davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (GA)

I disputed this item from XXXX XXXX XXXX XXXX account number XXXX. The dispute was completed in XX/XX/2023 and the item was deleted from my credit report at that time. In XX/XX/2023 it was reinserted back onto my credit file without warning from the credit bureaus. Which according to Fcra 611 subsection b Is not legal. If all the requirements are not met this can not happen. One main requirement being the notice to consumer no later than 5 business days after reinsertion. Because this was not done correctly they have to remove it immediately.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-02-20
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. (SC)

On XXXX XXXX Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-02
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: LEXISNEXIS (MO)

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( Lexis and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why Lexis and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed Lexis and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties Lexis and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TX)

On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (LA)

In XXXX of XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We financed the purchase for a 6 year term through the dealership which used BBVA as the lender. On XX/XX/XXXX, we paid the remaining balance on the loan. On XX/XX/XXXX, we purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, LA. When the salesperson tried to call BBVA to get a " Release of Lien '' document, which is common practice, she was told that we would have to wait 7-10 business days before they could send it. Our salesperson asked if the Release of Lien could be emailed or faxed and was told that it could not. Our salesperson expressed to us that she had never witnessed a bank do that to a customer who had paid off a car loan. Since we did not finance the new car, we were given a five-day temporary tag from the dealer. On XX/XX/XXXX, I called BBVA customer service to ask if the Release of Lien had been sent and was told no. I called every couple of days after that up until today, XX/XX/XXXX, and I have still not received a Release of Lien or title. The last time I called was XX/XX/XXXX. I was told that the account was closed on XX/XX/XXXX and that the Release of Lien was mailed to my dealership on XX/XX/XXXX. It is now XX/XX/XXXX, and we have not received the Release of Lien, title, or money owed to us for the overpayment of the loan.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (NY)

EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX  has continuously and falsely verified this alleged account.Experian, XXXX  and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

I discussed a personal loan with One Main Financial on XX/XX/2020. I only found out after they ran my credit that you have to be on your job a certain amount of time and that they did not take proof of income from the company I was working for at the time. The inquiry was supposed to be removed from my report. However, it is still showing on my XXXX Credit Report.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NY)

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX XXXX Date XXXX Balance {$260.00} RENTDEBT XXXX XXXX  Date XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (GA)

I sent a letter out on XX/XX/2022 to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation
Consumer complaint received 2021-05-27
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. (NY)

I paid off my installment loan in full to XXXX XXXX  on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted XXXX XXXX  they said It is false information In their records everything was paid on time. I then contacted Trans union the credit agency that lowered my score and they said they received the info from XXXX XXXX. I contacted XXXX XXXX  and the rep said there was not anything they could do on their end only trans union can fix the issue. I called Trans union once again and was told they will look into it and put in a dispute which can take up to 90 days.
Consumer complaint received 2021-05-27
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. (TX)

i am trying to loggin to my disputes account an other accounts with transunion only to keep getting the message that account is suppended but when i call they say they fixed it but never do i need them to fix this problem an also fix any creditors on my account i filed bankruptcy.
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I received a letter from experian say they have completed and investigation on XX/XX/18 and i still have inaccurate information reported on my experian report.I have attached a certified copy of my ucc11 information request which shows i have no lien placed against my name with the companies they claim they validated. This is a violation of the Fair Debt Collection Practice Act. I have also attached a re investigation letter for their review.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TX)

I began receiving calls from an unknown number onXX/XX/XXXX. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/XXXX she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated Alternative Dispute Resolutions or ADR. He proceeded to tell me that XXXX XXXX XXXX was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which time XXXX XXXX XXXX would proceed with a lawsuit. I stated that I would like to speak with XXXX XXXX XXXX and he said he could not provide any contact number for his client. I advised him that I would still be contacting XXXX XXXX   XXXX. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/XXXX. The debt I had from XXXX XXXX XXXX is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number ( XXXX ) XXXX, it comes up as the number to a property manager.  When I look up the business name they gave me, Alternative Dispute Resolution/ADR, no business comes up, only the definition for Alternative Dispute Resolution.
Consumer complaint received 2021-05-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (MA)

Had a loan modification to an FHA loan a few years ago. Novad Management Consulting apparently administers those loans for FHA, so I followed the instructions for requesting a payoff that were provided to me by HUD. I was told it would take 6 business days to get a response. 

Novad provides no way of contacting a person, they just have you email or fax your request. After 9 business days I got concerned and started to look up the company. I found that they had had 160+ complaints to the XXXX in the past year. Looking at the complaints it appears that Novad is unresponsive to everyone. Once they get a complaint to the XXXX though, they immediately send the info and blame Covid. So I filed a complaint with the XXXX 

I received a message from the XXXX that Novad had gotten my complaint at XXXX XXXX. I got the info I needed at XXXX XXXX. So Novad was perfectly able to respond in a timely fashion but being deliberately hard to get in touch with appears to be an intentional strategy. There are several heartbreaking stories of elderly people trying in vain to get info from Novad for months on the XXXX board, so I felt it necessary to try to make sure they don't keep doing this to people.
Consumer complaint received 2018-06-12
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. (NJ)

XXXX credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest is reporting on my credit report, this account does not belong to me. I have submitted a police report and filed a complaint with the Federal Trade Commission in regards to an identity theft. I am respectfully requesting that this account be deleted from my credit report.
Consumer complaint received 2021-05-27
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. (CA)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX Credit Bureau. 
Experian Credit Bureau. 
XXXX Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (OH)

I have sent several letters to XXXX, XXXX, and Equifax in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX  has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect XXXX  and Equifax to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.
Consumer complaint received 2021-05-27
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. (MI)

I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.