davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
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: Nelnet, Inc. (CA)

I mailed certified letter to Department of Nel net student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

XXXX XXXX XXXX.,  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, sent me a collection letter ( ref. Client Acct. # XXXX ) for a debt I did not owe. Further, XXXX sent this letter to my new address indicating it fraudulently accessed my credit information without authorization. It also used my personal information to acquire my contact number and send me harrassing phone calls.
Consumer complaint received 2021-02-01
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. (AL)

on XX/XX/2021 XXXX submitted a " remark '' to the three credit agencies which caused my XXXX score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact XXXX. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I opened an inquiry against Experian # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against XXXX XXXX for services not rendered for the amount of {$1000.00}. ( XXXX XXXX it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, XXXX according with Experian stated XXXX is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
Experian is aware of the dispute on this account instead to correct it and remove it Experian made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its Experian website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and XXXX XXXX for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.
Consumer complaint received 2020-08-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NC)

I have a VA loan with Caliber Home Homes based in Texas for my primary home. I received a Uniform Residential Loan Application on XXXX XX/XX/2020 with all of my personal information ( soc security number, date of birth, home address, loan amount, type of loan ) in the mail, signed and asking me to initial and sign for an UNAUTHORIZED refinance I did not consent to. I have received numerous phone calls ( 4 in one day ) from different phone numbers followed by emails XX/XX/2020 on a consistent basis from XXXX XXXX at Caliber home loans ( almost harassing ) in regards to refinancing my VA home loan with Caliber Home Loans. I have not inquired nor given consent for contact about a refinance loan. As a military veteran this is appalling that a company would try to take advantage of consumers, trying to force and obligate them to any unwanted or solicited refinance, products or services. I have contacted the company several times asking them to remove me from outgoing solicitation for refinance, no resolve.
Consumer complaint received 2023-01-31
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. (NY)

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I was denied online access to the tax forms for my mortgage account. When I contacted Fifth Third bank, they said the reason was I'm listed as a 2nd signer on the loan, after my son. They would only grant online access to tax forms only to the primary signer ( my son ) and not to a secondary signer like myself. My son had never registered for an online account with Fifth Third. I'm the one who had registered for the online account and I've been paying the mortgage monthly. 

They said they can mail the requested tax form to me, so implicitly they acknowledged that I can have access to the tax form. The bank just arbitrarily decided to not allow me to access the forms online.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC (GA)

I received a letter from Activate Financial in XX/XX/2021 advising of a debt owed from the original creditor, XXXX XXXX. I responded to the letter within the required 30 days and requested that the company validate the debt. My letter requesting validation was received by Activate Financial on XX/XX/2021 via USPS tracking number XXXX. The company did NOT validate the debt. There was no response to my letter. The company just recently mailed me a settlement letter dated XX/XX/2021. My validation request letter clearly stated that if the company does not validate the debt within 30 days, then all attempts to collect the debt must cease. The settlement letter is against the Fair Debt Collections Practices Act as the company did NOT validate the debt within the required 30 days from when they received validation request letter on XX/XX/2021. I am filing this complaint with the CFPB. I am also pursing the issue legally with an attorney. Documents attached.
Consumer complaint received 2021-06-07
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. (DE)

I have seen multiple credit inquiries on my Transunion and XXXX credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, and XX/XX/XXXX XXXX checked my credit but no services was extended inquiries shouldn't be furnished on my report.
Consumer complaint received 2022-07-21
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act 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 2020-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

To whom I concern, I would like to inform you that the debt collection company Midland Credit Management with the accounts XXXX and XXXX has been calling me on several occasions and the last time telling me that they are going to put him in a lawyer to enter my bank account and take my money. When I let them know that now I have not been working for 8 months because of the Covid 19 pandemic.That unemployment money has been surviving paying for food, housing, and medicines but these people I don't understand. Please I need you to contact them and they can help me. At night I can't sleep thinking about all this and my son is asthmatic. 

Company information : Midland Credit Management Location : XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX Telephone : ( XXXX ) XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (TX)

I have been frequently called regarding a debt address to an individual by the name of XXXX XXXX over the last several months starting in XXXX. I have called back several times to disclose to Valentine & Kebartas that I am not the individual whom they are calling about. They often use spoofed local numbers to bypass my scam call detector from XXXX. The frequency which they call me is every two weeks on Monday. To date they have not removed my number despite my requests.
Consumer complaint received 2019-11-14
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (FL)

On XX/XX/2017, in XXXX XXXX County Court, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( XXXX XXXX XXXXXXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2020-10-19
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. (TX)

I have wrote and disputed the same item by " XXXX XXXX XXXX '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against Federal Law. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, XXXX XXXX XXXX, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. Experian refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (LA)

I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Consumer complaint received 2021-02-01
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. (NJ)

Several times the XXXX account and some XXXX account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX is not properly reporting to the credit agencies. The account has been paid they have been listing the account as in a derogatory status. This account was paid back in XX/XX/2016. This account should be reporting as paid
Consumer complaint received 2021-02-01
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. (OH)

I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}. 

I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid. 

I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes. 

XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle. 

In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.
Consumer complaint received 2021-06-07
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: Tower Loan of Mississippi, Inc. (MS)

I have made several attempts to contact each and every company after someone applied for credit using my social security number with the following companies. I noticed unauthorized inquiries on my credit report. 
Tower Loan XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And a auto loan was applied for through several different lenders on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (ND)

I have tried repeatedly over several weeks to obtain a credit report from Experian, as well as some of the other services they offer. They send me e-mails indicating I have membership ID XXXX, yet when try to log into their system, I get incorrect user ID or password over and over. I have reset my user name and password 5 times and I still can not log in. What is most frustrating, is that I believe the log in issue could be easily resolved in 5 minutes or less if they had a real live person you could talk to. Instead of that, they have an automated voice system and no e-mail support. 

I was recently turned down for an account with XXXX because of adverse information on my Experian report, while at the same time XXXX and XXXX are reporting excellent credit with a FICO score of XXXX out of XXXX. 

How can I fix a problem on an Experian report if I can't even get to it? Experian needs to have real, live customer service representatives available 18 hours a day, 7 days a week. 

In addition to this complaint, I will also be filing one with the XXXX XXXX XXXX  and the North Dakota Consumer Fraud Department.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.
Consumer complaint received 2022-08-17
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'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}