davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX  and Experian are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Consumer complaint received 2019-03-01
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. (WI)

on XX/XX/2019 I initiated a dispute with equifax to update my account with XXXX XXXX XXXX XXXX It is showing as an installment loan but it actually is a revolving line of credit with a credit line limit of {$7500.00} Equifax refuses to speak directly with them to confirm this I have made the suggestion that we do a three way call with XXXX XXXX   to resolve this on XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX to confirm this
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due. 
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX  XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise. 
I kept Nothing and owe Nothing. XXXX  record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

Credco, Has lied in its response! It also has failed to provide a timely response to supply me with my file data it is currently providing to its subscribers in nanoseconds digitally! Credco has requested 60 days to reply and send my data file as a stall tactic! It is sending, sharing and distributing false data about my private, personal finances and other PII without my authorization to anyone that asks, and self-states they have a legitimate purpose for requesting the data. Credco does this without auditable verifying procedures or processes to prove the legitimacy of their subscribers purposes. They do not verify whether or not their subscribers indeed have been authorized by the consumer to receive the consumer 's PII. Further, Credco describes themselves as a data aggregator they're just a provider of information from other sources and will not be held accountable for the accuracy of the information they provide to anyone asking for consumer 's PII. They are harming consumers and have harmed me by providing fake, false and inaccurate information to their subscribers. Credco provides this information without providing a reasonable process that doesn't further violate the consumer 's rights to protect their signatures from Credco 's wholesaling of the consumer 's signature to its subscribers as yet another data point for sale. Credco is a corrupt organization morally absent of any integrity or ethics for ensuring any degree of accuracy in the PII data it shares is actually accurate. It perpetuates the selling of false, fake and unverifiable information without consequence and against both CA State consumer data privacy and protection laws and Federal consumer protection laws.

It is ridiculous for the CFPB to allow this corrupt CREDCO organization to get away with its delay tactics when it is providing daily false information in nanoseconds electronically to anyone that asks about my information. CREDCO 's conduct must be investigated. It is my expectation that CFBP will do its mandated job and require CREDCO to send me my data file including all data sources, sharing and selling to whom, when, what, why and where of all of my data right now and without further stall tactics and delays. CREDCO must be held to account and forced to release my information immediately as it does electronically to its subscribers daily. No further delays should granted to Credco.

This stall tactic of requesting 60 days is a fake stall tactic. This company is providing fraudulent information that is harming my life daily. It can and does provide my PII data file to any one that asks and subscribes to its fees instantly and electronically.

PLEASE DEMAND the Corrupt CREDCO to provide my file as requested!
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (DE)

Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( XXXX XXXX XXXX ) And ( Experian ) Credit Bureau about four-six times. I have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( Experian ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX Bless.
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (CA)

They called my work XX/XX/XXXX and XXXX .. and have called me constantly .. on the XXXX of XXXX, the gentleman who called basically tried to to get my coworker to text me and asked about my work schedule, which he had no right to ask her to do. So that to me is a threat .. I have sent and email to the company asking them to stop calling my work as to I could lose my job.
Consumer complaint received 2019-03-01
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: LEXISNEXIS (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bushwood Capital Group, Inc. (WA)

I received a call from ( XXXX ) XXXX to call ( XXXX ) XXXX Bushwood Capital about ( as thats what was left on the voicemail. ) It was the 1st call Ive received from them ever. When I called I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX was treating me to make decision on the actual today with me receiving validation or notice of the debt. I asked that he send a letter in the mail as email address I did not want to provide email as I did not know if they are scammers. Then after I spoke to XXXX I was transferred to XXXX. Same thing. Very aggressive and harassing me to make a decision today on an account I didnt know about. I did update my address but they said the will put down that I was unwilling to pay the debt, which is untrue.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (GA)

Notified by XXXX that a derogatory mark had been added by Nationwide Recovery system for the amount of {$1100.00}. Nationwide stated the original creditor was XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they have no record or me ever in their system or for their affiliated services. I then contacted XXXX XXXX XXXX in XXXX GA, the only hospital I have ever been to and they have no record of me owing anything to them or their radiology or physicians department. I then called Nationwide to tell them of my findings and they stated the only resolution was for me to file a police report that they would not do anything to further help get this off my credit. I was never contacted by nationwide by phone or by mail.
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX  then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GMA Investments, LLC (NV)

