davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The 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 orvacy 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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I owed {$8100.00} on my XXXX bank credit card which I paid off to zero balance. As a result of this payment, Equifax dropped my credit score by 40 points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.
Consumer complaint received 2021-08-06
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 attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

There was two accounts opened for a Car loan for first national bank and XXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2020, I sent Equifax a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX XXXX According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Equifax received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter XXXX has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for American Express Every Day Credit Card on XX/XX/XXXX and was approved for XXXX Membership Rewards Points after spending {$2000.00} within 3 months as welcome bonus. Now after 3 months I didn't receive my welcome offer even though I've met the spending requirement. I tried to talk to American Express and they said my welcome bonus was declined with no reason. During the application process, there was no pop out window reminding me I would not eligible for this welcome bonus offer. I hereby request American Express to investigate my case and grant me the welcome bonus.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

The company did not give me more information as to the bill in question, and when I tried to dispute it over the phone they told me they could clear the debt and would help me if I paid XXXX XXXX per month for them to do so, saying if I didnt do so it would affect my credit score, etc. I responded that this is not my debt. I work XXXX  so I was not able to dispute the debt in time but this is not my debt. Company mentioned this could affect my ability to buy a home, I said I own my home and this is not my debt. They said just pay, I said I wont because this is not my debt. I want to see the bill in question and time period as I moved from XXXX XXXX  to XXXX and then XXXX and divorced from my husband in XXXX. I have no lived in the home since XXXX and am based in XXXX XXXX. XXXX is a XXXX XXXX  company and the address in question is XXXX XXXX XXXX, XXXX, NJ XXXX, and should be charged to my ex husband who is the current sole homeowner, XXXX XXXX. I can provide all divorce papers showing I have not lived in the home since XXXX.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NV)

In XXXX of XXXX, I got married and changed my name. I updated my name to all of the appropriate bureaus and Equifax is the only entity that has ruined my credit because of it. It took almost a year for them to correct my name because initially, they opened a new credit profile under my new last name and kept my previous name active under my old profile which caused confusion and that split my entire profile in two. Under the new one are my new accounts from XXXX to now ; the old one was everything prior. It took many calls and emails to figure out what the issue was. When I called, I was told they had to merge the two profiles together and that would solve the issues. While this was going on, my credit took a hit because Equifax stopped reporting my on-time payments to my open accounts. They have not reported anything since XX/XX/XXXX and it is now XX/XX/XXXX. When I called in XX/XX/XXXX to ask them to resolve this and make sure my credit report was accurate, I was told that a ticket would be open and it would be worked on. I called a few weeks ago for an update and was told my ticket was still in the queue to be worked on I was told I was not the only person this happened to so they fix it when they get to it but there is no timeframe. This has caused damage to my credit and my reputation and I just need my account to be fixed, please.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

My student loan servicer is Nelnet. They have usually been responsive in the past but that has recently changed. They no longer provide a chat option that I can find so the only way to contact them is by phone ( absurd wait time, I am on hold right now for 20 plus minutes ) or by filling out the contact form.

So I tried the form. 3 times so far with no response. None!

I work for a public agency and get paid once a month. I wanted to request that my payment date be changed to nearer/after my pay date. I filled out the form 3 times with this request and submitted it but have not received a response as of this date. Not once! How is this possible? How is it fair that I am just talking into the ether with zero response? Why am I held accountable but they are not? This is not ok and there should be consequences for my being unable to manage my account or communicate with those who I am dependent on to manage my account. 
They are setting me up for failure. I just checked my account and it shows that I am late on my payment ( duh, I need it 10 days in the future! Is that so hard? ), and I'm sure there is a nice late fee attached to that. 
Anyway, what am I supposed to do? The citizen is helpless in the tech age with no way to resolve issues. Just a lot of dead air. Next I will contact the Bursar ... or an attorney.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (NJ)

