davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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. (MI)

XXXX XXXX came to my door and asked for my SS # to pull my credit in 2019. I refused. I found out later, via an alert on my Experian credit report, that they had somehow still pulled it without my permission and without me providing my SS #. 

Experian refuses to remove the hard credit inquiry, which hurts credit scores, from my credit report. Experian is violating federal law. 

Hard inquiries, whether they're requested by a lender or landlord, can only be pulled with your permission. 

XXXX  credit inquiry was a hard inquiry. I did not give them permission. I never even initiated any type of contact with XXXX. Experian needs to remove the credit inquiry from my credit.
Consumer complaint received 2019-11-16
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has violated my rights under 15 U.S. Code 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 They continue report late payments when its illegal to do so
Consumer complaint received 2021-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My home equity line of credit with TIAA bank was recently handed over to XXXX for XXXX While still under TIAA, I was able to make payments online to both principal and interest any time I wanted. Now that XXXX has switched over to XXXX, I have only once been able to make a payment online. Every other time, I have had to call them, wait on hold for at least 20 minutes each time, and have often been given incorrect information about my ability to make a payment. 

Here 's the timeline : XX/XX/2021 - I received an email stating that my TIAA HELOC would be transferred to XXXX for XXXX XXXXXX/XX/2021 - received an email stating that I had a new loan number ( at this point i could still login and make payments on the old website ) XX/XX/2021 - I set up my new username and password on the new site and received an email stating that my registration was complete. However, I could not use the site to make a payment. I got an error stating that I had to call to make a payment. 

XX/XX/2021 - I got another email stating " Your mortgage servicing transfer is complete! '' - Still could not make a payment online XX/XX/2021 - I called to make a payment over the phone. Was transferred a bunch of times. Finally got to a person who said they could only take a {$10000.00} payment, which is what I did. She applied my interest-only payment of {$830.00} and the rest to the principal. 

XX/XX/2021 - I once again had to call to make a payment over the phone. They would only take a {$10000.00} payment. Even though I had just made a payment, they applied {$1000.00} to my interest-only payment and the rest to the principal. 

XX/XX/2021 - I tried to make a payment online. Got the same error message. I called and after 20 minutes of being on hold, the call was disconnected. I called back to make a payment and was transferred 3 more times. The reps are always friendly but it seems like anytime they get a call they don't like, they just transfer it back into the queue. I worked in a call center years ago so I know that's a thing they do. The 4th rep I got to was helpful and said that I could make a payment over {$10000.00} but he just needed to get supervisor approval, which he did. 

I'm not entirely sure my variable interest rate is being calculated properly but I haven't been able to work out the numbers just yet. 


XX/XX/2021 - I was finally able to make a payment online in the amount of {$17000.00}
Consumer complaint received 2021-05-05
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)

I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. 
I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. 
I have never lived here and Bridgecrest has made this mistake. 
I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. 
I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. 
But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.
Consumer complaint received 2021-07-13
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: ENCORE CAPITAL GROUP INC. (NJ)

DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.
Consumer complaint received 2020-09-05
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. (PA)

Experian is refusing to remove fraudulent information my wallet with my Identification and social security card were stolen someone has used my information to lease something I will attach my tax forms to prove I never lease anything with that company also will attach Identification IDs with precious address I already disputed this with two other credit bureau the items were removed with documentation submitted Experian is giving me a very hard time I will take legal action if they continue to advertise this information on my credit that doesnt belong to me ( fraudulent )
Consumer complaint received 2021-05-05
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 have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-05
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 have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (CA)

I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.
Consumer complaint received 2024-05-08
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: American Credit Acceptance, LLC (FL)

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name AMERICAN CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at XXXX
Consumer complaint received 2021-05-05
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. (NC)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I had an account in 2018 that was paid in full Never late and Discover did a fantastic job of helping to clear up an internal error that was giving me credit card decline. 

They finally approved me for a credit card with a XXXX limit after contacting both you and Discover. 

Recently I have applied for a loan wanting to consolidate maybe XXXX or so that I have an outstanding debt due to Covid and Discover gave me yet again that old reason for declaration prior or existing accounts etc. Letter enclosed.
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

NAVIENT raised my payment and its too high. I signed up for Income Dependent Repayment, and the raised my payment amount. Also they claim there are unpaid fees, that I was n't aware of. Because they never told me about any fees. Also the loans originated at XXXX, NAVIENT has all personal information, they got, it, with out my knowledge.
Consumer complaint received 2022-04-27
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. (NC)

XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but Experian and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it
Consumer complaint received 2021-04-12
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)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Consumer complaint received 2020-11-04
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. (MD)

On XX/XX/XXXX me and my husband sent a certified method of verification letter to Experian regarding a public record item, bankruptcy on our credit report. On XX/XX/XXXX and XXXX both receipts were signed ; however, Experian has not responded to our MOV letter as of today.
Consumer complaint received 2017-12-20
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: Harley Davidson Financial Services Inc (PA)

In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I feel that Experian might be behind my wrongful denial of credit cards applications which I lose valuable credit score points upon applying. Experian is wrongfully calculating the use of credit cards but does not realize that the accounts are closed after the promotional period has ended : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( Experian ) Your average utilization of credit card accounts is currently too high ( Experian ) '' I disagree with the utilization of credit card accounts is too high because I have successfully closed out most accounts that are open or should be closed automatically. I utilized chase credit cards for promotions thus when the promotion is satisfied that I close out the account. Experian is not factoring in my ability to close out my account with a XXXX balance thus Experian is wrongfully flagging my account as if I am utilizing too many credit cards. This is untrue and should be recognized that consumers do not have to have long-term credit cards and should be able to close out credit cards upon promotional periods. I should not be obligated to use credit cards if they allow a promotional period thus the entrapment is only per promotional credit cards and not general credit cards. Experian would confuse credit card utilization as if promotional periods are not part of their understanding of utilizing credit cards where a consumer would likely close out a credit card upon successfully completing a promotional period. Experian should recognize this fault and correct so I can correctly apply and open a new credit card upon closing any older or XXXX credit cards. I am unable to open a new credit card because of this faulty understanding as to be wrongfully punished per the promotional credit cards trying to sting customers incorrectly as a conflict of interest of long-term loyalty.
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB (PA)

On XX/XX/XXXX I made an order and did not receive the items. I called the company multiple times and they would not give my money. I also reached out the the borrower to get assistance and no one has reached out to me. I just want my {$700.00} back so that I can move on with my life. I also filed a police report in order to get my money back. Dc # XXXX
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

When covid hit I lost my job as a XXXX, my husband was already out on XXXX from a XXXX XXXX  and with my mother moving in with me there were not many options ( she is a senior ) I applied for and was granted the pandemic relief - I finally got a job after about a year and wanted to start repaying my house. They refuse every modification and when I apply they do not even ask for paperwork, nothing. They Just deny it. 
I hired a lawyer to help me, they refuse to respond to him. My hands are tied they want the full XXXX  I am behind in full. They will accept no less. 
I saved up XXXX  an they still will not take it even though I am only technically behind {XXXX} in principal and interest. 
They want XXXX  to cover all fees etc.

I would love for them to help me and take a partial payment and allow me to catch up on the balance. They want to foreclose and sell it because of home values right now. They refuse to even consider a modification. 
Please help me! 
This is Mr.Cooper bank that used to be Nationstar.