davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

Account Number : XXXX Original Creditor : XXXX XXXX Amount as Listed on Credit Report : {$560.00} This student loan is from over 8 years ago and was supposed to be paid by my grandparents. In XXXX I realized it was reflecting on my credit and I established a payment agreement of {$50.00} per month to pay off the debt with Heartland ECSI. In XXXX I reached out to Heatland ECSI, the company I made my arrangement with and to whom I had been submitting my monthly payments, to inquire about any possible settlement offer to pay the balance in full. I was told I needed to contact the company that owned the loan XXXX XXXX and was given a number to reach them. When I called the number provided to reach XXXX XXXX I was advised that they in fact do not own the student loan and they have been receiving numerous calls from other people referred from Heartland ECSI regarding the same issue. I then called Heartland ECSI back and spoke with another representative. I explained the situation again and was given the same number. After I insisted this company could not help me I was told that is the only information they had. I then asked what payment could be made to at least bring my account current so that it would stop reporting as past due on my credit report. I was given a past due balance of {$1400.00} and was told if I made that payment my account would reflect current. I would then have a remaining balance of {$610.00} and I could continue making the $ XXXX  monthly payments until it was paid in full. Based on this information on XX/XX/XXXX I made a payment of {$1400.00} mostly from my Stimulus check. On that same date my automatic draft monthly payment of {$50.00} also processed so 2 payments were made on XX/XX/XXXX totaling {$1500.00}. 

The following month I noticed the account was still reporting negatively to my XXXX  credit report as past due. I reached back out to the company and this time was advised because the total balance on my account was past due it will continue to report as such until it is paid in full. This was absolutely not what was advised prior to me making the lump sum payment. I then asked if I was able to pay off the remaining balance could I have the account completed removed from my credit and they stated this could not be done and would only reflect paid in full. I have still not been provided with the correct contact information for XXXX XXXX and Im continuing to have this account negatively impact my credit month after month. Currently this is the ONLY account showing past due or reporting anything negative to my credit reports and it is severely impacting my ability to refinance my home and showing my as having poor payment history.
Consumer complaint received 2022-07-14
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. (TX)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PLANET XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 November 22, 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 Free Annual Credit Report, 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, Trans Union or XXXX 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.
Consumer complaint received 2020-07-02
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: Utah System of Higher Education (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : UHEAA XXXX - XXXX, XX/XX/2019 XX/XX/2019
Consumer complaint received 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC (MI)

So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.
Consumer complaint received 2020-07-02
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)

Experian did not delete inaccurate reporting by XXXX XXXX XXXX   of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Consumer complaint received 2020-07-02
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. (TX)

On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, XXXX, and Transunion detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

XXXX refused to open the investigation request. Transunion and XXXX  did not resolve the request.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. 

XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. 

XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. 

At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure.
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX failed to report my account to XXXX  which is in excellent standing causing my FICO score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by XXXX XXXX their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with Experian. The same thing has happened again with XXXX XXXX failing to show my excellent credit history with XXXX XXXX which has again damaged my XXXX score from XXXX to XXXX. 

I have sent XXXX  XXXX a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Montgomery County Credit Bureau (CT)

A few accounts on my credit report for XXXX XXXX card was not opened by me, it was a relative and I asked them to please address this for me through a dispute. They have yet to update and do the right thing. My complaint is for the response of a Company that is placing profits over what is right in a fraudulent account. Thanks!
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (VA)

This just appeared on my credit today. I never received a written notification of the debt to dispute. The company is collecting a debt I do not have a balance for with XXXX XXXX as they have confirmed this. Also this company is re-aging to make it seem current this was from XXXX. 
For a XXXX visit and XXXX XXXX said insurance paid my bill I do not have a balance due for XXXX XXXX XXXX. Also this is the second time a fraud company has tried to collect this same XXXX balance debt. I contacted a lawyer and they said this company is a scam and to report them to the fbi.
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 — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One failed to report my account to XXXX which is in excellent standing causing my XXXX  score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by Capital One their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with XXXX. The same thing has happened again with Capital One failing to show my excellent credit history with Capital One which has again damaged my XXXX score from XXXX to XXXX. 

I have sent Capital One a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( XXXX and Experian ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, XXXX and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.
Consumer complaint received 2020-07-02
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. (VA)

In XXXX County  North Carolina, I was ordered for XXXX XXXX, it was not accurate and the forementioned XXXX XXXX services show a order for XXXX dollars a month, with a past due balance XXXX that has accrued. And it is still showing up on my credit report every month, even though it is easily verified that what Ive repeatedly informed experian of is accurate. I just needed to call the XXXX XXXX services, and put in my information, and it will tell whoever calls that I do not owe anything.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account should have been in COVID forbearance and not negatively reported for the months of XXXX, XXXX and XXXX, however they reported the account late and also I recently have made a payment and have paid off the account and they are not showing my on time payment in the credit report. I need them to fix my credit information as it is negatively affecting my credit rating,
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX, I received a letter from convergent XXXX XXXX, stating that I owed XXXX dollars for a XXXX XXXX account that I had not created. It was deduced that my social security number was stolen and used to create this account in my name. I disputed this with the collection agency, filed a police report, disputed the claim to credit agencies XXXX, XXXX, and XXXX, and froze the account.
Consumer complaint received 2022-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX XXXX XXXX, account closed. XXXX XXXX opium, settled in court in XXXX. Now being harassed by PORTFOLIO RECOVERY ACCOCIATES whom I never gave personal information or permission. 
15 U.S. Code 1681s-2- Responsibilities of Furnishers of information to consumer reporting agencies.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXXXXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-21
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Dear to whom it may concern, Defendant EQUIFAX, XXXX and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX  and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported :XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2022-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (NJ)

On XX/XX/2022 i was contacted by a debt collector named Southwest credit syste, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in XXXX  now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX AM, in XXXX XXXX is central time which is one behind of XXXX XXXXime.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.