davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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. (TX)

XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (VA)

im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated janurary XXXX. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX all of my credit cards with Citibank were closed without notice. 
I have a 100 % on-time payment history with CitiBank. 
I have no negative information on my credit report, my balances are paid every month, and I have a large amount of unutilized credit. 
Customer Service stated my accounts were closed because I make too many PAYMENTS on my account. 
That is ridiculous, I pay off my accounts each month to keep my credit utilization low and my credit score high. I have been additionally diligent with payments as I recently refinanced my mortgage. I am being penalized because I abide by the terms of my account and pay them off? That is discriminatory and a violation of the Equal Credit Opportunity Act. I have been a Citibank credit card, banking, and mortgage customer for over 30 years - I can not believe Citibank would treat me this way in the middle the current global pandemic crisis.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

On XX/XX/XXXX, I received a call from Planet Home Lending notifying me that there were recent reversals requested from my prior mortgage company ( XXXX XXXX XXXX ) which as a result in me being in arrears for 2 mortgage payments. For background ... my old mortgage company ( XXXX ) sold my loan to Planet. In an effort to resolve this error immediately ( XX/XX/25 ), I emailed monthly banking statements to Planet Home Lending for XXXX, XXXX, XXXX, and XXXX with transactions that demonstrated that mortgage payments ( in full ) were made consistently each month to XXXX as well as to Planet Home Lending ( not one missed ). It's been more than a month now and my Planet Home Lending account still reflects that I owe mortgage payments ; not to mention that I'm on debt collection auto-dial list, which calls my mobile as well as work ( very embarrassing ). This issue has also negatively impacted my credit. I call Planet multiple times each week for updates on the status and the representatives share " I apologize but Customer Service reps are short staffed, and this issue is currently being investigated ; check back next week ''. The say they have the necessary documents ( submitted by me ) to conclude their investigation. At this point I'm afraid to make a payment and it get tangled up in this mess. As soon as the issue resolved, I have the monies available to make XXXX and XXXX 's mortgage payment.
Consumer complaint received 2021-01-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I applied for a payday loan of {$500.00}. It was given to me. Pandemic hit which hurt the entire world. Wasn't able to pay it back. Now I have a lady named XXXX XXXX calling me and my family members every day saying that there is a case being filed against me. I called the number she gave me back. Asked for XXXX XXXX, they replied there is not a XXXX XXXX that works here. Then presented to ask me for my personal information, as well as my debit information to pay an amount of court costs, fines and restitution of {$2900.00}. I of course didn't have the full amount and I wont. I now have gotten a call from my ex which is the mother of my first child, she tells me a constable and an officer are looking for me for warrants in XXXX county, which i have none, I checked. They now have been at her house two days in a row. I know this cant be legal. This is not how the law works.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reach out to TransUnion, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX 1st letter XX/XX/2023 and then XXXX XXXX XXXXer XXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through Transunion. 
Other accounts were removed do to the identity theft but these additional have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from Transunion. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-15
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: MARINER FINANCE, LLC (MD)

I applied for a loan and was informed that only 1 credit check was needed. I consented to that, however it was ran on the XXXX as well as XXXX of XXXX. The assistant manager ( XXXX, MD Office ) told me it was not ran twice, even though there are clearly 2 inquiries on my report. I was on the phone informing her that it definitely was and stated the addresses reflecting on both inquiries. It was one from there corporate office and one from their XXXX, MD office. Equifax also confirmed it was ran on those 2 days as it is reflected on my report. I simply want the additional inquiry removed. There should only be one inquiry from this company, which would be th XXXX.
Consumer complaint received 2021-01-19
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. (MN)

Per Experian Creditor online : Shows that I have an Auto Loan from XXXX from : XXXX XXXX XXXX  or : XXXX XXXX XXXX : or XXXX XXXX XXXX : or XXXX XXXX  All were contacted ; there are no records of me having an existing Auto Loan. 
Checked on XX/XX/XXXX XXXX XXXX This is incorrect information and makes credit reporting an issue with my Credit Scores.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (GA)

The Company I am working with is Real Time Resolutions. 
I have about a {$20000.00} Home Equity Loan with them. 
I have had some problems paying off back payments due to lack of work onset by the COVID Pandemic. I did however continue to make regular payments last year. 

