davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WI)

I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NE)

Was contacted by XXXX XXXX XXXX XXXX a short time ago at my job. I told him I can not have personal calls at work. He called again yesterday XX/XX/XXXX in the afternoon and I told him again not to call me at this number. He called again today XX/XX/XXXX at XXXX and I told him for at least the third time not to call here.
Consumer complaint received 2019-06-27
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. (NC)

I am a victim of Identity Theft, a fact that I have presented to Equifax Credit Reporting Agency. According to FCRA 605.b when a consumer presents a claim along with documentation from a law enforcement entity the credit reporting agency should place a block or remove the account from the credit report permanently. Equifax didt remove for the following accounts : XXXX XXXX - XXXXand XXXX/XXXX XXXX - XXXX, yet over 60 days later re-entered these same accounts on to my report with out validation and provacation from me. The latter is a violation of not only the aforementioned FCRA legal code, it also violates sect. 611 and 624.
Consumer complaint received 2021-12-01
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: Rocket Mortgage, LLC (LA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please remove this ASAP.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report from XXXX XXXX and XXXX and it shows several student loans, but the problem is the loans are the same exact loans they just switched servicing companies so only one company should be reporting the loan not both. They have the same exact open dates, same amounts and same late months it's hitting twice.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (PA)

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (ME)

Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Two deposits were made today {$470.00} and one for {$410.00}. XXXX USAA is withholding {$680.00} of those payroll checks. 
I tried to resolve with going to a supervisor to no avail. 
I believe it is illegal to keep that much of a payroll check I would like to issue an investigation into this situation. It is not the first time funds have been held with no rhyme or reason or consistency in their policy.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a car loan from XXXX XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2020-05-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I want to report the quicken loans / rocket mortgage company. I did a pretty approval XX/XX/XXXX and they did a credit check with my approval over the phone. Its almost 3 weeks I keep on calling and sending email for loan update. The mortgage Officer XXXX said its already in underwriting when I called 2 weeks ago. After a week I called and asked if they need any documents and she said all the paperwork I submitted is good. Since last week calling them no response. Yesterday XX/XX/XXXX I emailed their manager and file a complaint coz its been almost 3 weeks no update. The loan Officer XXXX called me and said I need to submit w2s and some paperworks again and when I submitted the docs requested I received a credit check alert. Its form the home mortgage company quickenloans. I called the loan Officer and asked why did you do a credit check again and now without my approval? XXXX the loan officer apologize and didnt explain. Today I received a call from the director of quicken loans and he apologized about their loan Officer XXXX and asked me they cant approve my loan because I dispute their credit check. I explained to the director that your agent didnt ask permission and she already checked my credit score 3 weeks ago and she already computed my monthly payment and said Im approved and it will be sent to underwriting. Director said my credit score fornVA loan is not good my score is XXXX. I told him I dont need an approval now I just dont want them to do a credit check and what they did yesterday checking my credit score without my knowledge and permission is bad! Thats my concern thats what I told him. He apologized. I told him I will report and dispute it to credit bureaus. 

This company should be asking permission coz I didnt authorize and allow to check my credit score because they already did 2 -3 weeks ago. They just apologize for their employees mistakes and didnt take any actions thats why I said I will find I different lender.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2020 I recieved a inquiry from Syncb/Lowe 's XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX  for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.
Consumer complaint received 2020-05-29
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. (CA)

This complaint is against XXXX XXXX XXXX and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX  reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX XXXX  transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX  XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( 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 the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tebo Financial Services, Inc. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 

Account : XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX, and Experian all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.