davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear T   rans Union, This is the 6th letter Im writing about incorrect information on my credit report. I checked my Trans Union Report on XX/XX/XXXX  and the item in question was deleted on  X/X/17  to be added again on a later date. This same item was then deleted again on  X/XX/17  and added again on  X/XX/17 . The item in question has been deleted from   XXXX    and  XXXX  and never added again. ( See item in question below ).
-  XXXX   XXXX   XXXX   : Loan #   XXXX    XX/XX/XXXX  Payment For the Home address listed on the letter above.
I have attached a copy of the disputed letter results sent to me by your company on   XXXX   The payment was made along with future payments, I would like to get the 30-day late payment removed, since the payment was made. I signed up for electronic communication when this account was opened and opted out of paper communication per   XXXX   XXXX   suggestions. I should have received my monthly reminders as I had in the past, but that did not take place and was confirmed by   XXXX   XXXX  . I also did not receive any phone calls from   XXXX   XXXX   in regards to this situation.
Please delete this misleading information, and supply me with a corrected credit report within 30 days. You have left me with no choice, I have filed a report with the Consumer Financial Protection Bureau on  X/XX/17 .
Sincerely,
Consumer complaint received 2016-06-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Collection Management. Inc (MO)

XX/XX/XXXX I had XXXX XXXX perform a XXXX. weeks later I received a bill from the insurance company. XXXX made an error -- had ordered XXXX. after many calls to XXXX and much time spent then the bill was removed. 
I now have received a collections bill in the amount of XXXX the bill is for a XXXX fee for the XXXX. the bill from XXXX was XXXX dollars. the collection agency charged XXXX to collect on this " debt ''. the fair debt collections practices act prohibits a fee being added to collect a debt.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

I received an email from  studentloans.gov. o n   XXXX   XXXX    2017 advi sing as follows ; Excerpts from email below ; " Dear  XXXX ,  The  Department of Education has approved your claim for forgiveness of your federal student loans under the borrower defense to repayment rule  , 34 C.F.R.
685.206 ( c ). "   ... ...     " The Department will notify your loan servicer of the approved forgiveness, and the forgiveness should be completed within the ne xt 60-120 days. Your servicer will send you more details about the forgiveness, including which l  oans have been forgiven. '' The period " 60-120  days '' has passed and I have yet to hear from Navient - the servicer. I contacted Navient  XXXX   XXXX ,    2017 and s poke with a representative and they had no information regarding the email I received. I had called the the phone number -  XXXX  - given the email and confirmed that the email was legitimate. I also sent a copy of said email to  FSAoperations@ed.gov  for further action or clarification and received an acknowledgement of receipt and nothing further so far.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants, INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 Diversified Consulting Inc sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALTERRA GROUP, LLC (NV)

I applied for a loan from Alterra Home Loans at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, Nevada XXXX on XX/XX/XXXX. The loan took over 8 weeks to close for no good reason. The contract had to be extended 3 times as the lender was unable to close on time. We should have closed on XX/XX/XXXX, but the close did n't happen until XX/XX/XXXX. This loan was contingent on the property 's appraised value. The lender received the contract on XX/XX/XXXX and did not order the appraisal until XX/XX/XXXX. Every time the lender requested documents from me, I provided them within 48-hours or less. The lender has yet to explain why it took them so long to close the loan. As a result of the lender not being able to close until after XX/XX/XXXX, I was charged pro-rated rent charges in the amount of XXXX. I had a 6-month rental agreement with the seller/landlord of the property. The rental agreement expired on XX/XX/XXXX. Had the loan closed on time, I would not have had to pay the XXXX. Per my closing documents, the lender paid the seller XXXX to compensate her for the delay in closing the loan on time. I have sent them 6 request to compensate me as well. I was their customer, not the seller. The only response to my requests came from XXXX XXXX via email. On XX/XX/XXXX, she wrote in an email, " I am out of town. I will return tomorrow and I will speak to the manager regarding your request. '' To date, she has not gotten back to me, nor has she responded to my follow up emails. I advised her that if I did n't get a response from her or the manager XXXX XXXX by XX/XX/XXXX, I would be filing a complaint with CFPB. At the day of the closing, I learned the lender had charged me XXXX to reduce my interest rate. They never said anything about this charge.
Consumer complaint received 2017-08-15
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: Columbus Finance Inc. (OH)

AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MO)

Comenity bank notified me that my XXXX account would be closed due to the XXXX acquisition. However, when I called to confirm this information I was told yes ALL XXXX accounts will be closed. When I pointed out that my husbands XXXX account would remain open after the acquisition, I was then told it is because their terms say " we can close your account for any reason at any time. '' This is an unfair practice with no justification. If one account can remain open after the acquisition then why must mine be closed. This will have a severely negative impact on my credit score and I have been give no real reason that my account will be closed on XXXX XXXX, 2017.
Consumer complaint received 2017-08-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (CA)

I received a robocall from phone number ( XXXX ) XXXX looking for " XXXX '' and said to call ( XXXX ) XXXX to " find a voluntary resolution since the client has given authorization to rescind the process ''. The message went on to say " settlement options go down to 75 % you may pay online at www.directrecoveryservices.com ''. I called the original number and an XXXX XXXX asked for my name and claimed I took a pay day loan from a company I never heard of ( XXXX XXXX XXXX ) back in 2013 and asked what my intentions are. I told them to send me the information to my mailing address per the Fair Debt Collections Practices Act as I do not recall such loan. XXXX XXXX said " You 're was stalling '' and said they could send it to my email. I said the law states within 5 days of today 's date verification of the debt should be mailed at my home address. XXXX XXXX got flustered, apparently unaware of the law. She then stated " You 're stalling, it 's on your credit report '' several times and said " we have had your account in our office for a long time '' and hung up on me. I called back and then a XXXX XXXX answered and tried to verify my personal information. I told her repeatedly that I do not give my information to people I do n't know. XXXX XXXX claims she needs to verify my personal information per California law. I said I 'm recording this conversation and said that it 's funny, they 're not following Federal law. I notified her I would be reporting them and not to call me back or I will report them further to the FBI. I 've attached a picture of my voicemail proving they called and I also have the recorded conversation.
Consumer complaint received 2017-08-16
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. (GA)

I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MN)

I 've disputed credit line entries on XXXX, XXXX, and Equifax credit reports. Many credit report line entries have been adjudicated by CFPB including robo-signing by major national bank credit card accounts such as XXXX, XXXX, XXXX XXXX XXXX plus more. 
Additionally, these fraudulent credit card accounts are resold to predatory debt collectors - adjudicated by CFPB already. Many debt accounts are XXXX or XXXX debt placements and many exceed MN Statute of Limitations for debt collectors. I require CFPB assistance?
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-08-15
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: LEXISNEXIS (TN)

problem : all of the above.
failure to remove XXXX ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints.
allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ).
showing outdated debts ( 10 years back ) and refusing to remove them.
failure to respond to legal notices sent certified mail to all 3 bureaus.
refusing certified mail.
failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law.
posting information from unknown sources and not from XXXX XXXX courthouse about illegal eviction when XXXX remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ).
refusal to sync accounts with other bureaus data as per deletions.
refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.
Consumer complaint received 2017-08-15
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: EQUIFAX, INC. (LA)

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc. (DC)

The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}.
As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (FL)

I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved
Consumer complaint received 2017-08-15
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: EQUIFAX, INC. (TX)

Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
Consumer complaint received 2017-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in  court.