davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

The company asked me to pay for an appraisal in order to continue with the refinance loan application. However, the loan was later declined and the appraisal was not reimbursed. 

The company had all the personal documents required to make a decision on the loan, however, it was not until the final moments that the company denied the application and communication from them ceased. 

I emailed the company twice requesting a refund of the appraisal fee, but not response was received.
Consumer complaint received 2021-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

on XX/XX/XXXX and XXXX XXXX 2021 i payed XXXX $ and XXXX $ to us department of education for old student loan debt that was currently discharged.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by Midland Credit Management on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I XXXX Midland Credit Management to get an XXXX # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating Midland filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from Midland Credit Management on any of my 3 credit reports, nor anything from XXXX XXXX on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, Midland purchased from an old XXXXXXXX XXXX credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount Midland says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX  XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX, tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This Midland Credit Management representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (MN)

These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XX/XX/XXXX XXXX )- ( XX/XX/XXXX XXXX XXXX ) - ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX ) - ( XX/XX/XXXX CXXXX  )
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MN)

I have repeatedly tried to reach out to the Department of education and XXXX  regarding the incorrect harmful reporting status with XXXX, XXXX XXXX XXXX. 

My loans have been consolidated and no longer in collections. The status remains and is causing me hardship. This needs to be corrected.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX  XXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXXXXXXBalance Owned : {$0.00} XXXX XXXX XXXX Balance Owned : {$1300.00} ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (FL)

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-22
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. (VA)

On XX/XX/ 2021 I mailed a response letter to an investigation email I received from Experian. Im filing this complaint due to Experians failure to respond to my re-investigation request, as required by law, regarding the following account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, misleading and false reporting and Im seeking litigation please delete at once. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Experians investigation was completed. It has been over 30 days since my letter was mailed and they had 15 days to complete their re-investigation. By law, I should've received their response letter no later than XXXX XXXX, 2021. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Experian permission to report this account. In my dispute I requested the account accurately state that my payments were paid satisfactorily with no derogatory remarks or be deleted. Neither was done. 

At this point, I am demanding Experian to cease & desist from reporting this account. I demand it to be immediately removed from my report. If they refuse to remove the account or update to accurately state the account was paid satisfactorily with no derogatory remarks, I demand Experian provide me with written documentation swearing under penalty and perjury laws they were there when the debt was established. I demand they also swear under oath that I signed for the account and I signed documentation agreeing to add Experian to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (CA)

I was in an auto collision where my car was totaled. The individual who caused the accident was sued. The financier throughout the entire ordeal played games. Didn't want the car, let it stay at the lot etc. The Financier got money from the settlement between the attorney and individual sued, the financier has tried attaching this to my credit to ruin it, which has already been handled, to which I have partially recovered from. I have already filed a complaint against this company with the FTC for phone harassment, I wish for this company to stop contacting me. After I filed an FTC report for them to stop contacting me they took retaliatory action against me " I feel '' as a consumer, and I also feel this is continued harassment and retaliatory action as consumer and I wish for it to stop. I want all business between me and the individuals running it to cease immediately including MAILED statements. 

I will happily file another FTC complaint, and the submit paperwork I have regarding the legal suit, and the bill with zero information. They have been paid.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion, XXXX and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (MO)

During Experian, XXXX, and XXXX Investigations after my disputes in XXXX, 2021 and XX/XX/2021 Experian, XXXX, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that Experian, XXXX, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
1. Experian, XXXX, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
2. Experian, XXXX, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
3. Experian, XXXX, and XXXX has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Ive reached out to Experian, XXXX, and XXXX in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


Experian XXXX  XXXX : Bankruptcy Original filing date : XX/XX/year> Reference Number : XXXX Record Type : Voluntary XXXX Court : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am in disagreement with the account in question being reported by XXXX XXXX, which still appears on my credit report, even after your investigation upon my request. XXXX XXXX responded to the inquiry, however I would like this item immediately re-investigated. The reporting details are incomplete and inaccurate. These inaccuracies are negatively effecting my credit score. 

