davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education (MD)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 60 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (GA)

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I submitted c complaint XXXX and was told it was going to be filed and removed in court shortly according to the complaint reply made. A title search was done and up to date as of XX/XX/XXXX and remains on title, if this is not done very quickly I will end up being forced into foreclosure. If this happens I will be filing a lawsuit for all damages we incur. Please respond as I do n't have much time and the bank is not going to wait much longer!
Consumer complaint received 2024-04-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (VA)

Navient currently services my XXXX XXXX XXXX and I would like this to be discharged based on them being taken out to attend a school that is now closed and is now being proven to be deceptive under the ongoing lawsuit XXXX vs XXXX. 


Loan was disbursed in XX/XX/year> for the amount of {$9700.00} on which i still owe XXXX as if todays day.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (GA)

I applied for Bankruptcy and was granted Chapter XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to XXXX XXXX XXXX and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.
Consumer complaint received 2023-05-22
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)

My name is XXXX XXXX after receiving my credit report I found two accounts on there that I did not apply for. They both are with XXXX XXXX XXXX One account is in the amount of {$2200.00} and opened XX/XX/2020. The second account is with XXXX XXXX XXXXas well was opened on XX/XX/2020 in the amount of XXXX
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX  Account numberXXXX Account : XXXX XXXX  Account number : XXXX XXXX5 U.S. code 1681 section 602.A indicates, I have a right to privacy.

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-02-12
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. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2023-05-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. 
Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. 
This incorrect information is causing financial hardship.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEMENT XXXX XXXX XXXX CHILD SUPPORT ENFORCEMENT, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2016 to Carrington Mortgage. I spoke with several rep 's informing me my NEW mortgage amount went from {$810.00} to XXXX.. I am XXXX and CAN NOT afford this payment due to 2 months balance escrow required in Ga. 
I explained this to the rep 's and they REFUSED to help me!!
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : Contract caller XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnished a account with out my written instructions.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NY)

I have an account with Experian to check my credit score this is the site : https : //usa.experian.com/login/index I check my credit score pay the monthly fee and call over the phone to cancel my account. I was not able to cancel the account in their website there were not option to do it. They said yes my account was cancel. I paid all my debts in full and i notice that my credit score was not improve it i went and check my credit report in a free gov website. and i find out that what it was affecting my credit the most was a charge of almost {$300.00} by Experian they had never cancel my subscription adn keep charging me for almost 2 years.
Consumer complaint received 2021-06-22
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. (NY)

I am XXXX and in of XX/XX/2021, I have been unable to initiate an online dispute with the XXXX  credit bureau. Whenever I call, there representatives, rarely listens or understands my concern, continuously transfer me to another department that does not help, most of the time lie and tell me that I don't know what I'm talking about and offers to take the dispute over the phone. There are multiple inaccuracies on my consumer report which have negatively impacted my credit file. I have initiated a few disputes with representatives online and they tell me it will be updated in a few day, but they do not that any evidence/confirmation/statuses of those disputes ever happen. I pay a monthly membership that allows me to view my report, the report has an option that allows me to initiate an online dispute. The option to do online dispute is always reporting errors and instructs me to call. The representatives are very rude, not understanding and very demeaning and rarely listen. My last two calls that were transferred, had me on hold for over two hours and finally when I did get through. I was told that the department had already closed try back the next business day
Consumer complaint received 2021-06-22
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. (LA)

I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them
Consumer complaint received 2023-05-22
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. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$23.00}, XXXX XXXX XXXXXXXX Balance : {$25.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$0.00},
Consumer complaint received 2021-06-22
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)

The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.
Consumer complaint received 2021-06-22
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 — Problem with personal statement of dispute
Company: Amsher Collection Services, Inc. (NY)

The issue ares fairly simple : 1. Ashmer Collection agency made an inquiry of my credit report on XX/XX/2021. yet, i never received their calls or their letter. if i did i would have settled this debt period. MORE IMPORTANTLY, ONE OF MY PHONE NUMBER LISTED ON CREDIT REPORT IS VERY MUCH ACTIVE, ALL THEY HAD TO DO IS CALL ME. SINCE THEY WANT TO GROW THEIR XXXX NOSE AND SNOOP INTO MY CREDIT REPORT. 

