davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have attempted to get connected with the Office of Consumer Affairs with both a CSR and a supervisor to resolve issues with my credit file. Consumer Affairs refuses to take my call and say they can not help.

I pull my report daily and each time I pull the report ( using TrustedID provided by Equifax ), it adds an entry for a soft pull. On two previous occasions, I have been unable to pull my reports and have had to call Equifax. They then connect me with Consumer Affairs to assist me with the issue. Consumer Affairs states that they have to send my file over to internal IT to have the file cleaned up - which takes a couple days. Eventually, I am able to continue pulling my credit report again - after Equifax internal IT has cleaned up the file ( I assume they are removing the soft inquiries manually ).

As mentioned, I have been through this process twice before. Each time, it has been extremely difficult to speak with someone in Consumer Affairs, but eventually I have spoken with someone and they have been able to help. 

This time, however, they will not take my call. The Equifax CSR and her supervisor do not understand what I am asking for and Consumer Affairs rejects the transfer each time. I just want to speak with Consumer Affairs to get my issue resolved. I am sure that after I speak with someone in that group, it will be a very easy conversation. This is much more headache than it needs to be.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MA)

My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.
Consumer complaint received 2018-06-21
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. (SC)

Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
Consumer complaint received 2018-06-21
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. (SC)

Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (TX)

On XX/XX/XXXX I closed on my home loan at XXXX XXXX, XXXX Texas. 
After closing, I experience damage to my home, which cause me to make a claim to my insurance company XXXX XXXX. I was denied, due to non-payment. I called my lender and he stated that I was suppose to pay it prior to me closing and if I find the receipt to let him know. I was informed by the loan processor and insurance agent that no payment was required from me prior to my closing, due to the mortgage company requesting the evidence of insurance to apply to my escrow account. I then called Security National Mortgage and was told that I have insurance and my next payment will be sent to the insurance company XX/XX/XXXX. I have obtain damage to my home due to the freeze, that has cause my pipes to burst and my ceiling to collapse in the garage. After taking a closer look at my closing documents, and speaking with my realtor and the title company, I found several discrepancies. 
First, my insurance stated that it was paid prior to closing. Second, I did not receive my sellers credit of XXXX and third, my earnest money was suppose to be given back to us after closing, but was applied to my downpayment. All of the above was agreed upon by all parties and signed no more than 48 hours prior to us actually closing, but the actual closing documents were totally different.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I did some work for a company and they wrote me a check, I deposited into my account and after a few day I found out that the check was no good so they closed my account as if I was being fraudulent and I am the one who was scamed. I have all my personal bills coming out that account and my social security deposits every month. I have been with them for about 3 to 4 years and never a problem.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seattle Service Bureau, Inc (OH)

I have been receiving phone calls from a debt.collection agency XXXX XXXX XXXX claiming ownership of a bill under my name XXXX XXXX. Per XXXX they are collecting for XXXX XXXX XXXX XXXX  XXXX. XXXX are collecting {$1000.00}. The date of collection from XXXX according to my credit report is XX/XX/2013. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX and were told that they do not send collections to XXXX and they don't know how they got my information. They show a bill owed in the amount of {$470.00}. for services rendered in XX/XX/2013. They said they send collections to XXXX XXXX who I contacted and settled all debts with. They stated they do not sell information to 3rd parties and do not work with XXXX. In addition, I gave my credit card information to XXXX and they are taking payments. At the time, I assumed the bill was a legitimate bill and XXXX was a credible agency. I have been unable to reach them at ( XXXX ) XXXX to stop payments and remove this false information from my credit report. The account number XXXX has assigned to this bogus bill is XXXX.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I co-signed for my daughter in XXXX. In XXXX she allowed her vehicle to be repossessed. The name of the company is XXXX XXXX XXXX XXXX. I have constantly disputed this on several occasions. I noticed that they opened a new loan with a different account number on my report with both showing as repossessions, which has caused me the inability to get a car loan or any type of loan. Both of the account numbers are partial and incorrect. 

XXXX XXXX XXXX was closed out in XXXX. They have been contacted as well. This account also reports a partial account number. 

Amongst other derogatory accounts with partial numbers on my credit file as well.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: LendKey Technologies, Inc. (WA)

I refinanced with lend key last month and received their best advertised rate at the time. Today i received a prescreened advertisement via us mail advertising a " pre-approved '' rate as low as 0.00 %. 
Upon proceeding to their website and entering in the my information, i was quoted a rate no where near the advertised rate. 
Seeing that i qualified for their best rate advertised last month, I am highly doubtful that the advertised rate of 0.00 % is actually being offered to anybody. 
I think this is a bait and switch tactic and misleading advertising practices.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I have resolved this dispute previously and and the collection was removed from my report due to being invalid. I never received notification of this debt, nor agreed to this charge, and this was case was previously resolved anyway! Now it has simply been sold to another collector and XXXX  has not verified nor forwarded any proof of debt either from the original creditor nor the collection company.
Consumer complaint received 2020-04-21
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 AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND EQUIFAX THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Consumer complaint received 2017-07-25
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 am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OK)

Identity Theft! The information that has been provided by the company who purchased this debt does not reflect to be true. Therefore this must be a case of ID Theft. Furthermore, Midland Credit Management from their own admission is not the original creditor and would have any contractual agreements that showcases any obligation that I would have if this was not a case of ID theft.
Consumer complaint received 2020-07-17
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)

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: Avant Credit Corporation (AL)

I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (GA)

Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. 

That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. 

The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. 


There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. 
( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. 
( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/XXXX.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! EXPERIAN is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I repeatedly asked for notifications so Id know when my bill was due. I never received any notifications and they kept piling on the late fees. I had no idea this was happening until my credit score went down XXXX points. I went to the website again to ask for notifications, but Ive never received any, nor have I received any responses to my emails.