davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (WA)

Received a call from a Mrs. XXXX who stated I owed a certain amount for a recent dispute with a former landlord. She said she was collecting a debt, I asked for a fax number as I wanted to validate the amount of the debt as it sounded inflated. She stated NCS doesn't have a fax number, so I asked for a mailing address which she provided me a P O Box. I asked for a mailing address to overnight the dispute but she failed to provide me the proper information so as I may dispute the amount in question. Further, her tactics on the phone were bullying and stalling and placing me on hold without my consent. I am complaining about the tactics being utilized of putting me on hold without asking, taking extended hold times, not providing me the proper information to accurately and confidently request a validation of the debt, not providing me the proper channels to request the validation and to feel comfortable that the information would be provided is accurate. I am not certain if the phone call was recorded or not but it was never explained to me that it was, which I would always forbid and would not take a call that was recorded. I told Mrs. XXXX since there was no fax or mailing address that I would request verbally to have the calls stop but she just stopped talking and put me on hold. I later explained to her that this was something in dispute because the company didn't preform any maintenance that was satisfactorily completed, for the entire time I lived in the apartment, even though I have arthritic knees and needed to have the dishwasher working, it didn't work for over 2 years. She had no interest in helping me validate this debt but just wanted to give me a P.O.Box and no other information when it comes to being able to adequately validate this debt. I would encourage the CFPB to call this company and take a sample of how their operators act and talk on the phone and you will immediately see the bullying tactics being used to try and collect debts that are not being properly validated when in dispute. Further, during the call, no information was provided to me to help me navigate the debt in question, no account numbers, tracking numbers, etc. I have no idea what these people are talking about other than it was XXXX XXXX.
Consumer complaint received 2021-04-30
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: PENNYMAC LOAN SERVICES, LLC. (FL)

In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called PennyMac and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.
Consumer complaint received 2018-02-18
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. (PA)

I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with Transunion and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX XXXX Account Number, XXXX XXXX card Account number and XXXX XXXX XXXX Account Number. I send numerous letter to transunion registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the XXXX breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
Consumer complaint received 2020-11-19
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: Credit Plus Inc (FL)

The following hard inquiries should be removed from my credit report : Credit Plus from XXXX XXXX. XXXX from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

This is in regards to the CARES act, student loan deferrment, and how my student loan provider affected my credit score while I was in the process of buying a car. I bought a new car XX/XX/XXXX. I had started looking a week before. I recieved a sub prime rate due to my score dropping 30 points because my student loan provider great lakes made inaccurate comments on my credit report. I have proof that shows the decease in my score as a result of my student loan provider. My credit score was dropped by great lakes XX/XX/XXXX, my credit was run XX/XX/XXXX and the car was purchased XX/XX/XXXX with the orginal score that was pulled XX/XX/XXXX. I also have proof of this from the dealership I purchased the car from to show the score used for my financing. On XX/XX/XXXX I see my credit score go back up to where it was before great lakes reported my loans as deferred. I have tried to contact great lakes and they tell me I should contact the credit bureau agencies as they have fixed the issue. I offered to show them proof of my claims and that was dismissed. I'm already poor and now I'm paying thousands in extra interest because my student loan provider had bad reporting on my credit report for a week. They've admitted they had inaccurate reporting but they will not admit that I was directly affected, please I hope you can help me.
Consumer complaint received 2021-12-01
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. (CA)

There is a fraudulent account reporting as income on my consumer report. The account also is containing transactions & experience between the consumer and the person making the report, which is illegal. 15 U.S Code 1666b ( a ) Time to make payments 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 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.

I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.

