davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have student loans which have been consolidated more than once upon Navient 's recommendation. First time they were consolidated I was told by navient or XXXX XXXX more than 20 years ago that after 10 years of on time payments, My loans would be forgiven, whatever balance was left if any. I was told I qualified for this because of something to do with being a teacher of the speech and hearing handicapped. I believed them, and planned my future around that for some time, as servicers changed and representatives training changed, suddenly one day I was told that this wasn't true! I now sit with over XXXX in student loans, my educational loans come from XXXX and XXXX college, however it was the servicers who gave me false information. I am almost XXXX and didn't expect to be lied to by a loan servicer. I wasn't familiar with all the repayment options income based, etc.. from the start, and I was totally misinformed because I was ( YEARS LATER ) told that I needed to be consolidated to a direct loan to qualify for any forgiveness, and that I didn't qualify for forgiveness under the plans... it was devastating! And is a hardship to be told that I will be paying for these loans for 20 more years, but if i had been in a different program after 20 years of qualifying payments it would have been forgiven. If I'd been in that program I'd been near the end of repayment now! This is a mess
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I want these accounts from removed from my credit. The accounts reported have delinquent balances reported with them and closed off accounts aren't supposed to have a balanced tied to them. It is negatively impacting my credit and its hindering me from doing anything for my family.
Consumer complaint received 2021-03-15
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: ENCORE CAPITAL GROUP INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX  and Experian reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX credit Union merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect credit report.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In the month of XX/XX/2020, I was charged a {$39.00} annual fee. This is a 1 % cash back card which has a {$400.00} credit limit. I called XX/XX/XXXX as I had a {$110.00} balance and I anticipated only having a {$79.00} charge. XXXX from capital one said I was charged annual fee. I told him to close my account and waive the annual fee as I would no longer use the account and that I had never requested the annual fee waived. I also added that due to my credit limit of {$400.00} the 1 % cashback would not benefit me since my cash rewards would only be up to {$40.00} which the {$39.00} annual fee would take. He said that the annual membership fee benefits me but could not explain how. He continued to say that there were no offers to credit the fee and said sorry. I would like the CFPB to look into UDAAP unfair abusive practices for this card as i feel it does take advantage of a consumer with this low of a credit limit as the annual membership fee will take up the 1 % cash back anyway. Additionally, the highest amount of cash back I have ever received was {$13.00}. My request is to close the account and waive the annual membership fee.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I settled this account in XX/XX/2018 and on my TransUnion and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I settled this account in XX/XX/2018 and on my XXXX and Experian credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Prior to returning to school last XXXX I was making payments on my loans with Nelnet loan servicer. I had my payments set up on autopay and when my school reported to NSLDS that I had returned full-time Nelnet automatically put me in an in-school deferment without my permission and zero notification. THIS IS UNACCEPTABLE. Every XXXX of interest I have paid against this loan is GONE and has now increased and been reported to the credit bureau reducing my credit score. Student loan servicers should not be allowed to stop taking payments without the consumer 's permission or any notification.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2020, My husband and I called Capital One after noticing a huge drop in his credit score of almost 200 points. We were obviously extremely worried and saw that there was reported 2 missed payments reported from the Capital One account. We knew that we submitted a payment via the online app from our XXXX account and we had no contact from Capital One that the payment had not gone through or that the account was delinquent. We called Capital One and upon speaking to the representative about the problem they said that our bank had pushed back the payment ... but from an account that was not listed on our payment options and had been closed for more than a year now. The account wasn't even listed on our side and yet they still had the information from their records and tried to process the payment from a closed account. Of course it would be pushed back ... When I asked her to why they would try and process it from that account when it had already been taken off the list as a valid account to submit payment, she couldn't answer why but the account was still listed on their side and pushed me to just file a complaint with the credit bureau instead. It was infuriating. Lack of communication and a complete mistrust of private financial information. They wouldn't pick up the mistake they had made by not processing the payment on the right account.
Consumer complaint received 2023-01-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was XXXX  to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.
Consumer complaint received 2024-03-24
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: EQUIFAX, INC. (FL)

XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so
Consumer complaint received 2023-01-24
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Balance {$410.00} Opening Date : XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (CA)

On three different occasions I tried asking Capital Accounts for proof I owe this debt. I've asked them to verify and validate the debt they say I owe with a contract that has my signature and they continue to only send me a itemized bill in return. They are being deceptive by claiming I have asked for an itemized bill when they no that's not true. They are also raising the initial debt every other month in interest fees. I asked them to provide any XXXX forms that I signed, treatments I received or anything that might connect me to this debt and they still haven't.
Consumer complaint received 2022-03-21
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Today ( XX/XX/21 ) a collections dispute was REMOVED from TransUnion. TU dropped my score by 60 points. The only thing that changed was this removal. I had disputed the collections ( medical ) because of wrong information and it was not me. The derogatory mark was removed, and immediately my score dropped 60 points lower. I called TU and was told they could not tell me the reason why and they could not supply my credit report. TU then tried selling me a service at {$19.00} a month for this information. Not once but twice with the sales pitch. This appears like a " pay for credit boost '' scheme. My XXXX increased by 62 points as a result of the collections removal. Very strange that TU dropped it 60 and then tried to sell me a monthly service for any information relating to my score.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (MI)

I settled this account in XX/XX/2018 and on my XXXX and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Ocwen violated hamp incentive program. 
XX/XX/XXXX we should have received XXXX  principal curtailment for timely XXXX payments 1 ) letter dated XX/XX/XXXX classified this hamp program as a recast offer 2 ) letter dated XX/XX/XXXX stated our XXXX payments were not timely 3 ) letter dated XX/XX/XXXX stated it was a hamp tier 2 program. 
This lender has been nothing but deceptive giving false statements or facts due to their violations. 
Supposedly lender credited us XX/XX/XXXX but reversed it mid XXXX. 
Since we dont receive statements on our account I dont know if they credited this XXXX back to principal. 
They violated the hamp program under the false claim act, which borrowers received 3 times the award plus punitive damages of XXXX.
Consumer complaint received 2022-03-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/22 I Called to get information from my existing mortgage lender ( New Rez ) about home equity loans, asked for information several times from XXXX XXXX mortgage consultant # XXXX but instead he ran my credit and started a new mortgage application which I did not authorize or consent to. I asked him for the info and he became agitated and said why I asked him about the home equity loan if I wasnt going to apply. I called New Rez to put in a formal complaint and no one has gotten back to me.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

They stole money when I was in XXXX XXXX drawing interest and then when I tried to call them they had no explanation as to where my money was or went. Then as soon as my XXXX XXXX  was over they reported me delinquent to all the credit bureaus which I always paid monthly sometime twice a month- they still cant tell me where all of my payment went. My mortgage was {$2000.00} since XXXX and I paid {$2100.00} per month every month since XXXX. I called them and asked 5 different times to apply the overages. They refused and when I finally was out of XXXX XXXX  they reported I was delinquent and ruined my credit. This company should not be allowed to hold mortgages. Especially for borrowers who are trying to do the right thing. Someone or some entity needs to investigate them- they are practicing mortgage fraud.
Consumer complaint received 2022-03-21
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. (FL)

I called XXXX, XXXX and Experian to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and experian credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed