davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Consumer complaint received 2021-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-03-21
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. (CA)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (VA)

XX/XX/XXXX we began the FHA home buying process with this company, XXXX was the loan officer. XXXX requested us to complete the application and submitted our requested W2 's. We received out pre-approval letter and contacted a realtor and located a house that XXXX approved was acceptable for our loan and we submitted a contract on the home,. Our debt/income ratio was approved and We began to pay off the requested debt. Any documentation was submitted quickly. We were given a closing date of XX/XX/XXXX. We were told that we we were " all good '' and informed that everything was in underwriting but It began to appear that someone in Nations Lending, perhaps XXXX, dropped the ball as we were then asked to submit paystubs, place a deposit of several more thousand dollars in our account, ( which we did ) and told that things were being help up because of an error in the appraisal. We contacted the branch manager whose reasonings contradicted XXXX. We contacted the Corporate office to try and get clarity on why we were getting the run around and within 5 minutes got a call from the branch manager that the loan was now denied due to debt/income ratio which we had already been told was approved. The appraisal would have never been ordered had they had done their due diligence. we were misled, lied to, and then because we went above their heads, the local office declined the loan. We want our {$600.00} appraisal fee refunded as they should have never ordered it if we weren't approved.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

On XXXX XXXX LexisNexis added a derogatory mark on my credit report per LexisNexis. Upon further research, on XX/XX/2021 I asked the company LexisNexis in writing to verify the account. After 30 days I than demanded for the Bankrupcty account to be removed from my credit report, due to the fact debtor creditor states theyve verified this Bankrupcty account with the United States Bankrupcty Court. On XX/XX/2021 I contacted the Bankrupcty court to confirm the information I was told by LexisNexis. In writing it was stated the United States Bankrupcty DOES NOT REPORT information to the credit bureaus. I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused public record at all. According to the FCRA LexisNexis has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report. 



The Company Lexis Nexis claimed that it needs to verify my identity in order to complete the investigation, in which is very false information. On XX/XX/2021 I mailed in a formal written complaint asking for proof of the bankruptcy to be verified. Along with the letter I attached identification such as utility bill, drivers, and proof of car insurance. 30 days after the formal complaint letter I than filed a 30 day demand letter asking for lexis Nexis to remove the inaccurate public record. I also have proof of each letter stating Ive provided the correct documentation following up on the dispute. I decided to file a complaint with the CFPB. In which my problem was still not solved I dont understand how the CFPB Can allow for companies to get away with making money from minorities with bad credit. This is unfair, and my problem was not been solved this company has no proof of the Bankrupcty so This public record needs to be deleted. The courts does not report to credit bureaus
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/XXXX, I submitted a complaint about PHEAA ( FedLoan Servicing ). I noted that they miscalculated my eligible payments for the TEPSLF program. PHEAA responded on XX/XX/XXXX stating " you called your loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to request an alternative repayment plan. Effective XX/XX/XXXX you began repaying your loans under the XXXX XXXX XXXX XXXX. This continued until XX/XX/XXXX when you requested to change your repayment plan to the Income-Based Repayment ( IBR ) plan with XXXX. '' This information is inaccurate. I was on an alternative repayment plan from XX/XX/XXXX to XX/XX/XXXX. However, I called XXXX XXXX XXXX in XX/XX/XXXX to request a Standard Repayment plan. Starting on XX/XX/XXXX, I was on a Standard Repayment Plan. This continued until XX/XX/XXXX. In XX/XX/XXXX, I requested to change my repayment plan to the Income-Based Repayment plan with XXXX. I have been on the Income-Based Repayment plan since XX/XX/XXXX. 

Therefore, all of the payments that I made from XX/XX/XXXX to present are eligible payments for TEPSLF since I was on a Standard Repayment plan from XXXX XX/XX/XXXX and then an Income-Based Repayment plan from XX/XX/XXXX to present. 

The uploaded documents clearly show that I was on the Standard repayment plan from XX/XX/XXXX to XX/XX/XXXX. I have each letter documenting this from all of the loan servicers that I have had during that time frame. You can see the documentation of a Standard Repayment plan on the second page of each document. 

