davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
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: EQUIFAX, INC. (TX)

We received several hard inquiries from one company ( Equifax Mortgage ) ( pulled by XXXX XXXX ) I only authorized them to pull my credit one time. My wife didnt authorize them to pull hers at all. They pulled both of our credit report several times now we both have several hard inquiries on our credit reports, which dont look good to lenders! I called the lady who pulled our credit multiple times but she refused to remove all those unauthorized hard inquiries!
Consumer complaint received 2019-04-08
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. (TN)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

On XX/XX/2019 applied for installment loan with Advance America Center, in ohio. I was told my applications was " denied by XXXX. '' It was further communicated that the denial is as a result that " because could not validate my [ legal ] name at POS [ point of sale ] it would not pass Advance America 's MLA validation. '' I am not a military service person and have never served in any branch of the military and my name is what it is. It was further communicated that " in order to be approved for an installment loan a customer must pass MLA validation. '' [ however, from my interpretation of the law, that is not the way the Ohio law reads ]. Additionally, communication states that " if the lending center updates the POS [ point of sale ] to be a valid name [ meaning name other than my legal name and usage ] the customer should pass MLA validation and no longer be denied. '' I spoke w/a XXXX representative on XX/XX/2019, who says that my name is not listed w/MLA and don't know why it should or would be since I have no military status or service. Initially, Advance America claimed to have gotten this information from XXXX and XXXX. I spoke w/representatives from XXXX and XXXX   who both says, " not so. '' and is sending me a copy of my credit report. [ updated from 4 years ago ]. 

Now Advance America is denying me an installment loan because my name is not what they say it should be. 

I have been a customer w/Advance, off and on, for almost 15 years and used no other name than my legal name. Now they tell me they will approve me for a loan " only '' if I apply using an illegal name. I have no outstanding accounts wi/Advance America. 

I feel this denial is discriminatory, suspect and unjust and blatantly a scapegoat for someone's negligence. I explained that all people make mistakes and i'm not upset about that, i'm upset that no one wants to correct it, but spend more time talking attitudinal with me about my name. 

I want to know what recourse I have to get this corrected?
Consumer complaint received 2019-03-16
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: FC HoldCo LLC (TX)

On XXXX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. They responding saying they do not have this information, and is still will not removing the inquiry. This company is NOT being complaint with the FCRA. This is a violation.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX the XXXX. of 2019 the debt collector entered my Savings Account in the Bank of America to withdraw {$170.00} approved by a judge. After he withdrew funds allowed by law, he and The Bank of America decided to wipe out my saving account entirely by authorizing themselves to issue bogus fee ( NON-REFUNDABLE PROCESSING FEE ) of {$120.00} My account balance is now {$0.00}.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vargo & Janson PC (CO)

Im going to state this again Im beyond fed up with XXXX and XXXX XXXX  and XXXX   XXXX. I have had funds taken from me while I was in school and filed complaints on here yet they claim they didnt know I was in school which is a flat out lie. I have multiple records from all my previous complaints. This has been going on for several years and no they will not get to garnish anything else from me .i have stated I didnt recognize these bills and someone has been able to get my information and was using it. They used it to buy things in my name including phones this is reported with the XXXX XXXX police and other fraud companies. I have now frozen my credit. I never had a card in XX/XX/2007. I do however think its absolutely ridiculous that these companies and collectors have continually bugged me for several years. No you will not get any more funds from me period go jump in a lake. I will fight this until all my funds are returned
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-04-08
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. (VA)

On two occasions, I have submitted a dispute to Experian regarding a charge off account with XXXX XXXX. My XXXX XXXX account was sold to XXXX XXXX XXXX. I satisfied my obligation to XXXX XXXX XXXX in XX/XX/XXXX by paying the balance in full. I noticed on my credit report  in XX/XX/XXXX, the lack of a XXXX  balance on this reporting account and filed a dispute. This dispute resulted in reporting of new negative activity dated XX/XX/XXXX as Failed to Pay and lowered my credit score. 

