davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management (NY)

XX/XX/2019 XXXX I received a call from a company claiming I have a debt that needed to be solved or legal action will be taken from a number them. 
XX/XX/2019 XXXX received the same call XX/XX/2019 XXXX again received the same call I decided to look up the number that was continuously calling me threating legal action, taking I have never seen this number before or have never been contacted by this number and most of the claims are harassing claims. 
The XXXX  reports within this company are horrible and several people claiming false legal action among them. 
I found 90 claims that most have said they have no debt and this company is calling harassing people. 
XXXX was the number I was contacted on and afraid of pressing 0 as they tell you to. I didnt want any of my personal information or personal things within my phone being obtained from a scam.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (LA)

I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX  XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. 

" " XXXX  Payments How can I make my payments for the XXXX? 

We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. 

Why does my payment status for the XXXX say " pending ''? 

A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. 

Can I choose/change my XXXX minimum payment due date? 
At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''
Consumer complaint received 2018-11-05
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: SYNCHRONY FINANCIAL (NE)

Got an email from XXXX XXXX that a hard inquiry was placed on my XXXX Credit report. It was from XXXX XXXX in XXXX, Florida. Did not recognize the inquiry. Have not applied for a card from XXXX. Date that the inquiry hit my report was XX/XX/18.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (WI)

XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX  reports since XX/XX/2018 removed from my credit score as soon as possible.
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (AZ)

I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.
Consumer complaint received 2018-11-06
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: ID Analytics, Inc. (FL)

I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Higher Education Servicing Corporation, Inc. (TX)

XXXX XXXX ( XXXX ) XXXX Higher Education Servicing Corporation I have student loans that I have never entered into a payment agreement. I have always deferred the payments. Early this year I missed some paperwork to continue my deferment but did what they asked me to do in order to bring my account " current ''. It took one form and they gave me a date to put on the form going back to when my account was due because my deferment had ended. I filled out the form and thought that was it. In XXXX my credit score dropped significantly causing credit card companies to close some of my accounts because my score was so low. I have worked hard to maintain good credit and I believe this is an unfair credit reporting by the company. They are reporting 21 late or missed payments causing my score to drop. I pay all my bills on time and ahead of time. I have also payed down my credit card debt but my score does not improve. According to the credit reporting agencies the number of late/missed payments showing on my report is the cause of my low score. I have reached out to the company and spoken with Mrs. XXXX around the first week in XXXX of this year. They are not providing me with any solutions and advised me to call my congressman for help. I have also spoken with XXXX ( XX/XX/XXXX ) about my account. According to XXXX I have one account with one account number. I have also disputed the information with the credit bureaus but my score continues to be low. Please help!!
Consumer complaint received 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

There are a few issues with XXXX XXXX : 1 ) I keep getting correspondence from them about two loans ( identified by account numbers in the next section ). Only one was even reporting on just one of my credit reports ( XXXX ) -- and that one was deleted for being unverified, which to this day it still is. The total amount for this ONE loan account was about {$260000.00}. Insanity! They are still contacting me about this loan even after it's been deleted from my XXXX  report. I've even gotten a late payment notice with an amount past due of {$2900.00} as of XX/XX/2018. This is really crazy to me. I am a senior citizen and live on a limited income, so it is frightening to ( still ) be getting bills and notices in the mail and for such large amounts! 2 ) Alongside this is the fact that the second loan ( shown as list of disbursements ) I keep getting mail notifications on as well for {$0.00}. This account isn't in my legal name and needs to be deleted on top of it already not being verified either. 3 ) Bottom line is that I have repeatedly asked for verification from XXXX   XXXX and after SEVERAL MONTHS have not received a shred of proof, which is why the larger account was deleted from XXXX. They are still reporting this account with the other bureaus in order to keep sending me bills ; please tell me how an account can be verified and unverified at the same time? Both accounts need to be deleted.
Consumer complaint received 2022-03-30
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (MA)

