davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: DISCOVER BANK (VA)

I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX  requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX   fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From Experian on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX/XXXX  obtained a copy of your EXPERIAN Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX/XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?
Consumer complaint received 2020-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

The only options that I have been offered by Navient are forebearance, income sensitive repayment, 9r graduated repayment. My income has not increased but actually decreased. My loans originated in 1999  and have higher balances now than origination. I can not afford the standard payment options offered. Forebearances have only increased my debt, resulted in additional interest and not benefited me. The consequences of forebearances were never explained and always offered as sson my loans went delinquent.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

All three credit bureaus are reporting a Bankruptcy Chapter XXXX from XX/XX/XXXX on my credit reports, however, XXXX immediately removed it upon my request, yet XXXX and XXXX continue to report it claiming it obtained the public record from LexisNexis. I sent my first letter to LexisNexis on XX/XX/XXXX via certified letter ( letter and certified receipt are attached ) and they did not respond within 30 days, therefore, violating the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I then sent my second letter on XX/XX/XXXX via certified mail ( letter and certified receipt are attached ). I also asked for a copy of my credit report on XX/XX/XXXX and have yet to receive it, therefore, I called LexisNexis yesterday to enquire and they basically had no answer, so I decided to ask about the letter regarding the 'Bankruptcy Dispute ', I spoke to XXXX and he said he had good news, that there were some items removed, however, not the Bankruptcy. I've never seen the credit report LexisNexis maintains under my Social Security Number, so I'm not sure what good news he had for me and he did not disclose that to me. Nonetheless, LexisNexis failed to respond to me violating the FCRA section 611 ( a ) ( 1 ) ( A ), therefore, they must remove the Bankruptcy and issue me a letter confirming as much. Lastly, Federal Law Rule 9037 prohibits their validation methods.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Penn Credit Corporation (NY)

XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg.

I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.
Consumer complaint received 2019-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had fraud on my checking account on or about spring XXXX. I finally retrieved all the info Bank of America needed and on XX/XX/XXXX I received a letter from them stating their was fraud and I was not responsible. It also stated they would let outside agencies know. 
After calling them more than 10 times, and getting " we have sent the release to XXXX XXXX. I waited 30 days as instructed. Still on XXXX XXXX list that prevents me from opening a checking account. 10 days ago another stressful call, they told me the agent that was suppose to handle it moved on and the request was returned to Bank of America for insufficient information. BOA assured me they would expedite and relay the release to XXXX XXXX. I just called XXXX XXXX and still no response from BOA.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today i recieve a credit alert of a credit inquiry/ credit card aplication for a capital one credit card, i did have a fraud alert on place but i never recieve no call, i did not apply for a credit card with capital one or no other company i call XXXX  to have that inquiry remove from my file and start today my disputed to have the fraudulent inquiry remove from my file.
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from Capital one and sold to this collection agency. I am filing a claim against Capital one as well. I received a notice from XXXX XXXX XXXX. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX and Capital One on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information. I have NEVER did business with Capital One, but XXXX is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from Capital One. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. 

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to XXXX. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
Consumer complaint received 2022-12-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (CA)

I believe I qualify for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The purpose of the fund is to give monetary mortgage relief to qualified applicants who were financially impacted by economic effects of XXXXXXXX XXXX Due to the XXXX XXXX XXXX XXXX XXXX XXXX I was unable to pay my property taxes for XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) paid those XXXX due in the amount of {$10000.00}. The servicer of my XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) claims the amount paid by XXXX is {$10000.00}, but their tax records are inaccurate & incomplete. The mortgage servicer at the time I applied for XXXX was NOVAD Management Consulting LLC. NOVAD sent me a Due and Payable Demand after my XXXX request for assistance. If my XXXX application was approved, funds to clear the debt would have been sent directly to the mortgage servicer, NOVAD. My application was cancelled because NOVAD refuses to participate in the federal mortgage relief program, thus denying me access to federal relief funds that would pay the debt to XXXX in full and remove my property from a Due and Payable status. XXXX was NOVAD 's employer at the time of application, thus denying XXXX a {$10000.00} repayment. NOVAD lost their federal contract to service XXXX assigned XXXX effective XX/XX/2022, due to their incompetence, fraud & extortion, which left my XXXX XXXX XXXX in shambles.
Consumer complaint received 2018-05-25
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. (MI)

XXXX and Experian are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXX has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

The previous lender was XXXX XXXX XXXX until XX/XX/XXXX. XXXX  XXXX XXXX transferred the loan to Mr. Cooper. Prior to the transfer XXXX  XXXX XXXX granted me a forbearance. On XX/XX/XXXX XXXX  XXXX XXXX sent documents that the mortgage loan is approved for a partial claim and to return the documents by XX/XX/XXXX. The forbearance is for the period of XX/XX/XXXX until XX/XX/XXXX in the amount of XXXX The forbearance was executed on XX/XX/XXXX and returned to XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX accepted this document and filed the subordinate mortgage note in XXXXe County Clerks Office on XX/XX/XXXX. The lien is for XXXX and is payable to the Secretary of Housing and Urban Development. Mr. Cooper will not honor the subordinate mortgage lien that was offered, accepted and filed by XXXX XXXX XXXXXXXX and HUD. They continue to say I owe them XXXX Mr. Cooper has been provided with a copy of the subordinate mortgage note and proof of filing but won't honor it. On XX/XX/XXXX, Mr. Cooper sent me a letter that said " Per the XX/XX/XXXX call notes, you refused to pay the funds needed to book the modification, stating that you did not owe the post modification payments. As a result, the modification offer was rejected. The Partial Claim was not booked so there is not a second lien owed to Housing of Urban Development ( HUD ). The account is currently due for the full reinstatement amount. The amount to reinstate the loan is {$11000.00} ''. There is a lien filed and it is owed to HUD. Mr. Cooper representatives called me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanded that I make a payment of XXXX over the phone without any documentation. They would not accept any other form of payment. They stated that was the amount owed for the months of XXXX and XXXX. And I agreed to cooperate in completing the loan modification and if I did not cooperate that modification would be denied. Mr. Cooper has never provided me with any such documentation. In addition, pursuant to RESPA I have sent two " Qualified Written Requests '' to Mr. Cooper one on XX/XX/XXXX asking for the document they refer to as an agreement I signed that says I am required to make two mortgage payments over the phone in order for the modification to be approved. And another on XX/XX/XXXX disputing the " Escrow Review Statement '' where Mr. Cooper is claiming there is an escrow shortage. To date neither of the " QWR 's '' have been acknowledged or answered. My house is under contract and is ready to close. I am unable to sell my property because Mr. Cooper Fraudulently claims they are owed XXXX In additionally the payoff letter is also incorrect. The payoff letter is from XX/XX/XXXX thru the present. The subordinate mortgage lien covered the period from XXXX. Mr. Cooper is also wrongfully claiming escrow advances of {$4100.00}. The only payment made by Mr. Cooper for escrow is a tax payment of {$1200.00} in XX/XX/XXXX.
Consumer complaint received 2022-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. 

I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point.

I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.
Consumer complaint received 2020-02-04
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. (FL)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc. (SC)

XXXXXXXX XXXX  denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. 
I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about me.
Consumer complaint received 2019-03-28
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. (TX)

I contacted XXXX on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted Experian on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OK)

I checked my credit report and realizedI had a debt collection for the amount of {$810.00}. I did not receive 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt.I contacted company and the issue hasn't been resolved.Date opened XX/XX/2017
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.