davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have tried to reach out to XXXX on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off.

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a 1099-C on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of XXXX on my XXXX credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

XXXX is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with Experian, however because they have a dedicated relationship to XXXX they responded to my individual dispute with them within one day and did not investigate my specific dispute and overrode it with whatever XXXX submitted. XXXX has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

XXXX has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (PA)

Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (WA)

My spouse and I opened a credit card [ ELAN Financial ] in XX/XX/XXXX,  then we went through a divorce inXX/XX/XXXXand the judge divided our debts. This credit card debt was given to my ex spouse, but she neglected to pay it. However, I did not receive any communication from the credit card company or debt collectors as it was under my ex 's name. 

After I saw that this debt was affecting my credit in XX/XX/XXXX, I have repeatedly tried to contact the collection agency [ ELAN XXXX XXXX, XXXX ] but they refuse to discuss the issue with me as I don't have two pieces of identification. They have my name and my SS number, but that is not enough to them to even discuss it with me. My ex lives in XXXX. She says she has contacted the agency and requested that my name be taken off the debt, but nothing has changed. 

This account was closed in XX/XX/XXXX ( I believe ) but the debt keeps showing on my credit reports and affecting my credit very poorly.
Consumer complaint received 2020-07-29
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)

Experian is willfully refusing to investigate and remove fraudulent items on my credit. 
They are not knowingly reporting items that have been identified as fraudulent by police report with items listed, cfpb report, notarized statement and all required identifying documents my identification, social security card and driver license. This information was initially submitted to this company on XX/XX/2020 via certified mail and on XX/XX/2020 via CFPB complaint. Company claims that appropriate information hasn't been provided. I have provided all required documentation and Experian is using stall tactics to not follow the credit reporting rules. I have attached all evidence as it relates to this case as well as a complaint to the Attorney General and the XXXX XXXX XXXX.
Consumer complaint received 2020-07-28
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. (IL)

Experian and XXXX have been reporting these fraudulent accounts under my name. 

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX CARD is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (CA)

Upgrade has completely ignored my request to remove inquiries that should not be long on my credit and has lied in stating that I have on my second application with them after failing to find an alternative way to identify myself and simply seems to be collecting data of bars while negatively affecting their credit reports with no intention of ever loaning any money. I have reached out to shovel officers of the company on XXXX and was blocked by then. This level of customer service seems to be typical with online platforms That promise low interest rates and virtual guarantees to steal business from traditional banks with no intention of ever for filling the loan. This deceptive advertising negatively affects consumers and now I am in a position where my score is dropped and Im unable to obtain the loan.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX XXXX this account must be removed from my credit report immediately.
Consumer complaint received 2022-03-02
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. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

BBVA recently bought Simple bank, and since the transition Ive lost access to all of my money along with every simple bank customer that was included in the transition. Im currently struggling to budget {$20.00} in cash because of this for the past 2 days & all of my money goes into this account so it is urgent i unlock it to pay my bills & for essentials. They claim the call center would be opened today too for us to call but were all getting the same voices who claim they cant hear us and hang up every time we get connected
Consumer complaint received 2020-07-29
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

XX/XX/XXXX, cancellation of PMI was requested. I have not received any information regarding my request. I requested that my account be created since I am a survivor in interest on the account. I have no means to log into my account and check any balances. This is the worst mortgage servicer!
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I had to consolidate my student loans with Fedloan Servicing to participate in the Public Service Loan Forgiveness program.

My account shows that I consolidated with them on XX/XX/XXXX. Payment records on Fedloans website shows a payment history beginning on XX/XX/XXXX. In order to qualify for the loan forgiveness, I must make 120 payments. I have made 44. They are saying I have only made 27. According to Fedloan, this past year has not yet been calculated, however, for the past three years, I have been arguing with them over what they are considering qualifying payments.

Including the past year they claim they have not calculated yet, I have made 44 payments and they are saying Ive only made 39. They have said they have disqualified the uncounted payments for the following reasons : I made two payments too close together. Both were disqualified. This is false. I get emails saying when my payment is due. Then I go on to their website and make the payment. Ive never paid when the payment wasnt due. I would be unable to as the amount in the box would be XXXX. In order to rectify this, they asked I make a payment over the phone. I had already made my payment that month, but they asked that I make a second payment taking me out of the pay ahead status. This was done on XX/XX/XXXX. However, those two payments are still not showing as qualifying payments. ( That is two payments not counted. ) They then said one month I paid a few cents too much and another month I paid a few cents too little. This is impossible because I use their internet site and phone app to make my payments. The amount I owe is auto populated. I do not change the amount. I only click on the date and click on my bank account and then submit the payment. It makes no sense whatsoever to change the auto populated amount by pennies. ( That is an additional two payments not counted. ) Another month they claim I was on deferment, which is false. ( That is one payment not counted. ) That brings to total count to five payments they claim are not qualifying payments.

I have disputed this with them on multiple occasions over the years. I have spoken to supervisors as well as other agents. The supervisors have been rude with one telling me that there was nothing they would do for me and to call the media and my local government representative. She went on to say that I wasnt going to win in a fight against them, laughed and then hung up on me. I have researched their practices and have sadly discovered that I am one of thousands of people they are scamming with the Public Service Loan Forgiveness Program.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery constantly calls me. I have told them numerous times to stop calling me. They get very rude when you tell them to stop. They spoof the numbers they call from. When you attempt to call them back on that number, someone else is getting my call and has no idea what is going on. This is horrible how they solicit using other peoples information.
Consumer complaint received 2022-11-02
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. (GA)

I sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people. 

