davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: EQUIFAX, INC. (FL)

Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.
Consumer complaint received 2017-07-24
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. (AL)

I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
Consumer complaint received 2017-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In the summer of XX/XX/XXXX & early XX/XX/XXXX, TransUnion experienced 2 separate computer glitches that caused inquires to be deleted from my credit report. Those inquires were then added back to my report once the glitch was discovered, however I was not notified of the inquires being added back. Legally, they were suppose to provide me written notice 5 days prior to them adding the inquiries back. I contacted TransUnion in good faith to ask them to delete the inquires that had been illegally re-added. On XX/XX/XXXX @ XXXX, I spoke with XXXX XXXX in an office outside of the USA , he refused to provide the exact location. He stated that a glitch did take place, however the inquiries were not being removed. More than once he acknowledged the error as well as me not being informed of it, but still refused to take action. These inquires add a hardship & my rights were violated by TransUnion. I am asking that you make TransUnion stop victimizing me.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Hi there is XXXX accounts In collections Again on my Credit report Equifax only, These Identity and Financial Fraud happen sometime ago and was removed from my credit report. You guys also help with that issue a fee years ago. XXXX Equifax put it back on? Knowing its fraud. I have also submitted all info and I was living out of the country at the time of fraud I just returned late XX/XX/2015 and now just say this back on my Credit file. Please remove XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
Consumer complaint received 2016-12-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Lincoln Educational Services Corporation (NY)

I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (AP)

In XXXX, I purchased a home in XXXX, XXXX while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XXXX. Since XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. Seven XXXX XXXX XXXX years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

This complaint is being filed against Experian, XXXX, and XXXX for their failure to verify and correct inaccurate information related to a late payment reported on my XXXX account ( account number : XXXX ) **. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, and I request immediate removal of this information from my credit report. 

Violations of Rights : 1. Inability to Verify Information : The credit reporting agencies have failed to verify the accuracy of the late payment reported for XX/XX/year>. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and either verify the accuracy of the information or remove it from the credit report. In this case, despite my requests, they have not provided any proof that the information is correct, violating my rights under the FCRA. 
2. Inconsistent Reporting : Furthermore, I have noticed inconsistencies in how the late payment is being reported : Experian : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 60-day late payment for XX/XX/year>. 
These inconsistencies highlight the lack of accuracy in the reporting of my credit information. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy in credit reports, and the continued reporting of conflicting information clearly violates this requirement. 

XXXX Requested : I am formally requesting the following actions : 1. Immediate removal of the inaccurate late payment from my credit report with all three credit reporting agencies ( Experian, XXXX, and XXXX ). 
2. Verification and documentation of how each agency attempted to verify the late payment information. I request proof of any investigation conducted and communications with XXXX. 
XXXX. Correction of any negative impact this false information has had on my credit score and profile.

Supporting Documentation : I have attached the following documents in support of my complaint : Credit reports from all three agencies ( Experian, XXXX, and XXXX ) showing the inconsistent late payment reporting. 
Proof of payment for the disputed late payment, made on XX/XX/year>, which proves that the payment was made on time. 
Previous dispute letters and any responses received ( or lack thereof ) from the credit reporting agencies and XXXX. 

Conclusion : The failure of these credit bureaus to verify the accuracy of the information or to remove the false late payment from my report is a clear violation of my rights under the FCRA. I expect immediate action to be taken to correct these errors, including the removal of the false late payment and the restoration of my credit to its proper status.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TN)

I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (PA)

To whom it may concern, This complaint is with Credit Protection. I pulled my credit report and seen an account  from there for {$1800.00} from XXXX XXXX XXXX XXXX.  The number listed on my credit report is XXXX but the IVR prompted me to call XXXX. I spoke to XXXX who advised that they rcv 'd account X/XX/2012. She advised that they have been sending letters to addresses they had on file ( which were n't correct ). She advised that she could n't tell me when the letters were sent nor when they originally reported the account to the Credit Bureau 's. I asked if she could send me proof of ownership. I.e. Original documents sent to them by creditor and if they rcv 'd any returned mail. She advised that there was no mail returned and that she can only send an itemized bill. She did advise that she will send information to the creditor to request original documents. I requested to speak to a supervisor. She transferred me to XXXX who originally stated that my account was 1st sent to an agency on X/XX/2012. advised that, that is incorrect as account is listed on my credit report since X/XX/2012. He also advised that there was a letter sent out in X/2012 but they got a return from the post office. He advised that they have this account listed as " bad address ''. I have never rcv 'd a bill or any kind of mailing for this account. I was never given a fair chance to make arrangements to pay this account before this hit my credit, if this is a valid debt.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (AZ)

Dear : CFPB I received a letter recently from OMG, LLC. ( Orions Management Group ), stating I owe a current balance of {$7600.00}. When inquiring about the debt, I was informed it was an outstanding debt from XXXX XXXX XXXX. I have banked with XXXX XXXX XXXX for fourteen plus years, including both a mortgage loan and deposit accounts. To my knowledge, I have never received any correspondence regarding an unpaid credit card balance with this institution. Furthermore, I spoke with XXXX XXXX XXXX representatives who were also unable to provide information regarding the debt. I also reviewed my credit report and verified that this debt is not listed as outstanding. I requested documentation from OMG, LLC., to provide evidence for the debt. I was supplied statements from XXXX that show a balance due ; however, none of the documents provide information pertaining to the original purchase ( s ). These statements provided do not appear to match any known debt with XXXX XXXX XXXX. I believe that I am a victim of identity theft and that the reported charges are a result thereof. The debt collector is calling and harassing my family, threatening to take legal action, and indicating if I settle by XX/XX/XXXX, I will only owe {$3000.00}. However, if I am unwilling to settle for this amount, they will take legal action and require I pay the full amount of {$7600.00} plus legal feels. They have claimed they have recordings of me from a year ago, agreeing to pay the debt. When I requested to hear these recordings, I was advised that they may not actually have them. I believe the threat of a false recording is being used to coerce payment for a debt to which I am not obligated. The debt collection practices are abusive in that they are threatening me and my family members. Additionally, the collection practices are deemed unfair as the company can show no evidence that the debt incurred is mine. I believe the intent to coerce payment from me is deceptive as the company is claiming they have recordings with me acknowledging the debt. Out of fear, I have taken time off work to try and validate this debt. I have lost sleep as I am afraid this company will take me to court for a debt I have not incurred. During this time, I have gone on-line and verified several complaints of similar abusive behavior. I am very afraid of what this can do to me both personally and financially. I am hoping that you can assist me and other victims like me. I have listed some examples of these victims I am speaking about below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

On XXXX XXXX, 2017, I contacted Nelnet about a concern I had in regards to how my monthly payments were being distributed. My Nelnet account was saying I was not covering all of the accrued interest on some of my loans. I wanted to increase the amount, so I would not only cover my interest but begin paying towards the principle of the loan. For several months I noticed that even though I was paying more than was " due '', the principle was never going down. I would try to make adjustments to each part of the loan so that the interest was paid, but each time the monthly sum was distributed differently amongst the sub-loans so that the interest would still be accruing. I was talking to a representative in regards to increasing my monthly payment, and I was told the amount would only come out once. It came out twice and I ended up in the " red '' at my local bank due to the misinformation. I feel like I always have to check my loan through them because there are so many unhelpful people telling me a different thing. On XX/XX/XXXX, I contacted the loan server again in regards to what had happened, and after being online with a different person for about a half hour they told me I would have to contact a person via telephone number and they could not help me. I am completely frustrated with this company and feel like there is no one on the same page. I would like to get some guidance as far as what to do to pay off my loans and handle them correctly, but I feel I ca n't get those answers from Nelnet.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TX)

I made contact with Credit bureau Systems inc on XXXX-17 and advised them they where reporting an invalidated account. They continues to attempt to collect on a account that is not mine in my state of Texas in which they are not licensed. I demand immediate removal from my credit report of I will sue.