davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-16
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: Informative Research (TX)

On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TradeStation Group, Inc. (OH)

I input {$10000.00} to qualify for a crypto promotion but Tradestation refuses to honor it. I even contacted them before applying for the account to ensure I understood things correctly and was told I would get the bonus. Now, they're saying I will not.
Consumer complaint received 2022-03-16
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. (PA)

My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened po box es in numerous states without my permission. I don't even know how to open or get a po box . I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call 911. Since my original report I have heard complete radio silence from anyone and everything
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DE)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-16
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. (CA)

Inquires to DO not belong to me : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-03-16
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. (LA)

Equifax deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

On XX/XX/2022 at XXXX EST I spoke with XXXX XXXX XXXX National Credit Systems . The collector failed to verify my identity via an address, SSN or other personally identifiable information, a potential third party disclosure violation. I mentioned to the agent that I wanted to dispute the debt and XXXX proceeded to talk over me and refused to allow me to ask any questions about the debt. He wouldn't allow me to give any reason for disputing the debt or offer any means to resolve the debt other than paying such debt that I do not owe. After promptly hanging up while I was asking how else I could resolve the debt, XXXX XXXX forwarded 4 phone calls to voicemail. 

I may have updated my mailing address or email had the collector allowed me to know what address and email they had on file. Instead XXXX XXXX refused to provide me witht that information. 

This company is using the threat of damaging credit as a means to force consumers to pay debts which they may not owe and refusing to communicate ways to resolve disputes.
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation (MD)

Called my XXXX on XX/XX/2022 about my loan he said the I had owed them money from a loan that I had with them also they are calling all hours and the payment is not going to the principal just to the products
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (TN)

I am writing to submit a formal complaint on property tax error made by Summit funding Inc and XXXX XXXX I noticed that {$1700.00} was disbursed from my escrow account on XX/XX/2021 and paid to XXXX XXXX. However, when I logged into XXXX to download the tax receipt, I found that my taxes were delinquent and had not been paid. 

Upon further investigation, it is confirmed by the XXXX XXXX, TN tax authority that XXXX paid bill # XXXX instead of bill # XXXX. This error has resulted in my taxes being delinquent and accruing interest. 

I would like to have this error resolved immediately by notifying the tax authority in writing and paying the property tax due, including the accrued interest. I expect that XXXX will be responsible for paying any interest accrued until this error is resolved. 

If you need to reach out for more information or evidence. Please do not hesitate to contact me. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-03-16
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. (GA)

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC. (CA)

I had a XXXX XXXX, XXXX, and total visa card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and total visa cards. I set up another payment plan for the XXXX XXXX  which I am currently making payments on.
Consumer complaint received 2022-03-16
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. (GA)

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXXXXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a XXXX XXXX, XXXX, and XXXX XXXX XXXX. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX XXXX XXXX. I set up another payment plan for the XXXX  card which I am currently making payments on.
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (FL)

dept of ed nelnet XX/XX/XXXX XXXX for the amount of {$4200.00} they put this into collection when it was already paid for. it reflecting on my credit and its making it hard for me to get any loans or help. how could i remove this collection off of my report.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (DE)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-05
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: CLGF Holdco 1, LLC (FL)

NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc. (MD)

R A Rogers Collection Consultants Put a negative information on my credit without contacting or verifying or giving me the benefit to dispute. 
I'm not even sure if they are legally supposed to report me to the credit bureau. 
I reached out to them to tell them that the information was wrong they did not want to hear me an told me to file a police report that's the only way they will do anything.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, Thanks for taking the time to assist me. I am writing today in regards to my capital one Account # XXXX. which I had some issues with in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I was unwell and ran into issues. I did get my account caught up and have been on time since then.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mnet Financial Inc (OH)

On XX/XX/XXXX I had a XXXX  at the XXXX XXXX XXXX in XXXX, Ohio. They made me pay {$100.00} up front before they would perform the XXXX, and give them an account number that the facility could draft monthly until the bill was paid in full. Three subsequent payments in the amount of {XXXX} were drafted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That was the last draft until I received a notice in the mail on XX/XX/XXXX indicating XXXX turned in an outstanding amount of XXXX to XXXX XXXX XXXX for collections. On the statement from XXXX, it indicated that I had not made any payment to XXXX from the XXXX date of XX/XX/XXXX to present which is absolutely false, incorrect and a misrepresentation of the facts. XXXX did not auto draft the final amount from my account as they indicated, then proceeded to turn me into collections. I am not disputing the final amount owed of XXXX per my EOB 's from my insurance company I definitely owe them that outstanding amount and have made every attempt to pay XXXX directly. My issue is a ) they turned the amount into collections completely misrepresenting that I had made no payments, and b ) they refuse to let me pay the bill without going through the collections agency.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (TX)

i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you XXXX XXXX XXXX
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For the credit card issued by XXXX XXXX XXXX, ( 1 ) Give me the details of all answers submitted by your employee named XXXX, for issuance of this credit card. It is my information and therefore it is my right to know my own information, which have been submitted not by me, but submitted by the bank employee. ( 2 )  Even after around 10 months of credit card usage, my XXXX score is still not available. See attached XXXX score screenshot, clicked in my XXXX  XXXX XXXX 's mobile application. I have complained many times to branch at XXXX XXXX XXXX, CFPB, bank 's customer care, Bank 's credit card department but nothing worked out as XXXX XXXX XXXX is extremely busy to practice illegally and with no business ethics. Bank 's motto seems to cheat new customers on the fake promise of good service. Once the prey signs the document, no one listens to that victim customer because the motive of cheating is achieved. And this way, I am still not getting my XXXX score as no one listens to my complaint in XXXX XXXXXXXX XXXX. Kindly give me the details of all answers typed by the XXXX ( XXXX  XXXX XXXX employee ), because I am sure he must have done some blunder and therefore even after using credit card for around 10 months, paying the bills on time every month, my XXXX score is not available anywhere.
Consumer complaint received 2017-09-08
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. (DC)

Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).
Consumer complaint received 2017-09-08
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. (IL)

Equifax hack that was found out late XXXX/XXXX/XXXX or early XXXX/XXXX/XXXX has possibly affected me based on what they have told me. They want to offer me free protection while waving my rights to seek action against them