davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on 1 of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.
Consumer complaint received 2022-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Hello, I am leaving this review about the company because they've harassed me by call me between the hours of XXXX as stated by Washington state law ( code : Wash. Rev. Code 19.16.250 ) that they can't do. Also, they have stated that a confirmation email provided by the company says that I did pay XXXX of the alleged XXXX isn't enough sufficient evidence. They also keep calling me and emailing after I've asked them to stop. Also, they added {$6.00} as interest from them from the initial {$320.00} that they allege that I owe ( which I don't think they're allowed to do ).
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: T.S. Holdings (AZ)

This company continues to report inaccurate information concerning a property I once occupied. I have attempted to resolve this misinformation with the company and its agents, however I have been met with total disregard, dismissive and threatening language suggesting they will continue the assault on my credit until I pay the outrageous unjustified amount of money that I do not owe. I have contacted the property manager who was also the manager when I lived there, I was told I dont have a remaining balance due, I also reached out to the Property Management Company who reported there are no current nor past debts with my name, unit number or Social Security number. I have and continue to suffer from homeless insecurities because of this inaccurate reporting. I need help fighting this company that seems to enjoy being malicious and playing god with the lives of others. I believe there are others and if they have suffered the emotional pain and constant fear of object homelessness I suffer from this company, something needs to change. Their perceived power needs to be met with enforcement of our government protection agencies. Im helpless against them.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital one has not applied my payments to my accounts. XX/XX/2023 a payment of {$930.00} on one account and {$2000.00} on another account. On XX/XX/2023 was the last date I mailed in 3 payments of {$5000.00} on the 2 accounts that weren't applied on my accounts and was sent certified mail with my payment coupons. Still no actions from them to apply my payments to my principal account. They never sent back any payment coupons that I sent in, nor did they apply any of the coupons to my account. If they didn't send them back then they have accepted them and have yet to apply the payments to my account. The negotiable instruments have been filled out and endorsed by me the living being.
Consumer complaint received 2018-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I'm actively fixing my credit report with a counselor. I'm following all the rules by 3 credit bureaus. 
EXPERIAN confirms getting my ID information which they asked for but then won't allow me to dispute any info and keeps asking me to verify my identity AGAIN by sending them the same info I already did OVER AND OVER EVERY 2 MONTHS!! 

It WON'T LET ME UPLOAD ID INFO TO THEM VIA THEIR WEBSITE EVEN WHEN THEY SAY I CAN AND PROVIDE THE WEBSITE PORTAL .. -- doesn't work at all ... ..they WON'T LE ME EMAIL IT. 
I send it to them via snail mail & certified mail, THEY CONFIRM they got it but then when I FILE A DISPUTE & SEND THEM THE PROOF their response is to ask me for my ID/verify MY ID AGAIN.! 
I CANT REACH THEM BY PHONE I CANT CONTACT THEM VIA EMAIL THEY DON'T RESPOND ONLY ASK FOR ME TO VERIFY MY IDENTITY BY SENDING THEM the same info I ALREADY DID the prior month. I CAN'T EVEN FREEZE MY ACCOUNT CANT GET THEM REMOVE ANYTHING ON IT NOR GET THE SCORE UP B/C OF THIS CYCLE OF MADNESS IN VERIFYING MY IDENTITY FOR MONTHS ON END.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am resubmitting this complaint # XXXX because the Bank of America Regulatory Complaints Department is not responding to numerous messages i left them. The only response i received was an email stating to call the company at the following number ( XXXX ) XXXX XXXX. I called this number numerous times and left messages to call me back. I have not heard from anyone at this company. Please reopen this complaint as the company is unresponsive. 

Detail of original complaint : In 1995 I deposited proceeds of {$11000.00} from my XXXX XXXX with XXXX XXXXXXXX XXXX in XXXX Connecticut XXXX. I don't remember if the money was placed in an annuity or an IRA account. I moved from the area in XXXX of XXXX. Most of my financial records were lost in a flood and I do not have a record of the account. After some investigation I found that XXXX XXXX became XXXXXXXX XXXX and then Bank of America. The last I checked with XXXX XXXX they told me this account was given to an insurance company. I recently tried calling Bank of America they were unable to find the account by searching by my social security number. I checked with the XXXX  unclaimed funds and there is no record it was escheated to the state. I have a deposit ticket from a different account I held with the bank when it was XXXX ( see attached ). I do not know where this money went.
Consumer complaint received 2022-08-26
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. (TN)

In sight of recent investigations brought upon Experian, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Experian of their duty pursuant to 15 USC 1681. It appears Experian intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. in XXXX and XXXX of 2022, I made a dispute to Experian to verify some of my accounts. They were supposed to do a clear investigation, which they did NOT do. Most of everything on my credit report came back verified. Did Experian conduct interviews? Who did Experian talk to? Did Experian interview my friend? What was the procedure like? Send me the proof. Please send procedure of the investigation. In order for credit bureaus to conduct an actual investigation of the accounts that are on a consumer report that the consumer is disputing, they have to conduct an investigation a certain type of way, which is taking interviews from neighbors and friends about the information thats being disputed pursuant to 15 usc 1681a ( e ). 15 USC 168li ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. Experian has failed to provide a 100 % accurate investigation for the accounts that are on my credit report. None of the accounts on my Experian profile can prove I owe a debt. Experian couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Experian consumer report. I made a call as another attempt to have these errors corrected on my consumer report. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX US DEPT. OF EDUCATIO ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

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 Pursuant to 15 U.S.C 1681a ( 2 ) ( 15 u.s.c 1691 ( a ) ( 3 ), 15 u.s.c 1691a ( e ), 15 u.s.c 1691 ( e ), 15 u.s.c 1642, 15 u.s.c 1681M, 12 CFR 1002 there should be no transactions reported onto my credit report. This includes late payments. 

Experian never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Experian to furnish or create any report. I never consented to any account on my report on the first place. 

15 U.S. Code 6821 Congress made it clear that Experian assumed the role of a financial institution through association.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lincoln Educational Services Corporation (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2022-08-26
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. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, XXXX XXXX Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX XXXX Experian written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-09-16
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (OR)

Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. 

XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. 

When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. 

My concern is for the thousands of others crushed by student loan debt who they may suffered. 

XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )
Consumer complaint received 2022-08-26
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (NJ)

Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted
Consumer complaint received 2022-02-23
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. (LA)

i submitted dispute to experian to dispute fraudulent accounts that was listed on my credit report, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX. There results came back that information was verified, i contacted each of the above creditors, how ever neither could verify that i had an account with them so how did experian investigation come back verified.i requested information as to how these accounts were verified cause they because they were not.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

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.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I financed my latest XXXX vehicle with Infiniti finance. I paid the vehicle off in XXXX of this year but have not received the clear title. I have called the customer service line numerous times and I am still being told that the title had incorrect information and they are trying to get a new title from New jersey motor vehicle. After almost 3 months and several calls, I just need my title so, I willing to get it myself from Motor vehicle. The issue is that Infiniti will not send me a lien release which I am intitled to. it has become very frustrating, and no one seems to be able to get me this document. I would greatly appreciate any help in this matter. I only need the lien release so I can get my title. 

Here is the information for the loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-08-26
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: Rocky Mountain Capital Management (TX)

In accordance with fair credit reporting act rocky mountain capital management and office of attorney general has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-08-26
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. (NJ)

I requested full validation of the debt And the original contract with companies listed below I haven't received any validation XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX