davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for XXXX. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Experian says it will show on my credit report as a released tax lien until XXXX XXXX. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Usaa Bank has refused to honor replacing a car from an accident XX/XX/2013, which has caused an unneeded expense of over {$30000.00}, plus XXXX, replacement job wages, items lost in car and we were told USAA BANK illegally totaled the XX/XX/2013 car, and as well USAA BANK refused to send proper acknowlegement to these things but to use hate, anger and illegal activity to cause severe issues in all USAA BANK related uses, causing credit issues health issues and other issues not needed.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (DE)

I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a letter from a debt collector that i previously advised that the debt was discharged in bankruptcy. I sent them the case information in the mail. I have since received 2 additional letters.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Affirm Inc 's negligent and unlawful reporting of charged-off accounts on my credit report, in evident violation of the Fair Credit Reporting Act ( FCRA ). 
The accounts in question were charged off incorrectly and have been misreporting to credit reporting agencies. This action by Affirm Inc. constitutes a gross violation of consumer protection laws and is adversely impacting my creditworthiness. 
Inaccurate Reporting : The account reported by Affirm Inc. as " charged off '' is incorrect. I have made all efforts to address this issue directly with Affirm Inc., but they have failed to rectify the matter or provide proper documentation supporting their erroneous reporting. 
Violation of FCRA : Under the FCRA, Affirm Inc. is required to provide accurate information to credit bureaus. Their blatant disregard for this legal obligation is causing significant harm to my financial reputation and stability. 
Failure to Investigate : I have disputed this inaccurate reporting with both Affirm Inc. and the credit bureaus, but Affirm Inc. has not conducted a reasonable investigation into the dispute, as required by law. Their failure to correct this error is both unlawful and unacceptable. 
Adverse Impact : Due to the false reporting, my credit score has been unfairly affected, leading to denial of credit and financial opportunities. This is causing undue stress and financial hardship. 
I demand that the CFPB take immediate action to investigate this matter thoroughly and ensure that Affirm Inc. corrects the inaccurate reporting. I also request that Affirm Inc. be held accountable for their negligent practices, which are in violation of my consumer rights. 
Thank you for your attention to this matter. I expect a prompt resolution and the immediate correction of this incorrect charge-off on my credit report.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

In XXXX of XXXX, I enrolled in a XXXX with XXXX of NJ ( now XXXX University ). It was a new program and I along with a handful of other students were the first inaugural class. The program was described as a XXXX program for highly qualified legal students. Further, we were told that the program would eventually be XXXX ( XXXX ) certified. However, the program was first " downgraded '' to just requiring an XXXX and then eventually discontinued in XXXX as no " profits '' were being earned by the institution. Only XXXX students completed the program over four years and there was never an XXXX approved process. This has made the certificate, which I originally paid over {$16000.00} for, useless. I now owe over {$18000.00} with interest and have been making payments for over 6 years. I would like the institution to refund me the original amount plus interest since the school no longer offers the certificate and since it was never XXXX approved, which most employers want in a XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am processing disputes on my credit report for unauthorized inquiries that are hindering my credit file. This has been reported an i have no knowledge of any inquiries listed on my file. Please review an remove the listed items. I have reported the listed items as fraudulent an are unaware of inquires reporting that is causing many denials on my credit report. Delete And remove asap.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Quality Asset Recovery LLC (NJ)

I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-07-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (NY)

I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

Equifax Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - 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 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 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 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
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS  XXXX  ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns  XXXX  or  XXXX  unit in the building and they found that it is not meeting the   XXXX   XXXX   requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter.     While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception.     This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the  53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (NJ)

While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (DE)

I get repeat calls from Municipal Services Bureau about an " important matter '' on my business telephone line. This line has never been associated with any personal debts ( mine or anyone else 's ). And internet search lists them as a debt collection agency. I have received XXXX calls this week alone. None of the voice messages mention the reason, my name, any name, or anything aside from a call back number.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

Well i have both federal and private loan. I graduated college only owning XXXX dollars. I got out of college and did not get a high paying job and had other bills to pay. Well they steered me towards forbearance on federal loans and gave me low income based repayments plan for my private loans, never telling me that the interest alone would raise my principal by double ... I now pay close to 500 dollars a month for federal and private loans and i now owe around 58000 dollars.
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TN)

I noticed a collection on my credit reports in  XXXX    XXXX   for  XXXX . I had cancelled their service and returned the equipment so I was not aware of any debt owed to the company. I do not recall receiving any kind of correspondence from the company but learned in  XXXX  of this year that they had turned my account over to Receivables  Performance Management for collection o f {$400.00}. I contacted  XXXX  shortly after and requested verification which I never received. While speaking to the customer service rep, I asked if I paid the balance they said that I owed would they remove it from my credit reports and I was told that they would. Because I wanted it off of my credit report, I started making {$100.00} payments directly to  XXXX  since they explained that they would instruct the collection agency to remove the debt upon full payment. I paid over the course of 2 month in {$100.00} increments until the balance was paid in full in  XXXX . I was told o n 3 se parate occasions that upon payment in full that the collection would be removed from my credit reports upon the request of  XXXX . This information was given to me twice by customer service reps on  two  separate occasions and once via chat with a  XXXX  rep. I paid under the belief that they would do what they said they would. I even refused a settlement offer from the collection agency because I was told that the account had to be paid in full. Once I made the final payment, I contacted  XXXX  regarding the removal request and was told by a very rude customer rep that they would not instruct the collection agency to remove the collection off of my credit reports. I asked to speak to a supervisor but was denied repeatedly. No one ever returned my call, although I requested it. I then attempted to contact someone at the collection agency. I sent an email explaining the situation and provided a copy of the internet chat transcript between the  XXXX  rep and I but the issue was not acknowledged. I think it is unfair for  XXXX  to secure payment under false pretenses. I paid under the assumption that once it was paid, it would be removed. I was never provided with any information validating the debt although requested and my attempts to resolution to the problem was ignored by both the original creditor and the collection agency. Validation was finally offered after I had paid the amount they said I owed by buy this time it was useless since I had already paid the debt.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (KS)

I opened an American Express XXXX rewards account back in 2011. Recently, American Express sold the XXXX loan portfolio to XXXX due to XXXX dropping American Express at their stores. When I recently viewed my credit bureau report with XXXX, American Express is failing to accurately report my credit history from XXXX to XXXX. Specifically, they are not reporting my monthly balance, my monthly payment, or how I paid the account. When I went on XXXX 's XXXX page, others are reporting the same problem. Many are stating their credit scores have dropped by XXXX-XXXX points. Mine has dropped as well. American Express should accurately report the customer 's credit history despite the loan transferring to XXXX. It seems like a really manipulative way to get back at XXXX for not renewing their contract. While I have filed a dispute with XXXX, I believe the Consumer Financial Protection bureau should be made aware of the situation anyhow. Plus, American Express should report my credit history accurately on all XXXX of my credit bureaus. Lowering my credit score could cause me and other consumers to pay higher amounts in interest on future loans.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

i was misinform that naviet took over XXXX. I was XXXX at the time and nowhere to go. when I find that naviet took over. I call to see do they had deferment they told me no. I did n't know what to do.. now I got naviet and XXXX on my credit report. naviet making my credit look bad.