XXXX XXXX - Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account in question, so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

Employer name ] [ Street Address ] [ City, State Zip Code ] [ Date ] Subject : Proof of Income Letter for [ Name of employee ] Dear [ Name of landlord or apartment community ], Please accept this letter as proof of income and verification of employment for [ name of employee ] at [ name of employer ]. [ Name of employee ] joined our team in [ month and year of employment start ], and currently holds the position of [ job title ]. [ Employee name ] is a [ full-time/part-time ] employee who earns XXXX [ dollar amount ] per [ week/month/quarter/year ]. 

Please feel free investigate the information that is not correct And proof of payment from the past due date and time that I got a agreement with the company striking This off my records I don't know what This is
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

I have had an account with Sears Citibank since XXXX. Per XXXX XXXX as of XX/XX/XXXX, I have 100 % on time payments and have never gone above my credit limit. My balance of {$1400.00} is part of a promotional deal which ends in XX/XX/XXXX. I am current on my payments to this account. I have discovered that Sears lowered my credit limit from {$2500.00} to {$1500.00} and currently lists my account in default on their website. Sears Citibank says the credit reduction was based on information from XXXX. My current credit score per XXXX is XXXX, XXXX is XXXX and my XXXX score is XXXX. 
I did run a high credit balance over the summer as I was making repairs to a home I was moving into as well as to the home I was selling. My mother had been living in my first house and paying rent until she passed away earlier in the year. I decided to sell a townhouse I purchased in XXXX and move back to my original home. All of my credit cards except for Sears Citibank and a revolving amount of XXXX were paid off the day of my closing, XX/XX/XXXX. I am in the best financial position of my life and yet on XX/XX/XXXX, Sears Citibank decided to lower my credit limit causing me to LOSE points on my credit scorXXXX. 
Note : I actually lost XXXX pts from XXXX on XX/XX/XXXX after paying off my second house mortgage as well as my largest balance credit card on XX/XX/XXXX. XXXX in comparison did lower my score XXXX pt upon paying off my second house mortgage but updated in the following XXXX weeks XXXX points and SYNCB/PAYPAL actually increased my credit limit {$500.00} per the XX/XX/XXXX XXXX report. It took XXXX until XX/XX/XXXX to increase my score XXXX points and again XXXX points on XX/XX/XXXX. 
I do not feel it is fair XXXX XXXX lowered my credit limit nor am I satisfied with XXXX reporting. Clearly, there is a disconnect. I currently have only $ XXXX of debt, of which $ XXXX is a mortgage on a home worth at least $ XXXX, nearly perfect payment history ( I did have a few issues with XXXX in the past which was related to their website, not my ability to pay, but I am not disputing ), $ XXXX in credit available with less than 15 % utilization, yet XXXX XXXX feels the need to lower my credit limit from {$2500.00} to {$1500.00}! Something is wrong with this system!
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TX)

This company, Netspend, sent me an email indicating that I ordered a prepaid card from them and that it would be delivered to me in 7-10 days. I did not order a card, nor have I ever heard of Netspend before this. 

I have called customer service multiple times and when I finally get to a live representative, they revert me back to their automated IVR. 

Either someone ordered this card fraudulently or Netspend is trying to induce me into a financial situation with dubious and unscrupulous methods. They should not be sending me this and they definitely should be helping me look into this if in fact it is fraudlent. They have done neither and its clear that their practices should be stopped.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I disputed a bankruptcy with Experian on XX/XX/2021 Experian received my disputes on XX/XX/2021 it shows according to the certified mail. it is now XX/XX/2021 and I've yet to hear back from experian the FCRA gives the company 30 days to respond, i have not gotten a response from experian i called to see wat was the XXXX they then stated XXXX XXXX lexis it keeps coming back verfied!