Being that I was draining what little savings I had I requested an adjustment payment plan back in XXXX of 2020. Since then it has been me constantly calling and speaking with my representative trying to get this paperwork sent to me. I have been told several times that it can take up to 4-6 weeks. After the first waiting period I was told the representative didn't complete the request information correctly in order to get the paperwork completed. But after that period I still would not receive the paperwork. 
Then I would call and be told they were not sure what happen and that it would be sent out again. I gave them my email address to provide an alternative delivery option to avoid the paperwork being lost in the mail. Again weeks would go by, still no paperwork. 
Phoned twice yesterday, spoke to supervisors, told would be sent by the end of the day. 
Today, still no paperwork. 

Please help assist me with this. I have been in constant contact with these folks at over 10 times since the original request.
Consumer complaint received 2020-12-30
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. (NC)

Experian - I have sent over 5 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now and I would like some action taken to get this resolved. 

I already filed a previous CFPB complaint and received a response yesterday ( XX/XX/XXXX ) from Experian stating " your investigation does not appear to be sent by you or to be authorized by you '' I would like to know how Experian came to this conclusions after all the information and attachments I supplied to them telling them the information is incorrect. I attached the certified mail letters and reflected the receipt numbers on the letters as proof. I am very upset that after sending multiple letters by certified mail and filing complaints that Experian would say something like this. They are clearly not looking into my complaint. I even attached a photo ID as proof that I am sending these letters. Yet they have not removed it from my credit report. Please look into this matter and get this resolved. 


XXXX - XX/XX/XXXX Actions Taken by Me : Sent 5 dispute letters to Experian all by Certified Mail Return Receipt to remove inaccurate accounts. The accounts are still reflected on my credit report after telling them the information is inaccurate.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I spoke to bank of America about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response
Consumer complaint received 2021-01-19
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. (AL)

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, XXXX and TransUnion continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union (WA)

On XX/XX/XXXX, I opened an account with First Tech Federal Credit Union. At that time, I signed up using a friends valid referral link and enrolled in a {$100.00} new account promotion. The promotion required depositing {$250.00} within 30 days and maintaining that balance for 30 days. My {$250.00} opening deposit posted on XX/XX/XXXX and I held this balance for 60+ days. I did not receive the bonus from the bank and after following up with First Tech, I was informed that my referrer was ineligible to refer me. However, after reviewing the terms, there is no clause stating that I would not receive the bonus if the referer was ineligible ( just that the referring party would be ineligible for their bonus ). I have successfully completed the terms of the bonus and am requesting that the credit union honor their promotion, Terms for Referred members ( from First Tech ) ( 1 ) To qualify for the {$100.00} reward, must establish membership and open a checking account. Account opening subject to approval. 
( 2 ) Within 30 days of checking account opening, must deposit at least {$250.00} in new funds into their First Tech checking account and maintain an average daily balance of at least {$250.00} for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify.

( 3 ) Limited to one {$100.00} reward and not available in combination with other new member offers.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NH)

I learned of a poor FICA score from rating agencies. This poor rating was largely the result of a report from Citibank, with which I used to have a credit card. According to Citibank, my XX/XX/XXXX statement shows that my credit card was used for a purchase of {$15.00}. 
I have no recollection of this purchase. Indeed, I had moved to XXXX in XX/XX/XXXX and was still living there at the time of this purchase, so I can't imagine why I would have bought anything. 
Citibank added to this original charge various penalties and fees, so that as of XX/XX/XXXX the debt totaled around {$130.00}. Citibank alleges that prior to closing the account that same month, it was sending me monthly statements via email. However, I do not recall receiving any emails from Citibank about this or any other issue while in XXXX. Moreover, a search of my email archive shows that XXXX was the last year I ever received an email from Citibank.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (NC)

During the refinance Process with Sofi from XXXX XXXX of XX/XX/2020, my property taxes were paid out to my government from XXXX XXXX. Sofi is now carrying a very high escrow balance that is not needed, and I need to be refunded that amount. I spoke with a customer rep for Sofi in XX/XX/2020, and she stated that I would be refunded the excess amount after my XX/XX/2020 payment was made and the escrow balance was reassessed. That did not happen. ON XX/XX/2020 I contacted Sofi again, and get getting hung up or dropped from the call, and no one could help me rectify the situation.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Nelnet reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with Nelnet they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by Nelnet that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to Nelnet because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MO)

I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at Experian, XXXX, and XXXX Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

I leased an XXXX XXXX in XXXX, after 3 service calls to replace the Turbo and Catalytic converter, I returned the junker and leased a XXXX model.Audi FINANCIAL double billed me for the XXXX lease and will not answer or return calls to fix this and put my new lease on AUTOPAY. Please go to XXXX website and see the customer reviews, they are all very negative. We wait XXXX hour and they disconnect or promise a callback that never happens. Their claim of great customer service is a fraud.