davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC (CA)

I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Company 's Response ear Mr. XXXX : We received your complaint from the Consumer Financial Protection Bureau ( CFPB ) regarding account XXXX. Further review of the account confirms it is " paid in full by claim. '' The account has been marked closed and flagged for no further communication. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions. Our offices can be reached at XXXX ; Monday-Friday from XXXX XXXX XXXX ( PST ) and Saturdays from XXXX XXXX XXXX ( PST ). Sincerely, Customer Service Activate Financial , LLC. 

My complain is PEAKS Loan is still asking me to repay this loan even after this loan have been paid in full looking at the response above. My credit score is been impacted by this loan. PEAKS have been avoiding my calls after trying on multiple occasions to fix this problem.
Consumer complaint received 2023-06-13
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)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (LA)

I've been watching Experian play around with my credit score for years. It's clear their system is rigged against the consumer! I don't understand why they're allowed to control and manipulate something that dictates whether people can get loans, make purchases, and/or how much interest they will pay? Seems logical that they have some sort of incentives to do keep scores down.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

PHH Mortgage XXXX  have not furnished verification to my concerns about their jurisdiction over my complaint against XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates Series 2005-WCH1 and Ocwen Loan Servicing . In addition, PHH Mortgage XXXX HAVE NOT addressed in detail explaining their jurisdiction over my foreclosed account with the Trust of my property:XXXX XXXX XXXX, XXXX , PA XXXX and my Qualified Written Request for information, including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series 2005-WCH1 and all notes that should have been properly indorsed each time they were transferred.
Consumer complaint received 2018-08-20
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX, XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XX/XX/18 XXXX XXXX XXXX  XX/XX/18 FIFTH THIRD BANK XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
Consumer complaint received 2023-08-01
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. (WI)

I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the Hard Inquiries that does not have any purpose on my credit.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CA)

XXXX Removed the posting as a result of my efforts in XX/XX/2018. ( CFPB claim XXXX. ) Diversified Consultants the assumed collection rights for debt as directed by XXXX XXXX. Diversified reposted the debt to all agencies with no validation efforts after XXXX willingly removed the posting This would be reselling of debt to another 3rd party debt collector. A violation of the Dobb Frank Act.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2020, I opened a new checking account at Simple. Followed the instructions provided to link an external account to transfer funds into this new checking account. 
I also followed all instructions to provide proof to verify the linked account. 
The I transferred {$55000.00} into this checking account from my external linked account. 

In order to take advantage of the 1.00 % APY, I opened a Savings Goal account in Simple. Trouble started after this. 
I was not able to move any money into the savings goal account, with no explanation provided as to why. I notified support and I was given no response for more than a week. After multiple notifications to request answers, I was told I had not verified my external linked account. When I provided proof that I had indeed verified, they again stopped all communication. 
It has been 1 month since this and now, they have frozen my account, denying me access to my {$55000.00} completely. No one seems to know what is happening, except my hard earned money is stuck within their system. 
Repeated requests only get a response that they are working on it, but for the last one month, there is no evidence of any progress on whatever they are working on. 

On XX/XX/2020 I requested to close my account and initiated an ETF to transfer all my funds out. This was also denied. They cancelled my ETF request with ACCOUNT FROZEN and no further explanation provided. 
The bank has so far, refused to work with me to solve this, and deflects any request for help.
Consumer complaint received 2017-12-23
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. (LA)

OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
Consumer complaint received 2020-11-06
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. (FL)

I am applying to refinance my mortgage in XX/XX/XXXX. New creditor has asked me to provide a letter of explanation for a " business '' listed on my EXPERIAN credit report ( pulled on XX/XX/XXXX ) that is loosely connected to my current address. 

I have no knowledge of this business. The address they show this business connected to does not include my unit number, so it is not strictly connected to my actual address. Upon research with my state 's Secretary of State website, the entity does not appear to even be a business in this state. Upon further research, the " business '' appears to be an individual 's name followed by a prefix. I do not know this person but whether this is a name or a business, it should not be connected to my personal credit record.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (KY)

I sent XXXX XXXX XXXX a request to validate debt. Today I received a letter back, but from XXXX XXXX XXXX sending just a copy of an old XXXX XXXX bill as validation. I also requested the information regarding who owned the debt ( no answer ), to provide a copy of their agreement with the original creditor ( no copy ), all statements for the account while it was open ( none sent ), I feel they did not provide sufficient validation.
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there.  The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX  County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it.  The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (GA)

Got an alert from XXXX XXXX changes of changes to my credit report on XX/XX/2024, pulled my reports from MyFico.

I called Experian and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Consumer complaint received 2020-08-02
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. (NC)

I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that XXXX and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.
Consumer complaint received 2018-06-25
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: ENCORE CAPITAL GROUP INC. (MN)

I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX  account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was XXXX XXXX  ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.
Consumer complaint received 2020-08-02
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: United PanAm Financial Corp. (MD)

This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, United Auto Credit is still  reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And United Auto Credit attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with XXXX and their response is that United Auto Credit said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against XXXX and United Auto Credit ( again ). Regardless of the category of this claim. United Auto Credit should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, United Auto Credit is blatantly violating the Fair Credit Act and in plain site.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX  XXXX  Account XXXXame US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-06
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. (CO)

In XXXX, there were federal student loan amounts borrowed on my credit report and I was not going to school or borrowing for student loans at this time. And again in XXXX, I elected not to borrow and my credit report states that I borrowed a {$1000.00} that I did not. XXXX XXXX  XXXX XXXX appears to have access to my credit and I can not imagine who else would be taking student loans in my name that are not me, since I never see the money. Somehow I owe {$85000.00} for a degree that I have not finished. At least {$35000.00} XXXX and this is on the conservative side ) of the loans on my credit report are not mine.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

The number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES Another number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES I HAVE BEEN ON THIS LIST SINCE 2003. I HAVE ALREADY ASKED THEM HOW DID THEY GET MY NUMBER THEY WON'T TELL ME. IN FACT THEY SHOULDN'T HAVE THIS NUMBER PERIOD. I DON'T GO INTO THERE PLACE OF BUSINESS AND DISRESPECT THEM SO I REQUEST THE SAME.
Consumer complaint received 2021-03-07
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. (NV)

Experian is incorrectly reporting information on my consumer file that is impacting me tremendously. My credit scores are and have been impacted. The XXXX XXXX XXXXXXXX XXXX has stated in writing that they do not report information to the Credit reporting Agencies. The Credit Reporting Agency insists that the Creditor is the one providing this information to them directly which is false. Due to this I am requesting for this account to be removed from my Credit Report immediatley!
Consumer complaint received 2018-12-28
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. (CA)

In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless
Consumer complaint received 2023-06-13
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.