT receive any previous letters. They had an incomplete address on the letter. This could be why I did not receive any previous letters. 
5. Chase reports my mortgage account as closed to the credit buraeu. My credit score goes down by 20 points. Negatively affecting my ability to refinance, new car loan, basically get any kind of new credit. 
6. Chase explains to me this is the way they report it and there's nothing they can do about it. Comes from a guy named XXXX ... he has no last name. 
7. Chase does not report the loan as Opened but transferred. they just report it closed. 
8. The new service provider, XXXX XXXX XXXX also tells me they have the right to suppress the payments for 60 days according to RESPA. I have done limited research on RESPA and can not find where it states that a consumers credit can be damaged by either a mortgage lender or a mortgage service provider. What I did find, was that they have the obligation to Protect the consumer during transfers. 
9. Also on XX/XX/XXXX XXXX XXXX XXXX has informed me that " I '' have to dispute this with the credit agencies. 
This is going to take hours of my time. I now have to correct something that I had no control over. 
Any help would be appreciated.
Consumer complaint received 2018-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Hi, One XX/XX/18 I underwent a XXXX. I received a letter from XXXX XXXX XXXX regarding my dues and I paid them in full. 

Recently I received a call from the Rash Curtis and Associates ( collector ) regarding the balance due ( XXXX ) for that XXXX. I was told that the XXXX XXXX XXXX are separate and their bill was different. I called them and ask why I did not receive the bill and I was told that their address was incorrect. They did not include my apartment number and that is why I did not receive any letter. They collected the address from the XXXX XXXX XXXX and did not try to reach out to me ever to get the amount paid. 

I called the XXXX XXXX XXXX to pay them the bill directly but I could not because the billing department already sent it to collection. 

I can not use my XXXX card for collection and I do not want to pay extra money ( interest ) because they did not send the bill to the right address. 

Thanks in advance.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MO)

There are medical things on my report yet i have Medicaid and have no medical balances owing. Some credit card accts are not mine and i need to dispute them. How can i despute these accounts?
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal was notified that my credit card was used fraudulently. They closed the account and placed it on my credit report as unpaid debt. They refuse to submit a fraud claim. I want this debt removed from my credit report.
Consumer complaint received 2022-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am XXXX yrs old and have paid Select Portfolio for a second mortgage since XXXX in the amount of $ XXXX with a maturity date of XXXX. Had them on auto payment and paid they XXXX and when I realized it and stopped payment, they are trying to foreclose on me saying I still owe $ XXXX. Plus I made two payments a month paying extra. My original complaint I was told by the manager the only way this would go away is if I submitted and identity theft report, I told him that is fraud and he said that was the easiest way out of this and they sent me procedures for doing it. This is all unbelievable. Please help me! 

They have class action lawsuits, please see this : XXXX XXXX XXXXXXXX XXXX  Thank you XXXX XXXX XXXX