davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX  bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Consumer complaint received 2023-01-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX XXXX  I submitted documentation to have items removed from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

Hello, I am contacting you in regards to my mortgage acct with Freedom mortgage. I have been struggling with this company now since XXXX I filed chapter XXXX Bankruptcy XX/XX/XXXX prior to that I was working with Community Development with the City of XXXX to get a loan modification during this period of time NEVER helped me they were always missing forms ( There is no decision yet they are still confirming that we sent everything that was needed for the underwriter. ) so I was at my final days and I filed bankruptcy this year in XXXX The mortgage company has filed a Motion for Relief from stay, I was able to obtain a stipulation and was required to make payments to catch up this was finalized and i am still having issues with payments not being applied correctly. Now my current statement show that I owe XXXX payments are being miss applied. 

I am on this loan with XXXX XXXX, who did not file bankruptcy and they refuse to speak with her in regards to the loan, my chapter XXXX attorney states she has nothing to do with the fees going forward after the bankruptcy was approved and the stipulation is in place. 

I need help, I am not allowed to speak to any one there due to the bankruptcy, what can i do from her this is my 4th round since XXXX I do not want to lose my home!
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX  accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I received random phone calls from the phone number : XXXX stating they were National Credit Adjusters and that I owed them {$500.00} for a online loan on XX/XX/2019. 
They were demanding payment from me and wanted me to verify my bank information. 
Also wanted me to email them information to them at XXXX XXXX
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (MD)

XXXX XXXX XXXX received all of the information needed on a stolen vehicle from in XXXX & XXXX but kept billing us late charges, fees, etc and claimed in the month of XXXX they did n't receive anything. We also did a conference call with the insurance company XXXX XXXX with XXXX XXXX XXXX which was recorded. The investigator from XXXX XXXX asked the XXXX rep if they have all of the Gap insurance information for their claim and she answered yes. They contacted us in XXXX 2017 and claimed they never received anything and sent us more forms we notarized and sent back and they still are billing us and sending us letters and statements about fees and extra charges. The insurance company paid them over {$16000.00} + but they are still trying to milk us. The auto dealership, XXXX located at XXXX XXXX manager stated they do this in order to drain you of more money, and they do it all the time to consumers. He sent them the information for a rebate of the protection package which was included over {$200000.00} financing at the time. The company XXXX was sent {$90.00} from that. They were already paid more then what the car is worth a XXXX XXXX XXXX and they are used to ripping consumers off for more. Tragedy! Somebody please help! These businesses make a living draining the consumers pockets! Every time we spoke to them even after the card was paid off they claimed we owed them more money before it was even settled.
Consumer complaint received 2023-01-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone keeps trying to open a credit card work my information through Bank of America ( BOA ). BOA keeps running my credit even though I've told them I'm not doing this...
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MO)

I am reporting identity theft. I checked my credit today and it dropped XXXX points from XXXX to XXXX. My husband 's score is XXXX and we share all the same accounts, so this raised major red flags. I can see on my XXXX XXXX account through XXXX that there is outstanding debt from XXXX XXXX XXXX. The collections agency is AMSHER COLLECTION SE. I have never been a customer of XXXX XXXX. I only have XXXX long-standing credit card accounts with XXXX XXXX, XXXX, and XXXX. Never XXXX XXXX. It appears the credit debt was sold to AMSHERCOLLECTIONSERVICES and that I owe {$440.00}. I have never been contacted by this company either via in person, mail or email. This Amsher Collections tried this same tactic back in XX/XX/year> where they claimed I had debt from XXXX, another company who I have never had an account with ... for the same {$440.00} debt. I filed a complaint to the Federal Trade Commission ( FTC Report Number : XXXX ) in XX/XX/year>.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

" I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 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. 

WELLS FARGO DEALER S Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NC)

I have tried multiple times to get XXXX XXXX to remove the account from my credit report because I no longer owe on the account and have a letter from them from back in XX/XX/2018 stating so. i need the credit bureaus to update.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (VA)

XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch. 

