davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2019 checking credit report beside always having problems with XXXX XXXX they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now XXXX only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.
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: Experian Information Solutions Inc. (TX)

I recently had a credit score of XXXX. In XXXX I paid off my car loan in full ; however, to my surprise Experian dropped my score XXXX POINTS. I called Experian to discuss this matter with a customer service representative. Needless to say, the representative was unable to assist me with answers and the phone conversation was unsurprisingly disconnected, with no callback.. I have worked very hard on raising my credit score by paying all my debts on time and to have it decreased by XXXXPOINTS is mind blowing.. I am sure this happens to many other consumers with no legal explanation, which should be investigated. Please help consumers and investigate these tactics by big credit companies its not fair and makes no sense.. I see why its so hard for certain consumers to live the American Dream
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TN)

On XX/XX/2022, I called the XXXX OneMain office to advise our automatic payment would need to be moved from XX/XX/XXXX to XX/XX/XXXX, due to complications with finances after my husband changed jobs. XXXX, the store manager, offered a deferment of principal if we paid the interest portion on XX/XX/XXXX. I accepted the loss mitigation offer and advised that the email on the loan needed to updated to my email and my husband 's email removed. I was advised this happened and then set up the post-dated payment for XX/XX/XXXX. In the past, during calls soliciting new loans, my husband has asked for his cell phone not to be called. On XX/XX/XXXX ( may not be the right date, it was before the XXXX and after the XXXX ), XXXX from the same OneMain office called my husband 's cell phone and asked when we would be making the remainder of the XXXX payment after I had already made the arrangements for the deferment and had the payment for the interest portion post-dated. I advised him then that the phone call was not warranted as I had already called and made arrangements. Then, on XX/XX/XXXX, our interest portion was debited from our account but the confirmation email was sent to the wrong email. This is 3 violations of contact rules in less than 30 days. 

In addition to this, I was lied to in the beginning when we signed the loan and had to correct the person closing the loan. I asked if there were any prepayment penalties for paying off the loan early and was advised there would be none. I clarified by asking if I paid a lump sum, it would be applied to the principal and accrued interest for that month and any fees and the loan would be paid out, right? She advised, no, the lump sum would be applied to payments and extended out. I told her then that is considered a prepayment penalty and then I would not actually be able to pay out the loan whenever I chose. This is a deliberate lie being told to these customers. I don't know if they have since changed their policy, but as far as I know, I was lied to and am trapped in this loan until the term is completed. At the time, I had no choice because I needed the money but I find it unacceptable that they would advise this, especially to people who do not have the knowledge about lending that I do.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX  XXXX.
Consumer complaint received 2022-12-01
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. (FL)

XXXX Things XXXX. When I check my credit score through XXXX, my score is 644. Factors include two late payments. This summary also shows three times as many inquiries. The information is coming from Experion. I have checked Experion, XXXX, and XXXX and do not see any late payments. 
2. I have made several inquiries into getting a home equity loan or line of credit. it is my understanding these types of inquiries do not count against you. If that is the case, why has my score decreased by more than 50 points?
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. One of these unverifiable accounts were deleted and remain on my credit report.

The letter also requested incorrect addresses be deleted. Some of the requested revisions were performed but on further review there are a total of four incorrect addresses that need to be deleted.

The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my past employers per my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Transunion did mail me a response letter to the verification and demand letter I sent them.
Consumer complaint received 2019-06-14
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. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
The following accounts are not mind account. No knowledge account. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 


XXXX XXXX # XXXX XXXX XXXX XXXX mine account. Please delete. 
XXXX XXXX XXXX Account # XXXX.. Not mine account. Please delete. 
XXXX XXXX XXXX # XXXX. Not mine account. Please delete.. XXXX XXXX XXXX # XXXX.. Not mine account. Please delete XXXX  XXXX XXXX XXXX {$380.00} XXXX.Not mine account. Please delete XXXX XXXX XXXX # XXXX.. XXXX Not mine account. Please delete. XXXX XXXX # XXXX Not mine account. Please delete. 
XXXX XXXX # XXXX Not mine account. Please delete. US DEPT OF EDUCATION # XXXX mine account. Please delete. US DEPT OF EDUCATION # XXXX Not mine account. Please delete. XXXX XXXX  # XXXX Not mine account. Please delete.
Consumer complaint received 2022-03-21
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)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-16
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. (GA)

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Consumer complaint received 2019-10-16
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: EQUIFAX, INC. (GA)

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Consumer complaint received 2017-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation (CA)

Never received a letter, bill, or phone call from listed original creditor: XXXX    XXXX   XXXX   XXXX   XXXX . Yet this morning  XXXX / XXXX /  XXXX     XXXX   XXXX   alreted me that a new account was placed on my report. I check it out and I have a new deb collection fro m Deville Mgmt.  it states original open date is  XXXX    XXXX  . I never conducted business or have ever heard of  XXXX    XXXX   XXXX    XXXX  in  XXXX    XXXX  . This is a fraudulent company, name, and there is no contact info for this original creditor. furthermore deville mgmt. did n't send correspondence neither, they just reported this on my credit and ruined it.
Consumer complaint received 2022-03-21
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. (GA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-16
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. (DE)

Fraud Inquiries not authorized from these listed companies on my Experian Report are XXXX   XXXX XXXX and XXXX XXXX  XXXX  XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX all these need to removed from credit file
Consumer complaint received 2022-03-21
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

Credit Acceptance have been reporting late payments when all payments were pay as agreed since XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to credit acceptance.
Consumer complaint received 2019-04-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (LA)

my vehicle was improperly repossessed. Before the vehicle was repossessed, I made a payment and the rep asked me when i would be able to make another payment. I told her the date and she documented it and state my name WOULD NOT be on the repo list as long as i pay that amount. the car was later sold, but I was not made aware of how much it actually sold for. About two months ago, i checked my credit and it showed {$4800.00} as the remainder. I called and was told i could pay half to settle which was {$2000.00}. I paid that amount but {$4800.00} is still showing on my credit score. This is hindering me from obtaining a new car.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NJ)

I WAS XXXX! CONTINUE TO BE XXXX! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act XXXX XXXX XXXX ILLEGAL TO COMMUNICATE, XXXX XXXX XXXX XXXX PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! XXXX XXXX XXXX XXXX VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the XXXX I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with TRUE ACCORD, you do not have granted that permission. As per XXXX, you violated me, your corporation is criminally liable pursuant XXXX XXXX XXXX because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per XXXX XXXX XXXX XXXX for XXXX parties to come together and conspire against MY rights as consumer. READ XXXX XXXX XXXX & XXXX ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Consumer complaint received 2021-03-10
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (DE)

It is again complaint against Discover Bank. Two previous complaints were about payment of {$500.00} to XXXX XXXX when the debt had already been paid and these payments should not have been made. But now it is the opposite problem. I have outstanding debt to XXXX and {$300.00} should have been paid every month on XXXX but this month ( i.e., XXXX ) payment was not made!
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Repeated calls, nearly every day from Portfolio Recovery Associates ( XXXX and many other phone numbers ) to my XXXX XXXX telephone number. They do not know my name, I do no business with them. I have blocked many of their fake phone numbers, but Portfolio Recovery Associates continues to call this number.