I have applied for TEPSLF three times in the last two and a half years and have been wrongfully denied each time. It is vital that PHEAA fix this error immediately since this program is temporary and is first-come first serve. Once the funds run out, I will not be able to claim what I am rightly entitled to based on my qualification for the program. I have met all requirements for the program. I have been terribly wronged here and have spend countless hours trying to remedy a problem that should have never occurred. Every time I try to address this with PHEAA they keep giving me more inaccurate information. This is completely unfair and should be addressed immediately. I am entitled to have my loans forgiven.
Consumer complaint received 2021-07-14
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. (OK)

Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.
Consumer complaint received 2021-07-14
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. (OK)

Ive contacted Transunion several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but transunion still show them on my report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CL Holdings LLC (FL)

I am actually complaining about two agencies that I have no knowledge about. 
JEFFERSON CAPITAL SYSTEMS claims that I opened an account for {$460.00}. If I opened an account for that amount, then why was the card never used and no payments made. It wasn't until the pandemic hit is when I saw this mysteriously appear on my credit report, and I disputed it saying that I never knew about this account and I never received a bill. Next thing you know, they started sending bills to my residence until I began to send it back to the sender. That's not how that works. Thereafter, I started receiving harrasing phone calls daily non-stop. JEFFERSON CAPITAL SYSTEMS should have a record of me spending. I oppose of this and continue to fight against a lie.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OH)

I lost my job due to Covid- I was off work for 9 months I went into Loss Mitigation due to having financial hardship- I completed my hardship and was sent paperwork to have notarized and sent back. I did so, I never received a response that the paperwork was missing items and it would have to be sent back out to me, and to not make any payments until it was completed. I then never received paperwork and called back in I was told it was now " fixed '' and I was now delinquent. I then began to reach out to several people from XXXX to Current and no one will advise what I need to do or assist, only one person XXXX XXXX reached out to do a follow up satisfaction call, to see if My situation had been resolved this was on XX/XX/21. I advised it was not, he stated he would follow back up- No response- I have to date called 18x and not one person has ever returned my call nor assisted me. I even came home to a letter taped to my door, stating Freedom Mortgage was attempting to get in touch with me, and I would not respond. What a joke. I hate that my mortgage was sold to this company. As Customer Service and assisting people is there not a priority. After coming off a hardship, they just continue to keep the barriers there.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My husband had the credit card since XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him 30-days-late. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XX/XX/XXXX. I did not have the card in XX/XX/XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was part of a romance scam where the scammer scammed me out of ~ {$190000.00} by pretending to be a love interest over a 5 year period. Scammer pretended to be medical school student who needed assistance with school tuition, housing, etc. I recently contacted Bank of America 2 weeks ago to discuss this issue but they are unable to reverse any charges as scammer had my banking information. Scammer 's credit card was linked to my account and was able to charge my account. Scammer also asked for direct transfers via Bank of America 's XXXX so all of the stuff should be in the system. Bank of America pretty much told they couldn't do anything despite her even charging my account as recently as of XX/XX/2021. I even told them I reported this to the FBI
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (IL)

I received a letter from Harvard Collection Service located in XXXX in XX/XX/XXXX stating I owed {$900.00} and they were collecting on behalf of Illinois Dept of Human Services ( IDHS ). I never received a bill from IDHS and I had no idea what they were talking about so I called the number on the letter that was provided several times and I was not able to speak to anyone. Then I called IDHS and they had no record of me owing them anything. Then on XX/XX/XXXX I received an alert form XXXX XXXX that my credit score had dropped 96 points because Harvard Collection Service reported I owed {$900.00} for IDHS. I phoned IDHS and again they stated that I didn't owe anything to them and that they did not know of this collection agency. I then filed a complaint with XXXX  about this fraudulent report by the company. Upon filing I read over 135 complaints had been made against this company by others and saw a pattern that most of the people had also received a letter like mine in XX/XX/XXXX too. Some of them stated that they never even lived in Illinois or had not lived in Illinois in nearly 10-20 years or more and their credit was affected by losing 50-140 points ( that's really egregious ). It's apparent to me that this company has illegally obtained hundreds of people information including our social security number and because they are a " real '' company they have access to all 3 credit bureau 's where they submit these erroneous collection reports in an effort to bamboozle their victims into paying fraudulent charges/debit by impersonating that they are collection on behalf of IDHS which is a government agency. I hope that this can be brought to the attention of the public so they aren't fooled into paying this shady company money they don't owe and that they immediately remove their false report against me from all 3 credit reporting agencies. I fear they will assume another DBA and continue on with this illegal practice. They are now stating my account will be removed from all 3 agencies but it is in " pending '' status. That's crazy! They've created a bogus, fraudulent claim against me and now say it's " pending '' when it's not even real. I speculate they may be getting our information on the dark web. This is so scary and they need to be stopped. All the complaints and the pattern of this company 's illegal practices can be seen on XXXX  website. Please help me and all the others who they are victimizing. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-09-19
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: HYUNDAI CAPITAL AMERICA (CA)

HYUNDAI CAPITAL AMERICA obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Consumer complaint received 2021-07-13
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in XX/XX/XXXX! I placed a dispute with Experian two months ago. The result from that dispute was that the account ( XXXX  XXXX XXXX ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my FICO score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if XXXX  XXXX XXXX and Experian had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if Experian had reflected the account as closed in good standing instead of removing it from my report my score would be higher