In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

- In XXXX, I called Nelnet to let them know I was going to take one class in the summer and would go half time in the fall. They advised me that they would " place my payments on hold '' and that would keep my payments on hold but accumulating interest until my I went back to school at least half time. 

- During the summer, I took 1 class. 

- In XXXX, I called them back to let them know I had started classes again in the fall just as I told them in XXXX. I started classes half of the time on XX/XX/19. To my surprise, they told me I had been delinquent for over 90 days as the school had reported in the summer that I was attending less than half of the time. I explained this was correct but in XXXX when I called I had been placed " on hold '' accumulating interest ( forbearance ) until the fall that when I was going to enrolled in a half of the time status. So pretty much what they did is that the 1 class I took over the summer had overridden the " forbearance '' they argued back and forth and explained what all the " hold '' terms meant. They blamed the school for providing wrong information. I explained the information was not wrong but Nelnets failure to proceed as they should, caused this confusion. 

- The reported a 90 day past due to the credit bureaus for all 15 accounts and ruined my credit from the high 700s to the lows 500s! 

- The provided me erroneous information in XXXX, they ignored and bypassed this request despite my call. They did have record of the call but no " enough '' documentation.
Consumer complaint received 2019-10-30
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. (TX)

I HAVE FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING XXXX   ... ... ... ..
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc. (GA)

Called Med Data Sys on XX/XX/15 to pay a balance they claimed I owe. I requested that the debt be deleted from my report once paid, the agent I spoke to XXXX ( ph XXXX x XXXX ) and she advised that they would delete it from my file. I paid the outstanding balance in full of nearly {$4000.00}. I called back to confirm that this had been requested and was advised that " they do not do that. '' I asked if calls were recorded, I was advised they were. I asked if the call could be pulled. XXXX ( ph XXXX x XXXX ) advised they are not doing that. 
I was mislead and lied to.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used.
2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (TN)

I received a collection notice stating that we owed {$140.00}. I request proof of the debt. The collections agency sent me a copy of the original bill. I responded that I would like to see a complete statement of our account as we PAID the hospital {$1100.00} on XX/XX/2019, based upon their estimated bill after the expected insurance payment. On XX/XX/2019, the Hospital REFUNDED {$550.00}. Our thoughts were that we paid based upon an estimate, and after all the insurance settlements, we actually overpaid. I requested a statement of the account that shows what we paid, what the insurance paid, and what the remaining balance is. We can not understand how the hospital can say we were delinquent when they gave up a refund. The agency responded to our request for a statement with a letter threatening to report us to the credit bureaus.
Consumer complaint received 2020-05-20
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. (GA)

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report on XX/XX/XXXX and listed as fully discharged on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TN)

I am in the middle of a refinance transaction with NewRez. They are the current servicer of my XXXX loan. I chose them over other options but as soon as I stopped " shopping '' and signed the loan estimate with them, they became completely unresponsive. XXXX was great and I enjoyed working with him. I'm not sure what's going on. 

I've paid for an appraisal and am currently on a rate lock through XXXX. However, when i asked about floating down to a lower rate, my loan officer went ahead and moved me down and added a point to my loan scenario. Previously he's encouraged me to sign loan scenarios, stating that he'll be able to credit me for the cash it shows me bringing to closing at the end of the process. I took him at his word the first time but am starting to get uncomfortable with promises and am not getting answers. I followed up with him daily for 2 weeks since XX/XX/12 when I reached out to him with my concerns and questions. I have not heard back. I've also reached out to the loan processor and my loan officer 's boss. No responses there either. I then called customer service on Friday and again this morning and they sent out an " alert '' to everyone on my account and their supervisors. Still nothing.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

An account was opened unbeknown to me with Comenity Bank and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.
Consumer complaint received 2019-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.