davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.
Consumer complaint received 2022-06-11
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. (FL)

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AL)

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$4700.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

We found this mortgage lender for a house back at the end of XXXX. We had the house lined up that we wanted and the lender agreed on an interest rate of 3.625 % if we locked it in by paying a {$500.00} fee. We paid it because he said they would guarantee this rate through the end of XXXX. The house was under construction and wouldnt be completed until that time. We are to do the final walk-through on Monday and close on XX/XX/XXXX. The lender now says even though they made this guarantee to us that they made a mistake and can no longer honor it. They just told us this yesterday, Friday XX/XX/XXXX. They say they will loan us the money but at the new XXXX of 5.5 %. That raises the monthly payment an additional {$700.00}. Thats an estimated amount of {$210000.00} over the life of the 30 year mortgage. Because of this Im now in breach of contract with the builder. Financially I am unable to pay the higher amount. For the past 5 months Ive been in contact with the lender and was assured everything was progressing fine.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX  My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

Issue : On XX/XX/XXXX I spoke to a Nelnet Representative by the name of XXXX. XXXX informed me that I could receive a .25 % interest discount if I made my student loan payment ( s ) by enrolling in Auto Debit. Consequently, I enrolled immediately for Auto Debit and the Auto Debit began on XX/XX/XXXX from my XXXX XXXX account. 

After speaking to a Nelnet Supervisor, XXXX on XX/XX/XXXX, I was informed that I had not been getting the .25 % loan interest rate discount and that my loan ( s ) did not qualify for that discount. XXXX informed me that the representative, XXXX ( back in XXXX of XXXX ) had provided incorrect information and that he, XXXX was not surprised. Obviously, XXXX/Rep in XXXX did not research the type of loans I had to ensure the loans actually qualified for this .25 % discount. 

Consequently, for four years, I have been enrolled for Auto Debit making my payments and have not been reaping the benefit of the .25 % loan interest rate discount which I guesstimate would be approximately {$1.00} - $ XXXX over the course of 4 years. 

In addition, in XXXX of XXXX, XXXX/Rep did not inform me at that time that I could apply for a Direct Loan Consolidation and this also would have ensured the .25 % interest discount with Auto Debit. 

On XX/XX/XXXX I spoke to XXXX XXXX/Supervisor at Nelnet and was told there was nothing Nelnet could do about the mistake. XXXX also informed me she would file a complaint internally. However, I would not be contacted about any internal Nelnet results. 

I again on XX/XX/XXXX, had a lengthy conversation with XXXX XXXX/Supervisor about the XX/XX/XXXX, .25 % interest rate mistake on my account, and was told the same thing again, i.e., there was nothing Nelnet could do, but that she/XXXX  had already filed the complaint internally. 

This is not the first time over the years that Nelnet representatives have provided me with incorrect information. Disappointing, extremely disappointing, and frustrating that I made an Auto Debit decision ( s )  based on receiving inaccurate information. Moreover, that Nelnets INCORRECT information has cheated me out of a substantial discount when I could have also been advised by XXXX/Rep to apply for a Direct Loan Consolidation ( enabling me to actually qualify and receive the .25 % discount ).
Consumer complaint received 2022-07-12
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. (FL)

The term " investigate 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (WI)

We had a mortgage with XXXX, also known as NewRez. During the Covid-19 crisis we were granted, in writing, forbearance relief of 6 months. This forbearance relief allowed for XXXX  payments for 6 months, with written confirmation that this will NOT affect our credit nor create any negative credit. We did not pay our mortgage for 4 months, then sold the property and paid the mortgage off in full. XXXX has hit both of our credit reports with a >120 day delinquency. We are trying to work with XXXX and also with NewRez to correct this on all credit reports, but as of this writing we have not had success.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian is reporting multiple accounts past the statute of limitations and refuses to update my reports. These accounts should no longer be on my reports as they are past the statute of limitations for California. 

XXXX XXXX XXXX XXXX XXXX which is reporting twice, 1 showing paid on time every month and 1 showing missing payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy, XXXX XXXX. This public record literally does not even include my name and it continues to be reported only by Experian and Experian continues to not delete it or provide ANY proof that this is my public record. They are violating my rights.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I sent out a certified letter to Experian requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent Experian a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.
Consumer complaint received 2022-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (AZ)

I applied for a home equity loan on XX/XX/XXXX. In the initial screening, I was asked if I had a money market account, and I said yes. Discover Home Loans, reached out to me for all the required documents, but did not ask for my money market statement. I called XXXX and asked about my status and they said it was finishing in underwriting and all was good and it would process the following week. The following week, I noticed that my loan was denied. I called Discover and they said the loan was denied because I didn't have sufficient liquid assets. Apparently you need 2x your monthly mortgage in your checking account. I was never advised of this. I could have moved money from my money market. Also, no one ever called me to discuss the denial even though the website says my personal banker would be reaching out to me. When I spoke to a different banker on XX/XX/XXXX, they explained the denial and said someone should have called me with a counter or to request the money market statement. Then he arranged for a supervisor to call me and said it would be that day. I never received a call from the supervisor. He said I could reapply with the money market, but I would have to start all over again. I had all the required documents and liquid assets to obtain this loan, but due to poor communication on the part of Discover employees, I was denied. In my opinion this is bad business. I hold a Discover credit card, they sent me the info to apply for the loan and then didn't do their part to close the loan properly, nor did they follow up with me when I called to understand why. I especially have a problem, with a supervisor not following up.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( XXXX ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Consumer complaint received 2022-06-11
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. (TX)

The Company Is Experian. 

I have been disputing an account with XXXX XXXX XXXX, for years now. 

Each time, it seems like all they do is reach out to XXXX XXXX XXXX via some automated system and then take their word for it, despite providing proof that the company was not reporting accurate information. 

The past time, XX/XX/XXXX, I spoke with someone on the phone in the Disputes department for over an hour we went through all of the documentation, including results of my CFPB report about XXXX XXXX XXXX and the advised that they would be reopening the dispute and requesting that the account be removed from my credit report, due to the fact that I had a letter from XXXX XXXX XXXX admitting the account was supposed be in Closed and Charged off since XXXX and XXXX XXXX XXXX was still reporting it as Open, Late, and Increasing the amount owed on the account each month. He even escalated the issue and reviewed it with his supervisors to ensure it was the correct path of action to take. 

Despite this, the dispute came back this morning, marked as " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' and they once again increased the amount owed on the account. 

At this point it seems like they just rubber stamp whatever the company reporting to them says, and they actually don't may any attention to what is really happening.
Consumer complaint received 2022-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (VA)

This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I requested that a number of items on my report be investigated and verified. As of today XX/XX/2022 I have yet to hear anything back stating that a investigation has begun or been completed. This has hurt my ability to obtain credit.