davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (PA)

Experian keep allowing the closed account to be reported on my credit file. This student loan is closed and expertise has the dates wrong on the account and its been a old debt since XXXX and experience is falsely reporting it has being late in XXXX when its been in debt since in XXXX. The 7 year grace period has pass.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (IL)

I had an open auto loan with TXXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XX/XX/2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

On XX/XX/2017 my son, a resident of XXXX, died in XXXX. He had opened an account with US Bank in the State of XXXX. To retrieve his funds I was told to submit small estate affidavit and death certificate to the bank. The small state affidavit from XXXX  and death certificate from XXXX  were submitted but bank refuses to close account. They argue a small estate affidavit from the county of death is required from XXXX. On contacting the State of XXXX  Courts was told the XXXX  form is sufficient since US Bank does business in all 50 states ( including internet ). 

US Bank is putting unnecessary obstacles in the way of retrieving my deceased sons assets. I have an account with US Bank and I live in Texas! US Bank is NOT just an organization in Oregon! Even the state of Oregon agrees with me that the Texas forms are perfectly adequate for this action. 

US Bank is trying to literally make a federal case out of retrieving my dead sons accounts. The loss of my son is enough grief without USBank adding to it!
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I called my mortgage company for a payoff, I got a robot that gave me a payoff that was good for ten days. I mailed a check to them on XX/XX/1922 for {$170000.00}. I did not hear from them. They returned my check and said it was not the right amount and gave me a new amount that was {$140.00} more than the quoted payoff. They did not call me and advise me the amount was wrong but chose to communicate by the postal system which created additional interest on the loan. I don't feel I should have to pay them the additional monies since they knew my intent with the check and did not contact me in a timely manner costing me additional money. I am a senior citizen and every dollar counts. I called several times to the mortgage company to get this resolved and when I finally contacted a human, they said they were sorry for the inconvenience. {$140.00} is not an inconvenience. They choose to use communication that extorts additional money from their customers. I do not think this is legal. Their form letter was sent on XX/XX/XXXX and not signed by a human. The letter says this is an attempt by a debt collector to collect a debt. I was not behind on my mortgage, this is absurd.
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (TX)

I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NY)

RADIUS GLOBAL SOLUTION FOR XXXX XXXX {$450.00} Acct # I never received documentation to settle this dept the first i saw on my XXXX Credit Report... 
I have medical insurance and have been disputing it with XXXX XXXX XXXX XXXX And the doctor; Please Review their tachetics in this matter and remove from my credit report! 
While this matter is in process I did contact them once and got routed all over the place They gave a settlement of {$380.00} When i tried to reach back to them to send me a actually bill could get thru XXXX
Consumer complaint received 2022-05-23
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: AMERICAN EXPRESS COMPANY (TX)

American Express has pulled my credit 5 times!!! On a single application for a XXXX XXXX my XXXX credit report was Pulled 4 times!!! And XXXX XXXX time .. and AMEX refused to removed and my application is denied!!!! I dont have bad credit and I want this company to removed 4 inquiries from my XXXX credit report
Consumer complaint received 2022-05-23
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. (KY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-23
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. (GA)

Im accordance with the fair credit Reporting act XXXX Account number # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX has violated my right 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.
Consumer complaint received 2019-09-23
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. (UT)

Equifax how did you verify the negative accounts as accurate that the XXXX XXXX police department has determined to be closed due to fraud? The negative account should have been removed. You have ignored police reports sent to you and failed to do a 100 % accurate and complete investigation which is a major violation.
Consumer complaint received 2023-04-07
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Lending Club Corp (NY)

I completed an application and was approved for a personal loan with Lending Club on XX/XX/2018 for the amount of {$3000.00}. Before Lending Club was to deposit the amount into my checking account they had a simple verification process. This process seemed standard and included a few small deposits of less than {$1.00} to verify the account information. I did not receive these deposit amounts into my account in the time suggested and got an email notification on XX/XX/2018 that I had received the loan amount which was incorrect. 

I promptly contacted Lending Club support to make sure that everything was done correctly on my account via their website support form. They told me to update my account info in my online account and I waited for further instructions or the deposit. I successfully received the standard test deposit of {$0.00} and a withdraw of the same {$0.00} on XX/XX/2018 but not the loan amount. 

After a couple business days I contacted them again through their support form on their website. Lending Club support emailed me back on XX/XX/2018 and provided a temporary number at which to call them back. This number did not work shortly after we completed the phone call. I was instructed to contact my bank and get fax information for Lending Club support to use. I retrieved the information and gave it to Lending Club via their website support form. 

I had no updates, after this, and again requested support via the Lending Club website support form again most likely around XX/XX/2018. Their support system emailed me back with a generic wiki message that had nothing to do with my account on XX/XX/2018. On XX/XX/2018, having heard nothing else from them, I returned a message to them directly emailing XXXX. 

Lending Club support then contacted me back via email and we have an email chain from their message on XX/XX/2018 to XX/XX/2018. This communication was basically Lending Club support trying to contact my back and also myself contacting my bank trying to verify what happened and what transactions did or did not occur. I followed up with an email on XX/XX/2018 and have not heard a response or concern from Lending Club since. 

In conclusion, I have not received the promised loan amount to date. We confirmed with my bank, XXXX, that they did not receive any deposits from Lending Club either into my account or into the possible alternate account that was the incorrect account number at the start. Lending Club keeps not being clear about what happened and their support is not adequate to solve this issue. 

Again, my bank to be deposited into is the XXXX XXXX XXXX XXXX XXXX. Their support has records of the calls and the conversations about the Lending Club issue as well. 

So that my personal credit is not affected by this, I have been making the automatic monthly payments to Lending Club even though I have not received the loan amount that I am paying for.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (SC)

I 've called numerous times to try to get a payment plan set up and every time they send me to someone else or tell me there is n't nothing they can do, I currently have very limited income and so does my co-signer. I understand that I took out the loans and I want to pay them back but I 'm currently having a bit of trouble. I thought I 'd be ending college with a degree and a job instead I was XXXX on my campus and my grades suffered afterwards I went from deans list to academic suspension, I tried to get my grades up but without funding I was unable to rejoin school, now I 'm struggling to get back on my feet and Sallie Mae as made it impossible to work with them to figure out a plan until I can get a better job to pay more.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting a repossession on my Experian credit report and this is not true. I have asked XXXX XXXX to provide proof of a repossession and the only thing they send is payment history and none of it resulted in a repossession. So Experian is reporting inaccurate information and I have informed Experian of this on many occasions. Can you please help me get this resolved.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2022-05-23
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. (NY)

I've contacted XXXX & they told me I've never missed a payment, yet the XXXX Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the XXXX Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2021-11-18
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. (FL)

Both XXXX and TransUnion have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both XXXX and TransUnion are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. XXXX does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For TransUnion, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early XXXX.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (NY)

I've contacted XXXX & they told me I've never missed a payment, yet the XXXX Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the XXXX Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2022-05-23
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. (NY)

I've contacted XXXX & they told me I've never missed a payment, yet the XXXX Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the XXXX Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2022-05-23
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: CITIBANK, N.A. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

This loan was done by people and company that was not licensed in the State of Oregon and the State told me I could do nothing about it but lately I have been told I could. I tried hiring an Attorney but the only one that would take my case with such little money on my part, Shellpoint wouldn't cooperate with them. 

I have been making payments to Shellpoint and Ditech, but they keep raising my payments and I asked for an itemized statement for the {$50000.00}, plus loan/grant I was given plus photos of the check, plus other items and after about 1 year plus they sent me a Loan History Statement ( which I can't read ), they lied to the State and said they had complied with my request. I told them I was not going to pay them the hiked up payments until I received and answer from my qualified request. They didn't complain and they keep taking the {$780.00}, monthly payments. After a while they messed up my credit reports and now after more the several years the stop taking my payments. I send them and they send them back. I was told I had to send them 3 payment before they would start taking them. I did and they sent the 3 payments back. I have proof of all this.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (TX)

The Credit Bureaus stated 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 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 XXXX  # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.