On XXXX XXXX I received a phone call from a unknown number. I waited to hear the voicemail to see who it was. Not even 15 minutes has gone by and my mom, dad, sister and my brother in law all texted me saying the same number called them leaving a voicemail. I called the number back after getting ready for my day. The guy on the phone by the name XXXX had asked me have I ever been sued by a company, I said no. Me trusting the company I had set up payment arrangements. After the payment didn't go through since I had to change my card info I received a phone call from my caller ID stating it was the district attorneys office. The gentleman left a message on my voicemail stating his name is a XXXX XXXX. He didn't give me a first name, no number to reach him at, but gave me the same number XXXX has called me from. After closely listening to both voicemails it is the same guy. So not only has he called all my family he has also falsely identified himself to intimidate me to pay this company. Today XX/XX/2019 I had reached out the original company I owed to see if I can pay them, they gave me the company they sent it off to. I called that number and she had told me they sent it to the Summit Receivables. I explained to her everything this guy has done to get me to pay this debt. She informed that he is not allowed to do that so she had referred me to the manager over, but she never gave me a call. I'm not going to be harassed.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (UT)

We have our 1st mtg w/wells Fargo - nothing else, yet they are now sending us checks and have opened up a VISA account unsolicited. Isn't this the very thing they were fined for?
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MN)

Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have contact XXXX about this problem and also XXXX about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX and XXXX XXXX ( XXXX ) calls me five or more times a day, leaving messages sometimes before XXXX XXXX. Im also getting hang ups for them. 
They have now contacted my brother who I am not living with, who I do not socialize with and are telling him to get me to call them.
Consumer complaint received 2019-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ND)

I am receiving 10 - 12 harassing messages a day about a student loan that I paid off XXXX  years ago. When I contact Sally Mae servicing they show my student loan has been paid in full, but are attempting to contact me regarding " someone else '' who they feel I may know or be in in contact with regarding their outstanding loan. First of all, I thought it was illegal to discuss others financial information with outside parties and second the non stop harassing messages ( I have them saved in my cell phone voice mails ) need to stop immediately. The last message I received was regarding my name and loan, so I immediately called into Sally Mae, was informed indeed my loans have been paid off, but they are continually trying to contact me for information on another persons account. They have also harassed other members of my family. The individual in question on the loans is my son 's girlfriend and under no circumstances should I be involved in her personal account information and receiving phone calls on her account.
Consumer complaint received 2019-02-28
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. (CT)

I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in 2016 for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
Consumer complaint received 2020-08-29
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. (NY)

Of the 3 major credit agencies, Equifax is the most incompetent in maintaining accurate information. I never had as much problems with XXXX XXXX and XXXX  as I do with Equifax when it comes to the accuracy of their reporting. It is pure sloppiness in how they handle the credit information of many. 
I requested my credit report in XXXX. Out of the 17 ( open and closed ) accounts shown on my reports, 10 accounts had inaccurate information. There was 1 account that wasn't mine. There were 2 accounts that were not included in my report and should have been included. When I disputed the information, most of the corrections were made, but one account was deleted instead of corrected. When I disputed that information it was added back, but with an inaccurate account number. 
Furthermore, on many occasions throughout the years, they have included in my report information that pertains to another woman that has the same name as mine ( excluding my middle initial ). I have had to repeatedly contact them to tell them to delete her information from my report. This tells me that without a doubt they have put my information on her report as well. Whats worst is that her credit is horrendous whereas mine is excellent.

In addition, I changed my email address several months ago and updated it at their website back then. But I have had to repeatedly call them to ask them to update my email address in their system because I kept getting email regarding my disputes at the old email address rather than the new email address. I have called at least 5 times since  XXXX to get this matter corrected. But to date they continue to send me emails regarding my disputes to the old email address instead of the new. Calling them has been exhausting because aside from having to hold on to speak to a live person for at least 15 minutes each time I call, I had to go through 5 minutes of questioning for verification purposes. That wouldnt bother me so much if they would have resolved my reason for calling. But when you have to call repeatedly for the same reason and have to go through the same questioning and holding on, it can be frustrating to say the least. 
Lastly, I requested my credit score in XXXX. I received a letter from them telling me that the credit score is unavailable. According to Equifax, I must contain at least one account showing updates and at least one inquiry in the last 24 months in order for them to arrive at a credit score. Yet their report of my credit history as of this today shows 18 accounts and 3 inquiries. So, how can they say they dont have enough information to arrive at a credit score? How absurd is that!

It's no wonder why there was a breach several years ago with Equifax. How they operate has left a horrible taste in my mouth. If it was possible for me to keep them from obtaining my information I would do it in a heartbeat. But unfortunately, I can't.