davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (GA)

I own a credit repair company, I have used my own software to submit disputes on behalf of my clients as well as myself and the same results happened for this complaint I am filing for myself. Depending on the results I will file for my client as well. 

The disputes were submitted XX/XX/2023, and on XX/XX/2023 I received a response from Experian stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' I submitted a letter stating that it was in fact me and that they need to comply with the investigation under the FCRA and that they were in violation on XX/XX/XXXX. On XX/XX/XXXX I received the same above email. 

I am just now getting the free time to write this complaint as of XX/XX/2023 they still have not complied.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peritus Portfolio Services II, LLC (VA)

I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact XXXX, which l did on XX/XX/2020 who told me they will reach out to Peritus, in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as XXXX tols me it is not in arrears and that also they told me Peritus has not sent over payment l spoke to XXXX a supervsior at XXXX. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called XXXX and they told me it is not in arrears and that they will also call Peritus as Peritus has not been documenting in my account and XXXX said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. XXXX told me they have never reported, my discharge date to them as well.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

In XX/XX/XXXX I received a letter to appear in XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by Portfolio Recovery Services., LLC ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the Portfolio that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX XXXX XXXX XXXX. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already reached out to Transunion and to XXXXXXXX XXXX  and notify them of their error posting of information on myreport. I was never late on these accounts. I have been monitoring my credit report for anychanges since my several dispute letters, but I am yet to see the correction that I asked forand desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of thepayment history but I did not receive what I asked and these violations still persist on mycredit report.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

On XXXX XXXX, 2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.
Consumer complaint received 2019-11-25
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. (IL)

I noticed that my U.S Dept of education loans are not updated. That loan was closed with XXXX balance as the other bureaus have updated there system. Experian is the only Bureau with a balance for that account as the system has not yet updated.
Consumer complaint received 2019-11-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (NM)

In XX/XX/2019 I received an email from Veterans United Home Loans stating my file ( case ) was closed. I sent and email back that also went unanswered : What a horrible  service! I never talked to anyone. My messages were never answered. I never received a letter. What a waste of time. This company got my information and I got nothing. Asking this company to delete my information would not bring justice.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I have reviewed my credit report because I am planning to buy a house, and I noticed that there are XXXX inquiries on different dates made by XXXX that I did not authorize. I want to clarify this situation and ensure that my credit report only reflects accurate information. '' MY DATE OF BIRTH XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-25
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. (SD)

I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with XXXX. The website is geared to selling me a subscription and involves multiple XXXX  identities - I'm was not sure who is the real XXXX  and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to XXXX, I was given 3 different XXXX   phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - XXXX  or a subscription service that I don't want.
Consumer complaint received 2019-11-25
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: EQUIFAX, INC. (TX)

ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.
Consumer complaint received 2020-04-18
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: The Bureaus, Inc. (CT)

I have a debt reporting from the burraus in the amount of XXXX. This debt is from 2011 and is still reporting. I am requesting for removal from my credit.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

For the past two months when I go to XXXX for an Experian Credit Report, I get the following message : Experian We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

Then goes on to say I can complete a form and mail it to Experian for my XXXX  XXXX XXXX XXXX now once per week. XXXX and XXXX, apparently, don't have the same condition preventing those two businesses from providing a credit report to me because I have gotten reports throughout the summer from them.

It's not especially easy to get a person on Experian 's phone number ( s ) but XXXX, I did speak to a woman at Experian. I explained the issue, the woman told me it was XXXX XXXX XXXX XXXX problem and I needed to contact them. I explained that I had and XXXX had sent me a letter telling me that I was only able to use the mail to get an Experian Credit Report. It was up to Experian. 

The woman disagreed with me after checking her computer. I would like to know what condition exists that prevents Experian from being able to allow me to get my credit report. What do I need to do to get my report?
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with Transunion. The website is geared to selling me a subscription and involves multiple Transunion identities - I'm was not sure who is the real Transunion and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to Transunion, I was given 3 different Transunion phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - Transunion or a subscription service that I don't want.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Hello, This is in regards to my XXXX XXXX loans with Mohela and XXXX XXXX XXXX loans with XXXX. I completed a XXXX XXXX Applications against The XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XXXX on XX/XX/2022. I am XXXX XXXX XXXX vs XXXX. After I completed the XXXX XXXX Applications, I was advised to consolidate the XXXX XXXX XXXX XXXX loans. Which I did. Now all loans are with Mohela. My complaint is this..I need the loans to be put into XXXX XXXX for as long as the XXXX XXXX Applications are being reviewed by the XXXX XXXX XXXX XXXX While the loans that were originally with Mohela are in XXXX XXXX, the XXXX loans that were with XXXX that are now consolidated with Mohela are not in XXXX XXXX. I have written Mohela, I have tried to contact them via phone, I have done chat on website, but I am either getting no help, no response or the run around with putting these loans into XXXX XXXX. I need all my loans with Mohela to be put into XXXX XXXX while my XXXX XXXX Applications are being reviewed/processed. Thank you for your time and help with this matter
Consumer complaint received 2019-11-25
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. (IN)

I am an Equifax Breach victim. 
In XX/XX/XXXX I placed Fraud alerts on my account.

In XX/XX/XXXX I upgraded that to a freeze. 
XXXX received a phone application from someone using my social security number They willfully ignored the fraud alert and processed an application which resulted in an unpaid fraudulent account being placed on my credit after being put into collections. 
I live in Indiana and have never lived in Texas. In addiiton to the fraud alert they ignored, red flag rules should have flagged the application and they should have denied the request. 
Their willful actions have adversely affected my credit by 35 points and already wasted hours of my time. 
I was told at first when I called them that I needed to call the police. 
I declined and asked for a supervisor. 
She said they don't have any way to process fraud alerts. When I explained by law they are required she said she'd forward my issue to legal. 
I asked for the phone number or email and she refused to provide it. 
I asked for a copy of the application and she wasn't sure how to provide it. 
THis company is seriously incompetent in understanding credit law and consumer rights yet they have access to credit reporting agencies.
Consumer complaint received 2020-04-18
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. (NY)

Experience is in violation for reporting, misleading, inaccurate, unverifiable information my current credit report. A violation of FCRA rules section 1681. 

Please see attachment ; Account : XXXX XXXX  ; investigation can not verify account, a violation of FCRA 1681
Consumer complaint received 2023-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. CAPITAL ONE, XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Receive calls from Navient about 2 to 3 times a year indicating one payment in the rears. Loan payments are automatic and each time they call account indicates XXXX payments due. These people are EXTREMELY rude and never look for discrepancy between what account indicates and what they are seeing due. Moved up payment date twice for good faith effort to rectify situation.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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.