Since XXXX, Ive received at least 4 previous calls or text messages from a collections company, trying to speak or make contact with a person named XXXX XXXX Each time, Ive explained to these individuals, this phone # is my personal phone number and I have no knowledge of a XXXX XXXX. Ive also made it aware to each, to stop calling my phone # and remove it from their system as related to their business. On Thursday, XX/XX/XXXX I received a voicemail message from a woman named XXXX XXXX from Central Portfolio Control Inc, asking I return her call @ XXXX. 
On Friday, XX/XX/XXXX @ XXXX XXXX, I received a text message to my cell phone # XXXX from # XXXX that read, Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter of yours, then asking to contact them @ XXXX using, which they state in the text message, is my ID # associated with this issue, # XXXX. ( see attached pic ). I called this XXXX XXXX back at the # XXXX twice on XX/XX/XXXX @ XXXX XXXX and again @ XXXX XXXX XXXX. Both times I left messages to stop calling my cell #, This is not XXXX XXXX nor his phone # and this is phone is a private #. The next day, XX/XX/XXXX @ XXXX XXXX XXXX I call Central Portfolio Control Inc @ XXXX which I got from XXXX search of business A woman answered, stating, Thank you for calling Central Portfolio Control, How may I assist you today. I explained to this woman about the left message I received from XXXX and recently the text message I received on my phone as to them trying to contact a XXXX XXXX. I advised this woman Im not XXXX XXXX, this is not his phone # XXXX and this # is a private #. Please stop calling and texting this #, my personal phone. The woman just sent my call to XXXX voicemail which it did. As a government law enforcement official, Ive taken many steps to protect my identity and personal information thats been compromised in XX/XX/XXXX with team XXXX servers. Ive placed active military alerts to all three credit reporting agencies, and have listed my # with the federal do not call registry since XX/XX/XXXX. Im asking for your assistance to have this agency/company/entity to immediately cease and desist in all forms of communication, phone calls, texts, email or US mail immediately for purposes of trying to contact a person named XXXX XXXX whom I do not know or ever met. This phone # is my personal number, assigned to me since XXXX via XXXX XXXX. I believe, again, another company such as this is looking for a person, XXXX XXXX that May or May not have been associated with this # at some time and maybe has outstanding debt with someone.
Consumer complaint received 2021-08-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

To Whom may concern : i have been trying to get this item off my credit report for months now. This account does not belong to me it shows as a authorize user. I tried calling the credit card company they cant removed it unless i know the password. i keep advising them i don't even know the person or the address that is affiliated with the account, so can you please looking into the account for me. Thank you
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I still have yet to received all of the proceeds from my recent cash out refinance with better.com. 

Appraisal and title were cleared XX/XX/XXXX. It was not until XX/XX/XXXX after significant prompting on my part that we signed the closing documents. Before the appointment, I emailed our closer requesting confirmation of what I should expect from the disbursement process. 

At the closing, we were asked to write out our bank routing and account number for the signing agent to deliver to title. I had received no response from the closer, so I sent a follow up email on XX/XX/XXXX requesting the same information and attempted to confirm my disbursement preferences in the same correspondence. This email yielded a response saying to ask my questions of the title company XXXX XXXX. 

I emailed XXXX XX/XX/XXXX and asked how and when I should expect the wire transfer and distribution of the creditor payoffs. I never received an email response. 

XX/XX/XXXX, two days after my loan should have funded, I still had no funds and no response, but was receiving congratulations emails on my recently funded loan. 

I responded to ask where the proceeds were via email. No response. 
I called the title company. No answer and a generic voicemail. 
I called my closer. Another representative said the loan funded XX/XX/XXXX and they would have our closer call when he arrived. 

No phone call. 

I received an email saying if they heard something they would let me know, but they couldn't make calls because of extenuating circumstances. 

I emailed the head of operations and my closer to complain that I was not being given any sense that I was a priority. 

I threatened to file this complaint and several hours later received a phone call from title. They were " too busy '' to fund our loan earlier in the week and wanted to confirm my wire instructions and mailing address. They had planned to handle the funding Thursday XX/XX/XXXX, when it should have been handled XX/XX/XXXX. I was assured I would have my creditor payoffs in hand via XXXX XX/XX/XXXX and the wire XX/XX/XXXX. I requested they overnight those to my primary residence rather than my investment property securing the transaction. 

The wire came through XX/XX/XXXX. The payoff checks to the creditors have yet to arrive. Nobody apologized. Nobody reached out to me to confirm I got my proceeds and my issue has been resolved. My issue remains partially unresolved 5 days after my closing should have occurred. I've requested a refund of the accrued interest I'm being charged on proceeds not received. I've received no response to that request. 

I want the remaining proceeds and a refund of charges for funds I did and still do not have access to.
Consumer complaint received 2022-04-13
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00}
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc. (MS)

In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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