In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will  proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2018-02-18
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. (NV)

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
======================================================
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (GA)

XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result of identity theft.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My credit score is being reported incorrectly. I have a positive account with a credit card on XX/XX/2021 a payment was made on time there's no negative information and my score dropped 30 points when the balance decreased. The score is being reported incorrectly and my account is not being monitored properly.
Consumer complaint received 2022-02-02
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-10-26
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I am trying to apply for Public Service Loan Forgiveness ( PSLF ). I have been on XXXX XXXX in the Minnesota XXXX XXXX XXXX since XX/XX/XXXX.  Qualifing payments for the PSLF program started on XX/XX/XXXX. I should have reached the required 120 qualified payment at the end of XX/XX/XXXX. I have called Fedloan Servicing at least 3 times to have my qualifing payment histrory reviewed by an auditor. Each time I received differing numbers of qualifing payments. My employment certification shows I have qualifing service from XX/XX/XXXX through XX/XX/XXXX, which equals 7 years and 10 months. It also shows qualifing service from XX/XX/XXXX through XX/XX/XXXX which equal 1 year 3 months. I submitted a employment certification letter to verify my service from XX/XX/XXXX-XX/XX/XXXX. This should give me 10 years of qualifing payments. Fedloan Servicing has sent me letters stating I have 12 qualifing payments, 65 qualifing payments and 84 qualifing payments. Please see attachments. I should have 120 qualifing payments by now. I requested documentation showing my entire payment history broken out and which payments were considered qualifing payments and if any did not. To date, I have not received the detailed payment history I requested.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I opened an account deposited two checks from another bank and was told my money would be available the next business day. I got a temporary debit card while I wait for the regular one to come but even after I activated the card it wouldnt work call the customer service number was told I had to wait 45 days for my money to be available and that the card should be activated. Went into the branch and was told that my money would be available for use XX/XX/23 it wasnt and the card still isnt working. I need to get my prescription filled but cant afford it because the bank wont give me my money.
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (DC)

I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (CT)

XX/XX/2021. It came to my attention that my account was late. I called usbank cc company immediately and learned that my monthly payment had increased. It had increased by {$1.00} more than I had set up my automatic payment from my checking account to draft. For this, usbank charged {$28.00} and added it to my account balance, further increasing my monthly payment. Several months went by, each time the balance increasing because they kept adding on {$40.00} late fees. By the time I found out this was happening, I owed {$230.00}. I called usbank and fixed it immediately. The cc company reversed the late fees and I paid the amount owed immediately. There was no intimation that they would report me as late. On XX/XX/XXXX, I found out that a late payment remark was sent to my credit reporting bureau. I have never had a late payment in my life. I am XXXX years old. My credit score was dropped 40 points. This seems highly punitive. The bank says they are legally obligated to report due to the 'fair credit reporting act '. How is this fair?
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

XX/XX/XXXX {$2.00} ATM fee from a ATM that is owned by XXXX and does not charge ATM surcharge. 

XX/XX/XXXX Transaction declined and no warning that the maintenance was scheduled, or servers down was sent to any customers. Did not find out until the called to get information and when trying to talk to representative phone goes busy. Now we have several thousand people with American Express credit and prepaid accounts not able to access funds at all since XXXX CST. 

Still no time frame for a resolution to issue and when funds can be accessed.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I have spent numerous hours Thankon the phone with XXXX credit card department and still have no resolution. My problem started in XXXX when I made an order for {$140.00} in merchandise. I promptly returned all the merchandise and made the payment for {$14000.00} because I was aware that my merchandise credit would not be applied in time. They denied that they ever got the payment. After about 5 hours on the phone, they connected me to their bank so we could trace the payment, Commity bank realized that they had applied the paymnet to the wrong account. I requested that they transfer the payment to the correct account but told they were unable to do this. I had to make a second payment to XXXX while I waited for a refund from commenity bank. 
The second payment was also applied to the wrong account and I was charged late payments and interest. Commity Bank reversed all the late charges and interest as a FAVOR to me. I have made a final payment to the XXXX account in the amount of {$59.00} They continue to re-add the late charges with interest. Communication with XXXX credit has proved to be futile, therefore I am hoping you can settle this matter for me. My credit is in the excellent range and I do not want any repercussions due to this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2021-09-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

XXXX : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} Experian : XXXX {$3200.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX {$210.00}
Consumer complaint received 2023-01-31
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. (TX)

Make sure any accounts that were discharged in XXXX  XXXX  show a {$0.00} and are labeled as discharged or included XXXX  XXXX  Payment History is no allowed!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last ss XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of XXXX XXXX XXXX on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX