davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

My credit score decreased by 67 points. I reviewed my credit reports with Experian and XXXX  ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

We were trying to refinance our house to get a lower rate, lower payment, and move over to a conventional loan from a FHA loan. We were quickly told to send our deposit of {$500.00} with the understating that our payment would be almost a {$100.00} dollars less and XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX made it sound like it was a great deal. They originally thought that out house would appraise for {$110000.00} and that they could not get us into a conventional loan, once the appraisal came back for {$140000.00} higher than they anticipated they never re-evaluated for a conventional loan and were trying to force us into another FHA loan. I feel that they were very misleading in the numbers that they were giving us and hard to work with. When I reached out to them to get our deposit money back they refused, we only gave the deposit with the understanding that we were going to get a better deal than what we had. They had our closing cost at more than what we originally paid on the house. We would like to get our deposit of {$500.00} back and additional {$1000.00} due to lost wages and the XXXX that this caused on a state XXXX XXXX XXXX. XXXX had to take time off of work for the appraisal and all the times that he had to talk to XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX and the time that it took to get the paperwork that they needed. Quicken Loans made us rush to do everything to make it seem like it was a good deal and then without letting us know would change numbers and not call to discuss anything.
Consumer complaint received 2021-11-18
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

2hardinquiry'sforthesameloanfromthesamecompanywithin1month--Experianisimpossibletocontact-noemailcorrespondenceandno(real)phonecustomerservicealsonodisputemechanismontherewebsiteforhardinquiry'sIhave2hardinquiry'sfrom;XXXXXXXXXXXX,aboutthesameloanonmycreditreportbothwithina31dayperiod---only1hardinquirywasauthorizedalsoExperianstatesonitswebsite"thatany2ormoreinquiry'sfromthesamecompanywithin45dayswillautomaticallybecombinedintoone"thisisExperian'scompanypolicyfromtheirwebsitetheydidnotdothisyoucannotcallandspeaktoANYONEnooperatorsatalljustautomationalsotheyhavenoemailorcustomerservicethisisahorriblecompanytheywaytheoperateshouldbeoutlawedifyoudon'tbuytheirupgradedservice,yougetnoservicethisisextortion
Consumer complaint received 2024-02-13
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. (GA)

On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to experian.com and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Consumer complaint received 2021-11-18
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: LEXISNEXIS (CA)

Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a chapter XXXX, filed in XXXX and voluntarily dismissed in XXXX. This has threatened my ability to find an apartment that will accept me although all of my debts have been paid. I have been trying to find an apartment for my kids and myself and no one will accept me due to the bankruptcy that I entered into voluntarily and dismissed voluntarily.
Consumer complaint received 2021-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom it may concern : My name is XXXX XXXX, and I have been with Capital One Bank NA, for fours. I had some problems during the ending of XXXX, and beginning of XXXX, with being late due to XXXX. I have contact Capital One bank and have asked them to work with me on removing the late payments because they are affecting my credit. As you can see since then I have never been late on this account before in the past or previously. Please help me with this matter, I had perfect credit before XXXX and would like your help on getting it back into good standards. Thank you for all your help with this matter. 

XXXX XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MA)

this company ncb management is trying to collect on a debt that was proven fraud its been clearly sold from one collection to another now this company is trying to collect on a fraud account I had disputed back in 2019 and was successful at removing it. I want this harassment to stop or I will take legal action.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION violated my federally protected consumer rights under the FCRA. I sent in a FTC Identity Theft Report via certified mail with a return slip on XX/XX/22. It was received on XX/XX/22. ( Proof attached ) Along with the FTC Identity Theft Report was a cover letter stating my claims and all identification needed for the fraudulent accounts to be removed pursuant to 15 USC 1681c-2. Pursuant to 15 USC 1681c-2, TRANSUNION had 4 business days to remove the accounts from my credit report ( XX/XX/22 ). I filed Identity Theft for four ( 4 ) fraudulent accounts and only two ( 2 ) were deleted. This is unlawful and a violation of 15 USC 1681c-2. It is well over the 4 business days. TRANSUNION is obligated to remove the XXXX and XXXX XXXX XXXX accounts pursuant to the FCRA, as they are fraudulent. Moreover, TRANSUNION stated they verified the accounts and the accounts have delinquencies. I filed identity theft for a reason. I demand a full disclosure and the source of this verification, pursuant to 15 USC 1681g. Moreover furnishing these accounts along with the delinquencies is a violation of 15 USC 1681s-2. No where in the FCRA does it state that delinquencies are to be reported, ESPECIALLY since they're inaccurate. I have done everything I needed to do via federal law to have these fraudulent accounts deleted from my credit report and file.
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Thank you in advance for your time and attention to this matter. 

I am writing because I have met all the requirements for loan forgiveness under the Public Service Loan Forgiveness Program ( PSLF ). For the last ten years, I have been a social worker at an employer that qualifies under PSLF. PHEAA/FedLoan Servicing have processed payments for 9 out of 10 years ( 108 out of 120 eligible payments ) and acknowledged that my employer qualifies. As of XX/XX/2021, I have submitted a certification to PHEAA/FedLoan Servicing that I have made all 120 of the payments required to process my loan forgiveness and forgive the remaining balance of my loans. Since that time ( ie for the last ~5 months ), my application for loan forgiveness has been in limbo with PHEAA/FedLoan servicing. I follow up regularly through various available channels but am never able to get more than perfunctory answers to questions about when my loan will be processed for forgiveness. The most I am told, repeatedly, for months now, is that PHEAA/FedLoan Servicing needs to verify my employment with a qualified employer. However, as mentioned, I have been at the same employer for years, and PHEAA/FedLoan Servicing has, in each year except this last one, timely verified my employment and confirmed that the employer is qualified. As a result of PHEAA/FedLoan Servicings refusal to certify my most recent year of employment, I am administratively stuck on 108 out of the 120 eligible payments. I am particularly distressed because it is clear that PSLF applicants are being processed on a regular basis these days, but my application is being left behind for unclear reasons. I have fulfilled my obligations and responsibilities towards loan forgiveness under the PSLF Program over ten strenuous years in public service. I am hoping that you can use the influence of your office to help push my application through. Thank you again. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. 

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract. 

PLEASE REMOVE FROM MY CREDIT REPORT
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am challenging the incorrect information with XXXX on my credit report. Where XXXX and XXXX clearly violated the law. XXXX and XXXX put on my credit report an account number that is not my and the balance is false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXXXXXX XXXX is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXXXXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im challenging this account with XXXX and XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Provides me with strict proof section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Consumer complaint received 2021-08-24
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. (CT)

RE : Letters Submitted : XX/XX/2021 XX/XX/2021 & CFPB COMPLAINT XXXX FEEDBACK SUBMITTED XX/XX/2021 I called and spoke with a TRANSUNION representative about my report on XX/XX/2021. I was only provided a partial report with no score. When I spoke with the rep I was told that I would receive a new report and updated score once the full disputes had been compete. On XX/XX/2021 I received the new credit report but again it was partial information not a new full report with newly updated score. I do not have pay for a new score as the partial credit report sent to me states. I am entitled to accurate and fair reporting as the consumer. 

On XX/XX/2021 your organization responded to my complaint to the CFPB saying : Within 30 days, we will close out your dispute and advise you of the results in writing. You have not done so and you are in violation. Because you have not provided me with an updated credit report and score and have failed to respond to my written disputes within 30 days which makes you in violation of FCRA Section 611 Part ( A ) ( 1 ).

It is obvious that TRANSUNION has attempted to circumvent the system and I will report this if they do not comply. Since XX/XX/XXXXI have provided documentation and asked for them to investigate then delete this inaccurate information from my report and provide me with a newly updated report and score. It is now XXXX and TRANSUNION has failed to comply with the law. 

Also you are attempting to Re-age my account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. I am certain you are aware of the FCRA Section 605 ( c ) Running of the reporting period of which you are also in violation of. Its the original date of when the debt was incurred that determines when it is removed from your credit report.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (FL)

Back in   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  for an oil change and I came out driving a new   XXXX    XXXX   XXXX   XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (FL)

I request a {$30000.00} wire transfer from my High Yield American Express Savings account into my XXXX XXXX Brokerage account and the money did not show up. When I call American Express they tell me to call XXXX XXXX with the XXXX XXXXracking number. When I call XXXX XXXX with the tracking number they say they can not find it. I requested American Express put the {$30000.00} back into my account to avoid financial hardship on me but they refused.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp (NC)

These people keep calling me looking for my sister for some reason, Ive told them I have no information about her or what her business is with them and to please not call me but they're still doing it. I'm also on the national do not call registry. They've called me once a month since XX/XX/2021 ( so four times total with 3 of those being after I asked them not to call me again ).
Consumer complaint received 2021-08-24
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. (NY)

I sent a letter to transunion because I noticed some accounta being furnished that are not supposed to be. in there response they asked for proof of identification so I sent them my license and social security card. I have not yet recieved a response from themm regarding these account that should be removed from my consumer report. it has been more than 60 days. I also got a copy of my report stating it's deleted but I still see it being reported online and again it's been more than 60 days