davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
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. (CA)

I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit XXXX. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received two calls this morning between  XXXX  and  XXXX    XXXX   XXXX   from this company for a  XXXX   XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in  XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!
Consumer complaint received 2017-06-23
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: WELLS FARGO & COMPANY (TX)

Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NC)

I open my account with a financial institution be called Navy many of the banking federal laws are not being followed to my account my accounts are not in uniform code my balances don't have reference numbers they are not provided accurate information in regards to my transactions on my account I have put in several complaints in regards to the laws not being followed I have tried to resolve the issue several times. I have contact Navy Federal over 50 times in the past several months in regards to inaccurate balances transactions and my account not being in uniform code my statements are fraudulent and they have been altered. They need to be immediately investigated I have proof of the statements that have been altered
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Spoke with someone  at Southwest Credit Systems at appr oximately  XXXX  this mornin g (   XXXX   ).  He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the   company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from  XXXX .
Consumer complaint received 2016-01-04
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

The lender continues to contact me at work. As a XXXX I can not continue to be harassed at work. I have already been warn by my supervisor that the phone calls must stop. I informed the lender that they could put my job at risk, her exact response was that they will continue to call until I paid the loan. This has happened before where I have made a payment agreement to pay by a certain date and they called me everyday until that date that was agreed upon. I could lose my job because of these call to my work.
Consumer complaint received 2017-06-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Technology Incorporated (PA)

The exact situation is that I am attempting to contact the collection agency, not the other way around. Agency - Collection Technologies Inc. Student loan debt defaulted, but I am in a position to attempt to resolve the issue. I requested their assistance in XXXX for debt rehabilitation. They advised me to send them information via a form on their website that I would print out, fill in, and mail to them. Since XXXX, I have resubmitted the form with the same information in XXXX, but I have not received a response from them, and my attempts to call them to make sure that they 've received my info, or what the next steps are for the loan have gone unanswered. When I call their number, I only get an automated recording telling me to contact the Default Management Collection phone number. When I call that number, I am prompted to enter my info, and then am told that I need to contact Collection Technologies Inc. There is never a live person that I speak with on either number, and I still have not heard anything from CTI in three months. The debt is being garnished from my wages, but my attempts to resolve the situation feel as though they are being ignored. I want to get the loan rehabilitated and put this behind me.
Consumer complaint received 2020-05-28
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. (IL)

I have 4 accounts total, 1 on Experian, 2 on XXXX and 1 on XXXX   which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.
Consumer complaint received 2017-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been having problems with hard inquiries that I called the companies that did they hard inquiries with no results they had no permission from me to check my credit report, So I contacted  XXXX  and Transunion and they said to bad need to contact the company to dispute I told  XXXX  and Transunion and some of the inquiries I contacted the phone number was disconnected and the company didnt exist so I contacted   XXXX   and Transunion back they said they didnt care and will do nothing they allowed companies to check my credit and   XXXX   Transunion had nothing on file other then my name and still let the company check my credit file.
Consumer complaint received 2017-06-09
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. (CO)

On   XX/XX/XXXX   I called  XXXX  to have them remove a debt that has been reported on my account since   XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record   retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor  XXXX  could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's  Office  of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this de  bt ASAP according to Federal law.
<P/>  Account that is past this 7 year record retention is as follows :  XXXX   XXXX  Auto Finance Acct # :  XXXX  Original start date or reporting :   XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on Trans Union and  XXXX  with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....
Consumer complaint received 2023-01-27
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MO)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. XX/XX/XXXX, {$25.00} was taken but it still gave me a late inquiry
Consumer complaint received 2019-03-02
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. (GA)

The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX   documentation prior to reporting the debt.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

The original creditor is  XXXX  XXXX . They charged off a charge account i had with them and sold the debt to  Midland Credit Management (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I received a letter from  Midland in  XX/XX/XXXX . The y sent me a settlement offer. I settled with them on   XX/XX/XXXX  for {$200.00}. ( Ac ct #  XXXX   ). I spoke wit h  XXXX   XXXX  ext.  XXXX .  XXXX  would not even report that the debt was paid after the chargeoff to either of the credit bureaus. They also are reporting inconsistent information. They have on my credit report for  XXXX  that the account was charged off  in XX/XX/XXXX , but o n my   XXXX   report it shows payments being made after that date. I deny this activity and request that this debt be removed from all   XXXX   credit bureaus. It does n't even have my full account number on the credit report. I need them to give me validation and i need this debt removed due to inconsistent data and incorrect reporting to the credit bureaus.
Consumer complaint received 2023-01-27
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DP OF EDUC XXXX XXXX XXXX XXXXXXXX XXXX -US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When I obtained my mortg age with Charter t hey ( without my express approval ) opened a " free '' checking account in my name. They later unilaterally transferred my mortgage and checking account to their affilia te Citizens B ank and started charging undisclosed monthly fees since the date of the transfer. They never informed me of any new fees associated with their decision, sent me notices of their debits from my account, or offered my the opportunity to close the account. I received a notice on   XXXX   XXXX   XXXX    , notifying me that they had withdrawn all funds in the account and that I now had a negative balance and needed to transfer funds to  Citizens Bank.   <P/> To be clear, I never wante d an account with Citizens Bank, I did not want an account with Charter Bank, and never consented to me being  charged fees.  <P/> Per  Citizens, while they agree that they did waive all " monthly maintenance fees '' the fees charged to my account were a separ ate category of charges called a " dormant account fee. '' Citizens was unable to provide the total amount withdrawn from my account without my consent.
Consumer complaint received 2017-06-09
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. (NY)

I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MN)

Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to repair this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following accounts to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.