I was attempting to purchase new wireless service from XXXX. I have credit freezes with all three credit agencies. I went on line and successfully places a request to temporally lift the freeze and was successful with XXXX XXXX and XXXX. Experian refused to lift the freeze without explanation. I was unable to reach a representative at Experian for assistance and an explanation. The toll free number only offered me auto assistance and a response that I had to re submit my request in writing, via letter, to them and they were not going to respond to any correspondence. I then placed an order with XXXX, which was rejected due to the credit freeze from Experian. XXXX kept changing their story, saying there was a credit freeze, or a frozen file, credit, or a credit lock, but that they could not obtain my credit because Experian was blocking access to all credit, including XXXX XXXX and XXXX. I believe this is a violation of the Fair Credit Reporting Act. Experian should not be able to have service denied to me without explanation or appeal, and should not be able to block access to other credit reporting agencies.
Consumer complaint received 2022-06-17
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. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (LA)

As of XX/XX/2019, RGS Financial has contacted me 11 times during the month of XXXX   using an autodialer. Dates and times are as follows : XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX   XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. THIS CREDITOR HAS BEEN REPORTING 2 ACCOUNTS INACCURATELY AS IF THE ACCOUNTS ARE ACCURATE. HOW IS THIS POSSIBLE WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT WHICH I HAVE PUT THE BUREAU EQUIFAX ON NOTICE AS WELL AS XXXX XXXX XXXX THAT THESE 2 ACCOUNTS THAT WHERE OPENDED FRAUDULENTLY. I'VE SENT NUMEROUS DEBT VALDIATION CERTIFIED LETTERS IN TO THE COMPANY ON XX/XX/20018 RECEVIED BY AGENT XXXX XXXX ASKING TO PROVIDE ME WITH THE ORIGINAL DOCUMENTS THAT CONTAIN MY ORIGINAL SIGNATURE. NO RESPONSE HAS YET TO BE GIVEN IN REGARDS TO THIS BUT A BOILER POINT STATEMENT PRINT OF CHARGES THAT SOMEONE ACTED AS ME AND CONTINUED TO PAY ON THE ACCOUNT. WHEN I CALLED IN AN SPOKE WITH A REP. REGARDING THESE FRAUDLENT ACCOUNTS SHE STATED " THE NORMALLY IF FRAUD IS COMMITTED THEN THE THIEF DOESNT PAY THE CARDS IT'S JUST A ONE TIME USE AND THEN THEIR DONE ''. I EXPLAINED TO HER THAT THESE CROOKS HAVE EVOLVED AND IF SOMEONE IS TRYING TO LIVE AS YOU AND CAN NOT GET CREDIT IN THEIR NAME THEY WILL PAY THE BILL TO KEEP IMPERSONATING YOU. IT'S COMMON SENSE THEIVES ARE NO LONGER XXXX. I AM SO XXXX UPSET BEHIND THIS FRIVOULOUS REPORTING I CAN SCREAM. I HAVE NEVER HAD A XXXX XXXX XXXX ACCOUNT NOR HAVE HEARD OF THEM BEFORE. THIS IS TRULY INSANE.
Consumer complaint received 2018-11-03
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: Angel Oak Mortgage Solutions LLC (CA)

Angel Oak Mortgage continues to pull hard inquiries on my XXXX  report every 30-60 days even after filing a complaint, reporting it, and they responding they were not engaging in pulling my report.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My Experian credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX XXXX ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the XX/XX/XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX  is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXXe verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX XXXXold the acct to them.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (TX)

I am writing to express my frustration regarding the inaccurate information on my credit report. Despite sending multiple dispute letters, no action has been taken to rectify the errors. This situation is not only causing me significant distress but also violates my rights under the law. 

I urgently request that you investigate this matter and promptly correct the inaccuracies on my credit report. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2022-03-30
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. (VA)

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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.