2. i found out about them on the day of them placing collection account on my credit report on XX/XX/XXXX. I called them and they confirmed they sold my account to XXXX XXXX XXXX at XXXX, XXXX. 

3. XXXX XXXX confirmed they received and own my account on XX/XX/2021. 

4. Meanwhile, Ashmer Collection Service- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX. XXXX reported my account in collection. XXXX, XXXX XX/XX/2021 , XXXX XX/XX/2021. 

5. i filed dispute because they violated the law by not sending me any communication to attempt to settle the debt FIRST! i clearly argued the fact they didn't follow the steps of communicating with me.
Consumer complaint received 2021-06-22
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. (NY)

I ended my old XXXX cable account in XX/XX/2020 when moving homes. When closing the account, I was told that I had paid my bill for a full month in advance and that XXXX would be reimbursing me ~ {$200.00} for overpayment. 6 weeks later, I received a letter from XXXX at my new address with a bill requesting {$83.00} ( vs. them owing me ~ {$200.00} as the original representative had mentioned ). I then called XXXX again, explained the situation and the representative at that time informed me that what the first representative told me about owing me {$200.00} makes sense, it should be OK and the {$83.00} bill is an error and that she will look into it and call me back if there is a problem. I never heard back from the lady. 5 months later I check my credit report and see that they dinged me by ~150 points. I have never missed a payment before. I call XXXX and speak to ~50 people over 6 hours ( one group putting me through to another and then to another and then to the first ) and they acknowledge that there has been an error. They tell me that the first representative made a mistake and gave me wrong information ( i.e., they said I did actually owe {$83.00} and that they had made a mistake ). I have a recording of someone at XXXX telling me that it was their mistake and that they will remove it from my credit score - but this never happened. I then put in the same dispute with Experian and never heard back. XXXX PROVIDED ME WITH INCORRECT INFORMATION IMPLIED TO ME THAT IT WAS THEIR MISTAKE AND I DIDNT OWE THE MONEY. Thank you for your help.
Consumer complaint received 2023-01-17
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: FC HoldCo LLC (MO)

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX automotive group at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NJ)

A person in XXXX XXXX is using my address to try to obtain credit or debit cards. He use my stepson name and obtained a credit card that he wanted to send to his address in XXXX XXXX fortunately it was sent to my address. My stepson is in Florida and does not have access to a phone. The card company is Citi, I tried to call them explained what was going on and they couldn't help me.
Consumer complaint received 2023-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue
Consumer complaint received 2021-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

My partner, XXXX XXXX XXXX, and I had two lines of credit with CapitalOne : a Platinum card for {$5000.00} and a QuickSilver card for {$7000.00}. He is the primary holder ; I am the secondary holder. They had perfect payment histories, XXXX  balances, and the cards were locked. CapitalOne abruptly closed the QuickSilver account and took both accounts off-line. When we called to find out why, we were told by CapitalOne ( 1 ) someone had removed me from the QuickSilver account ; and ( 2 ) that XXXX  credit bureau had reported the QuickSilver account as opened fraudulently. We never made any such request to CapitalOne, and we never made any report to XXXX. In trying to resolve this issue, both my partner and myself sent notarized letters to CapiralOne Credit Bureau disputes attesting to these facts on XX/XX/2021. We have heard nothing from them. I called CapitalOne this morning to request an update and was told they can do nothing to restore either our QuickSilver line of credit, or either of our account access online until they hear from XXXX. I called XXXX  and they said they cant help us because they have no dispute with CapitalOne on file for either of us, which makes sense since we never initiated one. I called CapitalOne back and tried to tell them what XXXX  told me - and now, all of a sudden, they wont talk to me because I am the secondary account holder. Theyve always talked to me before - including this morning. This is a bunch of XXXX  : finger-pointing, passing-the-buck, inertia designed to waste my time. The primary account holder has both spoken to and written to CapitalOne about these problems. We have both complied with everything theyve asked of us, and we want both our credit lines restored and put back online so we have access to them FORTHWITH.