This is a clear violation of my Federal protected consumer rights!
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (KS)

On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled for a mortgage pre-approval request. On XX/XX/2022, I sent a debt validation letter to Merchant Adjustment Services via certified mail. On XX/XX/2022, I received a letter from Merchant Adjustment Services. Contained in the letter was not a validation of debt, rather, I received a list of the medical records in direct violation of XXXX regulations. I never signed an authorization allowing access to this information.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

To whom may he/she concern, I received a letter in XX/XX/XXXX stated that I opened an checking with Santander. I immediately call the customer service center at XXXX then spoke to representative XXXX at XXXX XXXX. I told him I did not open any checking account and he said he will close the account since I did not authorize. On the letter, the checking account number is XXXX. 

I waited for 2 weeks and I did receive any closing statement so I call on XX/XX/11. The Santander bank Fraud dept, XXXX said to me no one close the account or created one. I was very mad in my mind that what kind of service is this. So I ask XXXX XXXX to create one for me and he did. The case file no. Is XXXX. 

I am very concern if someone will use my identity again and open accounts without my knowing. Please help me with this situation. Thank you very much.
Consumer complaint received 2020-07-28
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-07-22
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. (GA)

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (TX)

We purchased a used Harley Davidson motorcycle in XX/XX/2016. I have often signed into my online account with Harley Davidson Financial and scheduled my payment for a date later than the due date. I do this prior to the date the payment is due. Well, the due date is the XX/XX/XXXX ... ..starting the VERY NEXT DAY, I begin getting multiple calls every day asking about my PAST DUE account. Every time, I tell them to check my account ; I have scheduled the payment for later. Every time, they ask why. Every time, I tell them it's because of how my paychecks fall. My scheduled payment is normally 7-10 days after the due date, so it's not like I am skipping a whole month 's payment or anything. I just don't understand why they have to REPEATEDLY call me when they can plainly see I have scheduled the payment. They have no leg to stand on anyway, as my personal banker explained to me that even if they say there is no " 10 day grace period '', by law there is one. They are not supposed to call you until that 10 day grace period is up, but regardless, I have a scheduled payment. There should be no calls to my work or cell phone, much less multiple calls every single day until the scheduled payment has been made.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase ( Chase ) withdrew money from my mortgage escrow account to pay unsecured property taxes that were at no time my legal responsibility under California Law. The taxes in question were unpaid supplemental property taxes owed to XXXX XXXX of XXXX by the former property owner ( NOT ME ) and were not secured by the mortgaged property. Chase had no valid business reason to pay this property tax bill with my money, let alone without my knowledge or consent, and I will not be held financially liable for their careless mistake. Chase owes me a full refund in the amount of {$750.00} as complete reimbursement. Nothing in the mortgage I signed requires me to pay someone elses debts and I will not do so here. 

Below is a timeline of key events : On XX/XX/XXXX, XXXX XXXX XXXX XXXX notified me that XXXX XXXX of XXXX had moved to the unsecured roll unpaid supplemental property taxes, which XXXX XXXX had categorized as Secured erroneously. 

On XX/XX/XXXX, JP Morgan Chase ( Chase ) became the servicer of my mortgage, including escrow account. 

On XX/XX/XXXX, Chase paid " delinquent '' taxes to XXXX XXXX of XXXX using funds in my escrow account. Total amount withdrawn : {$750.00} On XX/XX/XXXX, I noticed the inappropriate escrow transactions while scheduling my mortgage payment. I contacted the property tax department and spoke with a representative named XXXX. I explained to him that I did not owe the taxes Chase paid and there was no unpaid, secured taxes due on my property. He opened a ticket and stated Chase would respond after an investigation. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with a representative named XXXX XXXX. She indicated the allowed review time had not passed and there was no update. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with an individual named XXXX XXXX. She indicated the ticket had not been addressed and that she would escalate it. She noted that I should follow-up later in the week. 

On XX/XX/XXXX, Chase mailed me a letter stating we found that your account is in good standing and that there is no refund available for the [ ] parcel ( XXXX ). This is an unacceptable conclusion. Chase made a clear error and is financially responsible for returning the money withdrawn from my escrow account inappropriately.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

I received an alert on my experian account that a collection was added to my credit report by CBE Group XXXX XXXX XXXX XXXX XXXX, IA XXXX. There was a payment on my XXXX XXXX account for {$70.00} on XX/XX/2022 confirmation # XXXX. There was also another payment made on my account for {$91.00} on XX/XX/2022 confirmation # XXXX.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (UT)

The company in question was aware that I had moved out of the property. I sent them several communications and was promised to be contacted in regards to the matter, however, no contact was made. 
Over 2 years later, and I get a notice that they've put my account into collections without notifying me. Aside from that the collection agency told me that company in question informed them that I had filed bankruptcy, which had never happened. This is completely asinine that I have to now take time out of my work day to resolve an issue that would and should have been dealt with 2 years ago.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filed my taxes through the mail for my XXXX XXXX XXXX and received them. Now I'm getting credit card requests in my new email account I made through XXXX because all of my XXXX accounts were and are hacked.