davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (PA)

My credit report, through XXXX, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It  states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report. <P/>The company attached to this false report is : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY-XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (CA)

I submitted a dispute to Equifax on XX/XX/2021 because multiple accounts should have aged out. Both XXXX and XXXX have acknowledged that and removed the items from my report. Yet, Equifax swears that the dates they have are accurate. If they were accurate, why would these accounts come off of the two other credit bureau reports? I don't trust that the report they sent me on XX/XX/2021 ( the dispute results ) and would like them to either remove the aged out accounts or provide better 'proof ' that they verified the dates. Or are they implying that they know better than both the other bureaus?
Consumer complaint received 2019-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (NC)

I am currently finished paying a loan-off that I have had for 48 months. At the end of my loan i noticed i still had a remaining balance of {$1500.00}. I called regarding my loan a year ago because the balance wasn't adding up to be paid off according to the payments i was making. They told me I wouldn't owe a balance and that I would have. resolution team reach out to me via email to tell me what was owed if I had anything owed. When I initially got the loan the company accidentally set my loan date on the XXXX instead of the XXXX. XXXX asked me to call in and had the date changed in order to have my payments come out on the correct date due to their error. At no point was I told that I would have a balance left or I would have to pay anything extra at the end of my loan. If I would have known that my payments should had changed in order to fit paying off the balance on time. XX/XX/XXXX should have been my last payment. I called in XXXX of XXXX to verify if something changed as far as my balance and I was told that they did not see anything at that I would receive and email. This is not fair to me. I was proactive and you are not able to speak to an supervisor they make you wait for an email. have never missed a payment and been on time. Please help me
Consumer complaint received 2017-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has placed a collection account on Transunion report for XXXX, for what I have no clue. I disputed it with XXXX and XXXX emailed me to apologize. I sent the deleted record to Transunion and instead of deleting Transunion updated the item to stay on my report until XX/XX/XXXX! This is not my bill! SEE BELOW 

On Tue, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX XXXX:
 
Your inquiry filed with the Better Business Bureau was forwarded to XXXX Executive & Regulatory Services, and I have been asked to address your account in collections issue. Please accept my apology for any inconvenience you may have experienced. the item has been deleted.
 
Unfortunately, I was unable to reach you at (XXXX) XXXX; however, I look forward to speaking with you to discuss this matter in detail.
At your earliest convenience, please contact me toll-free at, XXXX, ext. XXXX. I am available Monday Tuesday, Thursday and  Friday; between XXXX XXXX and XXXX XXXX Central Time. Please reference case XXXX.
Sincerely,
 
XXXX XXXX
Executive Analyst| Executive & Regulatory Services
Consumer complaint received 2022-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I did a refinance on my home with Caliber Home loans, same company that held the previous mortgage, and closed with the title company XXXX XXXX on XX/XX/XXXX. I received an escrow analysis saying that my mortgage was going from XXXX to XXXX a month. I knew it was going to go up but not by this much, so I called Caliber and they informed me that the taxes on the property were going up and there was a deficit in the current escrow to cover the current year taxes. At this point I checked online to see what my new taxes were going to be, and at this point is when I found out that my XXXX taxes had not been paid and a tax certificate had been issued against my property. On XX/XX/XXXX, I contacted the tax collector and paid XXXX because I was worried that I might lose my property before this could be resolved. When I was talking to the tax collector, I was informed that a check had been sent to them dated XX/XX/XXXX check number XXXX in the amount of XXXX from the title company XXXX XXXX. The tax collector rejected the check and returned to XXXX XXXX because the amount of tax owed was XXXX. I called XXXX XXXX and found out that they received the check back and called Caliber to find out what to do with the funds. Caliber instructed XXXX XXXX to return the money to them as the taxes had been taken care of by them. Caliber cashed XXXX XXXX check for XXXX on XX/XX/XXXX but would not tell me where the money went. I have been trying to get this resolved since XXXX, and after hours of being on the phone, being on hold, and finally after yesterday XX/XX/XXXX being told, by a tax division supervisor, that Caliber is not responsible and that the title company is responsible for this mistake. I also spoke with XXXX XXXX, and they say that they are not responsible either. All I know for sure is that I did what I was supposed to do and we almost lost our house putting our trust in to Caliber to protect us from this issue, and now they are blowing it off like it doesn't matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

I have attempted several times to dispute collection accounts from Professional Credit Management of XXXX Arkansas  for medical collections on my credit report that are not mine. This is also a HIPPA Violation. I have requested that they send me a copy of the HIPPA form showing proof that i signed it and they failed to do so. This needs to be removed from my XXXX report immediately! There are 4 accounts on my report from this company that are in violation of the HIPPA Law.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. ()

Hi, Two months back I was offered a credit card by CITI bank with wonderful features, the main feature of the card was CASH BACK, sales executive who offered me card had told me that I will be getting 5 % cash back on all the transactions made irrespective of the limit of amount and types of transactions. However this card was chargable annually. I was fine with the card features and ready to pay the annual charges. I enrolled for the card and I received the card as well, for the first month I received bill only with the annual charges as I did not make any transactions during first month. In the second month I made a transaction of 17000.00+, however I didnt receive the cash back as promissed while selling the card. When I enquired with Customer care executive they told me that I should accumulate minimum XXXX points so that I can redeem with cash of XXXX XXXX ( XXXX points=XXXX XXXX ) and the cash back will be provided on movie ticket and not all the transactions. I informed to customer care executive that I was promissed with different features only because of that I opted this card. They raised the ticket with the reference XXXX however I am not getting any resolution for the problem. It is almost 10days that I am following up but issue remain same. I have all the recorded with me which I have had with sales executive and customer care executives.
Consumer complaint received 2022-09-08
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. (ND)

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND XXXX XXXX XXXX as is it a violation to state law with the reportion that is being reported on my credit report
Consumer complaint received 2017-09-13
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. (NY)

My PII was stolen and lost due to monumental incompetence and negligence by Equifax. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now XXXX is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (VA)

Saw the CFPB suit against Nelnet. I 've experienced  XXXX  of the allegations plus an additional problem.    1.  Fails to correctly apply or allocate borrower payments to their accounts. I had problems making early payments while still in sch ool. Nelnet t old me that any payments provided early would go to " anticipated interest '' rather than the principal. Additionally, there were errors early on in how my payments were applied across multiple loans amounts.   2. Steers struggling borrowers toward paying more than they have to on loans. Experienced this during  XXXX  school on my  XXXX  loans. Was not informed adequately about repayment plans that allow for a lower monthly payment, steered towards forbearance for 2 years.    3. Change  in type of loan. I initially was given  Direct Federal Loans,  when transferred to  Nelnet, the y removed the " direct loan '' distinction. This hurts me under the  Public Service Loan Forgiveness ( PSLF ) program, because PSLF a pplies only to    Direct Federal Loans.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Previous landlord informed me that they were bought out by another company. Both property and new company informed me that they do not have any information on my residency. Called the previous property owners, they are not responsive. Advised debt collection agency to verify information, but was told they have no way of contacting the original owners of the account.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Below are the inaccurate accounts I found listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX own leasing 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 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (TX)

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, equifax, and XXXX  This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (PA)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.
Consumer complaint received 2017-07-14
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. (CA)

I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (NY)

I contacted Experian Disputes on XXXX XXXX. 
I contacted Experian XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX
Consumer complaint received 2020-09-01
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. (CA)

The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.