davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Experian have not removed a debt that is over 7 years old. The dispute is that XXXX ( XXXX ) purchased a bad debt of mine from XXXX XXXX. XXXX XXXX reports the XXXX date of delinquency never brought current as of XX/XX/XXXX and XXXX ( XXXX XXXX reports it as of XX/XX/XXXX. Also, these XXXX agencies have not removed XXXX XXXX ( XXXX ) that purchased a debt from XXXX XXXX that the XXXX late payment never brought current as XX/XX/XXXX. I have disputed these items online with Experian and by mail and waited over 30 days.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been battling with statements/phone calls to the XXXX credit bureaus for the past four years. I was in a XXXX marriage four years ago and have since never been late on anything, I have been told several items were deletedI have been battling with the XXXX credit Bureaus for the last three years, I have been on several phone calls and provided statements. There is several discrepancies on my credit report. From items that were supposed to be deleted to several ( XXXX ) recent inquires that were not approved thru me. I also still see rental property ( XXXX on my credit reports that were supposed to be deleted due to being in a very abusive relationship and I was in fear for my safety. My ex husband had all my personal information and manipulated several of my finances, I managed to start fresh and gain new credit and have maintained it very well, the problem I am facing now is that last XXXX I was applying for a vehicle at XXXX XXXX XXXX and asked that they only attempt once thru them, because I new how hard several inquires would be on my credit.. I was not real worried about not qualifying for I new my daughter would sign for the vehicle. I am now looking at my inquires and since XXXX 2014 I should have XXXX hard inquires which is XXXX XXXX XXXX XXXX XXXX XXXX I have heard that my ex spouse stated he will continue to make sure my credit does not succeed. I am please asking for a review of my Credit reports I do not know where else to do. It would be greatly appreciated if you could please guide me in the right direction. I recently this month paid down on a few of my credit cards to change my credit card utilization score, this is my first time trying it this way, I am really hoping to see results after three long YEARS.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (IL)

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX   XXXX never late XXXX XXXX  XXXX never late XXXX/XXXX XXXX XXXX never late XXXX/XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX   XXXX/XXXX  XXXX never late XXXX XXXX   XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX/XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX   XXXX not mine AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I terminated a lease XX/XX/XXXX and the judge accepted my termination letter ; the termination was on grounds that the plaintiff was trying to charge erroneous fees and had no proof that these fees were valid, the plaintiff would not allow me to pay my rent because of these fees so they then tried to file an eviction, however they were unable to evict me because I provided the judge with my request for termination along with proof that these additional fees were not valid. The judge accepted my termination request, and issued the order containing how much was to be paid through XX/XX/XXXX. 

Once I left, the plaintiff waited months before furnishing anything to creditors and when they furnished it they inflated the total by over {$4500.00} what the judge ordered with my termination request. 

After numerous written request, Experian has refused to remove the erroneous information as well as the plaintiff who reported the erroneous amounts refuses to correct the data after numerous requests in writing, they constantly contact myself and family members harassing us demanding that we pay the false amount or they will keep harassing me and because their office is technically not in Georgia they state that they do n't have to abide by the order unless I send them the order, but they were the plaintiffs so they had the order. Additionally, they have since been purchased by another company and now this company is furnishing erroneous information and refuses to remove it because when they purchased the other company " they said that 's what I owed ''. It is a nightmare because I have a court order and judgement and they are trying to extort me because they know Experian will not remove it and it has costed me so much to try to remove this faulty information and it has prevented me from getting a new residence because it is on my credit.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

i have a account that was that was a utlity account back in XXXX with XXXX company ... ..the account was paid and closed in XXXX ..i have contact experian on several occasions and disputed that date that the account was paid with the company ... .and it was not varified it was just updated every time the dispute was made to a more recent date ... XXXX failed to confirm the exact paid date ... ..just kept updating the information to the current date that it was disputed ... ..the account was never a charge off ... .the company failed to varify the correct information ... .and remove the trade line resulting in a more paid in full charge off when it should been removed because the company could not varify correct information ...
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Principal Group, LLC (OH)

Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (AL)

I have been for long, a customer of US Bank with all kinds of accounts with them, like Home Loan, Credit Card, Checking, Saving Accounts. I am a very good borrower, my credit score is a testimony to the same, stands XXXX Bank has recently charged me a membership fee in XXXX 2016 that was due XXXX XXXX, 2016. No note with regards to the fee or the due date or past due status, was sent to me or my address. But they promptly reported it to the credit bureaus and it dinged my excellent credit score XXXX very badly and left me in despair. There was no intimation with regards to the same, to my home address or even a courtesy call. I have requested for canceling the paperless statements in the past and it never got reflected in my accounts. I will therefore request US Bank to remove any reports to the credit bureaus, of delinquency on my credit card account and help its loyal customers build their credit.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Stellar Recovery, Inc. (CA)

I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.
Consumer complaint received 2016-07-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (ID)

We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.
Consumer complaint received 2015-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.
Consumer complaint received 2016-01-10
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...
Consumer complaint received 2015-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDICO. INC (SD)

I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (NV)

I submitted a Request for Information/Notice of Error on behalf of XXXX to MidFirst Bank c/o Midland Mortgage on XX/XX/2017. Midland Mortgage is claiming that XXXX is in default but he insists that since his Trial Period Plan, he has never missed a payment. Midland Mortgage has failed to respond in any way to the Request for Information/Notice of Error and XXXX files this complaint.
Consumer complaint received 2016-03-26
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet, the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that " to lock in the credit '' was clearly not able to be done, that I did not want to pay fees so far out, and that other lenders wanted to give a more fair loan estimate at a date closer to locking in rates.