I contacted Experian by phone and was directed to resubmit a dispute with additional information showing the obligation had been satisfied in XX/XX/XXXX. This is the text of that submission, which included the final statement from XXXX XXXX XXXX showing final payment and XXXX balance in XX/XX/XXXX. " I previously submitted on XX/XX/XXXX, a dispute to correct the reporting of XXXX XXXX by XXXX XXXX to a status of paid and {$0.00} balance and to remove XXXX XXXX from the reporting line. This dispute resulted in new negative activity to my credit report, as fail to pay in XX/XX/XXXX. I paid XXXX XXXX XXXX the final payment for the collection on XX/XX/XXXX. I do not dispute that the account was a charge off and subsequent collection. I just desire my credit report to show that I satisfied the debt, albeit significantly later. If anything I believe my report should at most reflect the negative data ( assigned to XX/XX/XXXX ) in XX/XX/XXXX, the final data of activity associated with this account or should revert to the status of the XX/XX/XXXX Experian report, which was at least in my favor. '' The result of this re-investigation was another instance of new negative activity dated XX/XX/XXXX, again reporting a recent Failed to Pay activity. I again contacted Experian by phone to discern what I was doing wrong. Experian stated they were reporting the data as received by XXXX XXXX, and suggested I contact XXXX XXXX and file a complaint with CFPB, if I was unable to obtain resolution from XXXX XXXX. I contacted XXXX XXXX and was informed that my account was sold to a third party collection agency and they were " just responding to a request for information from Experian regarding a dispute and what Experian choose to do with the data was their prerogative. '' Additionally, they suggested I wait the seven years for the negative data to expire from the report. 

Thank you,
Consumer complaint received 2019-03-15
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. (CA)

Experian is reporting incorrectly that I am 90 plus days past due on loans with the XXXX XXXX - account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted this bureau and requested this item be fixed. The incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC (WA)

1. I didn't receive proper notification in the mail before this reported on my credit.

2. This false debt has been sold to 3 or 4 other debt collectors, none of them could validate the debt, so they sold it to someone else.

3. When this reported on my credit, I disputed it and requested verification. The company " verified '' the information to the credit bureaus, but their validation to me lacked the proper information to prove this is a legitimate debt, owed by me.

4. The name on the paperwork does NOT match my name or any name I've ever used in the past. It says, " XXXX XXXX '' - My name is XXXX XXXX, not XXXX. 

5. This company is using fraudulent methods to verify the debt, to report this on consumer credit reports and to keep it on the reports.

6. This company sent me a blank sheet of paper as a validation in the past, they did not meet the 30 day requirement to validate the debt, then a few days later, they sent me paperwork with someone else 's name on it.
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX. 

Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.
Consumer complaint received 2019-03-15
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: Experian Information Solutions Inc. (MO)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAC Financial Corp (OK)

CAC Finanical contact my wife regarding a medical debt-that is not valid-ed at all. A few weeks ago, They called her on her cell phone and stated that they need to speak with me regarding this debt. She stated that she was my wife and asked what she could help them with. The collector proceeded to tell her about the debt and when my wife stated that the was not correct that our insurance should have paid it, the collector told her that was not her problem and she need to speak with her insurance but pay the bill. My wife pointed out that the collector did not informer of her rights and that the call could be monitored, nor did the collector verify any information to see if she had the right to collect the debt. The rep stated that the call wasn't over yet and she still had time, and my wife stated that it was and disconnected the call. After that they call my wife 's cell phone 2 to 3 times a day, every day!!!
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I recently had my credit report pulled and noticed that CitiBank, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with CitiBank and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score. 
After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX XXXX & Experion gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!
Consumer complaint received 2019-04-09
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)

In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that Transunion and XXXX have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on Transunion and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called XXXX XXXX again but there was no message on the voicemail. I called XXXX XXXX, Team Lead, and told her I did not want XXXX XXXX to be our contact any longer because he did not fix the problem. I want XXXX XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for XXXX XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Credit Network Inc (CA)

Financial Credit Network reported a debt from XXXX XXXX XXXX. This was paid through escrow in 2017, when I sold the house that was being serviced by XXXX XXXX. Company said they NEVER received payment, so I paid them directly. I was advised that it would be reported and DELETED! I never saw the item removed from my credit profile. I am respectfully requesting to have this matter looked at, as this account was paid TWICE! I am being held back to get a FICO Score needed to purchase a home.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

I opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX